vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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 am formally disputing several inaccurate, unauthorized, and unverifiable entries on my XXXX  credit report. These errors are causing significant harm and must be corrected immediately. Under the Fair Credit Reporting Act ( FCRA ) 1681i, you are required to conduct a full reinvestigation and remove or correct all items that can not be verified with proper documentation.

WRONG / UNAUTHORIZED ADDRESSES ( REMOVE IMMEDIATELY ) These addresses do not belong to me and must be deleted : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Wrong Address These are clear reporting errors and must be removed under FCRA 1681e ( b ).

LATE PAYMENT ACCOUNTS ( HISTORY IS WRONG I HAVE NEVER BEEN LATE ) These accounts are reporting false late payments. I dispute the accuracy and demand full correction of the payment history : XXXX XXXX XXXX XXXXXXXX, Opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX, Opened XX/XX/XXXXXXXX XXXX XXXX, Opened XX/XX/XXXX I never made any late payments on these accounts. The reported delinquencies are factually incorrect and must be updated to reflect accurate on-time history.

CHARGE-OFF ACCOUNTS ( NO KNOWLEDGE DELETE ) These accounts are not mine, unknown to me, and can not be verified. Remove completely : XXXX XXXX XXXX XXXXXXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX I have no knowledge of these accounts. Delete them immediately under FCRA 1681c-2 ( a ).

COLLECTION ACCOUNTS ( NOT MINE DELETE ) These collection entries are unfamiliar and unauthorized : XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Opened XX/XX/XXXX I have no knowledge of these debts. Delete them immediately for failure to verify. 

UNAUTHORIZED INQUIRIES ( REMOVE IMMEDIATELY ) I did not authorize the following hard inquiries. They are fraudulent and must be deleted : 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 Under FCRA 604, unauthorized inquiries must be removed.

REQUIRED ACTIONS I demand : Removal of all wrong addresses Correction of all incorrect late-payment histories Deletion of all charge-off and collection accounts I have no knowledge of Removal of all unauthorized inquiries A written response confirming the reinvestigation results If any item can not be 100 % verified with original documentation, you must delete it immediately.

Failure to comply will result in a CFPB complaint and further legal action as permitted by federal law.

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

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 2025-11-14 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: MA

Complaint narrative:
I am writing to dispute the following accounts on my Experian credit report. I have been the victim of my personal information being exposed due to several data breaches, and I request a thorough investigation into the accuracy of the following accounts : Charged Off Accounts DEPTEDXXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$22000.00} Inquiries XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  - Date : 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: TN

Complaint narrative:
This account was bought by my Credit Union XX/XX/year> from CarMax and it's showing paid and closed. I would like for this to be remove from my report. It is showing past due amounts and I pay my payment direct deposit to my credit union ( XXXX XXXX XXXX XXXX XXXX ). I have disputed this several times and no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
I am writing to dispute certain items on my TransUnion credit report that I believe are inaccurate or incomplete. Below are the accounts that I believe require further investigation : Charged Off Accounts : XXXX  XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} Inquiries : XXXX, Date : XX/XX/XXXX Late Payments : XXXX, Account Number : XXXX XXXX, Account Number : 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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: MI

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Cease and Desist Letter Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> To : CREDIT COLLECTIONS XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Cease and Desist Removal of Account Information from Credit Report Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear CREDIT COLLECTIONS, I am formally requesting that you cease all collection activities and remove any and all information related to the above-referenced account from my credit reports with XXXX XXXX and XXXX. 

This account is disputed and inaccurate. Under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692c ( c ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, you are required to ensure that any information you furnish is accurate and verifiable. 

You have failed to provide proper validation of this debt. Continuing to report unverifiable or inaccurate information constitutes a violation of federal law. 
Demand : Immediately delete all references to this account from any credit reporting agencies. 
Confirm in writing that you have complied with this request within 15 days. 

Failure to comply will result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

This letter serves as your notice to cease all communication except to confirm compliance. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my Experian credit report. Below are the details of the accounts in question : Charged Off Accounts XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$21.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$80.00XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$340.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Inquiries : XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX Late Payment : XXXXXXXX XXXX  Account Number : 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 2025-11-14 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: NC

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 2025-11-14 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: GA

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under 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 2025-11-14 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: TX

Complaint narrative:
Experian reported an account from XXXX XXXX XXXX that I do not recognize and for which no contract or proof of ownership has ever been provided. The account contains inaccurate balance history, inconsistent dates, and Metro-2 formatting errors. Experian marked my dispute as updated even though nothing changed, and their system returned an error ( balance history soft deleted ) preventing a proper reinvestigation. I am requesting full deletion due to inaccurate reporting and failure to reasonably investigate under FCRA 1681i.

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 2025-11-14 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:
Verify that the removal of disputed accounts is completed within legally required intervals.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

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 2025-11-14 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: SC

Complaint narrative:
I am writing to inform you that I have recently encountered a data breach that has compromised my personal information. This incident has caused significant concern regarding the security of my sensitive data. Consequently, fraudulent accounts and debts have been established in my name. I would appreciate your consideration of this matter while reviewing my credit report and urge you to take appropriate actions to rectify any inaccuracies or fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IL

Complaint narrative:
Subject : Dispute of Inaccurate and Incomplete Information Dear Sir/Madam, I am writing to dispute the following accounts that have been inaccurately reported on my credit report. The accounts listed below contain errors that violate the Fair Credit Reporting Act ( FCRA ) due to incomplete or inaccurate reporting. 

Charged Off Accounts : DEPT OF EDUCATIONXXXX XXXXccount Number : XXXX Date : XX/XX/XXXX Balance : {$3500.00} DEPT OF EDUCATION/XXXX  Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX  Account Number XXXX XXXX Date : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXX Date : XX/XX/XXXX Balance : {$7200.00} XXXX XXXX Account Number : XXXX XXXX XXXX XX/XX/XXXX Balance : {$4300.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2025-11-14 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: WA

Complaint narrative:
I am writing to dispute the following accounts on my credit report as they are inaccurate or incomplete. These accounts are being disputed across the three major bureaus : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and TransUnion ( XXXX ). Please find the details below for your reference : Charged Off Accounts XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6200.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$6600.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX - Account XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} Bankruptcy - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXXXXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} Inquiries TU ( TransUnion ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  - Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Late Payment Accounts XXXX - Account Number : 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 2025-11-14 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:
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 2025-11-14 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: NC

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 2025-11-14 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: DE

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: AZ

Complaint narrative:
Require timely removal of disputed accounts as mandated by statutory 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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
On XX/XX/XXXX, I deposited a {$3100.00} in-state check at Bank of America XXXX 
Under Regulation CC 229.10 ( c ) ( 1 ) ( vii ), the full amount must be available by the 2nd business day XX/XX/XXXX. 
BoA applied a doubt collectability hold until XX/XX/XXXX XXXX business days past the legal deadline. 
No exception applies : amount < {$6700.00}, account not new, no fraud risk. 
Violation : Excessive hold, no justification. 
Remedy requested : Immediate release of {$3100.00} + interest from XX/XX/XXXX + reimbursement of any fees. 
Evidence : Deposit receipt, hold notice, live chat transcript ( attached ).

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