vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo recently issued me a cashiers check for {$1.00}, claiming it was related to a correction. However, they have refused to provide any explanation or documentation showing what this refund was for. When I reviewed my credit file and internal account activity, I noticed they also altered the payment status of past months retroactivelyfor example, changing XXXX and XXXX from 30 days late to OK without notifying me of the reason or confirming the impact. 

This appears to be either : an internal accounting error, or an attempt to quietly fix data they had misreportedyet they are still allowing damaging information to remain on file and have not resolved the issue completely or clearly. 

When I requested clarification, I received generic responses that did not address the sudden {$1.00} refund or the retroactive changes in my accounts monthly status fields. 

This complaint is not a duplicate of previous CFPB filings. It addresses a new incident of unexplained billing corrections, retroactive account manipulation, and a continued lack of transparency about how they report to credit bureaus.

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 2025-07-24 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: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: UT

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 2025-07-24 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : [ XXXX ] Email : [ XXXX ] Date : XX/XX/XXXX To : Credit Dispute Specialist Subject : Formal Dispute of XXXX  XXXX XXXX XXXX AccountAccount Name : XXXX  XXXXXXXX XXXX XXXXReport Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the accuracy and compliance of the XXXX XXXX XXXX XXXX tradeline currently appearing on my credit report dated XX/XX/XXXX. 

I am requesting a full reinvestigation and validation of this account under the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX Credit Reporting Guidelines.I have reason to believe the account is either : - Inaccurately reported- Incomplete in structure or data- Not in compliance with XXXX XXXX reporting formatPursuant to : - FCRA 1681i ( a ) : Reinvestigation of disputed information within 30 days- FCRA 1681s-2 ( b ) : Furnishers must investigate and correct inaccurate information- FCRA 1681e ( b ) : Maximum possible accuracy- XXXX XXXX  Format : Full compliance required for tradeline dataIf Capital One Auto can not verify this information using original source documentation, the account must be removed immediately.

If not corrected or removed within 30 days, continued reporting constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o and may also violate FDCPA 807 if the reporting is misleading or false.Requested Actions:1. Reinvestigate the XXXX XXXX XXXX XXXX account2. Delete the account if unverifiable3. Provide : - XXXX XXXX data fields ( status codes, ECOA code, etc. ) - Method of verification - Contact information for the furnisherEnclosed are my government-issued ID, proof of address, and a copy of the credit report showing the disputed item.Please respond in writing within 30 days. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CL Holdings LLC
State: NV

Complaint narrative:
Contacted Jefferson capital by phone and in person to validate debt in XXXX did not receive a response showing validation of debt and original debtor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: AL

Complaint narrative:
Equifax incomplaince discover and several accounts im demanding payment for violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CO

Complaint narrative:
I am insisting on the prompt deletion of the disputed item and immediate escalation of this matter to an Experian compliance supervisor. Failure to resolve this swiftly will result in a formal complaint to the Office of the Inspector General ( OIG ) and a request for intervention from congressional authorities. 
XXXXXXXX XXXX XXXXXXXX XXXX  XXXX - XXXXXXXX XXXX XXXXXXXX

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CarMax, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : [ XXXX ] Email : [ XXXX ] Date : XX/XX/XXXX To : Credit Specialist Subject : Formal Dispute of CarMax Auto Finance AccountAccount Name : CarMax Auto FinanceReport Date : XX/XX/XXXX To Whom It May Concern, This letter serves as a formal dispute regarding the accuracy and compliance of the CarMax Auto Finance tradeline currently appearing on my credit report dated XX/XX/XXXX. 

I am requesting a full reinvestigation and validation of this account under the Fair Credit Reporting Act ( FCRA ) and Metro 2 Credit Reporting Guidelines.I have reason to believe the account is either : - Inaccurately reported- Incomplete in structure or data- Not in compliance with Metro 2 reporting formatPursuant to : - FCRA 1681i ( a ) : Reinvestigation of disputed information within 30 days- FCRA 1681s-2 ( b ) : Furnishers must investigate and correct inaccurate information- FCRA 1681e ( b ) : Maximum possible accuracy- Metro 2 Format : Full compliance required for tradeline dataIf CarMax Auto Finance can not verify this information using original source documentation, the account must be removed immediately.If not corrected or removed within 30 days, continued reporting constitutes willful or negligent noncompliance under 15 U.S.C. 1681n and 1681o and may also violate FDCPA 807 if the reporting is misleading or false.Requested Actions:1. Reinvestigate the CarMax Auto Finance account2. Delete the account if unverifiable3. Provide : - Metro 2 data fields ( status codes, ECOA code, etc. ) - Method of verification - Contact information for the furnisherEnclosed are my government-issued ID, proof of address, and a copy of the credit report showing the disputed item.Please respond in writing within 30 days. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my TransUnion credit report related to my loan account with XXXX XXXX ( Account opened : XX/XX/XXXX, Balance : {$0.00}, Closed : XX/XX/XXXX ). 

