vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 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: Carvana Group, LLC
State: MI

Complaint narrative:
FORMAL DEMAND LETTER TO CARVANA From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXX To : Carvana, LLC Legal & Compliance Department XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Demand for Immediate Removal of My Public Account Information and Reversal of Unauthorized Loan Transfer Dear Carvana Legal Department, This is a formal demand requiring immediate correction of two serious consumer rights violations caused by your company.

1. Exposure of My Private Account Number You published the following public vehicle listing : XXXX XXXX  This page exposed or linked to my personal Carvana account number a piece of private financial information tied to my vehicle purchase. This account number should never have been made public. I did not give permission for this information to be shared or listed anywhere outside of secure communications.

The exposure of my account number constitutes a serious breach of privacy and puts me at risk for fraud and identity theft.

2. Unauthorized Loan Servicing Transfer to XXXX Carvana transferred servicing of my loan to XXXX without my knowledge, notice, or consent. I did not authorize this relationship. I never signed a servicing agreement with XXXX. Despite this, they are now reporting an account in my name to credit bureaus without legal authority and without a valid consumer contract.

This loan servicing transfer is fraudulent by nature and has caused reputational and financial harm through inaccurate credit reporting.

My Demands Are as Follows : 1. Immediate removal of any and all public-facing materials showing or linking to my Carvana account number.

2. A written explanation describing how long this exposure occurred, how many users may have accessed it, and what security failure allowed it.

3. A copy of any documentation that shows I consented to the loan servicing transfer to XXXX. 
4. A direct request from Carvana to XXXX demanding they remove the unauthorized tradeline from all credit reporting agencies.

5. Written acknowledgment from Carvana accepting responsibility for this incident and outlining how you intend to prevent this from happening to other customers.

6. Appropriate compensation for the breach of my privacy and any harm to my credit profile.

You Have 15 Business Days to Respond If I do not receive a full and satisfactory response within 15 business days, I will escalate this matter through : The Federal Trade Commission ( FTC ) The Consumer Financial Protection Bureau ( CFPB ) The Michigan Attorney Generals Office And, if necessary, initiate civil legal proceedings for damages under federal and state law.

Your companys mishandling of my data and loan terms is unacceptable. I am prepared to pursue this through every available legal and regulatory channel. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: FL

Complaint narrative:
Please delete these unauthorized accounts from my credit report, as I neither approved their creation nor was aware of them. Per USC 1681g, I request their removal within 15 days. Attached are supporting 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 2025-04-20 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:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX  Date open XXXX. XXXX, 2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
There are accounts on my credit report that are inaccurate and don't belong to me. 

Account name : XXXX XXXXXXXX Account number : XXXX This account was never late and paid as agreed Account name : XXXX  Account number : XXXX This account was never late and has been closed and paid as agreed. 

Account name : XXXXXXXX XXXX XXXX Account number : XXXX I have no acknowledgment of this account. I believe it belongs to someone else.

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 2025-04-20 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: NY

Complaint narrative:
I am filing this complaint against Equifax for unlawfully re-inserting fraudulent information into my credit report that had previously been blocked and removed in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611 ( c ) ( 1 ).

I had identified and disputed fraudulent information on my Equifax credit report, which Equifax previously investigated and removed after confirming it was the result of identity theft. The disputed accounts/inquiries were blocked and deleted from my file in accordance with FCRA 605B, which mandates permanent blocking of such information once identity theft has been confirmed.

However, Equifax has since reinserted the same fraudulent information onto my credit report without notifying me in writing within five ( 5 ) business days as required under FCRA 611 ( c ) ( 1 ) ( B ) ( ii ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
Credit I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below Credit I looked at my account on match XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX date TransUnion shows date opened XX/XX/XXXX and date last active as of XX/XX/XXXX number of terms 0 last reported XX/XX/XXXX Experian date opened XX/XX/XXXX no of terms 1 payment status collection last reported XX/XX/XXXX paste date active XX/XX/XXXX Equifax Shows date opened as XX/XX/XXXX and the last date of activity on this account XX/XX/XXXX payment status of 120 days late I am asking you to reinvestigate this account XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.

