vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: United PanAm Financial Corp.
State: NY

Complaint narrative:
I am submitting additional evidence and clarification for Case # XXXX. The dealer and/or United Auto Credit reported a {$3000.00} down payment on my contract when I only paid {$1500.00} in cash on XX/XX/year> and later transferred {$750.00} on XX/XX/year>. I never paid the remaining {$750.00} because the vehicle experienced serious safety and mechanical issues immediately after delivery ( transmission failure, worn/dangerous tires, pest infestation ). I repeatedly tried to get warranty repairs and assistance from the dealer and XXXX, but no adequate remedy was provided.

Additionally, the dealer withheld my registration and plate because I did not pay the remaining {$750.00} ; I had to obtain registration and plates myself at XXXX. 

Attached : copy of signed sales contract, bank statement showing {$120.00} & {$750.00} transfer ( XXXX XXXX ), personal timeline statement, and receipts/screenshots for registration purchase. I request that the CFPB require United Auto Credit to correct or remove the inaccurate reporting on my credit report because the loan and reporting were based on misrepresented down payment information and sale of a defective vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : Immediate Reopening Required CFPB Case ID XXXX Prematurely Closed with Ongoing FCRA Violations Dear Consumer Financial Protection Bureau , TransUnion CFPB Complaint ID XXXX Improper use of your report XX/XX/year> Equifax CFPB Complaint ID XXXX Improper use of your report XX/XX/year> TransUnion : CFPB Complaint ID XXXX, filed XX/XX/year> I am submitting this supplemental complaint to formally object to the premature closure of my original case ( CFPB Complaint ID : XXXX ) regarding inaccurate and unverified bankruptcy-related reporting by TransUnion, Equifax, and Experian. 

This reporting remains in formal dispute and has not been verified through any court of record. No wet signature, certified docket entry, or validated discharge documentation has been produced to substantiate the negative credit entries. The 60-day reinvestigation period remains active until XX/XX/year>, yet the complaint was closed without enforcement, in direct contradiction to FCRA 611 ( a ).

On XX/XX/year>, I lost a confirmed employment offer from XXXX XXXX  due to credit reporting data that was inaccurate, disputed, and never verified through an authorized source. This caused measurable financial, reputational, and emotional harm.

611 ( a ) : Failure to conduct a reasonable reinvestigation 616 & 617 : Willful and negligent noncompliance resulting in actual and statutory damages

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Immediate Reopening Required CFPB Case ID XXXX Prematurely Closed with Ongoing FCRA Violations Dear Consumer Financial Protection Bureau , TransUnion CFPB Complaint ID XXXX Improper use of your report XX/XX/year> Equifax CFPB Complaint ID XXXX Improper use of your report XX/XX/year> TransUnion : CFPB Complaint ID XXXX, filed XX/XX/year> I am submitting this supplemental complaint to formally object to the premature closure of my original case ( CFPB Complaint ID : XXXX ) regarding inaccurate and unverified bankruptcy-related reporting by TransUnion, Equifax, and Experian. 

This reporting remains in formal dispute and has not been verified through any court of record. No wet signature, certified docket entry, or validated discharge documentation has been produced to substantiate the negative credit entries. The 60-day reinvestigation period remains active until XX/XX/year>, yet the complaint was closed without enforcement, in direct contradiction to FCRA 611 ( a ).

On XX/XX/year>, I lost a confirmed employment offer from XXXX XXXX  due to credit reporting data that was inaccurate, disputed, and never verified through an authorized source. This caused measurable financial, reputational, and emotional harm.

611 ( a ) : Failure to conduct a reasonable reinvestigation 616 & 617 : Willful and negligent noncompliance resulting in actual and statutory damages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I dispute these items as identity theft provided an ftc report the credit bureau they refuse delete off my credit even with evidence provided and I ask for proof of me opening these account with my signature or purchase agreement with the company that keep reporting misinformation and the contact information phone not in service and when I spoke to the customer for them to stop reporting the information even after keying I dont open the account no change to my credit after months of disputing these account 1-XXXX XXXX  account number XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX  XXXX XXXX account number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this formal dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ( 1 ) ( A ) ) regarding inconsistent and inaccurate data reporting by XXXX XXXX.

This account is reported only to XXXX  as a charged-off collection but does not appear on Equifax or XXXX. This inconsistency among the national credit reporting agencies creates an unfair and misleading credit profile, violating the FCRAs maximum possible accuracy requirement.

I request Equifax to : 1. Verify whether XXXX XXXX has ever reported to your bureau, and 2. Permanently block or delete any reference, code, or residual metadata related to that account, ensuring it can not later appear through automated data matching or reinsertion ( FCRA 1681i ( a ) ( 5 ) ( A ) ).

