vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: CarMax, Inc.
State: GA

Complaint narrative:
On XX/XX/year>, I took delivery of a vehicle from CarMax under the understanding that my financing had been approved. I had completed the prequalification process with a co-signermy auntand received an email confirmation indicating that I had been approved for financing. I proceeded to sign all required documents electronically and in person at the XXXX, GA location. Additionally, as part of this transaction, I traded in my previous vehicle, a XXXX, which was surrendered to CarMax that same day for XXXX. 

At no point was I informed that financing had not been finalized, nor was there any indication that there were outstanding issues with the transaction. Based on the documentation provided, the vehicle approval, and the trade-in being accepted, I had every reason to believe the deal was complete and valid. 

On XX/XX/year>, I received a call from XXXX, a CarMax employee at the XXXX location. He informed me that the vehicle I had purchased had never been properly placed on hold by another associate, and as a result, it was deleted from their internal system. This was the first time I was made aware of any issues with the deal or vehicle status. 

In an effort to clarify and correct the situation, my aunt and I went through the prequalification process again. Despite this, on XX/XX/year>, I received an official credit denial letter from CarMax Auto Finance. This was extremely alarming, as I was already in possession of the vehicle, had turned in my previous car, and had signed binding documentation indicating that financing had been secured. 

I have since requested : A full and detailed explanation of why the loan was denied after an initial approval with a co-signer Clarification on how I was allowed to take delivery of the vehicle and surrender my trade-in without finalized financing An update on the status of the documents I signed and what legal or financial obligations I now hold An immediate resolution to the confusion, including potential reinstatement of the original loan terms or reversal of the deal As of today, I have not received a satisfactory response or resolution. The lack of transparency and serious internal miscommunication on CarMaxs part has created unnecessary emotional distress, financial uncertainty, and possible harm to my credit. I am requesting a full investigation and a written explanation from both CarMax and CarMax Auto Finance regarding this matter.

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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Charged-Off Account Account No. 

To Whom It May Concern : I am writing to formally dispute the accuracy of information reported on my credit file regarding the above-referenced account with XXXX XXXX. According to my records and the information reported, this account is marked as charged off with a written-off amount of {$11000.00}. However, this debt was resolved, and the balance is shown as 100 % paid off in full. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information. This account should not reflect both a charge-off and a paid-in-full status simultaneously. I request immediate verification and correction of this accounts status on my credit report. 

Additionally, please provide : Proof of the accounts original balance, payments made, and final balance Documentation showing the transfer or sale of this account to Jefferson Capital Systems, if applicable Chain of title or assignment documentation validating Jefferson Capital Systems legal right to collect If this account has been paid in full, I request that both XXXX XXXX and Jefferson Capital Systems update all reporting bureaus to accurately reflect a Paid in Full status with a {$0.00} balance and remove any negative charge-off notation. 

Please investigate this matter and respond in writing within 30 days as required under the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely,

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXXi ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

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 status incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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:
This letter is a formal request to address and correct a late payment inaccurately recorded on my credit report. The listing in question is both incorrect and misleading, as I have consistently met my payment obligations in a timely manner. This erroneous reporting not only violates the principles of fair and accurate credit reporting under the Fair Credit Reporting Act ( FCRA ), but it has also caused significant emotional distress and damage to my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Date : XX/XX/XXXX To : LVNV Funding LLC XXXX XXXX XXXX XXXX, SC XXXX Subject : Demand for Validation and Removal of Alleged Collection Account Account No. XXXX Dear XXXX Funding, I am writing to formally dispute the validity of a debt you allege I owe. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to demand full and proper validation of this account before any further collection activity is taken or continued. 

Account Number : XXXX Alleged Balance : {$960.00} REQUIRED LEGAL VALIDATION DO NOT SEND JUST A BILL You are not permitted to send a previous statement or invoice from the original creditor as validation. That does not satisfy federal law. 

Per 15 U.S.C. 1692g, 1692c, 1681b ( a ) ( 2 ), and 1681e ( b ), you are required to provide : A copy of the original signed agreement or contract with the original creditor bearing my signature. 
A full chain of title or assignment, proving XXXX XXXX legally owns this debt. 
Proof I was notified that this debt was transferred or sold to your company. 
A complete itemized breakdown of how the alleged {$960.00} balance was calculated. 
Proof of permissible purpose to report this account under 15 U.S.C. 1681b.

