vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. 

To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX, New York XXXX Social Security XXXX : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address.

A copy of my Social Security card to confirm my SSN.

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1. Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2. Update my credit profile to reflect the correct information as listed above.

3. Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. XXXX XXXX XXXX, XXXX, GA, XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, NY, XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX, OR, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: MN

Complaint narrative:
The account XXXX XXXX XXXX  has multiple inaccuracies that violate the Fair Credit Reporting Act. The account contains inconsistent and inaccurate information across the credit bureaus, specifically regarding the Date of Last Payment. The High credit reported as {$810.00} on XXXX  and XXXX, but {$0.00} on Experian. The credit limit is missing entirely from XXXX. The " Date Last Active '' differs across the bureaus. Also the Conflicting comments and charge-off notations. The payment history coding does not align with last payment and charge-off dates. These inconsistencies indicate that the information being reported is inaccurate and unverifiable.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DriveTime
State: AL

Complaint narrative:
Account Numbers : XXXX XXXX XXXX XXXX Subject : Formal Complaint Against DriveTime XXXX  for Inaccurate and Misleading Credit Reporting To Whom It May Concern, I am filing this complaint against XXXX for repeatedly reporting inaccurate, incomplete, and misleading information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 data furnishing standards. Despite my attempts to resolve these issues directly with XXXX, the company continues to report the following concerning discrepancies : 1. Inconsistent and Conflicting Account Information Across XXXX XXXX XXXX XXXX  the account shows different balances, payment histories, and creditor contact details. 2. Missing or Inaccurate Date of First Delinquency ( DOFD ) The absence of this federally required field may result in unlawful re-aging of the debt. 3. Reporting of inaccurate Scheduled Payment Amount While the account remains open or shows recent activity, the scheduled payment is inaccurately listed. 4. Continuing to Report Negative Status Codes ( e.g., R or C ) Bridgecrest continues to report these monthly on accounts that are charged-off or repossessed, which may be misleading and designed to inflate derogatory impacts. 5. Creditor Contact Information Discrepancies Each credit bureau shows different names, addresses, and phone numbers for XXXX, violating Metro 2 requirements for standardization and accuracy. These actions violate the following provisions of the FCRA : 623 ( a ) ( 1 ) ( A ) Reporting inaccurate or incomplete information 623 ( a ) ( 2 ) Failure to correct and update incorrect data 623 ( a ) ( 5 ) Failure to report accurate DOFD 623 ( b ) ( 1 ) Failure to conduct a reasonable investigation after disputes I am requesting the CFPB to launch a full investigation into Bridgecrests reporting practices and require them to : Remove or correct all inaccurate and unverifiable information ; Provide documentation supporting their reported data ; Comply with FCRA and Metro 2 standards going forward. Please contact me if you require documentation or further information to support this complaint. Thank you for your attention to this matter. I have contacted XXXX with no response. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CO

Complaint narrative:
I am a victim of identity theft. Multiple fraudulent accounts and collections were opened or reported on my credit file without my knowledge or authorization. 

These accounts have severely damaged my credit and are not valid. 

I filed an identity theft report with the FTC ( Report # XXXX ) and submitted a police report to the XXXX Police Department ( Case # XXXX ). I also submitted formal disputes to the credit bureaus, attaching those reports along with proof of my identity and current address. 

Despite this, the accounts remain on my credit file. 

The fraudulent accounts include but not limited to : Credit cards, auto loans, apartments and personal loans falsely opened Collections for apartment leases and other charges I never authorized False inquiries & addresses I am now invoking my rights under FCRA 605 ( b ), which requires deletion of fraudulent accounts within 4 business days once a valid identity theft report is submitted. All required documentation is attached. 

If the bureau or data furnisher fails to delete these items promptly, I intend to escalate under FCRA 611 and 616 and pursue legal action if necessary.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Yamaha Motor Finance Corporation USA
State: NY

Complaint narrative:
In XXXX, I experienced financial hardship due to job loss during the XXXX pandemic, which caused me to fall behind on my Yamaha Motor Finance auto loan . Despite those challenges, I paid the account in full, and it has been closed since XXXX. Since then, I have maintained perfect payment history on all other credit obligations. 

