vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: AR

Complaint narrative:
have reason to doubt the accuracy of the information provided by this account. To my knowledge, I have never entered into any legal obligations with this company. I require concrete evidence establishing the ownership of this account. Specifically, I request a signed contract, the sole legal document that could substantiate any agreement. Kindly remove this account until such proof is provided. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-07-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have had a checkings and savings account with Capital one for over a year now. Recently I opened a credit card with them. When the card arrived, I used it twice with a total of about {$50.00} dollars. The next day my FULL account was restricted and I no longer have access too ALL of my accounts. I called and after multiple transfers they mentioned I needed to verify my ID and proof of residence for the new credit card. They still haven't given me any good reason why my entire account has been restricted though. Why I can't access any of my funds and savings account only to verify my identity for a new credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
Subject : Dispute of Credit Report Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Agency Address ] [ City, XXXX, Zip Code ] I am writing to dispute certain information in my credit report, as I believe this information is inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681i, I have the right to dispute any information that I believe is incorrect or incomplete. 



I am requesting a reinvestigation of the following item ( XXXX ) on my credit report : [ List the specific items you are disputing, including account numbers and details. ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have included supporting documentation to substantiate my claim, which I believe will assist in the reinvestigation process. Please correct or remove the inaccuracies in accordance with your obligations under the FCRA. 



Thank you for your prompt attention to this matter. I look forward to your response within the required timeframe. 



Sincerely, XXXX XXXX [ Enclosures : List of documents enclosed, if any ]

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 2025-07-15 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Block, Inc.
State: GA

Complaint narrative:
Back in XXXX my initial cash app account was closed unexpectedly without explanation, and when I contacted to ask I was not given any reasons as to why. I still had funds in my account and I never received them. Nevertheless, throughout the years I was not able to create a new account until a little over XXXX months ago. However, I still can not get another card with them. I also still have not received any further updates of my past account. My last conversation with them a little over XXXX months ago, I explained the issue and had the customer service agent confirm that there were several profiles under my name from the year XXXX, yet my XXXX and only account was the account closed unexpected between XXXX. No additional account since. Though I was attempting to create a new account, I tried with fake names I created after making XXXX with my actual name that did not work, so there still should not be several under my government name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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 request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

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 2025-07-15 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/year>, Date : XXXX Subject : Dispute of Fraudulent Information Under 15 U.S. Code 1681c-2 ( Identity Theft ) To Whom It May Concern, I am writing to formally dispute and request the immediate blocking of fraudulent information on my credit report in accordance with 15 U.S. Code 1681c-2, which provides protections for victims of identity theft. 

I am a victim of identity theft, and certain items on my credit report do not relate to any accounts I have opened or authorized. In accordance with federal law, I am requesting that XXXX block the reporting and future furnishing of this information. Below is a list of the fraudulent items that must be removed : Disputed Accounts : 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  Enclosed are the required documents to support my dispute, as required under 15 USC 1681c-2 : 1.A copy of my government-issued photo ID XXXX police report or identity theft report ( as defined under 15 USC 1681a ( q ) ) 4.A statement explaining that the information listed above resulted from identity theft Under 15 USC 1681c-2, you are legally obligated to block this XXXX within XXXX business days of receiving my request and documentation. Please confirm in writing that the requested accounts have been removed and will not be reinserted into my credit file. 

Thank you for your prompt attention to this matter. Please send all future correspondence related to this dispute to the address listed above. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
On or around XX/XX/year>, I discovered that a tradeline associated with XXXX is still reporting derogatory data across all major consumer credit bureaus ( XXXX, XXXX, and XXXX  ) . The information reported includes abnormally high credit utilization ( above 75 % ), which is materially harming my credit score and public financial standing. 

No original contract, validation, or itemized accounting was ever presented by the data furnisher. I formally disputed the account in accordance with the Fair Credit Reporting Act ( FCRA ), and no reinvestigation or response was completed within the 30-day statutory period. Additionally, the account may be charged off or sold to a third party, which, if true, invalidates the furnishers right to continue reporting without consumer reauthorization. 

Due to the failure to validate this information and the willful continuation of reporting after formal dispute, I believe this constitutes : A violation of FCRA 1681e ( b ), 1681i, and 1681n A violation of FDCPA 1692e and 1692g A potential fraudulent transmission under Title 18 U.S.C. 1001 A clear instance of reputational and financial harm As a result, I am seeking immediate deletion of this account from all credit reports, a formal investigation into the data furnishers conduct, and compensation for damages incurred.