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 2025-04-20 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: FL

Complaint narrative:
I have been sending out dispute letters for months now to get these deleted and removed from my credit report but you keep on insisting that you have verified the information without sending me any proof of what methods you have used to verify them. This is frustrating because your company is not following the guidelines regulated to you by the Fair Credit Reporting Act.

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 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
AI Overview +5 15 U.S.C. 1692c ( c ) outlines specific instances where a debt collector can continue to communicate with a consumer despite the consumer 's request to cease contact. Generally, a debt collector must stop contacting a consumer if the consumer sends a written notice to cease all communication, or to cease a specific type of communication. However, the debt collector can continue to communicate under certain circumstances, including to notify the consumer about invoking a specific remedy, or if the consumer has not provided a written notification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To whom it may concern : I am doing this report right after I was noticed that Bank of America Claim Resolution Department concluded that there was no error on the claim that I submitted on Thursday, XX/XX/year>, at about XXXX. 

Bank of America stated the following : " We confirmed your card was used for the charge ( s ). The chip was read, your PIN was entered, and/or you signed for the merchandise or service, which indicates you or someone you allowed to use your card was present. " I HAVE NEVER USED A PIN NUMBER ON THIS CREDIT CARD! .... as Bank of America mentioned. 

I DID NOT SIGN ON THESE WRONG PURCHASES, MY PERSONAL SIGNATURE CAN NOT APPEAR ON THESE TRANSACTIONS! 

I COMPLETELY IGNORE HOW THE CHIP IN MY CARD WAS READ AS IT IS MENTIONED BY THE CLAIM RESOLUTION DEPARTMENT! 



Unfortunately, I found out about this notice today, Sunday, XXXX XX/XX/year>. Bank of America 's Claim Resolution Department working hours are XXXX : XXXX a.m. to XXXX p.m. Eastern. Phone number : XXXX. According to their schedule, I have to wait for tomorrow Monday to call them to request the documents used to reach that decision. In any case my call is not answered nor I can contact them tomorrow, I'm going to keep calling as long it takes. 

The purchased products that are mentioned as not authorized by me in the claim, were made in places or addresses that do not appear in my purchase history on any of my other credit, debit cards, bank accounts or statements. It's easy to verify that this credit card has not been used consecutively ever since I acquired it. Most of the time, this card has been used in grocery stores, by which I mean the most basic necessities. food, over-the-counter medications and to pay my bills. When I make purchases such as tires for my vehicle of about {$400.00} dollars more or less, I stop using the card until I pay off the complete balance of that purchase, and this sometimes takes me months. 
Whoever checks my statements will notice that I have been using it responsibly. 

The purchases that I did not authorize that are in the fraud claim, were made in luxury stores such as XXXX XXXX, and places I have never been at, nor purchase before, nor with this credit card, nor any other I had. 

The purchases made from XX/XX/year> to XX/XX/year>, were allowed by myself. 

The purchases that appear made in the statement of Bank of America from XX/XX/year> to XX/XX/year>. WERE NOT ALLOWED by myself.

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 monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$230.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$650.00}

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I disputed the account and file a complaint with the CFPB the company explained that they had investigated and re-investigated. The complaint higher of the information is still obviously inaccurate. The information has been deleted from the other two bureaus.

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 2025-04-20 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX, XXXX, XXXX XXXX XXXX * * * Date Opened : XX/XX/XXXX Balance Owed : {$2100.00} Collection XXXX XXXX XXXX XXXX * * Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Late/Closed XXXX XXXX XXXXXXXX * * * * * * Date Opened : XX/XX/XXXX Balance Owed : {$3400.00} Chargeoff

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$230.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$650.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$230.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2900.00} & XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$650.00}

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 2025-04-20 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: NV

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act.

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 2025-04-20 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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