vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-08 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: RI

Complaint narrative:
{ XXXX XXXX  XXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { XXXX XXXX XXXX }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within XXXX ( XXXX ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

Sincerely, { XXXX XXXX XXXX }

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: RI

Complaint narrative:
{ XXXX XXXX  XXXX } Subject : Request for Investigation and Deletion Under FCRA Section 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern : I am writing to formally exercise my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking of information resulting from identity theft from consumer reports. 

I, { XXXX XXXX XXXX }, am the victim of identity theft. I have identified inaccurate and fraudulent information on my consumer report that did not originate from any action of mine. Pursuant to Section 605B, I respectfully request that you investigate this matter and ensure that any consumer reporting agency in possession of this data promptly deletes or blocks the erroneous information. 

Enclosed are the following documents, as required by law : A copy of my government-issued ID Proof of address A Copy Of my social security card A detailed list of the fraudulent accounts or information to be blocked Under FCRA 605B, consumer reporting agencies are required to block such information within XXXX ( XXXX ) business days of receipt of this documentation. Therefore, I kindly request your office ensure compliance and follow up with the agencies involved to guarantee that my consumer rights are upheld and the harmful data is removed promptly. 

Please provide written confirmation that the disputed information has been blocked or deleted from my consumer file. 

Thank you for your immediate attention to this matter. 

Sincerely, { XXXX XXXX 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
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: KS

Complaint narrative:
I do not know where or what this debt is and I would like it removed from my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: PA

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UPGRADE, INC.
State: PA

Complaint narrative:
I Disputed charges with a company called XXXX in the amount of XXXX the items were not authentic, clothes smell like they were water damaged, and I was charged additional funds that I didn't agree with, tried to speak with customer service about the issues with the XXXX XXXX and no response is what I got, some items said I would receive a refund and never got the credit returned, the items came with no way to return items, so I Disputed charges with my cc, and they never got in touch with the XXXX XXXX so they made me responsible for the bill if you can't get in touch with them, then I felt like they should have ruled in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: GA

Complaint narrative:
The following accounts were disputed with all credit bureaus due to regular late payments that I believe were reported inaccurately. One bureau found the information to be incorrect and removed the late payments from my credit report. However, the other bureaus either failed to respond appropriately or returned generic, unverifiable responses. This has resulted in inconsistent credit reporting across bureaus and demonstrates non-compliance with FCRA obligations to correct or remove unverifiable data. 
XXXX XXXX Balance : {$24000.00} XXXX XXXX L XXXX Balance : {$2900.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$250.00XXXX XXXX XXXX Balance : {$250.00} XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : {$360.00} XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX Inquiry date XX/XX/year> XXXX XXXX  Inquiry date XX/XX/year> 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
Consumer complaint received 2025-08-08 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-08-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: AL

Complaint narrative:
This complaint is against Carmax Cooperation for keep reporting inaccurate information on my credit report I filled a complaint against them a few weeks ago about reporting late payments when there wasn't any now they have been reporting information for the last two on all three credit bureaus with remarks but not say anything which drops my credit score by sixteen points

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
On XX/XX/year>, I sent Jefferson Capital Systems a written debt validation request regarding a collection account in the amount of {$760.00}. USPS tracking confirms delivery at XXXX XXXX  on that date. 
In my letter, I requested proof of authorization to collect, a copy of the original signed contract, a full accounting of the debt including all charges and interest, and the name and address of the original creditor, as required by the Fair Debt Collection Practices Act ( FDCPA ). 
As of today, the company has not provided any of the requested information. Despite this, they have continued to report the account to credit bureaus and engage in collection activities, which violates 15 U.S. Code 1692g ( b ). 
I am filing this complaint to request the removal of this account from my credit report and to ensure the company ceases all collection activity until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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: MN

Complaint narrative:
The bureau 's are reporting that this account was " last updated '' in 2025, but the account was closed years ago and hasn't had any activity since. Updating an old account with a new date is inaccurate and makes it look newer than it is. This is re-aging, which is not allowed under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-08 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: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-08 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: GA

Complaint narrative:
I originally submitted a complaint regarding my credit report with Transunion. I received a response on XX/XX/year> stating that it was deleted. I checked my report on XX/XX/year> and XX/XX/year> and the information still remained. It should be noted that the XXXX XXXX account that is appearing on my Trans Union. Credit report was open under the name XXXX XXXX when in fact, my name is XXXX XXXX. Also the address thats on the XXXX account after speaking with XXXX XXXX is not an address that is appearing on my Trans Union report.

