vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 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:
Consumer Financial Protection Bureau I am filing this complaint because my credit report contains multiple inaccurate, unverified, and unauthorized items that are harming me. The credit bureau has failed to ensure accuracy or properly verify these accounts, an address, and an inquiry. I am requesting a full CFPB investigation and deletion of all unverifiable information. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Laws Used FCRA 602 ( A ) accuracy requirement FCRA 607 ( B ) reasonable procedures FCRA 611 ( a ) reinvestigation requirement Story This address is not mine and has never been associated with me, making it inaccurate and unverifiable. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Chargeoff Laws Used FCRA 602 ( A ) accuracy requirement FCRA 607 ( B ) verification procedures FCRA 611 ( a ) reinvestigation FDCPA 807 false reporting Story I have no knowledge of this account and never opened it, making the charge-off invalid and harmful. 

XXXX XXXX XXXX XXXXXXXX Open Date : XX/XX/XXXX Balance : {$5400.00} Chargeoff Laws Used FCRA 602 ( A ) accuracy requirement FCRA 607 ( B ) verification requirement FCRA XXXX ( a ) reinvestigation FDCPA 807 misleading reporting Story I do not recognize this auto account and have never had any loan with this lender, so it must be removed. 

XXXX XX/XX/XXXX Laws Used FCRA 604 ( a ) ( 3 ) permissible-purpose rule FCRA 607 ( B ) verification requirement FCRA 611 ( a ) reinvestigation Story I did not authorize this inquiry and had no credit interaction with this company. 

I request that CFPB require the credit bureau to provide full verification or delete these inaccurate items immediately.

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 2025-12-05 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: SC

Complaint narrative:
I am filing this complaint to report serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to inaccurate, unauthorized, and unverifiable information reporting on my Experian, Equifax and TransUnion credit report. My file contains personal information that is not mine, multiple hard inquiries for which no permissible purpose exists, fraudulent or unverified collection accounts, and inaccurately reported charge-off accounts that continue to cause significant financial harm. Despite my disputes, these items remain on my credit report without proper validation. I have also been impacted by multiple nationwide data breaches, increasing the likelihood of identity misuse and mixed-file reporting. I have formally requested documentation, including signed contracts, billing statements, and proof of permissible purpose, yet the inaccurate information continues to be reported without lawful verification. These actions violate FCRA 605B, 607 ( b ), 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ), as well as FDCPA 807809. I am requesting immediate regulatory intervention to require full reinvestigation, deletion of all unverifiable and unauthorized information, and written confirmation that my credit file now reflects only accurate, legally verifiable data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am filing this complaint to report serious violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) related to inaccurate, unauthorized, and unverifiable information reporting on my Experian, Equifax and TransUnion credit report. My file contains personal information that is not mine, multiple hard inquiries for which no permissible purpose exists, fraudulent or unverified collection accounts, and inaccurately reported charge-off accounts that continue to cause significant financial harm. Despite my disputes, these items remain on my credit report without proper validation. I have also been impacted by multiple nationwide data breaches, increasing the likelihood of identity misuse and mixed-file reporting. I have formally requested documentation, including signed contracts, billing statements, and proof of permissible purpose, yet the inaccurate information continues to be reported without lawful verification. These actions violate FCRA 605B, 607 ( b ), 609 ( a ), 611, and 623 ( a ) ( 1 ) ( A ), as well as FDCPA 807809. I am requesting immediate regulatory intervention to require full reinvestigation, deletion of all unverifiable and unauthorized information, and written confirmation that my credit file now reflects only accurate, legally verifiable data.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kikoff Inc.
State: VA

Complaint narrative:
Kikoff Lending is furnishing inaccurate and misleading information to the credit bureaus regarding a closed account. The account was closed several years ago. I made a one-time payment on XX/XX/year> to satisfy the balance. Instead of updating the account correctly, Kikoff reported : A new Last Payment Date, A new Date Updated, A status of Paid Charge-Off, Activity that falsely appears to be recent negative information. 

This is materially misleading because the account was already closed, and the payment does not restart delinquency timelines or authorize new derogatory dates. 

Kikoff furnished information that violates : FCRA 623 ( a ) ( 1 ) ( A ) reporting information known or should be known to be inaccurate. 

FCRA 607 ( b ) maximum possible accuracy requirement. 

CFPB guidance prohibiting re-aging or updating closed accounts in a misleading manner. 

Metro-2 standards, which prohibit adding new status dates or creating the appearance of new derogatory activity on a closed charge-off. 

The bureaus are now reporting this account as if negative activity occurred recently, which is false and damaging to my credit. 

Because of Kikoffs inaccurate reporting : My score dropped Lenders believe I have new derogatory activity The account appears fresher and more serious than it actually is My creditworthiness is negatively affected This reporting is misleading and materially inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 seven years.

