vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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 filing this formal complaint against Experian for its failure to remove inaccurate and unverifiable information from my credit report, despite multiple written disputes and supporting documentation that I have sent. Specifically, the following accounts remain on my credit report even though I have requested their removal due to inaccuracy : XXXX XXXX XXXX XXXX  Opened : XX/XX/year> Account Number : XXXX XXXX XXXX Reported Balance : {$27000.00} XXXXXXXX XXXX XXXX XXXX  Opened : XX/XX/year> Account Number : XXXXXXXX XXXX XXXX Reported Balance : {$25000.00} I submitted dispute letters to Experian requesting an investigation and removal of these accounts, which I believe to be inaccurate. Experian has failed to correct or remove these accounts in a timely or proper manner as required under the Fair Credit Reporting Act ( FCRA ).

This is negatively affecting my credit standing and causing undue harm.

I am requesting the CFPB to investigate this matter and hold Experian accountable for its non-compliance with federal consumer protection laws. I am happy to provide copies of my dispute letters and supporting documentation upon request.

Thank you for your attention to this matter.

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 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MI

Complaint narrative:
On the date of XX/XX/XXXX, my XXXX education award was applied to my loan account, but not to my outstanding loans. I called edfinancial on XX/XX/XXXX and was told it XXXX take XXXX business days and to give it until Friday ( XX/XX/XXXX ). During this time, I learned that my account was not recognized as being in forbearance, though I've had forbearance through XXXX since XX/XX/XXXX. 
When the payment was not applied to the account by the specified time frame, I called back XX/XX/XXXX to check the status. Still, my account was not recognized as being in forbearance and my payment date continued to update daily, not reflecting the payment isn't due until forbearance. I was told on XX/XX/XXXX it might take XXXX business weeks for the payment to be processed. 
I called a third time XX/XX/XXXX. During this call I spoke to management ( XXXX ) who then told me it XXXX take XXXX  months to process the payment that is already in my account. When asked for any more information about why or how it is taking much longer, I was denied. They refused to put me in contact with the loan processors, refused to give me information on outstanding loans ahead of mine or general volume of loans/rate at which loans are generally processed ( just to get a broad idea of when I could expect it to be applied ), and refused to send me a copy of their requests to review my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
As of XX/XX/year> I had set up payment plans for my XXXX Capital One credit card. Capital One took XXXX payments then never acknowledged the payments then illegally without my knowledge charged off my credit card and swifty sold it to XXXX XXXX XXXX for malicious prosecution. Capital One conspired to cause more financial pain and damage to my financial well being and to my overall credit score. Capital One is hand in glove with the illegal tactics used by XXXX XXXX XXXX. I was sued by XXXX XXXX XXXX I send them official correspondence requesting that this debt be validated, however Capital One and XXXX XXXX XXXX conspired and even declined to prove this debt when challenged by myself in California this is a direct violation of Debt Collection laws. In addition Capital One has violated the XXXX XXXX by not establishing proof of the debt and showing payments already made. The total amount I am now being sued for is {$5600.00} which is incorrect since I have already made payments and this is the reason I sent correspondence requesting they show the debt which neither Capital One nor XXXX XXXX XXXX has done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. XXXX seeking that my consumer rights be implemented in the FCRA XXXX XXXX ( XXXX U.S.C. XXXX ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I am writing to affirm that this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These inaccuracies are causing substantial and ongoing harm to my financial stability and overall well-being. 

Given the seriousness of this matterespecially during an already challenging period in my lifeI insist that your office initiate a full and prompt reinvestigation. These errors are creating unnecessary hardship and must be addressed without delay.

