vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
i am a victim of identity theft and i am disputing these fradulent accounts that were added to my credit report without my knowlwdge. i believe they were a result of the equifax data breach in which my personal information was compromised. the following accounts are being reported inaccurately please investigate and permentaly remove. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$2100.00} I have submitted a identity theft report and am invoking my rights under the FRCA 15 U.S.C. 1681c-2 which requires that all fraudelent accounts be blocked from my credit file with a valid report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: LA

Complaint narrative:
i am a victim of identity theft and i am disputing these fradulent accounts that were added to my credit report without my knowlwdge. i believe they were a result of the equifax data breach in which my personal information was compromised. the following accounts are being reported inaccurately please investigate and permentaly remove. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$2100.00} I have submitted a identity theft report and am invoking my rights under the FRCA 15 U.S.C. 1681c-2 which requires that all fraudelent accounts be blocked from my credit file with a valid 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 explanation
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am reporting inaccurate credit reporting by XXXX on my XXXX XXXX account. Experian is showing a XXXX late for XX/XX/year>, while XXXX  is XXXX a XXXX late for the same account and month. This violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information. Ive requested correction, but it remains unresolved. This is materially affecting my credit and I am requesting that the late payment be removed or corrected across all bureaus.

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 2025-06-11 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: CA

Complaint narrative:
I am reporting inaccurate credit reporting by XXXX on my XXXX XXXX account. Experian is showing a XXXX late for XX/XX/year>, while Equifax is XXXX a XXXX late for the same account and month. This violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information. Ive requested correction, but it remains unresolved. This is materially affecting my credit and I am requesting that the late payment be removed or corrected across all bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: CA

Complaint narrative:
I am reporting inaccurate credit reporting by XXXX on my XXXX XXXX account. XXXX is showing a XXXX late for XX/XX/2025, while XXXX is XXXX a XXXX late for the same account and month. This violates FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate and consistent information. Ive requested correction, but it remains unresolved. This is materially affecting my credit and I am requesting that the late payment be removed or corrected across all bureaus.

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 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: MI

Complaint narrative:
Account XXXX XXXX XXXX XXXXXXXX, I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail, with receipts, displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will proceed to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CBC Companies, Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this formal complaint as a verified victim of identity theft. There is a fraudulent eviction listed in public records and disseminated by consumer reporting agencies and third-party tenant screening databases without my authorization or connection. 

The eviction is tied to the following : Case Number : XXXX Filed : XX/XX/XXXX Court : Justice of the Peace Precinct # XXXX, XXXX XXXX XXXX TX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed : XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX never lived at that address, had no rental relationship with the plaintiff, and had no involvement in this case. This fraudulent public record has been used to harm me by companies including XXXX, CoreLogic XXXX, XXXX XXXXXXXX, Innovis, XXXX, XXXX, and XXXX, all of whom have either stored, shared, or reported this data. 

I filed a police report in XX/XX/XXXX and an FTC Identity Theft Report confirming I am a victim of identity theft. I also submitted these materials directly to XXXX and others. However, the record remains. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Section 605B ( 15 U.S.C. 1681c-2 ) which requires blocking of identity theft data within 4 business days Section 611 ( 15 U.S.C. 1681i ) which mandates reinvestigation of disputed information Section 1681s-2 ( a ) which prohibits the reporting of information known to be inaccurate Further, courts do not verify consumer identity, so any third party like XXXX or XXXX can not claim the court validated my connection. Disseminating this unverified data is unlawful. Cases like XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) and XXXX v. XXXX & XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) affirm the legal consequences of negligent reporting and failure to block identity theft-related data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: BELMONT FINANCE LLC
State: CT

Complaint narrative:
Belmont financial failed to submit proper paperwork to cancel contract. They put me passed the date when I was told they would handle it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NC

Complaint narrative:
From XXXX I have had problems with my banking and cash app transactions a form of scam missing funds and my social security number of XXXX has been breached and attached to email address and phones numbers I no longer have access to my date of birth is XXXX. My address is XXXX XXXX XXXX, XXXX, XXXX my only phone number is XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: NC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-11 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: NC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-06-11 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-11 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item.

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-11 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: WI

Complaint narrative:
I am reporting XXXX XXXX XXXX for inaccurate and misleading credit reporting practices. 

This account was charged off and closed on XX/XX/XXXX. However, XXXX continued to report it as a charge off multiple times in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX which is not legally allowed. A charge off is a one-time event, and repeating it inflates the negative impact on my credit. 

To make matters worse, the debt was sold to a collection agency in XXXX, yet XXXX continued to report a balance, which I disputed with Experian on XX/XX/XXXX. Despite this, no correction was made. 

Additionally, the account appears under incorrect name variations such as XXXX XXXX and XXXX XXXX, even though I provided my valid government-issued ID with the correct legal name : XXXX XXXX XXXX XXXX 

These reporting errors violate the Fair Credit Reporting Act ( FCRA ). They are damaging my credit unfairly and misleading potential creditors. Since the data reported is both inaccurate and duplicative, I am not asking for a correction I am asking for complete deletion of this account from my credit report. 

Please investigate and require XXXX to remove the account entirely.

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 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc.
State: IL

Complaint narrative:
I purchased a used vehicle from CarMax in XXXX XXXX, Indiana, on XX/XX/year>. The vehicle was originally financed through XXXX XXXX, though I believe CarMax may have since assumed the financing. From the outset, there have been serious issues affecting both the legality of the transaction and my ability to lawfully operate the vehicle. 
First, due to a title error caused by CarMax, the Indiana XXXX XXXX XXXX XXXX ( XXXX  ) has informed me that the vehicle is still titled in CarMaxs name. As a result, I am unable to renew the registration, making it illegal to drive a vehicle I am actively making payments on. I have made multiple attempts to resolve this issue with CarMax over the past year, but I have received no meaningful response or resolution. Consequently, I have temporarily withheld payments until this matter is corrected.

Second, the sales contract I received fails to disclose the Annual Percentage Rate ( APR ) or total finance charges, as required under the federal Truth in Lending Act ( TILA ). While the documents do state the amount financed and the monthly payments, there is no breakdown of the cost of financing or the APR. I have contacted both CarMax and XXXX XXXX regarding this issue, but neither has provided the missing disclosures or any explanation. 
These issues raise serious concerns about possible violations of both consumer protection laws and lending regulations. I am requesting an immediate investigation into both the title defect and the apparent failure to comply with TILA disclosure requirements. 
Attached are the purchase documents I received. Thank you for your time and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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:
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. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-11 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: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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