vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: NY

Complaint narrative:
Subject : Formal Dispute of Inaccurate Reporting XXXX Late Payment for XX/XX/year> and XXXX  days XX/XX/year> To Whom It May Concern : I am writing to dispute inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and request an immediate investigation and correction. The following item is factually and mathematically impossible and must be removed : Disputed Item : Creditor Name : XXXX  Account Number : XXXX, XXXX, XXXX, XXXX Reported Error : A " XXXX  days late '' payment status for XX/XX/year>. 
Reason for Dispute : XX/XX/year> has only XXXX  days ( or XXXX in a leap year ). It is impossible to be XXXX  days late within a single month. 
This error suggests either a data entry mistake, a misreporting of the delinquency timeline, or an invalid reporting date. 
Legal Basis for Dispute : 1. FCRA 611 ( a ) ( 1 ) ( A ) : Requires CRAs to conduct a reasonable investigation of disputed items within 30 days.

2. FCRA 623 ( b ) ( 1 ) : Prohibits furnishers ( XXXX ) from reporting inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: MI

Complaint narrative:
I would like these inquiries to be deleted I did not authorize them to run my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
Subject : Third Dispute Demand for Removal of Inaccurate Late Payments and Full Compliance with FCRA To Whom It May Concern, This letter serves as my third formal dispute regarding inaccurate late payment information reported on the following account : Creditor/Account Name : XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Disputed Payment Date : XXXXXXXX  As per the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681i ( a ) and 1681g, I previously requested a detailed explanation of your investigation process and documentation verifying the accuracy of the reported late payments. To date, I have not received adequate evidence or a satisfactory resolution.

I now formally demand the permanent removal of these inaccurate late payment entries from my credit report. My own payment records indicate all obligations on this account were paid on time. If you or the data furnisher are unable to provide the following within 15 days, you are legally obligated to delete the disputed information : A Full Description of the Investigation Process As required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I request a written explanation of the methods, data sources, and steps taken to verify the alleged late payment. Please detail the precise verification process and the conclusion drawn from it.

Documented Evidence Supporting Late Payment Claims If you maintain the late payment is accurate, provide original documentation such as billing statements, payment ledgers, and date-stamped communications proving the delay. Failure to provide verifiable evidence within the time allowed by law will result in further action.

Correction of Inaccurate Reporting If you can not verify the reported delinquencies with substantial documentation, the account must be updated to reflect its accurate status : Paid As Agreed, Never Late ( PAANL ), pursuant to 15 U.S.C. 1681a ( 2 ) ( A ) ( i ).

Statement Mailing Procedures Under the Truth in Lending Act, particularly 15 U.S.C. 1666 ( b ) and 1637 ( b ), you are required to issue periodic statements at least 21 days before the payment due date. Please provide written procedures showing your compliance with this requirement.

Continued reporting of unverifiable and incorrect information constitutes a willful violation of the FCRA and may also infringe on my rights under the Consumer Financial Protection Act and the Truth in Lending Act. If these errors are not corrected immediately, I will pursue complaints with the Consumer Financial Protection Bureau ( CFPB ) and explore legal remedies available under federal law. 

Please respond with the requested information and confirmation of correction or removal of the disputed items within 30 days of receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: Carvana Group, LLC
State: VA

Complaint narrative:
Vehicle mileage was misstated ( actually XXXX at pickup ) and had higher mileage than listed on contract ( XXXX ) and damage on all 4 doors was completely unreported. I noticed the damage on all doors only after contract signing and down payment when the car was available for pickup on Friday XX/XX/year>. They wont fix scratches on doors or discount for misleading mileage listed online at time of sale I have proof ( screenshots ) of the damages they reported - 4 scratches/paint chips and none were on The Doors ( two were on the roof, one on rear quarter panel and the final reported cosmetic imperfection was on the hood ). Every door has at least one scratch or paint chip if not more. The contract lists mileage lower than it had when I picked it up. 
They are not willing to adjust the price or fix the paint chips/scratches. I spoke to XXXX and then XXXX from management. I HAVE MORE PHOTOS but the total size of all files exceeds the max I can upload on the complaint form. 

