vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing a formal complaint because there is inaccurate and/or unverifiable information being reported on my credit report by a consumer reporting agency. I recently obtained a copy of my credit report and found one or more accounts that either do not belong to me, are reported inaccurately, or have already been paid in full.

I submitted a written dispute directly to the credit reporting agency under the Fair Credit Reporting Act ( FCRA ), specifically citing violations of 1681e ( b ) for failing to ensure maximum accuracy, and 1681i for not conducting a reasonable reinvestigation within the 30-day timeframe.

Despite my demand, the inaccurate information remains on my report, and I have not received sufficient verification or documentation ( such as a signed contract or complete payment history ) to justify the continued reporting of the disputed account. I believe this reflects willful non-compliance with the FCRA and is causing me harm.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
I am writing to formally report and dispute fraudulent information appearing on my ChexSystems consumer report. The account ( s ) in question were not authorized by me and are the result of either fraud or a bank processing error. 
I first became aware of this fraudulent activity when I was denied a bank account and obtained a copy of my ChexSystems report. I discovered fraudulent entries. I respectfully request that these entries be immediately investigated and permanently deleted from my consumer file, in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
Please send me written confirmation once the investigation is complete and the inaccurate data is removed from my record. 
Thank you for your time and attention.

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 2025-07-08 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: FL

Complaint narrative:
I am submitting this complaint with full certainty and growing frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies are severely impacting my credit score and standing in the way of my financial progress and stability.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
my phone number is NOT XXXX it is XXXX I have capital one as my car loan, I recently needed to re-register an expired XXXX registration to XXXX and needed the copy of my title- i had a problem getting the title, and now I am having a problem trading in myvehicle- apparently the ownership of the loan is in question i need to know what is going on with my vehicle loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: CA

Complaint narrative:
My vehicle was totaled on XX/XX/year>. 

My insurance carrier, XXXX ( Claim # XXXX ), issued payment to Volkswagen Credit to settle the lease balance. 

Despite this, VW Credit has continued to charge me monthly lease payments for XXXX, XXXX, and XXXX. Ive provided all documentation, and the vehicle is no longer in my possession, and the car has been signed over. 

This is an unfair billing practice, and I am seeking full reimbursement for post-total-loss payments and confirmation the account has been closed without derogatory credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I filed complaints about false information on my credit report with TransUnion, Equifax, and Experian. I informed them of the infractions they were committing against my consumer report and provided a list of the accounts. They still haven't responded after more than XXXX days. Copies of every letter sent are included below. 

This business failed to label this disputed account as disputed, which is a violation of FCRA XXXX ( a ) b ). 


XXXX ( c ) running if the last activity date on this account is reporting and the period has also been broken. When should the most recent payment date appear? 

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I filed complaints about false information on my credit report with TransUnion, Equifax, and Experian. I informed them of the infractions they were committing against my consumer report and provided a list of the accounts. They still haven't responded after more than XXXX days. Copies of every letter sent are included below. 

This business failed to label this disputed account as disputed, which is a violation of FCRA XXXX ( a ) b ). 


XXXX ( c ) running if the last activity date on this account is reporting and the period has also been broken. When should the most recent payment date appear? 

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA 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 2025-07-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am filing this complaint against Bridgecrest / XXXX due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws. 

Bridgecrest is currently reporting a repossession account on my credit report with a balance of {$6300.00}. The original loan amount was {$15000.00}, and the vehicle was repossessed in XX/XX/year>. 

Issues : Inaccurate and Misleading Credit Reporting Bridgecrest is reporting repeated R ( repossession ) codes month after month, even long after the vehicle was repossessed. 

This appears to be re-aging the account, which is illegal under FCRA 1681c. A repossession is a one-time event, not something that should appear every month for years. 

The payment history is incomplete and unclear, with codes like ND and missing 30/60/90-day late progressions before the repossession event. 

No Monthly Payment or Deficiency Breakdown My credit report does not include the monthly payment amount, and there is no explanation of how the {$6300.00} balance was calculated. 

I have never received a post-repossession deficiency notice, sale documentation, or any statement showing : The price the vehicle was sold for How proceeds were applied What portion of the {$6300.00} is principal, interest, fees, or repo charges This violates my rights under UCC Article 9 ( repossession law ), as well as potentially the Fair Debt Collection Practices Act ( FDCPA ) if collection efforts were made. 

Ongoing Harm and Legal Violations The current reporting is incomplete, misleading, and damaging my credit. 

The lack of documentation and transparency raises serious questions about whether Bridgecrest is legally allowed to report or collect this debt.

Their failure to provide proper disclosures also violates the FCRA 1681s-2, which requires accuracy and completeness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint to formally report Experians failure to comply with its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically regarding its handling of disputed information on my credit report. 

I submitted a dispute to Experian regarding inaccurate and/or unverifiable accounts appearing on my credit file. Despite providing supporting documentation and clearly outlining the inaccuracies, Experian failed to conduct a reasonable reinvestigation as required by law. The disputed information remains on my report without proper correction, deletion, or justification. 

Experian did not provide adequate documentation or a meaningful explanation of the investigation results. I have reason to believe that the reinvestigation process was perfunctory and relied solely on automated responses from data furnish

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Hello, Multiple unauthorized accounts appeared on my credit report, including from XXXX, XXXX, XXXX, and XXXX XXXX. These accounts report derogatory marks, charge-offs, and missed payments that I did not authorize or incur. I believe this is the result of identity theft. Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), I submitted formal disputes to Experian, Equifax, and TransUnion requesting that these accounts be blocked and permanently removed. 

I discovered the accounts in XX/XX/year> while reviewing my credit file. I took action by submitting written disputes to the credit bureaus, supported by an FTC Identity Theft Report and verifying documents. The credit bureaus have not yet resolved the matter as required by law. 

I am requesting CFPB assistance to enforce my right to have fraudulent accounts blocked and removed as required under 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, Multiple unauthorized accounts appeared on my credit report, including from XXXX, XXXX, XXXX, and XXXX XXXX. These accounts report derogatory marks, charge-offs, and missed payments that I did not authorize or incur. I believe this is the result of identity theft. Under 15 U.S.C. 1681c-2 ( FCRA Section 605B ), I submitted formal disputes to Experian, Equifax, and TransUnion requesting that these accounts be blocked and permanently removed. 

I discovered the accounts in XX/XX/year> while reviewing my credit file. I took action by submitting written disputes to the credit bureaus, supported by an FTC Identity Theft Report and verifying documents. The credit bureaus have not yet resolved the matter as required by law. 

I am requesting CFPB assistance to enforce my right to have fraudulent accounts blocked and removed as required under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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