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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have reached out numerous times to my disbelief and discuss and discouragement with Equifax regarding negative accounts which are completely fraudulent due to identity, theft, and multiple Equifax data breaches as well as Transunion as well as Experian and their numerous data breaches and the identity theft that is taken place. I have struggled with this identity theft over the last three years, trying to replace the pieces of my life, during this period of time I have begin a journey on understanding the fair credit reporting act as well as the fair debt collection practices act, and in that I see numerous violations do and committed egregiously by Equifax and Transunion. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is my final warning. I asked that the consumer financial protection bureau do everything in his power to help me to eradicate These fraudulent and misled issues with my data by Equifax and Transunion, the other perpetrators, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I am not a ( Credit Repair company. ) I am not a ( Credit Repair consultant. ) I am very well-versed in the laws and Ive given sworn testimony to this that the. VIOLATIONS FCRA/ Fair Debt Collection Practices Act ) ) -15 USC 1692c ( b ) 15 U.S. code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies. 15 U.S. code 1681a ( 2 ) ( 1 ), 15 U.S. code 1681 ( 3 ) ( e ), 15 U.S. code 16811 - procedure in case of disputed accuracy, 15 U.S. code 1681b -Permissible purposes of consumer report. H.R. 3046 Social Security number privacy and identity Theft Prevention Act of 2007. Section 326 of USA PATRIOT Act. Gramm- leach-Bliley Act.Im requesting under the 15 USC 1681B c-2 that information that has been procured from identity theft be blocked completely blocked. NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT This is also a ( CEASE and DESIST ) of, the fraudulent accounts to being reported and any reporting is as such as collection activities. This is my second CFPB complaint with Equifax about the accounts ( Under 15 U.S. Code 1605 ( a ), if a finance charge was included, there should be no late payments on this account.15USC 1681a ( 2 ) ( I ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section ( 1681s3 ) of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report INQUIRES ) EQUIFAX, EXPERIAN AND TRANSUNION-

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Cash Time Title Loans, Inc.
State: AZ

Complaint narrative:
My name is XXXX XXXX and I recently just found out my vehicle was repossessed. After dealing with my father 's untimely passing I just realized my vehicle was repossessed about a month ago. I contacted the title loan company to try to get my possessions back and was told they already threw it away and the vehicle has already been sold and auctioned. Now with me being out of town for my father 's funeral and everything I still needed to get my stuff. I never received notification by mail that the vehicle was repossessed or auctioned.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: IL

Complaint narrative:
XXXX Added documentation from XXXX Update due to unauthorized information arriving to my home on a new fraudulent account. We had an extremely long recording with Discover on both accounts along with Discover 's management team admitting that Discover opened accounts fraudulently beyond their allotted 45 day provisional credit guidelines per their false 0 % fraud liability statements. While XXXX was on an authorized recorded call through XXXX phone transfers, numerous " XXXX '' transfers where XXXX asked numerous times why that would even happen. Our call lasted for almost XXXX hours where numerous department supervisors started that credits were approved and issued as fraud with no complaints or objections, then recharged with no explanation. Fraud disputes removed, and then tagged as Past Due once Discover themselves created fraudulent accounts not authorized by me. They even confirmed in the recording with XXXX on both accounts credit card accounts had the incorrect phone number and incorrect email addresses, previous security code had been changed, and verification codes were never sent to me. One was mentioned that they got a verification approval from phone number XXXX. It was also noted that a number of these purchases were made by an XXXX XXXX XXXX or a click and pay. All in which we explained was not possible since I have never owed any of these items. We have let XXXX know that we will be getting a subpoena for the almost XXXX hour recorded conversation, which ended when Discover hung up on the XXXX representative because she stated that " I've probably given you way more information than I should. '' This company needs stopped with taking money from victims. This is horrible, and I am grateful that XXXX  's XXXX restoration specialists was able to hear exactly what we go through every time we have attempted to resolve anything. No wonder we have lost our existence. They aren't even using my phone number or my email address to communicate anything with the actual XXXX XXXX. XXXX gave us instructions on how to get a copy of this recorded conversation. She was shocked and highly frustrated with Discover and their practices. We will pass this along to XXXX once we have our ordered subpoena. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: IL

Complaint narrative:
I am disputing the accuracy and handling of an auto loan with XXXX XXXX. 
My vehicle was involved in a not-at-fault accident. The other driver was uninsured and caused over {$11000.00} in damage. XXXX XXXX  failed to properly assist with the insurance claim process and did not provide accurate or timely payoff information. 

As a result, they charged off the loan and reported negative, inconsistent information to XXXX. I am requesting that the CFPB investigate XXXX XXXX  for improper loan servicing, failure to assist with an uninsured motorist claim, and inaccurate credit reporting. 

I want the charge-off removed from my credit report and the account corrected because the lender mishandled the situation and is reporting incorrect information. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I respectfully request the immediate removal of the inaccurate item from my credit report, as it does not pertain to me and is entirely incorrect.

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 2025-12-05 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:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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 respectfully request the elimination of this erroneous account from my credit report as I did not authorize its creation and it is not mine. Attached are the supporting documents confirming my claim.

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 2025-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Block, Inc.
State: ID

Complaint narrative:
They contacted me with an offer for a XXXX loan. They put money in my bank account I transferred it to my cash app account and they charged my cash app account. Then they continued to make deposits totaling {$2400.00}, but the XXXX XXXX deposits were not real. So the money they charged my cash app account came outta my personal account and the deposits were not real. I lost so far a total of {$950.00} and the new bank account has a charge against it for {$970.00} that has happened tonight.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: NV

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE XXXX  % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-05 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: IN

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: IN

Complaint narrative:
Please correct/update this inaccurate information on 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 non-monetary relief
Consumer complaint received 2025-12-05 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:
Kindly inspect the materials sent ; the questions arrived with no prior alert and may not be validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: GA

Complaint narrative:
The court granted the plaintiff possession only with no monetary compensation awarded they waited 3 months after the case was dismissed and put it on my credit refusing to delete

Company response to consumer: Closed with explanation