vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the inaccurate reporting of XXXX separate accounts that are currently damaging my credit profile. First, the account reflecting late payments contains multiple inconsistencies and unverifiable derogatory remarks that violate my rights under FCRA 623 ( a ) ( 1 ) ( A ) and 1681e ( b ), which mandate that all information furnished to credit reporting agencies must be accurate and complete. If the furnisher can not provide full documentation confirming the accuracy of each late payment, then you are legally obligated to correct or update the information immediately. Second, the repossession account being reported was the result of a voluntary surrender, yet it is being misrepresented in a way that implies an involuntary repossession or forced seizure of property. This is a false and misleading portrayal of the facts and a direct violation of FCRA 1681e ( b ), which requires the reporting of data with maximum possible accuracy. Additionally, you have failed to provide verifiable evidence or proper reinvestigation within the time allowed under FCRA 1681i, which further justifies the immediate deletion of the repossession account from my credit file. These reporting errors have materially harmed my ability to obtain credit and demonstrate a pattern of noncompliance with federal consumer protection laws. If these issues are not resolved promptly, I will escalate with formal complaints and prepare to pursue all available legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: The Outsource Group, Inc
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX Date : XX/XX/year> To : Medicredit , Inc . 
XXXX  XXXX XXXX XXXX, IL XXXX RE : Account Number XXXX / Reference # XXXX NOTICE OF DISPUTE AND REQUEST FOR VALIDATION To Whom It May Concern, I am writing in response to your letter dated XX/XX/year>, regarding the alleged debt in the amount of {$330.00} claimed to be owed to XXXX Florida XXXX XXXX XXXX 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, 1 am requesting validation and verification of this debt. Please provide : XXXX. The name and address of the original creditor XXXX. A full itemized statement or billing breakdown of the charges XXXX. Copies of any documents ( e.g. agreements, invoices ) bearing my signature or showing my responsibility XXXX. Any insurance claim information or explanation of adjustments XXXX. Proof that you are authorized to collect on this debt Until you provide proper validation, you must cease all collection activity, including credit reporting and contact. 
This is not a refusal to pay but a request for proof. If you can not provide this validation, you must remove any mention of this debt from my credit reports and cease all communication. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Spring Oaks Capital, LLC
State: GA

Complaint narrative:
SPRINGOAKCAP is falsely reporting on my credit. I have never had any accounts with them. Per my research SPRINGOAKCAP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
XXXX Bank Of America Fraud - XXXX XXXX usd $ $ in the account - XXXX  XXXX XXXX XXXX - XXXX - XXXX XXXX XXXX XXXX - XXXX - It is an active bank account with XXXX XXXX usd in the account. The name on the account is XXXX XXXX. I am the account owner and would like to recover my account. They have not sent XXXX piece of mail or any mail for me to recover and gain access to my account. They wont respond to emails or calls. Please help me recover my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX  XXXX Subject : Formal Dispute Fraudulent Accounts and Inquiries on My Credit Report To Whom It May Concern : I am writing to formally dispute the following inaccurate and unauthorized items on my TransUnion credit report. I am a victim of identity theft, and these accounts and inquiries were made without my knowledge, authorization, or consent. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c-2, I am requesting the immediate removal of these fraudulent items from my credit report within 4 business days. 
Items to be Removed : XXXX. Hard Inquiry : o XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX o Reason for Dispute : Unauthorized inquiry ; I did not apply for credit with this entity. 
o FCRA Violation : 15 U.S.C. 1681b ( c ) A credit inquiry must be initiated with consumer authorization.

