vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-09-11 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX. Misleading false reporting. You can not report late payments on a collection XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. Under 15 USC 1666 B this is a billing error always paid as agreed on time this is an error this account in violation. 
XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC Number ) XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
As per USC 1681g, these errors need to be removed in 15 days.

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 2025-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CARVANT FINANCIAL LLC
State: FL

Complaint narrative:
I was laid off end of XXXX for almost XXXX mos my unemployment benefits have been locked since I filed I have kept them involved the whole time I do not run I have taken almost tall their harassment calls they call me at work text me from multiple numbers in caps REPOSSESSION! They know I was out of work for almost XXXX months without unemployment benefits I ask to speak to women there is no women they are so mean I need my car back. How can you repo someones car AND harass them too? I drove to work today and came outside at XXXX XXXX  in the got XXXX sun to no car. Didnt eat at work today just coffee thats how tight its been paying on my houses This is what I sent them Im so upset. XXXX XXXX XXXX XXXX XXXX XXXX right now I just fought to keep my house and they know this they still talked to me on the phone and took my car. This is what I sent them today I was so shocked and upset because I talked to them last night I called them today and cried and yelled in the phone they really made my hard life harder. This is what I sent them and put on their XXXX review : I talked to XXXX last night about my situation I told him I am about to lose my house also. I told him I had a meeting to meet with them this Friday and based on what I could give them I would know how much I could pay for my car. 

This gentleman XXXX lied to me said because I spoke with him last night Im off the repo list and gave me his hours of operation XXXX was XXXX I even confirmed XXXX XXXX time took notes down, so I can keep my word now that Im working and just handled my house I get to keep my house with no rental assistance or help from relatives its all on me. 

I come outside to go home to the house I just won in my eviction case by paying {$1200.00} in XXXX days so I have somewhere to park my car, get off work and its gone. To be lied to by people I am supposed to trust is DEVASTATING I WORK IN A XXXX XXXX I AM NOT DOING BUSINESS WITH CARVANT FINANCIAL UNTIL SOMEONE PULLS THAT CALL, SEES I AM BEING HONEST AND MAKES IT RIGHT I WANT MY CAR BACK BUT I AM NOT PAYING A REPO FEE OF {$500.00} when I have been totally transparent, honest, taken calls at work, texted you back and STILL WAS LIED TO AND DONE WRONG. I need the head of Carvant to call me back about this before I take legal action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-11 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
Dear CFPB, I am submitting a dispute regarding inaccurate information on my credit file. Please find below corrections for personal information as well as disputes for specific accounts. 

Please investigate and either correct or delete the inaccurate information in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

The following personal identifying information is incorrect on my credit report and must be corrected : - Correct Full Legal Name : XXXX XXXX - Correct Current Address : XXXX XXXX XXXX XXXX XXXX XXXX - Correct Employer { " None '' ] Please remove all outdated or incorrect : - Previous name all other names - Previous addresses all other addresses - Previous employers all previous employees Thank you for updating my credit file with only accurate information.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Dear CFPB, I am submitting a dispute regarding inaccurate information on my credit file. Please find below corrections for personal information as well as disputes for specific accounts. 

Please investigate and either correct or delete the inaccurate information in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 

The following personal identifying information is incorrect on my credit report and must be corrected : - Correct Full Legal Name : XXXX XXXX - Correct Current Address : XXXX XXXX XXXX XXXX XXXX XXXX - Correct Employer { " None '' ] Please remove all outdated or incorrect : - Previous name all other names - Previous addresses all other addresses - Previous employers all previous employees Thank you for updating my credit file with only accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
Hi XX/XX/XXXX XXXX XXXX XXXX have been a victim of identity theft. 
I have filed a report with XX/XX/XXXX. 
I have already had freezes on all three credit reporting agencies. However, I was denied Credit due to tons of fraud on my Transunion, Equifax and Experian credit reports!