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 2025-08-08 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: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
I originally submitted a complaint regarding my credit report with XXXX. I received a response on XX/XX/year> stating that it was deleted. I checked my report on XX/XX/year> and XX/XX/year> and the information still remained. It should be noted that the Apple Card account that is appearing on my XXXX XXXX. Credit report was open under the name XXXX XXXX when in fact, my name is XXXX XXXX. Also the address thats on the Apple account after speaking with Goldman Sachs is not an address that is appearing on my XXXX XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: OK

Complaint narrative:
True accord XXXX XXXX XXXX, XXXX XXXX, XXXX, KS XXXX RE : Cease and Desist Alleged Debt Collection To Whom It May Concern, This letter serves as my formal Cease and Desist request under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ). I demand that you immediately stop all communication with me regarding the alleged debt connected to my name and/or personal information.

I dispute the validity of this alleged debt and require that you provide full debt validation before any further collection action. This includes : 1. The name and address of the original creditor.

2. A detailed statement of the amount claimed, including itemization of fees and interest.

3. Documentation proving I am legally obligated to pay this debt. 
You are hereby instructed to cease all phone calls, letters, emails, or other contact regarding this matter, except to provide the requested validation or to inform me that no further collection attempts will be made.

If you continue to pursue this matter without proper validation, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Oklahoma Attorney Generals Office. I will also consider pursuing legal action for any violations of my rights under federal or state law.

You have 15 days from the date of receipt of this letter to comply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake financial is calling me demanding a money for a car I never signed paperwork on a XXXX XXXXXXXX want tell me how they got my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX : Customer Service XXXX XXXX XXXX XXXX, NY XXXX Re : Dispute of Late Payment and Fees on Account Ending in XXXX Account # : XXXX Reference # : surge mastercard Dear Continental Finance , I am writing to formally dispute an inaccurate late payment and the associated late fee that has been applied to my account ending in XXXX. According to my records, payments are made on time. However, a late payment has been reported on my account, with a corresponding late fee added. This is unacceptable, as I have consistently ensured my payments were submitted promptly.

Under the Fair Credit Billing Act ( FCBA ), it is prohibited for creditors to assess late fees or report late payments when payments are made on time. I strongly believe this is an error, and I request the immediate removal of this erroneous late payment and the associated fee.

Further, under the Fair Credit Reporting Act, specifically Section 623, it is illegal for any creditor to report inaccurate or incomplete information to a consumer reporting agency. Continental Finance is currently reporting inaccurate information on my credit file, which is a violation of this act. I request the immediate correction of this erroneous information. 

To resolve this matter, I demand that you provide me with a copy of Continental Finance 's daily journal where all payments to my account are posted. This document is part of your daily business records, and I believe it will prove that my payments were made on time and should not have resulted in a late fee.

Please address this dispute promptly, and I expect to hear back from you with a resolution within the statutory XXXX period outlined in the Fair Credit Billing Act. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX last XXXX of account # 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
Consumer complaint received 2025-08-08 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-08 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:
I am filing a complaint to request the immediate removal and permanent blocking of unauthorized and fraudulent items from my credit file, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) specifically, Section 605B ( 15 U.S.C. 1681c-2 ) regarding identity theft and Section 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) concerning inquiries made without permissible purpose.

I am a victim of identity theft. The following accounts and/or inquiry were opened or made without my knowledge or authorization and are not associated with any legitimate activity on my part : Accounts to Be Blocked : XXXXXXXX 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 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 XXXXXX/XX/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