vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: CA

Complaint narrative:
I am disputing the reporting of inaccurate personal information and accounts on my credit file. My report reflects several inaccurate addresses not associated with me, including XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX and XXXX Main, XXXX, CA XXXX XXXX The presence of these false addresses raises concerns about the accuracy of my file and the potential misassociation with accounts that are not mine. Additionally, several accounts are inaccurately reported : XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX reported with a balance of {$4000.00} containing inaccurate delinquency notations. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$660.00} showing inconsistencies. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$1400.00}, inaccurately reflecting my payment history. 
COMENITYCAPITAL/SEPHOR XXXXXXXX XXXX XXXX XXXX XXXX  reported with a balance of {$6600.00}, not fully verified. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reported with a balance of {$1000.00}, inaccurately reflecting derogatory history. 
XXXX XXXXXXXX XXXX XXXX XXXX  shows {$0.00} balance but continues to reflect as open or derogatory. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported with a balance of {$7700.00} with conflicting data. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXeported with a {$0.00} balance but still showing derogatory impact. 
Furthermore, my file reflects an inquiry from XXXX XXXX  on XX/XX/year>, which may not have been authorized and therefore may not meet the standard of a permissible purpose under FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ]. These errors violate the FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy, and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], which prohibits furnishers from reporting information they know or should know is 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 explanation
Consumer complaint received 2025-09-30 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: CarMax, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/2025 To : CarMax Auto Finance XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Subject : Cease and Desist Notice Account No. XXXXXXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, I am writing to formally demand that you cease and desist all forms of communication and collection activities regarding the above-referenced account. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I am exercising my right to request that you immediately stop contacting me by telephone, mail, or any other means concerning this alleged debt. 

Please consider this letter as my official notice that any further direct contact from CarMax Auto Finance, its agents, or representatives must stop immediately. Any future communications regarding this matter should be made in writing only and sent directly to my address listed above. 

If you believe you have a valid legal claim, you are hereby notified that you may pursue such claim through the appropriate legal channels. However, any further attempts to collect, including repeated calls, letters, or threats, will be considered harassment and a violation of my rights under federal and state law. Such actions will be documented and may result in legal action against you. 

Thank you for your prompt attention to this matter. 

Sincerely, _________________________ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: PatientFi, Inc.
State: TN

Complaint narrative:
My balance for a loan from PatientFi stopped updating on my credit report as I was paying it off. I contacted them and they said they'd submitted it recently. It never updated after XX/XX/year> and I filed a dispute with my statements from them, banks I paid from, and current balance shown in their XXXX. They updated payment history through XXXX and reasserted the old balance from XXXX. XXXX  was tracking the balance correctly but after the dispute updated it to the higher balance from XXXX. I filed another dispute with more statements and they resolved it asserting that the info they reported was correct. The balance on my report will soon be over-reported by over {$7000.00} and it's hurting my ability to get personal credit card limit increases and credit cards for my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 submitting this follow-up complaint regarding inaccuracies that continue to appear on my credit report despite previous disputes. Upon review, I identified several items that are inaccurate, misleading, and detrimental to my credit profile. 
XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  shows a XXXX balance but is reported inaccurately, failing to reflect proper closure. Reporting this violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), 611 ( a ) 15 U.S.C. 1681i ( a ), and 623 ( a ) ( 2 ) 15 U.S.C. 1681s-2 ( a ) ( 2 ). This account must be removed unless properly validated.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( reported without 1099-C issuance for debt over {$600.00} ) These accounts are reported inaccurately, violating FCRA 611 ( a ) and 605B 15 U.S.C. 1681c-2. Any account that can not be verified or properly documented must be removed.the following inquiries appear on my credit report without my authorization, violating FCRA 619 15 U.S.C. 1681q, 604 ( f ) 15 U.S.C. 1681b ( f ), and 604 ( a ) 15 U.S.C. 1681b ( a ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese inquiries must be removed immediately as they were not authorized and have no permissible purpose.