I have been a part of XXXX cyber attacks in XX/XX/XXXXEquifax data breach XXXX They still have not cleared off every negative item of my credit report cleared it XX/XX/XXXX system XXXX XXXX XXXX XXXX XXXX Tonight I learned that Transunion mailed my credit report to an unknown address that I have never lived at. 
So I was just breached again this evening XXXX The supervisor from the special handling department laughed as she had her child was crying in the background during work hours! 
How can our personal information be kept private when we have employees working from home with other people in the house? 
I want every single negative item removed from all three credit reporting agencies The only thing that I have on there and I have not applied for credit in XXXX years Is my XX/XX/XXXXand my XXXX XXXX, which are all in good standing Please contact me XXXX XXXX XXXXXX/XX/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 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and XXXX am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-09-11 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: IL

Complaint narrative:
I am respectfully requesting a review of the late payment currently being reported on my credit file as open or unresolved, as I believe this information to be inaccurate and misleading. This reporting is factually inaccurate and materially misleading. The payment in question has either been fully resolved, or I was never late as alleged. The continued reporting of this item as delinquent constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates consumer reporting agencies to ensure the maximum possible accuracy of the information furnished. The presence of this inaccurate entry has directly harmed my credit standing, resulting in adverse effects on my credit score and potentially impeding future opportunities related to credit, housing, and employment. Accordingly, I demand a full investigation of this matter, and if the late payment can not be conclusively verified as accurate and timely, it must be immediately corrected or permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have been trying to get my Equifax account unblocked for over XXXX  year. During this time, I have repeatedly mailed in the requested identity verification documents. Each time, I allowed a XXXX-day grace period before calling to confirm receipt, and each time I was told that Equifax had not received my information even when I used certified mail with tracking that shows delivery. 
Because of this, my account has remained blocked for months, preventing me from accessing my credit report, placing or lifting freezes, and monitoring my file for fraud. This violates my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: DE

Complaint narrative:
This dispute concerns the inaccurate and unauthorized reporting of accounts on my credit file. I did not authorize, open, or approve these accounts, and I was not notified of their addition. Inconsistent reporting across all three bureaus further proves these accounts are inaccurate and violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires that only accurate information be reported.

It also violates 15 U.S.C. 1681i, which requires disputed items to be investigated and resolved within 30 days, and 15 U.S.C. 1681g, which requires complete and accurate disclosures of my credit file. 

I have attached documentation to verify my identity and confirm these accounts are not mine.

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 2025-09-11 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: MI

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-11 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: AZ

Complaint narrative:
I have been disputing XXXX fraudulent accounts ( XXXXXXXX XXXX XXXX XXXX XXXX ) with Equifax for over XXXX months. Despite my repeated disputes and the evidence provided, they continue to refuse to block and permanently remove these fraudulent accounts from my credit report. Instead, they have conducted sham investigations and returned automated responses falsely claiming the accounts were verified and updated. These actions demonstrate bad faith and a failure to conduct a reasonable reinvestigation as required by law. 

Equifax have previously removed these accounts, only to later reinsert them illegally, again marking them as verified. I have demanded proof of verification, yet you have completely ignored my requests, in violation of 15 U.S.C. 1681i ( a ) ( 7 ), which requires you to provide a description of the procedure used to determine the accuracy of disputed information.

Furthermore, under 15 U.S.C. 1681c-2 ( FCRA 605B ), when a consumer notifies a consumer reporting agency that information in their file is the result of identity theft, the agency is legally required to block reporting of that information within 4 business days of receiving proper notice and documentation. I have made such notifications and yet they continue to willfully report these fraudulent accounts, in violation of federal law. Reinsertion of previously deleted fraudulent accounts without proper certification from the furnisher and without notice to me also violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

By failing to block and remove these fraudulent accounts, they are in direct violation of the Fair Credit Reporting Act, including but not limited to 605B, 611, and 623. Your continued reporting of these fraudulent accounts has caused me significant harm and distress, and you are now on notice that if immediate action is not taken to permanently delete and block the XXXX XXXX and XXXX XXXX  accounts, I will pursue all available legal remedies against you, including filing complaints with the State Attorney General, as well as pursuing damages in federal court. 

This is my final warning. Remove these fraudulent accounts and provide written confirmation of compliance within 10 days of receipt of this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Debt Authorization Letter to Collect under FDCPA To Whom It May Concern, I am writing in response to validation of this debt. I am requesting The Chain of Commands letter showing your authorization to collect this debt on behalf of the original creditor. I am also requesting to provide and highlighter where it says in the original documentation that I authorize myself, to sell my personal information to you. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally dispute inaccurate information that has appeared on my TransUnion credit report as a result of your companys data breach and potential failure to safeguard consumer information, in violation of federal consumer protection laws. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to accurate, fair, and private credit reporting. Due to TransUnions data breach, my personal and financial information was compromised, which has directly resulted in [ unauthorized accounts, inquiries, or other inaccurate information ] being reported in my credit file. 

Specifically, I dispute the following item ( s ) : Creditor Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$7100.00} Status : Collection / Charge-off

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