vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I am writing to formally dispute numerous unauthorized hard inquiries listed on my TransUnion credit report. I did not authorize these inquiries, nor did I apply for any credit with the companies listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( f ), no one may obtain my credit report without a permissible purpose, and 15 U.S. Code 1681i ( a ) requires that any disputed items be investigated within 30 days. 

Here are the inquiries I am disputing : 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 Older Inquiries ( to also be reviewed ) : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-19 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: IL

Complaint narrative:
I am writing to formally dispute numerous unauthorized hard inquiries listed on my TransUnion credit report. I did not authorize these inquiries, nor did I apply for any credit with the companies listed below. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( f ), no one may obtain my credit report without a permissible purpose, and 15 U.S. Code 1681i ( a ) requires that any disputed items be investigated within 30 days. 

Here are the inquiries I am disputing : 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 Older Inquiries ( to also be reviewed ) : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NC

Complaint narrative:
Didn't go the 2nd semester and the loan went on my credit. Trying to go back to school and I can't get another loan until this one is paid off.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

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 2025-06-19 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: LA

Complaint narrative:
I am writing to file a formal complaint against CarMax XXXX, XXXX, for failure to deliver a valid certificate of title within the legally required timeframe following my purchase of a XXXX XXXX XXXX in XX/XX/XXXX. Account Number : XXXX Summary of Incident : I traveled from XXXX  XXXX XXXX XXXX XXXX XXXX ) to XXXX  to purchase this vehicle. During the purchase process, the CarMax Business Manager changed my mailing address against my will, stating that my license reflected XXXX  and that they had to change the address. I was pressured to sign rental documents under these conditions. I later discovered the financing was incorrectly processed through CarMax Auto Finance, rather than XXXX XXXX, whom I have used for previous vehicle loans. 

After the sale, I returned to XXXX, where I resided at the time. When I attempted to register the vehicle with the XXXX  XXXX XXXX XXXX XXXX, I was informed that they had never received the title. It has now been over one year, and I still do not possess a valid title or registration for this vehicle. 

Violation of Florida Law : Pursuant to Florida Statute 319.23 ( 6 ) ( a ) : If a licensed dealer acquires a motor vehicle or mobile home for resale, the dealer shall, within 30 days after the date of sale, apply for a certificate of title in the name of the purchaser. 

CarMax has failed to comply with this requirement. 

Despite multiple attempts to resolve this issue : I filed a complaint with CarMax on XX/XX/XXXX, under Case # XXXX. 
I have had numerous email exchanges with a representative named XXXX, who claimed they filed for it but offered no resolution. 
When I called the XXXX store and asked to speak with the Business Manager, I was verbally attacked, told, Nobody made you sign it, and hung up on. 

Ongoing Harm : I have been unable to register or legally operate the vehicle. 
I have been forced to rely on a second vehicle for transportation. 
I am making loan payments for a vehicle I can not use or legally own. 
My credit has been negatively impacted by this ongoing issue. 
The situation raises serious concerns about fraudulent and deceptive sales practices and possible violations of consumer lending laws. 

Requested Resolution : I am requesting the removal of all negative payment history and credit reporting associated with this loan. 
I request the full return of the vehicle to CarMax. 
I request that all financial liability and association with this vehicle be removed from my name and credit report immediately. 

This situation is unacceptable, unlawful, and has caused unnecessary financial and emotional hardship. I ask for immediate intervention from both the Consumer Financial Protection Bureau and the XXXX  XXXX to hold CarMax accountable and restore my legal and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-06-19 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: NY

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXXXXXX XXXX  was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX  faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1

. Conduct a thorough and impartial reinvestigation of the disputed items. 2. Delete or correct all inaccurate, incomplete, or unverifiable information. 3. Provide me with a copy of the
updated credit report reflecting these changes.

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 
XXXX - 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 2025-06-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: LA

Complaint narrative:
I went online to purchase an air conditioner as the one that we have is not blowing cool air. I found XXXX on a website that was supposed to be {$99.00} and free shipping. The item was supposed to be shipped by the XXXX or XXXX of XXXX I never received the item so I contacted them via email and I havent gotten a response from them so I contact the Cash app and Cash app says that the merchant delivered the items but where is the proof? Where is the picture? How did you contact the merchant? I havent gotten any of that information from Cash app because I am on a fixed income and I need my money back. The second issue is my son took a survey off of XXXX which accommodations for that survey was a pair of tennis shoes. All he had to pay was {$13.00} and now he hasnt gotten the shoes, nor cash app refund the money as they are saying the same thing when it comes to this company. 
Then it says on the website continue shopping but it doesnt sell air conditioners not in the advertising still available to view

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
On XX/XX/XXXX I checked my accounts with State Employees Credit Union. I have multiple accounts, checking, savings, auto loan, credit card, etc. Si I am on checking accounts daily. XX/XX/XXXX I had {$1500.00} left on my credit limit for a SECU credit card with a limit of {$11000.00}. On XX/XX/XXXX I was {$170.00} plus change over drawn on my credit card, without making any purchases. I called SECU, my understanding they ran my credit report without my approval, they changed my credit limit from {$11000.00} down to {$10000.00}. I have never been late nor delinquent in my payments. By SECU altering my credit limit to lower amount they intentionally made me overdrawn on my credit card. So I have several complaints. I recieved no notification although when calling them SECU stated they sent a letter on XXXX XXXX, yet state law requires 10 business days. SECU altered my account in 24 hours without my permission to even go into an account that is in my name. Then alter without my knowledge or permission. And to top it off, make me default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I submitted an opt-out letter to all credit reporting agencies and XXXX XXXX XXXX XXXX on XX/XX/XXXX, revoking any and all prior consents and requesting removal of this item. This account is reported as a Collection opened in XXXX and XX/XX/XXXX, and is not authorized or verifiable with my consent. 

I request immediate deletion of this tradeline from my credit report and a formal statement ensuring it will not be re-reported. 

Attached : Copy of opt-out letter, credit report excerpt, FTC fraud report, FTC notice to furnishers, proof of address, removal letter and proof of identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I submitted an opt-out letter to all credit reporting agencies and XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, revoking any and all prior consents and requesting removal of this item. This account is reported as a Collection opened in XXXX and XX/XX/XXXX, and is not authorized or verifiable with my consent. 

I request immediate deletion of this tradeline from my credit report and a formal statement ensuring it will not be re-reported. 

Attached : Copy of opt-out letter, credit report excerpt, FTC fraud report, FTC notice to furnishers, proof of address, removal letter and proof of identity.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I submitted an opt-out letter to all credit reporting agencies and XXXX XXXX XXXX XXXX  on XX/XX/XXXX, revoking any and all prior consents and requesting removal of this item. This account is reported as a Collection opened in XXXX and XX/XX/XXXX, and is not authorized or verifiable with my consent. 

I request immediate deletion of this tradeline from my credit report and a formal statement ensuring it will not be re-reported.

Attached : Copy of opt-out letter, credit report excerpt, FTC fraud report, FTC notice to furnishers, proof of address, removal letter and proof of identity.

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