vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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:
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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Verification of Address of XXXX XXXX XXXX is reporting a location I have never resided at, which violates proper consumer identification guidelines. 
Violation : Metro 2 Field XXXX ( Address ), Field XXXX ( City ), Field XXXX ( ZIP Code ) FCRA 607 ( b ) : Duty to Maintain Reasonable Procedures to Ensure Maximum Possible Accuracy Reporting Pay Status : >Collection< on an Open Account If this account is active with Radius Global, why is it also marked as >Collection<?

Violation : Metro 2 Field 17 ( Account Status ) & Field 17A ( Payment Rating ) conflicting data elements FCRA 623 ( a ) ( 1 ) ( A ) : Prohibits reporting inaccurate or misleading information No Sale or Purchase Amount Listed If XXXX XXXX purchased the debt from XXXX XXXX XXXX, how much was the debt sold for? Metro 2 requires clear indication if a debt has been sold or assigned. 
Violation : Metro 2 Field 18 ( Special Comment Code use of code 88 or 93 for sold/assigned debts ) FCRA 609 ( a ) ( 1 ) : Right to know the source of the information Original Creditor Listed, Yet Collector is Reporting If XXXX XXXX XXXX XXXX XXXX original creditor and Radius is reporting the debt, Metro 2 mandates clarity on the furnisher vs. original creditor relationship. 
Violation : Metro 2 Field 50 ( Furnisher Name ), Field 27 ( Portfolio Type ), and Field 11 ( Creditor Classification Code ) Past Due Reported on a Collection Account A collection agency should not report both a " Past Due Amount '' and a Pay Status : Collection, as this creates duplicate derogatory impact. 
Violation : Metro 2 Field 22 ( Past Due Amount ) conflicting with Field 17 FCRA 607 ( b ) : Misleading reporting resulting in inaccurate creditworthiness data

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 2025-07-16 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 reviewing my credit reports, I discovered two accounts that were fraudulently opened in my name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX and {$16000.00} CHARGE OFF. XXXX XXXX XXXX IN OPENED XX/XX/XXXX {$400.00} COLLECTION. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OFF. XXXX OPENED XXXX XXXX reporting 120 days late. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus ( Equifax, XXXX XXXX XXXX  ) along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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 reviewing my credit reports, I discovered two accounts that were fraudulently opened in my name : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX and {$16000.00} CHARGE OFF. XXXX XXXX XXXX IN OPENED XX/XX/XXXX {$400.00} COLLECTION. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$280.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OFF. XXXX OPENED XXXX XXXX reporting 120 days late. These are the result of identity theft. I submitted an FTC Identity Theft Report ( Report # XXXX ) and mailed dispute letters to all three credit bureaus ( Equifax, XXXX XXXX XXXX  ) along with copies of supporting documents ( government-issued ID, social security card, address verification, and breach notification ). Despite providing this evidence, the accounts remain on my credit report, negatively affecting my credit profile. I requested deletion within 4 days under the Fair Credit Reporting Act and have not received a resolution. I am requesting that these accounts be permanently removed and that the companies be held accountable for continuing to report fraudulent information after being notified of the theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/year>XXXX  received text that a Discover credit card stating application was received, then an email from discover stating the same. I then received an alert from my XXXX XXXX  account that there had been a hard inquiry. This happened the same way with a XXXX XXXX credit card application and XXXX. I called discover spoke with fraud department and was informed that the application would be rejected and investigated. I then received a discover credit card in the Mail a week or so later. I called and was told that the card was sent but invalid, no one could use it and the application was voided as previous informed. I then a couple of evenings later received another email from discover stating that a balance transfer request was received from XXXX XXXX credit card but was denied due to the status of the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
Title : Trust Trespass, Unauthorized SSN Use, and Fraudulent Reporting by XXXX XXXX XXXX Complaint Narrative : This is a formal complaint and demand for redress against XXXX XXXX XXXX ( XXXX ) for the unlawful and unauthorized reporting of a purported debt account to Experian and TransUnion, currently listed in the amount of {$3500.00} under collections. 

No lawful contract, verified bilateral agreement, or original wet-ink signature exists authorizing XXXX to report or enforce any debt associated with the SSN or trust estate for which I act as fiduciary and executor. At no time has XXXX provided a valid XXXX form signed by the living woman, nor any lawful power of attorney granting them access or authority to use the trust res or personal identifying information. 