A formal legal enforcement letter has been issued and self-notarized. I am prepared to escalate this matter to federal court and initiate regulatory filings with the FTC, OCC, and DOJ if full compliance and deletion are not executed. 

Digital signature : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I recently reviewed my credit file and discovered a collection account that I did not authorize, open, or agree to in any form. I am bringing this to your attention in good faith as I strive to maintain a clean and accurate credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AZ

Complaint narrative:
This letter serves as a formal dispute of a collection account that has been reported to my credit file. I did not authorize or originate this account, and I strongly assert that it is fraudulent.

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 2025-07-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Date : XX/XX/XXXX Subject : Dispute of Account Request for Validation, Cease and Desist Reporting, Chain of Assignment & Removal of Inquiries To Whom It May Concern : This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), including 15 U.S.C. 1681c-2 ( deletion of obsolete or inaccurate information ), 1681i ( reinvestigation ), and 1692g ( validation ). I demand immediate investigation and removal of all unverifiable or inaccurate data. 

Account Information : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Creditor : Eastern Account System of Connecticut , Inc . 

Address : XXXX Park XXXX XXXX, XXXX, CT XXXX Legal Grounds : XXXX5 U.S.C. 1692g : Debt validation requirement.

15 U.S.C. 1681s-2 : Prohibits reporting inaccurate data.

15 U.S.C. 1681b : Limits access to permissible purposes.

15 U.S.C. 1641 : Requires full chain of assignment.

15 U.S.C. 1692e ( 2 ) ( A ) : Forbids misrepresenting legal debt status.

15 U.S.C. 1692f : Bans unfair collection practices. 

Supporting Cases : Green v. XXXX XXXX XXXX. ( XXXX ) : Debt buyers must show complete chain-of-title. 

XXXX Concrete FCU v. XXXX, XXXX XXXX. XXXX : Original contracts required ; billing statements insufficient. 

Issues Identified : Account reported as XXXX, misrepresenting true status. 

XXXX altered repeatedly to reset statute of limitations. 

Demand for Immediate Deletion & Cease Reporting : If unable to validate with original contract, chain of assignment, and complete account history, you must delete this from TransUnion, Equifax, and Experian files under 15 U.S.C. 1681i. I also demand you immediately cease reporting this account.

Legal Notice : Failure to comply within 30 days will result in legal action under 15 U.S.C. 1681n, 1681o, and XXXX for statutory, actual, and punitive damages plus attorney fees. Complaints may also be filed with the CFPB and other regulators. 

XXXX XXXX : Provide written confirmation of deletions, updated credit reports, and all documentation relied upon in your investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Experian XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXXXXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian XXXX XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian XXXX XXXXXX/XX/XXXX Experian

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 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX is reporting an address that I am not associated with. I have written then a few times. One of the letters to Transunion was certified. They have to yet to rectify this problem. 

I do not live at the below addresses : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX current and only address is XXXX XXXX XXXX Port XXXX, LA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TX

Complaint narrative:
I have recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. 

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-15 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: CA

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company 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 2025-07-15 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: OR

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that this account are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX Date Opened XXXX XXXX XXXX : {$30.00}, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureau must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to correct the erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$6600.00}

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 2025-07-15 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: NV

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-07-15 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: LA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: LA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit.

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 2025-07-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: GA

Complaint narrative:
On or around XX/XX/XXXX, my XXXX XXXX XXXX XXXX was impounded. I was not provided timely or sufficient notification of the impoundment or the recovery process. CarMax then assessed storage fees, recovery charges, and late fees that I dispute. 

Additionally, I believe the account balance and payoff calculation are inaccurate. The ledger they provided ( dated XX/XX/XXXX ) does not include supporting documentation such as the original contract, invoices for recovery fees, or proof of notification. 

I also have concerns that the tradeline is being reported to the XXXX XXXX  in a derogatory manner that is either duplicative or excessive. Specifically, the reporting appears to reflect multiple XXXX-XXXX  notations or negative entries for the same account, causing additional damage to my credit profile beyond a single event. 

I submitted complaints to CarMax multiple times. Their responses simply repeated that their reporting is accurate but did not address my requests for evidence or validation of the debt, including itemized charges, proof of notification, and a clear explanation of how this account is being reported. 

I am requesting that CarMax provide complete documentation validating the amounts owed, including all notices and detailed invoices, and correct or remove any inaccurate or excessive derogatory reporting from my credit file. I also request that they cease collection of the disputed fees until this matter is fully resolved.

Company response to consumer: Closed with explanation