vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: TX

Complaint narrative:
I am filing a formal complaint against XXXX XXXX and XXXX XXXX XXXX for unethical, unfair, and unprofessional conduct in connection with a disputed rental balance. 

After completing my lease and paying over {$16000.00} in rent, I was charged a {$500.00} cleaning fee for drip pans and carpet cleaning. XXXX XXXX XXXX provided no documentation or proof of these alleged charges. Despite fulfilling all lease obligations, I am now being prevented from renting another apartment due to this baseless debt. 

XXXX XXXX refuses to communicate in writing and insists on phone-only interactions. Their online payment portal offers a monthly payment option, but the company refuses to process or accept partial payments. When I called their office, I spoke with a representative named XXXX, who was rude, unprofessional, and made personal insults about my overdue balance. Her behavior was clearly intended to bully and intimidate me into making a full payment, even though I attempted to make a good-faith partial payment in line with their online systems options. 

This situation demonstrates a serious lack of transparency and accountability from both XXXX XXXX and XXXX XXXX XXXX. It is completely unfair that property management companies can retain a tenants security deposit and then impose additional move-out fees without evidence. Deposits are meant to cover actual XXXX normal wear and tear or routine cleaning costs associated with preparing a unit for the next renter. 

I am now working with tenant rights attorneys and continuing to contact my state senators to push for stronger legislation protecting renters from excessive move-out fees, fabricated damages, and abusive collection practices. No one should face housing instability or homelessness because of unjust and unverified property charges. 

I respectfully request that this matter be investigated and that both companies be held accountable for their deceptive and harmful practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
I am filing this complaint because my credit file continues to display unauthorized hard inquiries that were made without my knowledge or consent. 

Under the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ), a permissible purpose is required for any XXXX inquiry. None of these inquiries were authorized by me, nor were they connected to any legitimate extension of credit. Their continued presence on my report is therefore a direct violation of federal law. 

The following inquiries are unauthorized and must be permanently deleted : XXXX XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have already disputed these items directly with TransUnion, providing both my written dispute and a copy of my official FTC Identity Theft Report and Police Report ( Case XXXX XXXXXXXX ). Despite my full compliance with the legal process, the bureau has failed to block and remove these inquiries as required under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). 

This non-compliance has caused measurable harm to my financial life : My XXXX XXXX remains artificially low due to inquiries I never authorized. 

I am being denied legitimate credit opportunities. 

When I do receive approvals, I face higher interest rates and less favorable terms. 

These violations have placed me at risk of further identity theft and financial damage.

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 2025-10-14 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: VA

Complaint narrative:
I submitted XXXX disputes via Experian and neither of them did they actually investigate. I submit this report in support of the CFPB investigation and litigation against Experian. 

I submitted " account was never late '' dispute against XXXX XXXX XXXX XXXX XXXX XXXX  on my credit report. Both institutions had already agreed to remove the false reporting. I contacted XXXX via the telephone and XXXX, both said to file a dispute and it will be removed. I then disputed the issue with Experian who, after XXXX weeks sent me a notification they received a response and were evaluating it and that the dispute was completed. 

I verified that Experian did not actually verify or investigate anything by both the time the investigation was claim to have been conducted ( outside of business hours on a holiday, they reportedly opened it, got an updated and closed it ), AND by contacting the XXXX organizations who stated the received no disputes and no requests to verify.

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 2025-10-14 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 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: WA

Complaint narrative:
A {$55.00} collection account from XXXX XXXX XXXX appeared on my credit report, allegedly related to a prior XXXX XXXX balance. However, when I recently purchased a new insurance policy directly from XXXX, they informed me that this {$55.00} balance needed to be paid to complete my new policy setup. I paid the amount in full to XXXX at that time. 

Since this balance was resolved directly through XXXX during the purchase of a new policy, it should not continue to be reported as an active or outstanding collection. The record appears outdated and does not reflect the current and accurate status of the 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 non-monetary relief
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am filing this complaint because a collection account reported by XXXX ( Original Creditor : XXXX XXXX ) is being shown on my XXXX  and XXXX  credit reports with a balance of {$7100.00}. 

I disputed this item with both credit bureaus and with the furnisher directly. Under the Fair Credit Reporting Act ( FCRA XXXX ( a ) ), the bureaus must conduct a reasonable reinvestigation and verify the accuracy of the information. I also requested validation of the debt from the furnisher under the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ) and a direct dispute under FCRA 623 ( a ) ( 8 ).

The company has not provided any documentary proof, itemized statement, or evidence showing that I owe this debt or that it was properly assigned. Because no verification was provided within the required time, the account should be deleted or corrected to show {$0.00} and closed. 

I am requesting that the CFPB ensure the credit bureaus and XXXX comply with the FCRA and FDCPA, and that this inaccurate, unverified account be permanently removed from my credit reports. 

