vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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:
I am disputing the following charged-off accounts and late payments reported by Experian. These entries are inaccurate and should be corrected. 

Charged-Off Accounts : XXXX, XXXXXX/XX/XXXX XX/XX/XXXX, Balance : {$3700.00} XXXXXX/XX/XXXXXX/XX/XXXX, Balance : {$11000.00} XX/XX/XXXXXX/XX/XXXX, Balance : {$10000.00} XX/XX/XXXXXX/XX/XXXX, Balance : {$3000.00} XX/XX/XXXXXX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX * *, XX/XX/XXXX, Balance : {$1000.00} XX/XX/XXXXXX/XX/XXXX, Balance : {$1000.00} Late Payments : XX/XX/XXXXXX/XX/XXXX, Balance : {$1500.00}

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 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I purchased a XXXX XXXXXXXX XXXX  XXXX from XXXX XXXXXXXX Dealership ( financed through Auto Now Financial Services ) in XX/XX/XXXX. The dealership and finance company misrepresented key parts of my sales and loan contract, resulting in financial loss and an unlawful repossession attempt. After my initial application was denied, I reapplied with my girlfriend as a co-signer and provided a XXXX XXXX XXXX XXXX as a trade-in, plus a {$1000.00} down payment. These were required for approval. After the sale, I was informed by Auto Now Financial Services that my loan contract did not list my co-signer or trade-in vehicle. The finance company stated they had no record of either, which contradicts what I agreed to and signed at the dealership. XXXX XXXX later told me the XXXX XXXX XXXX had been sold, but the Arizona XXXX still lists the vehicle in my name, which may impact my drivers license and indicates the dealership failed to process the trade-in properly. I sent both a Demand for Contract Correction and Compensation and a Cease and Desist Letter due to these issues, citing material misrepresentation and fraud. Despite acknowledgment of the cease and desist, on XX/XX/XXXX, a tow truck arrived at my home to repossess my XXXX XXXX XXXX without notice. The dealership confirmed that the vehicle was being sent to auction, even though the contract dispute remains unresolved. This situation involves : misrepresentation and omission of key contract terms ( trade-in and co-signer ), possible unlawful sale of my trade-in vehicle, improper application or omission of my {$1000.00} down payment, unlawful repossession attempt while the account is in formal dispute. I have also filed a complaint with the Arizona Attorney XXXX XXXX, but have not received a resolution.

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

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I never authorized their opening. Please rectify this error immediately.

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

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These are inaccurate items. They show as late payments.

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 2025-11-11 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: IL

Complaint narrative:
I am submitting this formal complaint for investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I am a consumer whose credit file has been severely affected by inaccurate, incomplete, and unverifiable information being reported to the credit bureaus. These errors have resulted in damage to my creditworthiness, emotional distress, and financial harm. The information listed below has been disputed with the credit bureaus but remains unresolved. Therefore, I am requesting a full investigation and enforcement of my consumer rights. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This address was falsely added without my authorization. Reporting inaccurate identifying data violates FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ), as it does not reflect maximum possible accuracy. This information damages the integrity of my credit file and creates confusion for lenders. I request complete deletion under FCRA 611 ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This duplicate and inconsistent listing reflects negligent data management. You are legally obligated to ensure consumer data accuracy and completeness under FCRA 607 ( b ). Having similar but inconsistent addresses is a known trigger for identity discrepancies. I demand immediate correction and removal of this unverifiable record under 611 ( a ) ( 5 ) ( A ). 

The continued presence of these errors violates my rights as a consumer and contradicts the intent of the FCRA and FDCPA to ensure fairness, accuracy, and privacy of consumer information. I am requesting that the CFPB investigate each listed violation and enforce corrective action. I also request confirmation once the investigation is completed and the inaccurate data is permanently deleted or corrected from my credit reports.

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

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-11 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-11-11 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: VA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and have served continuously since 2014. 

Under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3901 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) and 1681i ), I am requesting the immediate removal of all inaccurate late-payment remarks reported on my credit file that occurred during my active-duty military service. 

Reporting delinquencies or late payments during a period of verified active-duty service is prohibited and misleading under both SCRA and FCRA. These laws protect servicemembers from adverse credit actions and require credit reporting agencies to ensure the accuracy and completeness of information furnished to consumer reports. 

I have been on continuous active-duty status since 2014, and my credit reports currently contain late-payment notations that were reported while I was actively serving. These entries must be deleted or corrected to comply with : SCRA 3937 ( Protection against adverse credit actions for active-duty servicemembers ) FCRA 611 ( a ) ( 5 ) ( A ) ( Requirement to correct or delete inaccurate or incomplete 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 2025-11-11 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: VA

Complaint narrative:
I am an XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and have served continuously since 2014. 

Under the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 3901 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) and 1681i ), I am requesting the immediate removal of all inaccurate late-payment remarks reported on my credit file that occurred during my active-duty military service. 

Reporting delinquencies or late payments during a period of verified active-duty service is prohibited and misleading under both SCRA and FCRA. These laws protect servicemembers from adverse credit actions and require credit reporting agencies to ensure the accuracy and completeness of information furnished to consumer reports. 

I have been on continuous active-duty status since 2014, and my credit reports currently contain late-payment notations that were reported while I was actively serving. These entries must be deleted or corrected to comply with : SCRA 3937 ( Protection against adverse credit actions for active-duty servicemembers ) FCRA 611 ( a ) ( 5 ) ( A ) ( Requirement to correct or delete inaccurate or incomplete information )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
I purchased a vehicle from XXXX. I returned it with a return alignment the financial lender XXXX is the XXXX who financial the vehicle, but I no longer have the vehicle in my possession. It was returned over a week ago, and I have reached out to them and tried to get them to report it correctly and they have not

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 2025-11-11 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: NC

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
Not sure, where this came from Ive been a member of XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) since XXXX, why would I be paying for XXXX when I have cable since the year 2021 ...... I have attached the contact to show the first install of XXXX below

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 2025-11-11 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: TX

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 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 2025-11-11 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 2025-11-11 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: TX

Complaint narrative:
Please inspect this entry ; it could be both late and incorrect.

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

Complaint narrative:
I am not associated with these accounts ; removal within 15 days is required under USC 1681g.

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 2025-11-11 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: GA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous 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 non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-11 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-11 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: EQUIFAX, INC.
State: NV

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX - XX/XX/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 non-monetary relief
Consumer complaint received 2025-11-11 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: GA

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 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