vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX  - {$1900.00} XXXX XXXX XX/XX/XXXX - {$16000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$4000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST CITIZENS BANCSHARES, INC.
State: CO

Complaint narrative:
XXXX XXXX I paid late and I have paid on time to date ( XX/XX/XXXX ). I have gotten foreclosure notices. I have made multiple phone calls and tranferred several times. I have emailed XXXX XXXX and not one reply. I went to the XXXX XXXX and got help from XXXX XXXX. Her email to me said the file is under review and they don't see the XX/XX/XXXX payment. That checked cleared on XX/XX/XXXX. I feel like there's an attempt to steal my house from me by making false claims of non-payment. This is how senior citizens are treated by First Citizens Bank. I want all late fees removed and adjustments to the principal corrected. I want all credit bureaus contacted and corrected. My credit score has taken a severe dive due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
After the repossession, the lender is still reporting the Charge Off monthly. The vehicle is not in my possession therefore, should not be continually reported on credit report. This is inaccurate information to reflect continued defaulting on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Could you look at this entry again? Its late and might be 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 non-monetary relief
Consumer complaint received 2025-11-17 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: IN

Complaint narrative:
I recently looked at my credit report from Equifax and I found several hard inquiries that are the result of identity theft.

These inquiries were not authorized by me and should be removed.

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt.

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

List Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to inform you that I have been a victim of identity theft. I reviewed my credit reports in XX/XX/year> and was shocked to see things on my report that were not my accounts. Subsequently, I filed a Identity theft report with the police department.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX Subject : Formal Complaint for FCRA and FDCPA Violations XXXX  XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against XXXX XXXX XXXX ( XXXX ) for multiple and serious violations of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and federal CFPB regulations. 

Below is the specific account information : Creditor : XXXX XXXX Associates Original Creditor : XXXX XXXX XXXX 

Reported Balance : {$1000.00} Account Number : XXXX Date Opened ( Reported ) : XX/XX/XXXX Date of First Delinquency : XX/XX/XXXX Date Closed : XX/XX/XXXX CRAs Reporting : TransUnion, Experian, and Equifax I. FCRA Violations 1. Illegal Re-aging of the Account ( FCRA 623 ( a ) ( 5 ) ) The DOFD is XX/XX/XXXX, but XXXX is reporting an " account opening '' date of XX/XX/XXXX, which artificially resets the reporting period and extends the time this derogatory account remains on my credit file. 
This is unlawful and constitutes deliberate re-aging. 

2. Reporting False, Conflicting, or Misleading Information ( FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ) ) Examples of inaccurate reporting : Reported as Open Account '' while also reported as Collection and Closed. 

Reported as XXXX XXXX Account and XXXX XXXX Account, which are materially inconsistent categories. 

Reporting monthly activity and new delinquency dates despite no activity and no payments. 

This demonstrates clear inaccuracy and failure to ensure maximum possible accuracy.

3. Failure to Conduct a Reasonable Reinvestigation ( FCRA 611 ) The account continues to report the same inaccurate information after my dispute, showing that no reasonable investigation took place.

II. FDCPA Violations 1. Misrepresentation of the Character or Legal Status of the Debt ( FDCPA 807 ( 2 ) ( A ) ) The account is falsely labeled under multiple categories ( Open Account, XXXX  AccountXXXX XXXX XXXX Account ), which misrepresents the true nature of the debt and is misleading to both CRAs and to me as the consumer. 

2. Continued Reporting Without Validation ( FDCPA 809 ( b ) ) XXXX continued to furnish negative information to the CRAs despite failing to provide proper validation of the debt during dispute.

III. Requested Action by CFPB I respectfully request that the CFPB : Initiate an investigation into XXXX XXXX XXXX. 

Compel XXXX to comply with FCRA and FDCPA requirements. 

Order the deletion of this account from all credit bureaus due to repeated unlawful reporting.

Impose penalties as appropriate for regulatory violations.

Thank you for your attention to this matter. I request written confirmation once the investigation has been initiated.

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my credit report contains several unauthorized and unverified hard inquiries that I did not initiate, authorize, or consent to, and which are being reported without a valid permissible purpose in violation of the Fair Credit Reporting Actspecifically 15 U.S.C. 1681b ( permissible purposes of consumer reports ), 15 U.S.C. 1681s2 ( responsibilities of furnishers ), 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ) ( prohibition on reporting inquiries for transactions not initiated by the consumer ), and 15 U.S.C. 1681n ( b ) ( liability for obtaining a consumer report under false pretenses ) and because the credit reporting agency has failed to provide proof of my signed authorization or permissible purpose despite my request for a reinvestigation as required under FCRA 611 ( 15 U.S.C. 1681i ), these unauthorized inquiries continue to harm my creditworthiness, increase my risk of identity theft, and must be removed immediately as there is no legal basis for their continued 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 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: SC

Complaint narrative:
Summary CarMax Auto Finance furnished inaccurate delinquency information on my closed auto loan and failed to correct it after notice of error. 

Details My loans due date was the XXXX of each month. In XX/XX/XXXX I encountered a payoff check processing issue as there was an oversight in signature needed ; a representative told me the payment would be back-dated upon resubmission. I relied on that guidance and immediately resent payment. CarMaxs own Account History shows : The XX/XX/XXXX installment was posted XX/XX/XXXX ( 52 days after due date ) which falls within 3059 days late, not 60+. 