Supporting documents are attached, including copies of my credit report and prior dispute letters.

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 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-14 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:
I have been disputing several accounts with Experian since XX/XX/XXXX, but Experian has failed to update or properly reinvestigate the information. My most recent report from XX/XX/XXXX still lists multiple items as Account Not XXXX, which is inaccurate and violates FCRA XXXX ( a ). 

In addition, several accounts contain inconsistent or outdated information compared to other credit bureaus, which violates Experians duty under FCRA 607 ( b ) to report data with maximum possible accuracy. 

Some of the accounts also appear to be re-aged, with recent Date of Last Activity updates on old debts ( for example, XXXX XXXX and XXXX accounts originally from XXXX now showing XXXX dates ). 

I am requesting that Experian ( XXXX ) mark all disputed accounts correctly, ( XXXX ) conduct a proper reinvestigation, ( XXXX ) delete or correct inaccurate tradelines, and ( XXXX ) provide written confirmation of updates within XXXX  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 2025-10-14 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: TX

Complaint narrative:
Date : XX/XX/XXXX, payment of XXXX This account is not charged off. I am currently making payments under an active payment plan arrangement with XXXX XXXX XXXX XXXX. My loan remains open and active, and I have continued to make my agreed-upon monthly payments on time per the terms of the payment plan. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you : Conduct a full investigation into this reporting error. 

Correct the account status to reflect XXXX  XXXX XXXX XXXX  ( or XXXX  XXXX XXXX ) on all credit reports. 

Provide me with written confirmation once the correction has been made. 

For your reference, I have enclosed the following supporting documentation : Proof of recent payments ( bank statements or receipts ) Correspondence showing my payment plan arrangement A copy of my ID and proof of address Please complete your investigation and provide a written response within the XXXX period required by federal law. 

Thank you for your prompt attention to this matter. I look forward to receiving written confirmation that this inaccurate charge off designation has been corrected.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company 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 2025-10-14 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: NJ

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-10-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: CA

Complaint narrative:
I filed XXXX XXXX Bankruptcy in XX/XX/year> and my listed accounts were in an automatic stay. 
Payments on my CarMax loan were to naturally end in XX/XX/year>, but CarMax later stated that I had a balance due at the end of the loan. I paid that balance and received the pink slip to the vehicle. 

Later, I noticed that CarMax reported to XXXX  that I was XXXX  days late on the loan in XXXX of XXXX  and XXXX days late on my loan in XX/XX/year>. 

My attorney, XXXX XXXX XXXX, states that it is illegal for a company to report derogatory information about listed accounts-after a XXXX XXXX Bankruptcy has been filed in a XXXX Bankruptcy XXXX XXXX Fair Credit Reporting Act and/or discharge injunction violations have likely occurred by CarMax XXXX XXXX 

CarMax XXXX refuses to remove the reports of late payments from XX/XX/year> and XX/XX/year> from my XXXX  credit report. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : BANKRUPTCY - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-14 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: GA

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 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) 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. 1681s-2 ( A ) ( 1 ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I am writing to dispute the inaccurate information on my credit report acquired by Experian. This letter is for the purpose to invoke my rights under the Fair Credit Reporting Act ( FCRA ) 15USC 1681i, which obligates you to provide me with the procedures you used to verify the information on my credit report. If you can not verify the accuracy of the disputed items, they must be deleted from my credit report right away. 
Additionally, under the XXXXBliley Act ( 15 USC 6802 ) I have an essential right to privacy regarding my financial information. Also. 15 USC 1681 ( XXXX ) under the FCRA highlights the importance of maintaining the accuracy and privacy of consumer credit information. 
No permissible purpose, as shown in 15 USC 1681b ( XXXX ), has been established for Experian to maintain a credit report on my behalf. 
Experian has neither my permission nor a valid permissible purpose to supply a credit report containing my personal information. 
The absence of such permissible purpose makes the presence of this information a violation of my privacy rights.

Additionally, 18 USC 1028a addresses identity theft and its associated penalties, highlighting that identity theft is a serious crime.

The unauthorized acquisition and use of my personal information is a criminal act and violates principles of privacy and consumer protection.

Under 15 USC 1681c-2, credit reporting agencies are required to block information that results from identity theft. The transactions in question were not conducted by me. If my information has been compromised due to identity theft, I am expecting Experian to take all necessary action to correct and block this information as ordered by law. 
l from now on request a formal investigation into my dispute and the removal of any incorrect information from Experian 's records if it is determined that no permissible purpose exists for maintaining this information. I expect Experian to comply with the FCRA, 18 USC 1028a, and 15 USC 1681c-2 to fix any issues related to identity theft. 
Please provide me with a written response to this dispute within XXXX  days, with detail on any action taken to correct the inaccuracies on my credit report, along with the results of your investigation, If my report is not corrected or removed in accordance with the law, I will take legal action.

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