Please complete this reinvestigation and provide written confirmation of deletion or nonexistence of the account within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In XXXX I made purchases 2 purchases on my Torrid Comenity bank credit card totaling XXXX. I made payments on a hardship program and then unfortunately fell on even worse hardships and missed a couple of those payments as well. In XXXX of this year XXXX I made a payment of XXXX $ paying off the entire balance I had spent even tho I missed a few payments ( with those missed payments I acquired late fees so I paid on some late fees as well ). Apparently I had looked at the statement from the month prior and in the time after I paid til torrid reached out, I missed 2 more payments. Acquiring 3 late fees all together and XXXX spent charges. I tried to talk to them to make payments on this matter and I have talked to them NUMEROUS times to pay on the fees I originally owed only but now these late fees have built to over XXXX $ worth of late fees and they will only let me pay as little as XXXX $ at one time. I am a single mother I am unable to pay that right now now in a lump sum.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
I need you to please correct the late payments that have been reported in my credit reports

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
Dear LVNV Funding LLC, I am writing to formally request the immediate removal of the above-referenced account from all credit reporting agencies. This account was included in and paid through my bankruptcy case, which has been fully discharged. According to the U.S. Bankruptcy Code, once a debt has been discharged, the account must be reported as included in bankruptcy {$0.00} balance owed. Continuing to report the account as active, past due, or charged off is inaccurate and in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 8 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Company : PayPal - I have not tried to fix this with PayPal but I did try to fix it with my XXXX  card issuer. 
Date : On XX/XX/year> PayPal started a {$28.00} XXXX XXXX refund to my XXXX  XXXX XXXX XXXX. ( Transaction ID XXXX ). 
According to PayPal information the refund was processed by card issuer on XX/XX/year> however XXXX  XXXX XXXX ( " XXXX '' ) never credited my account. XXXX a CFPB XXXX  complaint ( XXXX ) XXXX  responds they have no way of tracking incoming refunds from a third party. I know that is not PayPal 's problem.

Is there any other proof that PayPal can provide me, other than the XXXX  Consumer Credit receipt that I printed from PayPal as evidence that XXXX XXXX XXXX received the refund. If I can get evidence from PayPal that the transaction went through to their system I can go to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Under my rights afforded by the Fair Credit Reporting Act, I request a reinvestigation of inaccurate and inconsistent information appearing in my TransUnion file dated XX/XX/year>. 
1. Balance Inconsistencies Your report shows total balances of {$95000.00}, while XXXX  and XXXX  show {$380000.00} and {$550000.00} respectively for the same accounts.

Violation : 1681e ( b ) failure to ensure maximum possible accuracy.

Requested Remedy : Reverify balances and delete or correct all unverifiable data.

2. Personal Identifiers

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I, XXXX XXXX, date of birth XX/XX/year> SSN XXXX, am formally requesting the immediate placement of a SECURITY FREEZE and EXTENDED FRAUD ALERT on my consumer file pursuant to the Fair Credit Reporting Act ( 15 U.S.C . 1681c-1, 1681c-2, and 1681i ). This notice serves as an official directive to restrict all third-party access to my credit file and to prevent the opening of any new credit, lease, banking, or telecommunications accounts in my name without my express written authorization.

Please issue and mail to me a unique PIN/passcode for managing my freeze, and send it only via Certified Mail to the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX , and additionally to my secured email address : XXXX. Do not transmit any PIN or security information via SMS, unsecured email, or phone.

I also wish to establish an additional secret phrase : XXXX. If your system supports this, please add it as a mandatory verification element for any unfreeze request. 
Furthermore, I strictly prohibit any removal, lifting, or modification of my security freeze over the phone or through any unverified communication channels. Any future unfreeze request must be submitted only through a notarized written statement explicitly containing : 1. the official PIN provided by your bureau, 2. my additional secret phrase ( if applicable ), and 3. notarized copies of my government-issued identification and proof of current address.No unfreeze action should be processed without these verifications.

Please provide written confirmation of the freeze placement, including the request reference number and activation date, within five ( 5 ) business days via Certified Mail and secure email. Failure to comply or any unauthorized modification of my freeze will result in immediate complaints filed with the CFPB, FTC, and the State Attorney Generals Office, along with any other appropriate legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Unauthorized access to my credit report by multiple companies has directly damaged both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That commitment has not been honored, as these inquiries still remain. This continued inaction is unacceptable. The presence of these potentially fraudulent entries is deeply concerning and strongly indicates possible identity theft. This ongoing issue has caused significant emotional and financial distress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: OneMain Finance Corporation
State: WV

Complaint narrative:
I keep receiving notifications that Foursight capital opens the account changes the amount owed closes the account.

They consistently open and close and change the amount to random numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

Company response to consumer: Closed with non-monetary relief