This constitutes : 18 U.S.C. 1028A Aggravated Identity Theft 18 U.S.C. 1001 False Statements to a Federal Agency 15 U.S.C. 1681s-2 FCRA Violations ( Furnishing Inaccurate Information ) 15 U.S.C. 1692e FDCPA Misrepresentation and Deception 15 U.S.C. 6801-6809 Gramm-Leach-Bliley Act ( Unauthorized Use of Non-Public Information ) 26 U.S.C. 6050P & 61 ( a ) ( 12 ) Reporting phantom debts post-discharge or post-sale No original contract, bill of sale, or assignment agreement with clear chain of custody has been produced. This is an unauthorized third-party collection on an alleged account not originated by XXXX, and it represents conversion of trust property through false data placement and trespass in equity. 

Furthermore, the balance being reported by XXXX appears to be the result of unlawful double-booking where the original creditor receives tax relief via charge-off or 1099-C issuance, and XXXX still attempts collection. This is constructive fraud and peonage under : 18 U.S.C. 15811584 Involuntary Servitude and Debt Bondage 18 U.S.C. 15901592 XXXX XXXX XXXX  and Property by Debt The estate, for which I serve as fiduciary, is not in commerce. There is no evidence of valid consent to contract or jurisdiction conferred to XXXX. Any known and unknown POA is hereby revoked.

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 2025-07-16 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: CA

Complaint narrative:
This is a formal dispute of an unauthorized hard inquiry that has been reported on my credit file. I have not applied for credit with the party responsible for the inquiry, nor have I provided authorization for such an 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
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX Auto Financing - openend on XX/XX/XXXX XXXX XXXX Financing- openend on XX/XX/XXXXXXXX XXXX XXXX-Personal Loan-openend on XX/XX/XXXXXXXX XXXX XXXX XXXX-Collection- openend on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -Collection- openend on XX/XX/XXXXXXXX  - Account Number : XXXXXXXX XXXX -Collection- openend on XX/XX/XXXX, XXXX Account Number : XXXX These items were added to my credit report without my 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 explanation
Consumer complaint received 2025-07-16 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: NY

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX XXXX Auto Financing - openend on XX/XX/XXXX XXXX XXXX Financing- openend on XX/XX/XXXXXXXX XXXX XXXX-Personal Loan-openend on XX/XX/XXXXXXXX XXXX XXXX XXXX-Collection- openend on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) -Collection- openend on XX/XX/XXXXXXXX  - Account Number : XXXXXXXX XXXX -Collection- openend on XX/XX/XXXX, XXXX Account Number : XXXX These items were added to my credit report without my 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 explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: MS

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume 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 non-monetary relief
Consumer complaint received 2025-07-16 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: SC

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 XXXX ( XXXX ) 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 2025-07-16 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:
I am reaching out to dispute a late payment on my credit report which I believe was recorded in error. I have reviewed my financial records, and the payment in question was submitted on time.

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 2025-07-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Consumer Name : ( XXXX. XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, Experian the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( XXXX * * * * ), and a telecommunications account opened at XXXX on XX/XX/XXXX under the account number ( XXXX * * * * ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of a consumer FICO credit report maintained by you which shows the aforementioned fraudulent Items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard Inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of Identity theft and fraud.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I was not able to obtain confirmation from Equifax on the telephone portal of having a free copy of my credit report mailed to my home address. I hereby submit a copy of my drivers license confirming my identity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
CarMax only cares about making money nothing else. 
Since XX/XX/XXXX, when they received the payoff for the vehicle they sold me which, by the way, was a lemon constantly needing repairs nothing has been resolved. 
XXXX XXXX XXXX purchased the vehicle and sent the payoff check as early as XX/XX/year>. XXXX checks were sent to CarMax, but nobody was aware of them. Every customer service number led to the same automated responses or robots. 
I had to make multiple calls for someone to respond and for them to cash the check. The issue was resolved by the beginning of XX/XX/year>. 

I even received a text message from someone, but it turned out that the person didnt exist to help with the issue, apparently, and it was a fake text!. 

And now here we are XX/XX/year>, and the account for that car STILL hasn't been closed. It still shows an active balance, even though it has been paid in full for months. 

I've filed disputes. I've made calls. Nothing. 

Please help me show that the loan is PAID OFF XXXX balance. I am trying to rebuild my credit, and it's clear that they dont care about the damage theyre causing. 

Please, help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded 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