vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: CA

Complaint narrative:
This letter serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted XXXX notices. 

Despite my repeated requests, the inaccurate inf " ormation remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. XXXX XXXX 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 explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 ( 4 ) : States I have the right to privacy. Permissible purposes of consumer reports. 15 U.S.C. 1681c : It also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681e : Compliance procedures. 15 U.S.C. 1681g : Disclosure of consumer reports. 15 U.S.C 1681i : Procedure in case of disputed accuracy. 15 U.S.C. 1681s-2 : Responsibilities of furnish information to consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair Credit Reporting act XXXX  Account # XXXX XXXX, Account # XXXX XXXX XXXX XXXX XXXX, Account # XXXX XXXX XXXX. 
Account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 ( 4 ) : States I have the right to privacy. Permissible purposes of consumer reports. 15 U.S.C. 1681c : It also states that a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681e : Compliance procedures. 15 U.S.C. 1681g : Disclosure of consumer reports. 15 U.S.C 1681i : Procedure in case of disputed accuracy. 15 U.S.C. 1681s-2 : Responsibilities of furnish information to consumer reporting agencies.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: NC

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 2025-06-24 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MS

Complaint narrative:
In [ XXXX ] XXXX, I purchased XXXX {$100.00} prepaid gift cards ( totaling {$200.00} ) from a XXXX store. Upon attempting to use the cards, I discovered that neither of them worked. 

I immediately went to the official website, XXXX to activate and check the balance. Each time I entered the card information, I was met with error messages stating that the card number was invalid or could not be verified. 

Over the following days and weeks, I contacted the customer service line multiple times to resolve the issue. During each call, I received inconsistent responses. Some representatives told me that the card numbers were invalid. Others claimed that the balance on the cards was {$0.00}, or that the cards could not be verified at all. At no point was I able to successfully activate or use the cards, and no consistent resolution or clear explanation was provided. 

Despite my repeated efforts, the issue remains unresolved, and I have not received a refund or replacement for the total {$200.00} value of the cards.

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 2025-06-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-24 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kovo
State: TX

Complaint narrative:
KOVO INC XXXX Account type Sales Contract, was open fraudulent without my knowledge or consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UHG, LLC
State: OH

Complaint narrative:
XXXX XXXX XXXX keeps using my address in an attempt to collect a debt that belongs to my ex-husband. I contacted her by registered mail, email, and phone, asking her to stop using my address for debt-related communications and court proceedings. 

My bank informed me that there is a lien on my property tied to my ex-husband 's debt and court case. I sent XXXX a letter requesting that she immediately remove my address from her records and have the XXXX removed. I have not received any response. Recently, I received another letter from the court regarding my ex-husband 's debt case, indicating that XXXX XXXX XXXX has ignored my request to stop using my address. 

I want this harassment by XXXX XXXX XXXX to stop. I am divorced. My ex-husband does not live at my address, and I am not responsible for his debts. My address should not be used in court or in connection with his case. 

Here is XXXX XXXX XXXX 's contact information : XXXX XXXX XXXX, XXXX FL XXXX, XXXX XXXX My ex-husband 's Case Number at XXXX XXXX XXXX XXXX : XXXX Debt owner : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: ID

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX 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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Experian and Transunion are both still continuing to report fraudulent/error item on my credit reports, including addresses and names

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 2025-06-24 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: LA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to TransUnion requesting verification of several inaccurate items listed on my credit report. I received a response on XX/XX/year>, stating that the items I disputed were " verified '' as accurate. 

On XX/XX/year>, I submitted a Method of Verification ( MOV ) request under FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ), formally requesting : The names and contact information of the individuals or entities TransUnion communicated with to verify the disputed information ; The dates and method of communication ; A detailed description of the reinvestigation procedures used ; And a clear explanation of how TransUnion determined the disputed information was accurate. 

In my MOV letter, I also made it clear that if TransUnion could not properly verify the accounts, they were required by law to delete the disputed information from my report. 