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 2025-09-30 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: GA

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-09-30 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: IL

Complaint narrative:
I am submitting this follow-up complaint because the issues I raised in my prior dispute remain unresolved. My credit report still contains multiple accounts that are inaccurately reported, duplicated, or unverifiable, and these entries continue to misrepresent my credit history. 
The repeated and conflicting reporting includes, but is not limited to : XXXX  XXXX XXXX reported on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX XXXX reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and additional repeated entries. 
XXXX XXXX reported on XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. 
XXXX ( XXXX ) and XXXX also appear more than once. 
These duplicates create the false impression that I have more active or negative accounts than actually exist. This not only damages my credit profile but also undermines my ability to access fair credit opportunities. 
As a consumer, I have the right under the Fair Credit Reporting Act to expect that my file will only contain information that is accurate, fair, and verifiable. Reporting the same account multiple times with different dates, balances, or statuses violates FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires proper reinvestigation of disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX XXXXnd TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
FACTUAL ALLEGATIONS XXXX. On or about [ To be supplied by Defendant ], Plaintiff entered into a loan agreement with Defendant. 
XXXX. Plaintiff relied on Defendants representations and disclosures when deciding to enter into the loan agreement. 
XXXX. Defendant engaged in unfair, deceptive, and unlawful conduct, including but not limited to : o Misrepresenting or failing to disclose key loan terms ; o Charging unlawful or excessive fees and interest in violation of state and federal laws ; o Engaging in abusive and unlawful debt collection practices ; o Breaching contractual duties owed to Plaintiff ; o Mishandling Plaintiffs personal and financial information, resulting in a data breach and privacy violations ; o Harassing Plaintiff in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 
XXXX. As a direct and proximate result of Defendants conduct, Plaintiff has suffered financial losses, emotional distress, reputational harm, and damage to credit standing.

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 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: PA

Complaint narrative:
The company is called Credance resource management they call me repeatedly 7 times a week telling me of the dept that I owe ( {$1200.00} ) I believe and I ask them to give me a dept validation letter of it to confirm its legit and so I can track it if anything happens and they dont want to provide me with that telling me I dont need that and they keep asking for my bank information or to pay it with XXXX, they call me in different numbers on XX/XX/year> they called me with a number from New York and and thats not even their company number which makes me think its a scam as well as them not giving me the dept validation letter when Im on call with them they transfer me so much and I got ta talk to so many people and just dont get the information I want, I get transferred so much and I feel like Im being forced to comply with them they dont even let me speak on the phone I dont even know if I can trust them and they want to get mad at me when I ask for a validation letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NBT BANCORP INC.
State: PA

Complaint narrative:
Company : NBT Bank Product : Checking account / Overdraft fees Issue : Unfair/deceptive overdraft practices Complaint : I am a long-time customer of NBT Bank. Since moving to XXXX in XXXX, I have been unable to access my account online because the bank does not accept a XXXX phone number for verification. Because of this, I called the bank many times ( at least XXXX times over the years ) to ask if there was any way to prevent overdrafts so I would not be charged fees. 

I was repeatedly told there was no option other than to pay closer attention to my account, even though I had no online access to monitor it. As a result, every time a transaction went through without enough funds, the bank automatically processed it and charged overdraft fees, instead of declining it. 

Only in XX/XX/XXXX was I finally told by a teller that there is, in fact, an account option that declines transactions when funds are insufficient. Had this been disclosed to me earlier, I would have chosen that option immediately. Because I was misled for years, I have likely paid {$2500.00} {$3000.00} in overdraft fees since XXXX. 

This is an unfair and deceptive practice : The bank automatically opted me into overdrafts and fees. 

They failed to disclose the existence of an account option that would have prevented overdrafts. 

They misinformed me repeatedly, causing significant financial harm. 

Requested resolution : Refund overdraft fees charged from XXXX XXXX ( at minimum from XXXX XXXX, but ideally for the full years ). 

Confirm my account is now set so that transactions are declined if funds are not available. 

Review disclosure and training practices so customers are not misled in the future.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am officially requesting the removal of this inaccurate account from my credit report, as I did not authorize its creation or use. Supporting documents are enclosed to validate my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I am submitting this follow-up complaint regarding inaccuracies that remain on my credit report despite prior disputes. After reviewing my file, I identified several items that are inaccurate, misleading, and harmful to my credit profile.UpXXXX and XXXX XXXX Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX  all showing a {$0.00} balance, are reported inaccurately and without proper verification. Reporting these accounts violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and Section 605B 15 U.S.C. 1681c-2. Since these accounts can not be properly verified, they must be removed from my credit report.The following inquiries appear on my credit report without my authorization : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized and violate FCRA 619 15 U.S.C. 1681q ( obtaining information under false pretenses ), FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), and FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) ( access to consumer reports for permissible purposes only ).

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against WELLS FARGO BANK N.A a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. WELLS FARGO CARD SER 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