The XX/XX/XXXX installment was posted XX/XX/XXXX ( 25 days after due date ) less than 30 days, so a 30-day late code is inaccurate. 

On XX/XX/XXXX I paid the full payoff, and CarMax later issued refunds, demonstrating overpayment and negating any continuing delinquency. 

Despite this, CarMax first reported the account first, as 90 days late, then 60 days late, and later as 30 days late. All are inaccurate given the due date and posting dates above. Furnishing information known or reasonably expected to be inaccurate violates FCRA 623 ( a ) ( 1 ) ( A ) and the maximum possible accuracy standard in FCRA 607 ( b ). After I notified CarMax and supplied documentation, they were obligated to conduct a reasonable reinvestigation and correct the data under FCRA 623 ( b ). 

The inaccurate reporting caused a credit denial during the error period, representing actual consumer harm. 

Requested Resolution Direct CarMax Auto Finance to conduct a full 623 ( b ) reinvestigation using the attached Account History ; Delete the inaccurate late-payment coding from XXXX XXXX XXXX XXXX ; and Provide written confirmation to me within 30 days. 

This is a factual accuracy issue arising from CarMaxs internal processing and miscommunication, not consumer nonpayment. 

I am also requesting that the Bureau record this matter as a potential pattern-and-practice violation of CarMaxs duty to ensure the accuracy of furnished data, as this error originated from internal clerical handling and miscommunication, not consumer fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
The consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a comprehensive reinvestigation of all reported items, the bureau has either failed to provide adequate verification or continues to report information that remains unverified. This failure constitutes a clear violation of my rights under federal law and raises significant concerns regarding the accuracy, integrity, and reliability of the information currently reflected in my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
Despite being paid in full, the account continues to show late payment information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: NC

Complaint narrative:
XXXX  is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX  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 explanation
Consumer complaint received 2025-11-17 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: CBC Companies, Inc.
State: GA

Complaint narrative:
Do not know who XXXX XXXX is but there are two hard inquires from XX/XX/XXXX & XX/XX/year> I did not authorize & they need to be deleted immediately from my XXXX  report! 
Also, XXXX is showing a hard inquiry on XX/XX/year> & I never authorized this either & needs to be deleted immediately from my XXXX  report!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CITIBANK, N.A.
State: NC

Complaint narrative:
I have an account on my credit report that has a different account number than the card I have. I contacted Citi to have it investigated and removed. The Citi representatives refused to provide information and could not find the account. I requested for it to be removed. I also reached out to the credit bureau to have it investigated and removed and it is still showing on my report as incorrect which is hurting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Affirm Holdings, Inc
State: DE

Complaint narrative:
I am submitting this complaint under the Fair Credit Reporting Act ( FCRA ). 
I am a victim of identity theft and data breaches with XXXX  ( Ref : XXXX ) and XXXX. I am filing this complaint because XXXX XXXX XXXX, and several furnishers of credit information ( Affirm Inc, XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Dept. of Education/XXXX  ) have continued to report inaccurate or unverifiable information on my credit report in violation of the Fair Credit Reporting Act ( 15 U.S.C. 16811681x ). Despite submitting formal disputes under FCRA 1681c-2 and 1681s-2, these entities either : - Failed to properly investigate the disputed accounts, - Reinserted inaccurate data without proper certification, or- Continued reporting information that could not be verified with original documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported multiple hard inquiries on my credit file that I did not initiate, authorize, or consent to. This conduct violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the reporting of inquiries not initiated by the consumer unless there is lawful permissible purpose, prior written authorization, or a firm offer of credit. 

I have never provided consent for these inquiries, nor have I authorized any third party to access my credit information. The continued reporting of these unauthorized inquirieswithout verifiable proof of permissible purpose, such as a copy of my signed authorizationconstitutes a clear violation of federal law. I respectfully request that this matter be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: NY

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for reporting inaccurate and unverified credit information that belongs to another person. My credit files contain multiple accounts that do not belong to me, which demonstrates a clear violation of the accuracy procedures required by law. 

The specific accounts in dispute are : XXXX account XXXX XXXX - Reported as a charge-off from XXXX to XX/XX/year>. This is not my account. 

XXXX XXXX account # XXXX - Reported as a charge-off with inconsistent amounts : {$7400.00} on TransUnion and {$7300.00} on Experian. Equifax does not show it, demonstrating reporting inconsistency. This is not my account. 

XXXX XXXX XXXX  XXXX account # XXXX - Reported as a charge-off. This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing a formal complaint against Experian, Equifax, and TransUnion for reporting inaccurate and unverified credit information that belongs to another person. My credit files contain multiple accounts that do not belong to me, which demonstrates a clear violation of the accuracy procedures required by law. 

The specific accounts in dispute are : XXXX account XXXX XXXX - Reported as a charge-off from XXXX to XX/XX/year>. This is not my account. 

XXXX XXXX account # XXXX - Reported as a charge-off with inconsistent amounts : {$7400.00} on TransUnion and {$7300.00} on Experian. Equifax does not show it, demonstrating reporting inconsistency. This is not my account. 

XXXX XXXX XXXX  XXXX account # XXXX - Reported as a charge-off. This is not 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 non-monetary relief
Consumer complaint received 2025-11-17 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal dispute regarding the following accounts on my Experian credit report : Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$590.00} XXXX  XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} Late Payments XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation