vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Unifin Inc.
State: MA

Complaint narrative:
Unifin debt collector is calling my wife phone number and asking for me. They did not calling my number. The woman called are very aggressive. The phone number they are calling from is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Carvana Group, LLC
State: VA

Complaint narrative:
Issue Type : XXXX XXXX XXXX XXXX XXXX XXXX, Unusable Vehicle, Continued Payments Complaint Summary : I purchased a vehicle from XXXX that has had major mechanical failures starting within the first week of ownership. XXXX and their warranty company XXXX have failed to resolve the repeated failures, leaving me without a functioning vehicle for extended periods while I continue to be obligated to make loan payments. 

Details : Within the first week of ownership, the vehicle required a new starter Shortly after, it required a full transmission replacement The vehicle then required a second transmission It has also required XXXX batteries and an additional starter The car has been unavailable for use : XX/XX/year> XXXX weeks XX/XX/year> to XX/XX/year> XX/XX/year> to present ( ongoing ) I have been unable to use the car for substantial periods, yet I am still required to make monthly loan payments XXXX represented that the vehicle passed a XXXX inspection, but based on the failures, this appears to be false or misrepresented I have contacted XXXX and XXXX repeatedly, but no solution has been provided The vehicle is unsafe, unreliable, and unfit for use, which constitutes breach of warranty and consumer misrepresentation What I want : A full refund of the vehicle purchase price Reimbursement of monthly payments I was required to make while the vehicle was unusable Compensation for loss of use Reimbursement of any out-of-pocket expenses incurred Resolution without further delay Desired Outcome : I want the loan canceled/refunded, and my payments refunded since the car has been unusable the majority of the time I have owned it. I want the CFPB to review XXXX sales practices and XXXX warranty practices, as they appear to be failing to protect consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: MD

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
NATIONAL CREDIT SYSTEM is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT SYSTEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: EGL US, LLC
State: FL

Complaint narrative:
This debt is being reported Twice from the Original Creditor and Debt collectors are reporting the same Account with a balance that a Violation of XXXX No single debt can be reported twice with a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: WA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-12-08 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: CA

Complaint narrative:
Would you recheck this entry? Its late and could be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-12-08 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
I am writing to formally dispute several inaccurate and fraudulent items on my credit report, which I have identified as the result of identity theft. As a victim of identity theft, I assert that these charges were not authorized by me and are being reported in clear violation of the Fair Credit Reporting Act ( FCRA ). these following 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

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 2025-12-08 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 U.S. Code XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX U.S. Code XXXX ) for deceptive and misleading reporting.

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 2025-12-08 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: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-12-08 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: VA

Complaint narrative:
I am submitting this dispute to the Consumer Financial Protection Bureau regarding the following accounts in my credit report that I believe are inaccurately reported. I request that the accounts listed below be reviewed and updated accordingly. 

Charged Off Accounts : XXXX, Account Number : XXXX, Opened : XXXX/2021, Balance : {$0.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXXXXXX/2016, Balance : {$0.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXXXXXX/2019, Balance : {$0.00} XXXX, Account Number : XXXX, Opened : XXXX/2019, Balance : {$5300.00} XXXX, Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries : XXXX XXXX NA, Date : XXXX/2025 XXXX, Date : XXXX/2025 XXXX XXXX NA, Date : XX/XX/XXXX XXXX, Date : XX/XX/XXXXXXXX/2023 XXXX XXXX, Date : XXXX/2024 XXXX, Date : XX/XX/XXXXXXXX/2025 XXXX XXXX XXXX, Date : XX/XX/XXXXXXXX/2024 XXXX XXXX, Date : XXXX/2025 XXXX XXXX, Date : XXXX2024 XXXX, Date : XX/XX/XXXXXXXX/2024 XXXX XXXX, Date : XXXX/2025 XXXX, Date : XX/XX/XXXXXXXX/2025 XXXX XXXX XXXX, Date : 1XXXX2025 XXXX XXXX XXXX, Date : XXXX/2025XX/XX/XXXX XXXX XXXX XXXX, Date : XXXX/2025XX/XX/XXXX XXXX XXXX, Date : XXXX/2025 LATE PAYMENT : 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 explanation
Consumer complaint received 2025-12-08 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They, in fact, did not come from a XXXX party. I even called them to verify it was me and they still refused to process my disputes. I wasted time and money on mailing my disputes out. I sent personal information to verify my identity through mail just for them not to thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
I am disputing these late payments as incorrect and request that the accounts be corrected to reflect timely payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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 writing to formally dispute the accuracy of certain late payment entries appearing on my credit report. These entries do not accurately reflect my payment history. I have previously submitted multiple requests for investigation, along with all required documentation, yet the inaccuracies have not been corrected. The continued reporting of these erroneous entries has caused me significant financial hardship and emotional distress. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair, accurate, and complete credit report. This includes the right to have any information that is inaccurate, incomplete, or unverifiable promptly corrected or removed. Despite my repeated attempts to resolve this matter, these inaccurate entries continue to appear on my report without justification or adequate explanation. 