As of XX/XX/year>, TransUnion has failed to respond to my MOV and procedures request. This lack of response exceeds the time limits provided under the FCRA for follow-up information related to a dispute and constitutes a violation of federal law. 

Timeline and Supporting Information : Original Dispute Date : XX/XX/year> TransUnion Response Date : XX/XX/year> ( accounts marked verified ) Initial Dispute Tracking Number : XXXX MOV Request Sent : XX/XX/year> MOV Tracking Number : XXXX No response received as of : XX/XX/year> 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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: DE

Complaint narrative:
I am disputing fraudulent collection accounts that have appeared on my credit report. I did not authorize these accounts, nor have I received any services, products, or communication related to them. These collections are not mine, and I believe my personal information may have been used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CarMax, Inc.
State: CA

Complaint narrative:
Re : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX Account Dear Consumer Financial Protection Bureau, I am submitting this complaint to dispute inaccurate and misleading information reported by XXXX regarding an auto loan account listed on my credit report. The following details apply : Creditor Name : XXXX Account Type : Auto Loan Account Status : Closed ( as of XX/XX/XXXXXXXX  ) Reported Balance : {$14000.00} Original Balance : {$21000.00} Date Opened : XX/XX/XXXXXXXX  Last Payment : XX/XX/XXXX Credit Reporting Agency : XXXX  ( others may apply ) Disputed Items : 1. Late Payments 2. Charge-off Status 3. Collection Status 4. Inaccurate Reporting Duration ( post-closure reporting ) Basis for Dispute : I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically the following U.S. Codes : 15 U.S. Code 1681s-2 Information furnishers must provide accurate information and correct inaccuracies promptly. 

15 U.S. Code 1666 ( b ) & 1637 ( a ) Late payments not properly verified should not be reported.

15 U.S. Code 1692 ( g ) & 1692 ( c ) Collection accounts must be validated and properly communicated.

15 U.S. Code 1681 ( e ) & 1681 ( i ) Reinsertion or continued reporting of unverifiable or inaccurate information is prohibited.

15 U.S. Code 1681 ( c ) ( 2 ) Inaccurate derogatory marks must be removed if they can not be verified. 


This account was closed in XXXX, and I dispute the continuing and repeated reporting of derogatory marks years after the last payment without updated validation or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
In XX/XX/XXXX, I opened a revolving charge account with XXXX, which had a credit limit of approximately {$300.00}. I used the account responsibly and maintained a {$0.00} balance with no missed or late payments. 

In early XXXX, the account was closed automatically by the credit grantor due to inactivity not due to any payment issues or defaults. Since then, the account has been reporting differently across credit bureaus. 

Specifically : TransUnion reports the account as " Closed '' with {$0.00} credit limit and {$0.00} high credit, and states it was " Cancelled by grantor. '' Experian reports it as " Paid '' and includes a comment that it was " Closed due to inactivity, '' but also omits key account usage data. 

Equifax reports a {$300.00} high credit but does not clearly list the credit limit or date of last activity. 

The account was never delinquent, and I believe some of the reported information is either incomplete or may negatively impact my credit profile due to inconsistent closure comments or missing data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: SECURITY SERVICE FEDERAL CREDIT UNION
State: TX

Complaint narrative:
No knowledge of any accounts with security service federal credit union

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 2025-06-24 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: TX

Complaint narrative:
I disputed two inquiries on my credit report after trying to contact or find companies. I did not apply for any credit with XXXX or XXXX XXXX. I have tried to find XXXX via internet to no avail and contact XXXX XXXX via phone but do no have an account number to talk with anyone. I want them to remove these inquiries because they are not mine. I have documented fraud on my credit report. I have also disputed the inquiries with Transunion to no avail. Please help me get these fraudulent inquiries removed my credit profile. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
I am writing you about the the Fraudulent use of my social security number due to the Equifax XXXX breach. I believe I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX. The information below, which appears on my credit report, does Not relate to any transactions that I have ever made or inquires. It is the result of identity theft. XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced account. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any account before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the account from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. 

XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
XXXX XXXX, XXXXXXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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