vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: IN

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
Consumer complaint received 2025-04-28 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: CarMax, Inc.
State: UT

Complaint narrative:
I have been getting harassed by a repossession company coming to my personal address where I live in search of a truck I never owned lease or purchased. I gave the repossession company a copy of my police report and explained I had no knowledge that this vehicle was purchased in my name. I contacted the creditor requested paper work showing I agreed to pay a debt or proof that I engaged in any business transaction knowingly and intentionally. The company refused to give me a full account number and refused to send me any documents bearing my original signature. The date the vihicle this vehicle was purchased I wasnt even in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
NCB MANAGEMENT XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Closed my account in XX/XX/year> then reopened it without my consent or knowledge, unilaterally reopening a closed deposit account, especially to process transactions, can be considered an unfair practice under certain circumstances. They did this purposely to damage my credit after working so hard to get it back up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NC

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

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

15 U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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:
Upon reviewing my credit reports, I have identified that your company is furnishing information that is inaccurate, incomplete, and/or misleading. Specifically, the account is being reported as a credit loss/charge-off, but the reported details are incorrect for the following reasons : XXXX  Account Number XXXX Highest Balance {$350.00} Status Account charged off. 
{$350.00} written off. 

Under the Fair Credit Reporting Act ( FCRA ), you have certain legal obligations when furnishing information to consumer reporting agencies : 15 U.S.C. XXXX requires furnishers like yourself to investigate disputed information and correct or delete any information that is found to be inaccurate or incomplete. 
15 U.S.C. XXXX ( b ) requires that all information provided to credit reporting agencies must be maintained with the maximum possible accuracy. 

Your continued reporting of inaccurate information is causing harm to my creditworthiness and could expose your company to liability for negligent or willful noncompliance with federal law. 

Accordingly, I am formally requesting that you : 1.Conduct an immediate investigation into this account. 
XXXXCorrect or delete all inaccurate information you have furnished to consumer reporting agencies. 
XXXXProvide me with written confirmation of the results of your investigation and an updated status of this account. 

Please treat this letter as a formal notice of dispute under the FCRA. If you are unable to fully substantiate the accuracy of the information with documented evidence, you are required to delete the disputed information. 

Failure to correct or delete this information within the required timeframe may result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential legal action to enforce my rights under the FCRA.

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 2025-04-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital one is saying I have debt with them and I never used capital one credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 filing a complaint because several hard inquiries remain on my credit reports after my applications for credit were denied. According to 15 U.S.C. 1602 ( p ) under the Truth in Lending Act ( TILA ), credit is defined as the right granted to defer payment of debt. Since no credit was extended, the definition of credit was not satisfied.

Under the Fair Credit Reporting Act ( FCRA ) 1681b, credit reporting agencies may only include inquiries if there is a permissible purpose. Because I was denied credit, and no permissible purpose continues to exist, these inquiries are now inaccurate, misleading, and violate FCRA. 

Further, pursuant to the XXXX XX/XX/XXXX guidance interpreting FCRA obligations, reporting agencies must ensure maximum possible accuracy under 1681e ( b ). If inquiries can not be verified with evidence of permissible purpose or granted credit, they must be deleted to prevent consumer harm. 

I formally disputed these inquiries by certified mail with Experian, Equifax, and TransUnion. Despite my dispute, the following hard inquiries remain : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX ( appears twice ) I am requesting that the CFPB require the reporting agencies to either produce valid evidence of permissible purpose or delete these inquiries immediately under FCRA, XXXX, and the XXXX XX/XX/XXXX guidance. The continued reporting of these inquiries is causing harm to my creditworthiness and violates federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: MO

Complaint narrative:
I am filing this complaint against Discover Bank concerning multiple unauthorized transactions on my Discover credit card account. 

I identified several transactions that I did not authorize. I promptly reported these to Discover 's XXXX  department and followed all required procedures, including submitting a signed fraud affidavit and supporting documentation. 

Despite my timely report and compliance with all requested steps, Discover concluded their investigation by stating that the transactions were valid, without providing adequate evidence or explanation. I have requested detailed information supporting their decision, such as transaction records, IP addresses, or merchant communications, but have not received any substantive response. 

Furthermore, Discover has closed my dispute without resolving the issue, leaving the fraudulent charges on my account and negatively impacting my credit score. 

I believe Discover has not conducted a reasonable investigation as required under the Fair Credit Billing Act ( 15 U.S.C. XXXX ) and Regulation XXXX ( XXXX XXXX  XXXX ). Their failure to provide evidence or a clear rationale for denying my dispute constitutes a violation of my consumer rights. 

I am seeking the CFPB 's assistance to : Ensure that Discover conducts a thorough and fair investigation into the disputed transactions. 

Obtain all documentation and evidence Discover used to determine the transactions were valid. 

Have the unauthorized charges removed from my account and any negative credit reporting corrected. 

I have attached all relevant correspondence, statements, and documentation related to this issue. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
Notification of Ownership and XXXX XXXX Navy Federal Credit Union Credit Card Account No. XXXX Dear Sir or Madam, I am writing to formally notify the Consumer Financial Protection Bureau that I, XXXX XXXX XXXX, am transferring all ownership and liability associated with my Navy Federal Credit Union credit card account ( Account No. XXXX ) to The XXXX XXXX XXXX XXXX, located at XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, GA XXXX. 

Effective immediately, I, XXXX XXXX XXXX, am no longer personally liable for any past, present, or future charges associated with this account. All rights, obligations, and responsibilities pertaining to the account have been transferred to the Trust. A XXXX XXXX XXXX has been filed under Filing Number : XXXX to reflect this legal transfer. 

I have already informed Navy Federal Credit Union of this change and have requested that their records be updated accordingly. 

I am submitting this notice to the CFPB for the purpose of documentation and to ensure that there is an official record of this transfer in case any future disputes or misunderstandings arise. 

Please feel free to contact me should you require any further documentation or information regarding this matter. 

Thank you for your attention to this notification. 

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 2025-04-28 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or misleading advertising or marketing — 
Company: Southwest Credit Systems, L.P.
State: ID

Complaint narrative:
This is Southwest Credit, a debt collector. Your XXXX account balance is {$460.00}. We are authorized to accept {$230.00} as settlement in full. To accept, make your payment by XXXX. Call us at XXXX to discuss details or visit www.swcconsumer.com. We are not obligated to renew this offer. To opt out, text STOP. See Important Disclosures XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX XXXX on XX/XX/year> account is shown late payment Credit Card account opened at XXXX on XX/XX/year> account is shown late payment Credit Card account opened at XXXX XXXX on XX/XX/year> account is shown late payment Credit Card account opened at XXXX on XX/XX/year> account is shown late payment, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request XXXX subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

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 2025-04-28 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:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit Card account opened at XXXX XXXX on XX/XX/year> account is shown late payment Credit Card account opened at XXXX on XX/XX/year> account is shown late payment Credit Card account opened at XXXX XXXX on XX/XX/year> account is shown late payment Credit Card account opened at XXXX on XX/XX/year> account is shown late payment, as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request XXXX subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within XXXX ( XXXX ) calendar days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TN

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-04-28 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: LA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
There is a 90-day late payment reported on my credit file. My payment history for the months prior to this entry shows timely payments, indicating this late payment is an error.

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 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
BofA closed all of me debit accounts without giving me any time to open my accounts at another bank causing severe distress and several defaulted auto-payments ; also they closed my credit cards without giving me any note whatsoever and cut off the option of using my rewards ( quiet a bit of money ) to apply it towards payments on cards causing me another {$700.00} in damages

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 monetary relief
Consumer complaint received 2025-04-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-28 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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