I do NOT expect a new car and I understand I bought a used vehicle ; however, XXXX took advantage of me and violated their own legal contract by delivering a vehicle that was XXXX miles over mileage listed at sale price and not disclosing any of the cosmetic damage to the door

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: RentDebt Automated Collections, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request an investigation into certain information currently appearing on my credit report under the provisions of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). 
Under the FCRA, you are legally obligated to conduct a reasonable investigation of any disputed information and to delete any data that can not be verified within 30 days of receipt of this letter. This letter serves as my official notice to invoke that right. 
I am not required to identify which specific items are inaccurate in this dispute ; rather, I am requesting that your agency verify all accounts reported under my file. Any item that can not be verified with competent evidence must be immediately removed from my credit report in accordance with Section 611 of the FCRA.

Please complete your reinvestigation within the legally mandated 30-day window and send me an updated copy of my credit report reflecting the results of your findings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Central Portfolio Control Inc.
State: CT

Complaint narrative:
I've gotten at least a dozen text messages from " XXXX XXXX XXXX. '' I always " report junk '' and delete the messages. Latest was XX/XX/year>. It always says XXXX XXXX, which is not my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: LA

Complaint narrative:
I reviewed my Equifax credit report on XX/XX/year>, and found several accounts reporting inaccurate, incomplete, or unverifiable information. I submitted formal disputes requesting validation documents, including the original signed contracts, the full chain of assignment for collections, the date of first delinquency, and complete payment and balance history. Despite these requests, Equifax marked these accounts as verified without providing any supporting documentation. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), requiring reasonable procedures to ensure maximum possible accuracy, and 15 U.S.C. 1681i ( a ) ( XXXX ) ( A ), requiring correction or removal of unverifiable information. The inaccurate and unverifiable reporting has caused harm to my credit profile and financial well-being. The accounts involved include XXXX XXXX ( ending in XXXX, XXXX, XXXX, XXXX ), XXXX XXXX XXXX ( ending in XXXX ), XXXX XXXX  ( ending in XXXX ), XXXX XXXX ( ending in XXXX ), and XXXX XXXX XXXX ( ref # XXXX ). I request that Equifax either provide the requested validation documents or remove the unverifiable accounts from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: NC

Complaint narrative:
I do not agree with the way the below account is reporting. I request this account to be re-investigated. All the inaccuracies are affecting my credit score. 

Account : XXXX Account # : XXXX According to the FCRA public law 91-506, title VI Section 611, please provide the names and addresses of person ( s ) with whom you verified the account so that I can follow up with them. After the reinvestigation please send me an updated copy or my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: TrueAccord Corp.
State: GA

Complaint narrative:
Requested a debt Validation asking TrueAccord ( or XXXX XXXX ) to prove debt is mines. 

Debt is pasted Georgia 's statute of limitations 4-6 years. They legally can't sue to collect because they validated my statute of limitations. 

Privacy Violations i was validated my data was sold or mishandled beyond what's standard in debt transfer. This is why I am filing a complaint with CFPB.

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 2025-07-27 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: OH

Complaint narrative:
My personal information was compromised in a data breach involving XXXX, which has led to me becoming a victim of identity theft. After carefully reviewing my credit reports, I discovered multiple unauthorized and fraudulent entries that I did not open, authorize, or initiate. 

The following entries are false and appear to be the result of fraudulent activity using my identity : Hard Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX Dated XX/XX/year> Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX I have no relationship with these companies and have never opened or applied for any accounts, services, or credit involving them. These accounts and inquiries were fraudulently established without my knowledge or consent. 

I am formally disputing these entries and requesting their immediate deletion and permanent blocking from my credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) Requires credit reporting agencies to investigate disputed information and remove or correct inaccurate or unverifiable items within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires consumer reporting agencies to block identity theft-related information within 4 business days of receiving a valid identity theft report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Requires data furnishers to investigate disputes and cease reporting information that is determined to be inaccurate or the result of identity theft. 

I am prepared to provide documentation such as a police report, an FTC Identity Theft Affidavit, and proof of the XXXX breach, if necessary. I am requesting that : All fraudulent accounts and the hard inquiry must be deleted and blocked within 4 business days under FCRA 605B.

My credit reports will be updated within 15 calendar days to reflect these corrections. 

I receive written confirmation of the results of the investigation and actions taken. 

Failure to correct this information will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and additional legal remedies as allowed by 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 explanation
Consumer complaint received 2025-07-27 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: OH

Complaint narrative:
My personal information was compromised in a data breach involving XXXX, which has led to me becoming a victim of identity theft. After carefully reviewing my credit reports, I discovered multiple unauthorized and fraudulent entries that I did not open, authorize, or initiate. 

The following entries are false and appear to be the result of fraudulent activity using my identity : Hard Inquiry : XXXX XXXXXXXX XXXX XXXXXXXX Dated XX/XX/year> Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account XXXX I have no relationship with these companies and have never opened or applied for any accounts, services, or credit involving them. These accounts and inquiries were fraudulently established without my knowledge or consent. 