Because of this, I sent a goodwill request to Yamaha Motor Finance asking for the removal of the negative late payment history ( including the 180-day late mark ) from my credit reports. I mailed two letters via certified mail one was received on XX/XX/XXXX, and another follow-up was received on XX/XX/XXXX. Both were signed for by a representative named " XXXX. '' Despite those efforts, the 180-day delinquency is still being reported on XXXX XXXX XXXX XXXX  account shows comments indicating it was previously in dispute, but no positive update has been made. I also called XXXX, who said the remark would be removed, but the account still reflects a severe delinquency.

I am not disputing that I was late in the past I am simply requesting a goodwill adjustment on a closed, resolved account that has been in good standing for over 3 years. These negative marks are preventing me from qualifying for business financing, despite my efforts to resolve everything properly. 

I am asking for the CFPBs help in getting a final response from XXXX or an appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: PA

Complaint narrative:
I am requesting that TRANSUNION initiate a full reinvestigation of the repossession account listed below, and if the creditor fails to provide complete and verifiable documentation, that TRANSUNION delete the account from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. 

Disputed Account : XXXX XXXX Account Number : XXXX Specific Resolution Requested : Remove this account if XXXX XXXX can not validate : The accurate balance, reflecting auction proceeds and any GAP insurance payout A complete and accurate payment history Proper validation of the debt, including full account documentation I have attached : A copy of my credit report with the disputed entry highlighted A copy of my government-issued ID for verification Please provide a written investigation summary and notify me of the result within XXXX XXXX as required by law. 

If the account is not properly verified, I expect immediate deletion from my credit file.

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 2025-07-22 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: GA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be 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 non-monetary relief
Consumer complaint received 2025-07-22 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 requested the permanent deletion of the information in question, in accordance with the Fair Credit Reporting Act. A hard inquiry not initiated or authorized by me. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a report when a permissible purpose exists, such as a credit transaction that I initiated or gave written permission for. The address is not affiliated with me. I have never resided at or used this address for any financial, personal, or professional reason. Per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute and request the correction or deletion of inaccurate identifying information. The charged-off account contains inaccurate and/or unverifiable information. I have no knowledge of this account, nor have I ever received any benefit or services in connection with it. The balance, dates, and status appear to be erroneous. If the creditor and the credit bureaus can not validate this account with accurate and documented proof, then under FCRA 611, this account must be corrected or permanently removed from reporting.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-22 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 requested the permanent deletion of the information in question, in accordance with the Fair Credit Reporting Act. A hard inquiry not initiated or authorized by me. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a report when a permissible purpose exists, such as a credit transaction that I initiated or gave written permission for. The address is not affiliated with me. I have never resided at or used this address for any financial, personal, or professional reason. Per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute and request the correction or deletion of inaccurate identifying information. The charged-off account contains inaccurate and/or unverifiable information. I have no knowledge of this account, nor have I ever received any benefit or services in connection with it. The balance, dates, and status appear to be erroneous. If the creditor and the credit bureaus can not validate this account with accurate and documented proof, then under FCRA 611, this account must be corrected or permanently removed from reporting.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-22 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: RI

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 2025-07-22 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: RI

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 2025-07-22 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit 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 2025-07-22 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: FL

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-07-22 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: CA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-22 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 a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-22 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Red Target LLC
State: GA

Complaint narrative:
I bought a printer from XXXX and it was financed through XXXX. from the beginning the printer was not working correctly and would not produce a quality product. the printer was constantly running out of ink and the image would not stay on the shirt after being washed. I contacted several people from XXXX to help and they were no help and i told them i was not going to be paying for a machine that does not work. I explained the situation to XXXX  several times and was told i could fill out a form to try to get XXXX to take the product back, the form was never sent. this went on for months then was under the impression they would be sending a crate to pick up the printer. It was never picked up. XXXX  then contacted me they sent over a balance from another company ( XXXX  ). i offered an amount for pay off and they would accept it. the person i was contacted by said i was refusing to pay and he would put it in the notes as such when i clearly offered to pay what i thought was reasonable. also the printer was purchased for XXXX i reached out to XXXX and they would not respond i have attached several attachments. the machine has gave nothing but problems it needs to be lemon lawed

Company response to consumer: Closed with explanation