vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Innovate Managed Holdings, LLC
State: OK

Complaint narrative:
The loan was originally opened with XXXX XXXX on XX/XX/XXXX. The account was transferred to XXXX  XXXX XXXX on XX/XX/XXXX, but I was only notified by text on XX/XX/XXXX, with no written notice or documentation of the transfer. 

On XX/XX/XXXX, I called XXXX XXXX XXXX and was met with a recording claiming the number was a scam, recommending I hang up. I spoke with representative XXXX, requested written documentation, and was told it would be emailed ; I never received it. 

My vehicle has been XXXX multiple times, even when proper payments were made. The most recent disabling, and the first by XXXX XXXX XXXX, occurred on XX/XX/XXXX. Between XXXX XXXX XXXX I called multiple times and spoke with XXXX, XXXX, and XXXX. Each provided different and inconsistent explanations regarding website errors, fees, and limited payment options, making it impossible to determine the correct process. 

On XX/XX/XXXX, at XXXX AM, XXXX stated my vehicle would not be turned on unless I paid via XXXX, the only payment option they allow. Attempts to request a mailing address again triggered the scam warning recording ( see attached video ). 

I do not know the account balance, as I never receive statements. XXXX  XXXX XXXX is charging unauthorized fees for payments, which were not included in my original XXXX XXXX contract. 

As of XX/XX/XXXX, I have submitted a written debt validation request via email and certified mail. 

FDCPA Violations/ Concerns : Failure to provide proper validation or documentation Limiting payment options to a single, inconvenient method and charging unauthorized fees Disabling the vehicle without lawful justification Providing inconsistent or misleading information Actions Taken : Requested debt validation multiple times Documented calls and correspondence Made proper payments when required Sent written debt validation on XX/XX/XXXX Called multiple times between XXXX, speaking with multiple representatives

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-09-25 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:
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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: SC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
b'XXXX XXXX XXXX\nInquiry: XXXX XXXX XXXX\nCard ServicesXXXX XXXX XXXX XXXX XXXX\nBy Phone:XXXX\n\n\ncredit corp solutions\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nCall Us National calls:\n XXXX\n\nFACTUAL DATA\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX,\nXXXX XXXX XXXX\nPhone XXXX XXXXXXXX\n\nXXXX\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nPhone XXXX XXXX\n\n\nXXXX XXXX  DOD\nInquiry: XXXX XXXX, XXXX\nXXXX XXXX XXXX XXXX, \nXXXX XXXX XXXX\nPhone XXXX\n\nXXXX XXXX XXXX (XXXX)\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nPhone +XXXX\n\nXXXX XXXX XXXXnInquiry: XXXX XXXX XXXX\nPhone XXXX XXXXnXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX\nInquiry: XXXX XXXX XXXX\nPhone (XXXX XXXX XXXX XXXX XXXX\n\nXXXX XXXX\nInquiry: XXXX XXXX XXXX\nPhoneXXXX XXXX. EMAIL US. XXXX\n\nXXXX\nInquiry: XXXX XXXX XXXX\XXXX XXXX\nDALLAS, TX XXXX\nPhoneXXXX XXXX\n\nXXXX XXXX\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX  XXXX.\nPhone XXXX.\n\nXXXX XXXX XXXX XXXX\nInquiry: XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPhone XXXX\n\nXXXX XXXXnInquiry: XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX\n XXXX XXXX XXXX\nPhone XXXXn\XXXX\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX\nPhone XXXX XXXX\n\nXXXX XXXXnInquiry: XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX,\n XXXX XXXX XXXX\nPhone XXXX\n\nXXXX XXXX XXXX\nReported: XXXX XXXX XXXXnXXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nPhoneXXXX XXXX\n\nXXXX XXXX XXXX\nReported: XXXX XXXX XXXX\nXXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\n(XXXX XXXX'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: CBC Companies, Inc.
State: FL