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 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Carvana Group, LLC
State: TN

Complaint narrative:
On XX/XX/XXXX, I traded in my vehicle, a XXXX XXXX XXXX, as part of the purchase of my new ( used ) vehicle, a XXXX XXXX XXXX from XXXX. At the time of trade-in, I was informed that XXXX would XXXX off the remaining balance on the loan for the traded vehicle, which was held by XXXX XXXX XXXX At the time of purchase, the agreed-upon total price for the XXXX was {$43000.00} with a trade-in of {$26000.00} on my XXXX. At the time of purchase, the estimated payoff for the XXXX was {$13000.00}. Since the time of purchase, we have contacted XXXX as well as XXXX XXXX multiple times to try to come to a resolution, as we still have the loan for the XXXX active on our account. Since purchasing our new vehicle, we have now made XXXX payments towards the vehicle that is no longer in our possession. XXXX also took longer than usual to send us our registration/plates in the mail. After contacting them, we finally received the plate in the mail ; however, it is registered to the XXXX XXXX. It was supposed to be a XXXX XXXX  plate, which was noted by the associate at XXXX when we went to pick up our new vehicle. While this isn't a huge deal, it is still just another thing that we now have to deal with that should have been handled by XXXX instead of us. 
We continue to hear from XXXX how this is an " internal '' issue with our bank, while at the same time hearing from our bank that they still have yet to receive anything from XXXX to pay off the old loan. We have also been told numerous times by the associates at XXXX that their treasury department has no way of being contacted by customers or even by XXXX employees themselves unless they send them an internal ticket. We have been stuck in this circle with XXXX for XXXX  months now, with no end in sight, as we just received another call from XXXX saying their treasury department " resolved '' our ticket again, saying that this is an issue with our bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AR

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX XXXX. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

XXXX - XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation. However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report. 

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have not supplied proof under the doctrine Estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX Balance {$6000.00}, XXXX Balance {$600.00}, XXXX Balance {$1000.00}, XXXX Balance {$700.00}, XXXX XXXX Balance {$490.00}, XXXX XXXX Balance {$1300.00}, XXXX  Balance {$140.00}, XXXX Balance {$160.00}, XXXX XXXX Balance {$5000.00}, XXXX Balance {$720.00}, XXXX XXXX Balance {$4000.00}, XXXX Balance {$720.00}, XXXX XXXX Balance {$3000.00}, XXXX XXXX Balance {$2000.00}, XXXX Balance {$83.00}, XXXX XXXX XXXX XXXX Balance {$6700.00}, XXXX XXXX XXXX Balance {$91.00}, XXXX XXXX XXXX Balance {$51.00}, XXXX XXXX XXXX XXXX Balance {$410.00}, XXXX XXXX XXXX Balance {$310.00}, XXXX XXXX XXXX Balance {$60.00}, XXXX XXXX XXXX Balance {$760.00} XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/year> and XX/XX/year>, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX pulled my credit report without my authorization and consent. I spoke with them regarding vehicle availability as I am interested in getting a vehicle. I made it clear that I am signing and not authorizing a credit pull/check. 

The finance manager at XXXX XXXX, said it was ok to pull my credit without my consent verbatim.

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 2025-07-17 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: FL

Complaint narrative:
On XX/XX/year> and XX/XX/year>, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX pulled my credit report without my authorization and consent. I spoke with them regarding vehicle availability as I am interested in getting a vehicle. I made it clear that I am signing and not authorizing a credit pull/check. 

The finance manager at XXXX XXXX, said it was ok to pull my credit without my consent verbatim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I am writing to affirm that this complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These inaccuracies are causing substantial and ongoing harm to my financial stability and overall well-being. 

Given the seriousness of this matterespecially during an already challenging period in my lifeI insist that your office initiate a full and prompt reinvestigation. These errors are creating unnecessary hardship and must be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
I am submitting this complaint because a bankruptcy that was previously removed from my credit report has recently been reinserted without any notice, which is a violation of the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 5 ) ( B ).

Specifically, the bankruptcy was removed from my credit report on XXXX XXXX XXXX after a dispute. Recently, I discovered that it has been reinserted on my report, but I was never notified in writing within five business days, as required by law. Under the FCRA, a credit reporting a
gency must notify the consumer in writing within five business days of reinserting any previously deleted information. This obligation was clearly not met.

I have already reached out to the credit bureau ( s ) involved and requested : Immediate removal of the reinserted bankruptcy The name and contact information of the data furnisher who certified the reinsertion The method of verification used to reinsert the account This unauthorized reinsertion has negatively impacted my credit score and caused emotional and financial stress.

I am requesting that the CFPB investigate this matter and ensure that the credit bureau ( s ) involved are held accountable and that the inaccurate item is removed from my credit report.

Thank you for your time and assistance. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft.

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with non-monetary relief