I am therefore requesting that you conduct a thorough and immediate investigation into the disputed late payment entries. Please review the documentation I have provided, verify the accuracy of the information with the furnisher, and update or remove any entries that can not be fully verified or that inaccurately reflect my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: FL

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 non-monetary relief
Consumer complaint received 2025-12-08 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: CO

Complaint narrative:
I have received a copy of my Equifax Credit file and observed that Equifax in a shady alliance with XXXX XXXX are reporting the XXXX accounts below incorrectly by doctoring and brazenly altering the 1st date of delinquency on XXXX account # XXXX and XXXX Account # XXXX. Both accounts defaulted in XX/XX/year> and by XXXX would have exceeded the mandated 7 year threshold stipulated in the FCRA statute. 
The intent here is very clear, the goal is Equifax in an alliance with XXXX is to abuse my consumer rights working on the premise that I am ignorant of my rights under the FCRA. 

This is unacceptable and I demand that the above accounts be deleted immediately and my credit rating be restored. Equifax as a company are better than this and should be held to a high account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
I am writing to formally dispute the accuracy of the information you are furnishing to the credit reporting agencies regarding the account listed under XXXX SHELLPOINT MORTGAGE, Account No. XXXX. This information is appearing inaccurately on my credit reports, and I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, to demand a full investigation and correction of the errors you are reporting.

The account in question is reflecting a XXXXXXXX late payment for XX/XX/year> and a XXXX late payment for XX/XX/year>, which are inaccurate. Additionally, this account was previously deleted from my credit reports, yet it has been reinserted without providing the legally required notice, which is a violation of FCRA 611 ( a ) ( 5 ) ( B ) when a furnisher participates in or transmits reinsertion data without proper verification. As the furnisher of this data, you are required to ensure that the information reported to XXXX XXXX XXXX XXXX is accurate, complete, and verifiable.

Under FCRA 623 ( a ) ( 1 ) ( A ), you are prohibited from furnishing information that you know or should know is in
accurate. Additionally, upon receiving a dispute, you must conduct a reasonable investigation under FCRA 623 ( b ) and report the results to all consumer reporting agencies to whom you furnished the information. If you can not verify these alleged delinquencies with complete and reliable documentation, you must promptly notify all agencies to delete or correct the information. 

Your failure to accurately report, verify, or correct the information may constitute violations of U.S. federal consumer protection laws, including those prohibiting deceptive or unfair practices. Furthermore, these errors and failures may violate New Jersey state laws, including the New Jersey Consumer Fraud Act ( N.J.S.A. 56:8-1 et seq. ), which prohibits fraudulent, deceptive, or unconscionable business practices related to consumer accounts, credit reporting, and the transmission of inaccurate or misleading data. 

I request that you provide written confirmation of the results of your investigation, including documentation supporting any claim of delinquency, the identity of any party you verify information with, and confirmation that you have notified all consumer reporting agencies of any corrections or deletions. If your investigation can not support the reporting beyond doubt, the information must be removed from all credit files where it appears.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: GA

Complaint narrative:
There are inquiries on my credit report from Equifax that I did not recognize and/or authorize. I have asked Equifax repeatedly to remove these inquiries but they have failed to do so and have not provided me with any documentation that I authorized these hard inquiries, nor have they shown permissible purpose. 

UnAuthorized/Recognized Hard Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: NM

Complaint narrative:
Please look through the documents ; the inquiries appeared suddenly and might not be authorized.

Company response to consumer: Closed with explanation