Confirmation that your reporting is 100 % accurate and verifiable, as required under 15 U.S.C. 1681e ( b ).

CEASE AND DESIST NOTICE Until this debt is validated with the documentation above, you must : Stop all collection activity immediately. 
Cease reporting this account to any credit reporting agencies. 
Remove this account from my credit file if you can not fully validate it. 
If you do not comply, I will escalate this issue by filing formal complaints with the CFPB, FTC, and the Illinois Attorney Generals Office. I also reserve the right to pursue legal action for damages under federal law. 

This letter serves as your legal notice. Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: SC

Complaint narrative:
Good morning, afternoon, evening I XXXX XXXX contacted Chime on XX/XX/year> to submit a dispute, was unable to due to charges not being settled and was told to call back once they were settled, I then called on XX/XX/year> to submit a dispute on the settled charges listed below, the dispute was denied on XX/XX/year>. Dispute was reopened on XX/XX/year>, and denied again on XX/XX/year>. My chime card was used for wego ( XXXX charges of {$130.00} and XXXX for {$130.00} ) which helps users search and compare flights, hotels, and other travel deals across numerous airlines, hotels, and online travel agencies. They have a significant presence in the XXXX XXXX and XXXX XXXX ( XXXX ) region. I have never had this app on my phone before. This app does not require you to login Ive tried to create an Account other than a email address as pictures will show I have never had this app or any confirmation emails from them about me paying or authorization of a payment for anything. My card was in my purse which was not stolen and was home with me at XXXX XXXX XXXX, I live in XXXX SC XXXX, I work from home for XXXX claims through XXXX so I wake up at XXXX. Take my kids to school and return home to work from home XXXX. Until XXXX. My kids have to be picked up at XXXX. So their father brings them home while Im still working. My card was supposed to have a subscription payment come out which didnt come out this month because my card was locked, I had to unlock it and the payment still never came out because I had to report my card lost or stolen for me to get a new one, this has happened to me XXXX times and its really frustrating. I have as many pictures that I can provide as possible to show that I did not use my card for this and that I live in XXXX, sc and never used XXXX for anything. I also tried to contact the number for wego XXXX XXXX XXXX XXXX and it doesnt ring it just ends the call. I have XXXX kids and really need my money back. Thank you, XXXX XXXX XXXX

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 — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no XXXX party involved. Please review the uploaded letters.

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: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I discovered that Early Warning Services is reporting accounts in my name that I did not open or authorize. I am a victim of identity theft. These fraudulent accounts are affecting my ability to open or manage bank accounts. I have already filed an FTC identity theft report and mailed a dispute directly to Early Warning Services, but the information is still being reported. I am requesting CFPB assistance in removing these fraudulent accounts under FCRA XXXX U.S.C. XXXX XXXX.

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 status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I submitted a formal dispute to TransUnion on XX/XX/year>, identifying multiple inaccurate and unverifiable accounts, including charge-offs and collections. TransUnion responded with the remark : meets FCRA requirements but did not provide any Method of Verification as required under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ).

I also received no mailed response or documentation. To date, I have not received any evidence verifying these accounts, such as signed agreements, account histories, or proof of debt ownership from third-party collectors.

I believe TransUnion is violating : FCRA 1681i failure to reinvestigate thoroughly FCRA 1681e ( b ) failure to ensure accuracy FCRA 1681s-2 ( b ) furnishers duty to verify disputed info FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) failure to provide Method of Verification I am requesting immediate deletion of the following unverifiable accounts, and written confirmation : XXXX XXXX XXXX {$1600.00} XXXX XXXX {$900.00} and {$720.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX620.00XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXk {$620.00} XXXX XXXXXXXX XXXX XXXX XXXX  {$180.00} XXXXXXXX XXXX XXXX XXXX {$2700.00} Bankruptcy reporting unverifiable through court ( XXXX ) I am requesting full investigation results, mailed documentation if any, and removal of all unverifiable data. If not resolved promptly, I will escalate to the FTC and Texas Attorney General.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation