vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I recently pulled up my Experian, Transunion and Equifax report and your company is putting inaccurate information on my credit report.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow resonance procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : Account Name : XXXX Account Number : XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To Whom It May Concern, I recently pulled up my Experian, Transunion and Equifax report and your company is putting inaccurate information on my credit report.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information.

15 USC 1681e ( b ) Compliance and procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow resonance procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates. 

Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 

I demand to see verifiable proof ( i.e : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

Or a Certification from the creditor that certified the accuracy and completeness of the information/account. 

Your failure to positively verify these accounts has hindered my ability to obtain credit. 

Under the Fair Credit Reporting Act, unverifiable accounts must be DELETED and if you can not provide me a copy of verifiable proof, you must DELETE the account listed below. 

I demand that the following account be validated or DELETED immediately : Account Name : XXXX Account Number : XXXX In addition, DELETE all non-account holding inquiries over 30 days old. 

Under federal law, you have thirty ( 30 ) days to complete your re-investigation. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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:
This CFPB complaint is submitted in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ) to formally request that Equifax block and delete the fraudulent and unauthorized accounts listed below from my consumer credit file within four business days of receiving this complaint. Additionally, under FCRA Section 611 ( 15 U.S.C. 1681i ), I dispute the accuracy of these accounts and demand a lawful reinvestigation and permanent removal as required by federal law.

The following accounts are fraudulent and must be blocked from my credit report : A credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a balance of {$7500.00} A credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, with a balance of {$830.00} A credit card account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$1400.00} An auto loan account with XXXX XXXX XXXX opened on XX/XX/XXXX, with a balance of {$260.00} Pursuant to FCRA Section 611, I am requesting complete reinvestigation results, including the method of verification used and physical proof supporting the accuracy of each of these accounts. Failure to provide this documentation constitutes prima facie evidence of fraudulent and inaccurate reporting and requires immediate deletion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 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: LA

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
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2025-05-10 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED 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 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 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 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 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 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 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 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 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 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 explanation
Consumer complaint received 2025-05-10 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against XXXX XXXX  for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., specifically related to its failure to properly investigate and respond to my dispute concerning an account it continues to report to the credit bureaus. 

XXXX has improperly labeled my dispute as duplicate, in violation of 15 U.S.C. 1681i ( a ) ( 1 ) and ( a ) ( 2 ), which require a data furnisher and the consumer reporting agencies to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of information in their file. Simply classifying my dispute as duplicate does not relieve XXXX of its obligation to investigate new factual assertionsparticularly those that were not substantively addressed in any prior response. 

In my most recent dispute, I raised critical, unresolved issues including : XXXX. The issuance of a Form 1099-C, which was submitted to and accepted by the Internal Revenue Service , indicating cancellation of the alleged debt. XXXX failed to provide a legal explanation or remedy as to why it continues to report a balance on an account that has, by IRS acknowledgment, been discharged. This is a direct violation of FCRA 1681s-2 ( b ) ( 1 ) ( E ), which requires furnishers to correct or delete inaccurate, incomplete, or unverifiable information.

2. The securitization of the alleged debt without my knowledge or written consent. This raises serious concerns under 15 U.S.C. 1692e of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive or misleading representations, especially where a creditor claims ownership or the right to collect on a debt it no longer holds due to transfer or securitization. 

XXXX has completely ignored these material issues. Their refusal to investigate based on a duplicate dispute assertion is not only incorrect but legally insufficient. It is well established that if a dispute includes new information or different legal arguments, it can not be summarily dismissed as duplicative. Discovers ongoing conduct demonstrates willful noncompliance with their legal obligations and is causing continued and unjustified damage to my credit profile. 

I respectfully request that the CFPB take immediate action to : Investigate XXXX Bank for its failure to perform a reasonable reinvestigation as required by FCRA ; Compel XXXX to cease and desist reporting this account unless and until it provides verifiable and lawful grounds for doing so ; and Sanction XXXX for disregarding consumer protections under both the FCRA and FDCPA. 

I am prepared to provide supporting documentation, including the 1099-C, my previous dispute letters, and credit reports, upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Carvana Group, LLC
State: PA

Complaint narrative:
Company : Carvana XXXX : XXXX, PA I am filing this complaint regarding a vehicle purchase through Carvana that involved an unjustified increase to our down payment and poor communication t

hat may result in wrongful repossession. We paid the original required down payment of {$590.00}. Before the vehicle was delivered, we were told the down payment increased by {$1400.00} due to employment verification failure. However, we were not informed that submitting additional documents ( such as six paystubs ) could waive or reduce the extra charge.

After the vehicle was delivered, we contacted Carvana regarding another finance issue and inquired about the additional {$1400.00} down payment due to failed employment verification for a job Ive maintained for 14 years. A representative stated that we could have submitted additional paystubs, and that someone would follow up. No one ever did. 

Then, 26 days after delivery, we were suddenly contacted and told we had 5 days to pay the $ XXXX threat of repossession. 

We sent a formal email, and Carvana responded asking for more information. We replied immediately, but they have gone silent again for over 2 business days, despite the urgency.

At this point, we are being threatened with repossession over a disputed and improperly disclosed charge, despite not being in default on our actual auto loan. We request : A full investigation into this {$1400.00} charge Immediate hold on any repossession activity Clarification of our payment obligations We are prepared to pursue legal action for wrongful repossession if this continues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Spring Oaks Capital, LLC
State: PA

Complaint narrative:
Subject : Request for Investigation and Removal of Inaccurately Reported Account To Whom It May Concern, I am writing to formally dispute inaccurate information listed on my credit report. I recently obtained a copy of my credit report from your agency and noticed that the following account is being inaccurately reported : Creditor Name : Spring Oaks Capital LLC XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Reported Inaccuracy : Spring Oaks Capital LLC purchased an account for collections that was originally owned by XXXXXXXX XXXX The statements they have from the original creditor shows a final balance of {$590.00} before the account was closed and sent for collections. Spring Oaks Capital LLC is reporting to my credit and requesting an amount of {$700.00}. 

XXXXXXXX XXXX purchased an account originally owned by XXXX XXXX XXXX on XX/XX/XXXX and had been reporting this to my credit since then. On XX/XX/XXXX they reported the account as deleted due to the 7 year period of owning the account expiring and no longer being able to report it to my credit report. It has since not been deleted and is still showing active and reporting to my credit report and negatively affecting my credit. 

I believe this information is incorrect and am requesting that you initiate an investigation into this matter under the Fair Credit Reporting Act ( FCRA ). Please find attached any relevant supporting documentation to substantiate my claim, including the final statement before account was sent to collections. 


Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NY

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
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 and Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. 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 explanation
Consumer complaint received 2025-05-10 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute information that I believe to be incorrect or incomplete. It is your responsibility to conduct a reasonable investigation to determine if this information is accurate and correct or remove any information that can not be verified. 
Disputed Account Information : * Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  I am seeing conflicting information on my other credit reports This information is negatively affecting my credit report, and as per 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a full reinvestigation within 30 days and correct or delete any inaccurate or unverifiable information.

Action Requested : * Please conduct a reinvestigation of the account information listed above.

* If the information can not be verified as accurate, it must be corrected or removed from my creditreport.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ), I have the right to dispute information that I believe to be incorrect or incomplete. It is your responsibility to conduct a reasonable investigation to determine if this information is accurate and correct or remove any information that can not be verified. 
Disputed Account Information : * Creditor/Collection Agency Name : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX  I am seeing conflicting information on my other credit reports This information is negatively affecting my credit report, and as per 15 U.S.C. 1681i ( a ) ( 1 ), you are required to conduct a full reinvestigation within 30 days and correct or delete any inaccurate or unverifiable information.

Action Requested : * Please conduct a reinvestigation of the account information listed above.

* If the information can not be verified as accurate, it must be corrected or removed from my creditreport.

Company response to consumer: Closed with non-monetary relief