vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
I am disputing inaccurate and/or incomplete information being reported on my credit report. I previously submitted disputes, but the information remains uncorrected. The account ( s ) being reported are inaccurate, unverifiable, or incomplete, and I am requesting a proper investigation under the Fair Credit Reporting Act. I am asking that the credit bureau and/or furnisher either verify the accuracy with proper documentation or remove the inaccurate information from my credit report.

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 2025-12-26 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:
I am disputing inaccurate and/or incomplete information being reported on my credit report. I previously submitted disputes, but the information remains uncorrected. The account ( s ) being reported are inaccurate, unverifiable, or incomplete, and I am requesting a proper investigation under the Fair Credit Reporting Act. I am asking that the credit bureau and/or furnisher either verify the accuracy with proper documentation or remove the inaccurate information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: NC

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-26 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: GA

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
First, my Banco Popular auto loan account was deleted from the credit bureaus ' records. I went to try to resolve the situation with my evidence, but I couldn't get anywhere. The auto loan still appears as " charge off '' on my credit report, even though it's a loan with a full balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any unverifiable 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 explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: FL

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b governing the permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or any lawful authorization. I did not provide written instructions authorizing the collection, use, or disclosure of this information. This conduct constitutes a clear violation of the permissible purpose requirements under federal law, and I have formally disputed the items at issue.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am filing this complaint against LexisNexis Risk Solutions, including its XXXX products, for furnishing and/or supplying inaccurate, incomplete, and unverifiable bankruptcy information about me to consumer reporting agencies. 

A bankruptcy identified as Reference XXXX is appearing on my credit reports, and the credit bureaus have represented that their verification originated from LexisNexis products. Despite my written disputes and formal requests for clarification, LexisNexis has failed to provide clear confirmation of what data was furnished, when it was furnished, to whom it was provided, or how it was verified. 

The bankruptcy data associated with me is defective and noncompliant in multiple material ways, including : Missing or inconsistent court reference numbers Incomplete or inconsistent filing and closing dates No documentation demonstrating certified, direct sourcing from the court of record No evidence of independent verification before furnishing or licensing the data LexisNexis publicly acknowledges that its public-records products, including bankruptcy data, may contain errors and are not free from defect. Disclaimers do not absolve LexisNexis of its obligations under the Fair Credit Reporting Act ( FCRA ). Federal law requires accuracynot warnings about possible inaccuracy. 

By continuing to furnish or license this defective bankruptcy data, LexisNexis has violated multiple provisions of federal law, including : FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) Furnishing information known or that should be known to be inaccurate FCRA 1681i ( a ) Failure to conduct or support a meaningful reinvestigation FTC Act ( 15 U.S.C. 45 ) Unfair and deceptive acts or practices LexisNexis is further on notice that consumer data integrity has been compromised due to national data breaches, which heightens its duty to independently verify public-record data before dissemination. Continuing to supply bankruptcy information with missing core data under these circumstances is reckless and unreasonable. 

This inaccurate reporting has caused ongoing harm to my credit profile, including credit score suppression, adverse lending decisions, and reputational damage. I should not suffer financial harm due to LexisNexiss failure to comply with federal law and industry standards. 

The continued presence of this bankruptcy after repeated disputes demonstrates willful noncompliance, not a clerical or isolated error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. The necessary supporting documents are enclosed to substantiate my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I disputed this account they never responded to the dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: WA

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ; XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 
Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file. 
Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ). 
The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information. 
To protect myself and follow the proper legal process, I filed an FTC Report ( XXXX XXXX. XXXX ; XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within XXXX ( XXXX ) business days. 
This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information. 
It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated. 
I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly. 
However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer 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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To the Consumer Financial Protection Bureau, I am submitting this formal complaint against Experian Information Solutions , Inc. for reporting multiple residential addresses that are inaccurate, unauthorized, and unverifiable, in direct violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards. 

Correct and Authorized Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Experian is currently reporting the following false addresses, none of which belong to me : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NY XXXX I have never resided at, received mail at, nor authorized the use of these addresses. 

Legal and Regulatory Violations : FCRA 607 ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy.

FCRA 611 ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation of disputed personal information.

FCRA 623 ( a ) ( 1 ) & ( 3 ) Furnishing inaccurate information and failing to properly mark it as disputed. 

Metro 2 Violations including improper population of : Address Fields ( Base Segment Fields 3945 ), Address Indicator, Residence Code, Consumer Information Indicator, ECOA Code, while omitting mandatory Compliance Condition Codes and Special Comments during an active dispute. 

These violations materially increase the risk of file contamination and mixed consumer files, resulting in ongoing 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 explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Clarity Debt Resolution, Inc
State: FL

Complaint narrative:
I deposited over {$4000.00} to be used for settlement negotiations. It was agreed that they wound send it back a they made no good settlement. They the. Ghosted me. XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: DriveTime
State: DE

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding Drivetime and their failure to properly register my vehicle and issue permanent license plates in a timely and lawful manner, resulting in ongoing hardship and the inability to legally operate my vehicle. 
I purchased a vehicle from Drivetime on XX/XX/year>. At the time of purchase, I was issued a temporary tag that expired in XX/XX/year>. Prior to its expiration, I visited my local Delaware XXXX, where the vehicle successfully passed inspection, including a VIN verification. Following this inspection, the XXXX issued another temporary tag, which expired in XX/XX/year>. 
As the XXXX expiration approached, I contacted Drivetime to inquire about the delay in receiving my permanent registration and tags. I was advised that their third-party vendor was waiting on a VIN inspection, despite the fact that this inspection had already been completed and documented by the Delaware XXXX XXXX 
In XX/XX/year>, after the temporary tag expired and I was no longer able to legally drive the vehicle, I contacted Drivetime again. At that time, I was informed that Delaware refused to issue another temporary tag and that the delay was allegedly not on Delawares end. Drivetime then stated they would issue a temporary tag directly from the dealership. 
On XX/XX/year>, I contacted Drivetime yet again due to the continued lack of resolution. During this conversation, I was told that the vehicle did not show as registered and that no inspection had been completedboth of which are false. I personally completed the inspection through the Delaware XXXX, and documentation exists to support this. 
Due to the ongoing confusion and contradictory information provided by Drivetime, I returned to the Delaware XXXX for assistance. During that visit, XXXX personnel contacted Drivetime directly. Based on the conversation and the dealerships failure to properly process the registration, the Delaware XXXX has filed their own formal complaint against Drivetime for negligence. 
As of today, this matter remains unresolved. My vehicle is still operating under temporary tags months after purchase, creating unnecessary financial strain, inconvenience, and the risk of legal consequences through no fault of my own. Drivetime has repeatedly attributed the issue to a third-party vendor without providing resolution or accountability. 
I am requesting a full investigation into Drivetimes handling of this matter, including their registration practices, use of third-party vendors, and failure to ensure vehicles are legally registered within required timeframes. 
Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Problem : Credit report or credit monitoring issue / Identity verification I have attempted to regain access to my Experian account but have received no response from their Membership Verification Department. I mailed identity verification documents on XXXX XXXX, XXXX  via USPS, including my ID, XXXX card, SSN card, and proof of current address. Despite this, I have not received any communication or account access. I am requesting immediate access to my account and confirmation that my identity has been verified.

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