Nature of Dispute : TransUnion has reported multiple missed payments on this account in early XXXX, which is incorrect. According to my XXXX  credit report, this same account reflects 100 % on-time payments, with no missed or late payments reported. 

Evidence : I have attached screenshots from both my TransUnion and XXXX  reports, as seen through XXXX XXXX. 
The first screenshot ( XXXX  ) shows a perfect payment history with 100 % of payments made on time. 
The second screenshot ( TransUnion ) incorrectly shows several missed payments from XXXX to XX/XX/XXXX, despite the account being fully paid off and closed as of XX/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 non-monetary relief
Consumer complaint received 2025-07-24 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: CA

Complaint narrative:
I am requesting the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
I am a victim of identity theft due to the data breach. Please Removed and block these accounts within 4 days. Accounts in question are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This request is made in accordance with several provisions of the Fair Credit Reporting Act ( FCRA ) : * * 15 USC 1681c-2 ( a ) * * : This statute requires consumer reporting agencies to block information resulting from identity theft. I request that all accounts fraudulently opened in my name be blocked immediately Ive attached my Identification, ssc, utility bill, data breach confirmation, dispute letter, and FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: UT

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: UT

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 non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: AL

Complaint narrative:
Account XXXX XXXX XXXXXXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.|

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, NC, denied there were errors according to XXXX XXXX, the resolution specialist explained about business decision to end banking relationship with me which I had not done anything wrong on XX/XX/XXXX and they think it's suspicious because I initiated a claim that was in my favor which debit card ending-in XXXX had been verified and closing the account ending in XXXX and XXXX and the debit card ending-in XXXX. But, the XXXX  had already sent out a final response when I submitted an authorization of a mortgage release form and on XX/XX/XXXX, then XXXX  XXXX XXXX is addressing these concerns with government agency ( see at attachment ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I am filing a formal complaint against XXXX  and USAA Savings Bank for illegally re-reporting a tradeline that was previously deleted from my credit report. The USAA account was reinserted without notice in violation of FCRA 611 ( a ) ( 5 ) ( B ), and contains numerous factual and legal inaccuracies, including repeated charge-off notations over multiple years, re-aging of delinquencies, missing 30-day lates, contradictory payment and closure dates, and an invalid date of first delinquency. These errors make the account factually and legally unverifiable. 

I have submitted over XXXX disputes regarding this account across several years, which were either ignored or falsely verified without legitimate investigation. This repeated conduct has caused ongoing harm to my credit, denied me access to credit products, and violated both the Fair Credit Reporting Act and Florida consumer protection laws ( FDUTPA ).

The errors are not technical or minor they represent a pattern of unlawful, damaging credit reporting that XXXX and USAA have continued to maintain despite documented proof and prior removal of the account.

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 2025-07-24 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: CL Holdings LLC
State: MD

Complaint narrative:
I sent a written request to the company asking for validation of the debt, including the name of the original creditor, a breakdown of the amount claimed, and proof that I am legally responsible for this account. I also requested the removal of the account from my credit report if they could not provide this information. 

As of today, I have not received a sufficient response or proper documentation. Despite this, the negative item remains on my credit report, which is affecting my credit score and my ability to obtain housing and employment.

I believe this is a violation of my consumer rights, and Im requesting that this account be fully investigated and removed if it can not be verified with proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: CA

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. 

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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
Re : Notice of Dispute, Demand for Validation, and Cease and Desist To Whom It May Concern, This letter is your formal notice that I dispute your claim that I owe any debt to your agency, and I demand that you provide complete validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Let me be absolutely clear : you do not have my permission to contact me, and I have no contractual obligation with your agency.

You are attempting to collect a debt that has not been validated, and unless you produce a signed contract bearing my name and wet-ink signature, along with a full accounting of the alleged debt, you are in direct violation of federal law. As of now, no such agreement exists between myself and your agency. You are acting as a third-party interloper without legal standing. 

You are hereby instructed to cease and desist all communication with me including letters, calls, emails, or attempts to contact third parties until you provide the following within 30 days : 1. A copy of the original contract bearing my signature and the original creditors information.

2. A full itemization of the debt, including all dates, charges, and interest applied.

3. Proof that your agency has legal authority or assignment to collect this debt.

4. Your debt collection license number for my state and proof of your registration to conduct collections in this jurisdiction.

Until you satisfy all of the above, you are to cease all collection efforts. Any continued attempts to collect, harass, or report this debt to the credit bureaus without validation constitutes a violation of the FDCPA, and may also violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, if you report unverifiable or inaccurate information.

Failure to comply with this demand will result in immediate legal action, including but not limited to complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and your state attorney generals office. I will also pursue statutory damages of up to {$1000.00} per violation under the FDCPA, and will not hesitate to initiate civil litigation if necessary. 

This is your final notice. Govern yourselves accordingly.

Company response to consumer: Closed with non-monetary relief