vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 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: AZ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act XXXX XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: NH

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA.

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 2025-09-23 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint regarding serious and harmful inaccuracies being reported on my credit file. The information being furnished by multiple creditors and reporting agencies is false, misleading, and damaging to my credit reputation. Despite no valid basis, my report reflects erroneous addresses, late payments on accounts with {$0.00} balances, improper collection activity, and unauthorized inquiries. These violations are in direct conflict with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Below are the specific inaccuracies I am disputing : Wrong Address Reporting XXXX XXXX XXXX XXXX  XXXX, MI XXXX This is not and has never been my residence. 

False Late Payments XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$0.00} Incorrect late payment reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$0.00} Incorrect late payment reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance {$0.00} Incorrect late payment reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$38.00} Incorrect late payment reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$140.00} Incorrect late payment reporting. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$1000.00} Incorrect late payment reporting. 

Improper Collection Reporting XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$150.00} This account is reported as a collection without proper validation. 

Unauthorized Inquiry XXXX Dated XX/XX/XXXX This inquiry was not authorized by me and should be removed immediately. 

These inaccuracies are clear violations of : FCRA 602 ( A ) : Right to fair and accurate credit reporting. 

FCRA 607 ( B ) : Obligation to follow reasonable procedures to assure maximum accuracy.

FCRA 609 & 611 : My right to dispute and obtain verification of inaccurate information. 

FCRA 623 : Furnishers duty to report information accurately. 

These false entries are causing me financial and reputational harm, including reduced credit opportunities, higher interest rates, and emotional distress. 

DEMAND FOR RELIEF I am demanding the following corrective actions : Immediate deletion of the wrong address. 

Permanent removal of all false late payment notations. 

Deletion of the unvalidated collection account. 

Removal of the unauthorized XXXX inquiry. 

Written confirmation that these corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: WI

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$20000.00} INQUIRIES : XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Notified by mail, Transunion was breached and my PII ( DOB, SSN ) exposed on the XXXX XXXX XXXX web. Also notified by 3rd party security provider. 

They are to provide a free credit monitoring service via their group, mytrueidentity.com. 

After a week of trying to call ( only way to contact ), they don't answer and when leave a call back number, never call back. 

I then went directly to Transunion ( XXXX ) and same setup, no emails, only phone number in which is never answered ( High call volume ) then no call back.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I received an email from PayPal Credit that they had upgraded me to a new XXXX. When I told them I never requested nor consented they said they sent me notice they were going to do this and I did not respond. I did not request nor consent so I am not obligated to respond to anything. I have asked PayPal to return my account the way it was before.

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 2025-09-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/year> - Purchase of XXXX XXXX XXXX XXXX XXXXXXXX on XXXX {$1400.00} XX/XX/year> - Returned defective item to XXXXXXXX XXXX XXXX XXXX XXXXXXXX via XXXX XXXX  ( see attachment ) XX/XX/year> - XXXX delivery confirmed to XXXX XXXXXXXX XXXX XXXX  XXXX  via XXXX tracking history ( see attachment ) XX/XX/year> - Inquiry regarding refund for defective purchase with XXXX XXXX XXXX XXXX XXXX via XXXX messaging center. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX  XXXX confirmed return receipt of the defective XXXX XXXX XXXX XXXX on XX/XX/year>. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX authorized XXXX Synchrony Store Card to issue full refund in the amount of {$1400.00}. 
XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Store Card to issue full refund in the amount of {$1400.00}. 
XX/XX/scrub>XXXX XXXX  Opened dispute XXXX XXXXXXXX with XXXX Synchrony Store Card in the amount of {$1400.00} for a defective item returned to seller and non-receipt of credit fo r {$1400.00}. 
XX/XX/scrub>XXXX XXXX Synchrony Bank Dispute XXXX XXXXXXXX uploaded proof of UPS return delivery to XXXX XXXX Great Price Tech and authorization for XXXX to issue a full refund. 
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX authorized XXXX Synchrony Store Card to issue full refund in the amount of {$1400.00}. 
XXXX XXXX Uploaded to XXXX  Synchrony Bank proof of UPS return delivery to XXXX XXXX XXXX XXXX XXXX and authorization for XXXX to issue a full refund. 
XXXX - Re-Uploaded to XXXX  Synchrony Bank proof of UPS return delivery to XXXXXXXX XXXX XXXX XXXX XXXX and authorization for XXXX to issue a full refund.

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 monetary relief
Consumer complaint received 2025-09-23 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

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 2025-09-23 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: ME

Complaint narrative:
I have reached out to Experian to correct inaccurate personal information and account data on my credit report. This includes removing : incorrect or outdated telephone numbers, inaccurate or obsolete addresses, potentially fraudulent or mis-attributed accounts, Experian has not corrected the following information : XXXX. Incorrect Name XXXX. Incorrect Addresses XXXX. Incorrect Phone Numbers

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
This creditor has engaged in abusive, deceptive, and unfair practices prohibited under the Fair Debt Collection Practices Act ( FDCPA ). Per 15 U.S. Code 1666b, I did not receive a billing statement at least 21 days before the reported late payment, which qualifies as a billing error. Also, under XXXX U.S. Code XXXX ( a ), if a finance charge is assessed, it represents the full cost of creditincluding all feesmeaning a late payment can not lawfully be assessed on an already-paid balance. Penalizing me in this way violates federal 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER 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 explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Carvana Group, LLC
State: NJ

Complaint narrative:
On XX/XX/year>, I executed and returned a signed purchase agreement with Carvana for a vehicle. Carvana accepted the agreement, processed my payment, and provided a scheduled delivery date of XX/XX/year>. 

After payment approval, I was instructed to complete tender via cashiers check. On XX/XX/year>, I sent a {$96000.00} cashiers check to Carvanas Treasury XXXX office in XXXX, AZ. On XX/XX/year>, at XXXX XXXX MST, Carvana signed for and received this check ( XXXX Tracking # XXXX, Proof of Delivery available ). 

Despite being in receipt of full and excess tender, Carvana has since refused to deliver the contracted vehicle. Instead, I have received repeated boilerplate denials claiming they could not verify certain information. These denials were sent both before and after Carvana physically signed for and received my cashiers check. 

I repeatedly requested clarification, including : Which information was unverifiable. 

What reports or procedures were used to justify the denial. 

Whether an adverse action notice would be issued if third-party credit or identity data were involved. 

Carvana has not provided any of this information. Instead, they have continued to refuse delivery while holding my funds.

This constitutes breach of contract and bad faith refusal to perform under the Uniform Commercial Code, specifically : UCC 2-301, 2-507, and 3-602 ( sellers duty to deliver upon tender of payment ).

UCC 2-610 ( anticipatory repudiation ).

UCC 1-304 ( duty of good faith ).

I have also bound insurance on this vehicle in reliance on Carvanas acceptance, incurring additional costs.

Company response to consumer: Closed with explanation