I am formally disputing these entries and requesting their immediate deletion and permanent blocking from my credit file. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 611 ( 15 U.S.C. 1681i ) Requires credit reporting agencies to investigate disputed information and remove or correct inaccurate or unverifiable items within 30 days.

FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires consumer reporting agencies to block identity theft-related information within 4 business days of receiving a valid identity theft report.

FCRA 623 ( 15 U.S.C. 1681s-2 ) Requires data furnishers to investigate disputes and cease reporting information that is determined to be inaccurate or the result of identity theft. 

I am prepared to provide documentation such as a police report, an FTC Identity Theft Affidavit, and proof of the XXXX breach, if necessary. I am requesting that : All fraudulent accounts and the hard inquiry must be deleted and blocked within 4 business days under FCRA 605B.

My credit reports will be updated within 15 calendar days to reflect these corrections. 

I receive written confirmation of the results of the investigation and actions taken. 

Failure to correct this information will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and additional legal remedies as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: LEXISNEXIS
State: CA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously XXXX, and since my XXXX I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Between XXXX and XX/XX/XXXX, I was defrauded by a woman named XXXX XXXX XXXX, who advertised a bill payment service via XXXX. She claimed to be able to pay utility and other bills at a discounted rate in exchange for XXXX payments sent directly to her. 

On the following dates, I sent her funds via XXXX through Chase Bank : XX/XX/XXXX : {$220.00} XX/XX/XXXX : {$81.00} XX/XX/XXXX : {$93.00} After receiving payment, she failed to deliver the service promised. The bills were never paid, and no refunds were issued. When I contacted her, she downplayed her responsibility, citing " a XX/XX/XXXX chance '' that payments would go throughsomething that was never disclosed upfront. 

I reported this as fraud to Chase, but the claim was denied without any clear explanation or option to escalate. Despite providing receipts and communication logs, Chase closed the case and stated the payment could not be reversed. 

This individual is believed to be operating a broader scam affecting others, and has a history of receiving funds through XXXX and XXXX XXXX for illegitimate purposes. Her daughter has also received payments on her behalf when her XXXX account becomes inaccessible, further suggesting a coordinated effort.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
This collection says XXXX dollars on my credit report i would like it to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: TX

Complaint narrative:
In XX/XX/year>, I submitted a Qualified Written Request to XXXXXXXX XXXX asking for proof of ownership of my mortgage loan including the original Note and any endorsements or allonge. The company failed to produce proof of standing but continues to collect monthly mortgage payments. They provided an allonge that does not name XXXX Mortgage or Mid First Bank. I believe XXXX is collecting on a debt without legal standing. I requesting the CFPB to investigate whether XXXX is in violation of RESPA and or FDCPA.

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 2025-07-27 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: Velocity Portfolio Group
State: TX

Complaint narrative:
Inaccurate information on report. No knowledge of account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX XXXX and financed the vehicle through Bridgecrest. I made consistent monthly payments totaling {$32000.00}. However, I was never informed that the vehicle had a preexisting mechanics lien held by XXXX XXXX XXXX. 

On XX/XX/XXXX, at approximately XXXXXXXX XXXX., the vehicle was repossessed by XXXX XXXX a mechanics lien foreclosure XXXX I was not notified in advance, violating my rights under Texas XXXX XXXX XXXX, which requires notice to the vehicle owner before repossession. I only became aware of the lien after the vehicle was taken. 

Bridgecrest was notified of the mechanics lien as early as XX/XX/XXXX, yet failed to respond within the XXXX legal window required under XXXX  XXXX XXXX XXXX. As a result, XXXX XXXX XXXX and took title of the vehicle. I later paid off the lien myself and received a clean title from the Texas XXXX on XX/XX/XXXX, showing me as the sole owner with no lienholder listed. 

Despite no longer having a valid lien or legal claim to the vehicle, Bridgecrest continues to report the loan as active, threatening repossession and attempting to collect on a balance of {$36000.00}. They recently sent me a notice threatening repossession if I did not pay {$2700.00} by XX/XX/XXXX. 

XXXX attempts to collect and threaten repossession without a perfected lien or valid collateral are misleading and unlawful under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ). I am requesting the immediate cancellation of the loan, full removal of all credit reporting related to it, and a refund of the {$32000.00} I paid toward this unenforceable debt.

Company response to consumer: Closed with explanation