2. Charge-Off Accounts : o XXXX XXXX XXXX Date of Charge-Off : XX/XX/XXXX o XXXX  XXXX XXXX Date of Charge-Off : XX/XX/XXXX o Reason for Dispute : These accounts were opened and charged off fraudulently and without my authorization. 
o FCRA Violation : 15 U.S.C. 1681s-2 ( a ) Furnishers must report accurate information ; fraudulent accounts violate this. 
o Request for Removal Under : 15 U.S.C. 1681c-2 ( a ) Identity theft victims may request removal of fraudulent information. 
XXXX. Collection Account : o XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX o Reason for Dispute : I do not owe this debt ; it is the result of identity theft. 
o FCRA Violation : XXXX5 U.S.C. 1681s-2 ( b ) Failure to properly investigate disputed items and furnish accurate results. 
Legal Basis for Request : According to 15 U.S.C. 1681c-2, upon receipt of proper documentation showing that information resulted from identity theft, the consumer reporting agency must block and remove such information within XXXX ( XXXX ) business days. I have attached the following documentation to verify my claim : Copy of a valid government-issued ID Proof of address ( e.g., utility bill or bank statement ) Identity theft affidavit ( FTC or police report ) Copy of the credit report with the fraudulent items highlighted Please investigate these matters and remove the fraudulent entries from my credit report immediately. Failure to comply may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ) or further legal action. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
LOCKHART, MORRIS & MONT ( Collection for XXXX XXXX XXXX XXXX, Account # XXXX ) Account Status : Listed as a collection for {$570.00} This account is marked as " disputed by consumer '' but remains unresolved. I demand proof of the debts validity, including a signed agreement and itemized charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: CarMax, Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint due to CARMAX AUTO FINANCEs failure to respond to my previous request to investigate and remove inaccurate and unauthorized information currently being reported on my credit file. Despite providing adequate time for a response, CCARMAX AUTO FINANCE has neither acknowledged nor acted upon my dispute. This failure to comply with dispute obligations violates the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2, which requires furnishers of credit information to investigate disputed items and report accurate data. 

The information in question includes negative payment history and other details I believe to be factually incorrect, misleading, and harmful to my credit report. I formally disputed this account and requested validation, yet no supporting documentation was provided. Under FCRA 1681e ( b ), all credit information supplied must be reported with maximum possible accuracy. Continuing to report unverified or incorrect data not only causes unwarranted harm to my credit standing but also demonstrates non-compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am writing to formally dispute XXXX unauthorized accounts currently listed on my credit report. These accounts were opened without my knowledge or consent, and I have taken multiple steps to resolve this issue, including submitting my FTC Identity Theft Report and a signed statement detailing the fraud. 
The disputed accounts are as follows : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX These accounts were fraudulently opened using my personal information. I did not authorize these accounts, and I am not responsible for any associated charges or balances. I have previously submitted evidence, including my FTC Identity Theft Report and a signed affidavit, to the relevant parties and the credit bureaus, but I have yet to receive an adequate resolution. 
While other fraudulent accounts have been successfully removed, these XXXX still remain on my credit report, causing ongoing damage to my credit standing. I respectfully request the immediate deletion of these accounts from my credit report under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ). 
Please confirm in writing that these accounts will be removed from my credit file. If further documentation is needed, I am willing to provide it promptly. I appreciate your urgent attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I never received any type of communication to settle or that the account was closed or charged off. I never received a 1099 C

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: OH

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I, XXXX XXXX , sent a certified debt validation letter to Caine & Weiner on XX/XX/year>, under my rights granted by the Fair Debt Collection Practices Act ( FDCPA 1692g ( b ) ). They responded with a partial validation, only providing a copy of the original agreement. They failed to provide a breakdown of the charges or documentation showing they are legally authorized to collect this debt.

As of today, they continue to report this unverifiable debt to the credit bureaus, which is a violation of FCRA 1681s-2 ( b ). I am requesting that this debt be either fully validated with the proper documentation or removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXT XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$200.00} INQUIRIES : XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am disputing inaccurate information being reported by XXXX  regarding my closed XXXX XXXX account. The account was paid off and closed on XX/XX/XXXX, yet XXXX  and XXXX  is falsely reporting late payments for XXXX and XX/XX/XXXX, which is not possible. XXXX XXXX requires that all balances be paid before an account is closed, and mine had a XXXX balance before the official closure on XX/XX/XXXX. 
I attempted to dispute this item with XXXX XXXX  XXXX. The first dispute response stated : Unfortunately we did not receive dispute results for this account. When I tried again, the second dispute was canceled without explanation, and the inaccurate information was never corrected. 
I am requesting that these false late payments be removed immediately and that the payment history be corrected to reflect that the account was paid in full and closed in good standing in XX/XX/XXXX. This error is damaging my credit and must be resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I am writing to formally dispute and file a complaint regarding these inaccurate personal information entries on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), specifically 15U.S.C. 1681e ( b ) and 1681i, consumer reporting agencies are required to maintain maximum possible accuracy in credit reports and to investigate any dispute and correct or delete any unverifiable or inaccurate data within a reasonable period30 days, or 45 days if additional documentation is provided.

15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agencyprepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptlynotify the furnisherof that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately. 
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 non-monetary relief