Complaint narrative:
b'XXXX XXXX XXXX\nInquiry: XXXX XXXX XXXX\nCard ServicesXXXX XXXX XXXX XXXX XXXX\nBy Phone:XXXX\n\n\nXXXX XXXX XXXXnInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX  \nXXXX XXXXnCall Us National calls:\n (XXXX\n\nFACTUAL DATA\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX,\nXXXX XXXX XXXX\nPhone XXXX XXXX\n\nXXXXnInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nPhone XXXX XXXX\n\n\nXXXX XXXX XXXX\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX XXXX, \nXXXX XXXX XXXX\nPhone XXXX\n\nXXXX XXXX XXXX (XXXX)\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nPhone XXXX\n\nXXXX XXXX XXXX\nInquiry: XXXX XXXX XXXX\nPhone XXXX XXXX\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX XXXX\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\n\nXXXX XXXX\nInquiry: XXXX XXXX XXXX\nPhoneXXXX XXXX. EMAIL US. XXXX\n\nXXXX\nInquiry: XXXX XXXX XXXX\nXXXX XXXX\nXXXX XXXX XXXX\nPhoneXXXX XXXX\n\nJXXXX XXXXnInquiry: XXXX XXXX XXXXnXXXX XXXX XXXX XXXX XXXX \nXXXX XXXX.\nXXXX XXXX.\n\nXXXX\nXXXX XXXX XXXX XXXX\nInquiry: XXXX XXXX XXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX\nPhone XXXX.\n\nXXXX XXXX\nInquiry: XXXX XXXX XXXX \nXXXX XXXX XXXX XXXX,\n XXXX XXXX XXXX\nPhone XXXX\n\XXXX\nInquiry: XXXX XXXX XXXXnXXXX XXXX XXXX XXXX XXXX, \nXXXX XXXX\nPhone XXXX XXXX\n\nXXXX XXXXnInquiry: XXXX XXXX XXXX  \nXXXX XXXX XXXX XXXX,\n XXXX XXXX XXXX\nPhone XXXX\n\nXXXX XXXX XXXX\nReported: XXXX XXXX XXXX\nXXXX\nXXXX XXXX XXXXnXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX\nPhoneXXXX XXXX\n\XXXX  XXXX  XXXX\nReported: XXXX XXXX XXXX\nXXXX\nXXXX XXXX XXXX\nXXXX XXXX XXXX XXXX XXXX XXXX\nXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Driveway Finance Corporation
State: TX

Complaint narrative:
I called on XX/XX/year> and called back on XXXX XXXX to see if they can do anything to help due to having hardship situations with my health. The first guy I talked to he stated since they gave a me a deferred in XXXX they cant help me and I stated so if a person struggling going through and always pay on time you all can't help a faithful customer and he stated no we can't you just can call back to keep us update with the situation. I received an email on XX/XX/XXXX and it stated i was behind {$58.00} and change, I state I paid what I could and the lady stated well we can't give you a defer due to them giving me a defer in XXXX. She stated call back on Friday and I said ok, but it want change. Today XX/XX/XXXX, I came up with the rest of the payment, but XXXX payment will be a struggle can you all help me please and the guy stated since the defer in XXXX we can't help you. I stated you all can't help please because I'm struggling right now due to my health is in bad shape so my medical bill pilling up, but still they said no even to a person that's never late and pays on time. He told me just keep calling to keep communication open, but I stated to him my situation want change by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/year> my Bank of America checking account was emptied out in the amount of {$2700.00}, by someone opening a cash app account using my card details. XXXX transaction were authorized before my bank alerted me of the fraud at around XXXX am where I immediately called to file my claim. Swiftly bank of America denied my claim and it is currently in review for an appeal with in this time frame I was suppose to receive a credit for the amount that was stolen and have still not yet received a credit. I am not able to survive and currently at risk of my car being repossessed and getting kicked out of my living arrangements. I have filed a police report and have constantly been in contact with them and nothing is being done.

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 2025-09-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My name is XXXX XXXX I was at work when I realized that someone had broken into my car and stolen my wallet. They went to a local sneaker and clothing store and tried multiple times to make purchases off my card until they were able to bring their order amount down enough till my card actually went through. I have tried XXXX different times to dispute this with XXXX. I have provided documentation of my police report as well as proof that I was at work at the time as well as proof of the other transactions that didnt go through before the ones that did go through. I also gave them the information to the location that they misappropriated the funds at and I still was denied Police repost lookup : XXXX Case is being handled by XXXX  XXXX at XXXX XXXX in XXXX Ohio

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXXXXXX  credit report on XX/XX/2025, 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: IL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: IL

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: OH

Complaint narrative:
Hi, I noticed I've been a victim of identity theft, and my personal information was exposed in a national data breach. I am contacting you regarding fraudulent accounts that have been reported on my credit report. 

Under the authority of 15 U.S. Code 1681c-2, I am formally requesting that you block and remove from my credit report all information that resulted from this identity theft, including any fraudulent accounts, inquiries, or collections that do not belong to me. 

XXXX XXXXXXXX | Account Number : XXXX XXXX XXXX XXXX XXXX | Account Number : XXXX XXXXXXXX XXXX XXXX | Account Number : XXXX please remove the following inaccurate names from credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX please remove the following addresses from credit report XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing certain collection and charge-off accounts on my credit report as inaccurate, outdated, or unverifiable. Despite submitting disputes and supporting documentation, these accounts remain unverified and continue to harm my credit. Under the Fair Credit Reporting Act ( FCRA ), I demand a full reinvestigation of these accounts, and any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with non-monetary relief