vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Company illegally reporting fraudulent information to XXXX XXXX and XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XX/XX/year> Carmax Auto Finance XXXX XXXX XXXX XXXX XXXX, Va XXXX Re : Request for Debt Validation Account Number : XXXX To Whom It May Concern, I am writing in response to your letter dated XXXX XXXX regarding the alleged debt you claim I owe. This is not a refusal to pay, but a notice that I am disputing your claim and requesting full validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following : 1. The name and address of the original creditor.

2. The exact amount of the alleged debt, with an itemized statement showing how it was calculated.

3. Copies of any agreement or contract bearing my signature that makes me legally obligated to pay.

4. Proof that you are licensed to collect debts in Georgia.

5. Documentation that you own the debt or have been assigned to collect it. 

Until you provide proper validation, you must cease all collection activity, including reporting this debt to credit bureaus. If you have already reported it, you must immediately inform the credit bureaus that the debt is disputed. 

Please note that any attempt to collect without providing the requested validation is a violation of the FDCPA, and I will not hesitate to report your actions to the Consumer Financial Protection Bureau ( CFPB ), my state Attorney General, and other appropriate authorities. 

I request that all further communications be in writing only. 

Sincerely, XXXX XXXX

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 — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I'm contacting you because I recently discovered a credit inquiry on my report that I had no knowledge of, did not authorize, and did not initiate. This inquiry is fraudulent, plain and simple, and it should have never been made under my name. 

I have never applied for credit or given any form of consent to the company that pulled this inquiry. I only found out about it while reviewing my credit report, and Im furious that someone was able to access my personal credit file without my permission. This is not just a mistake it is unauthorized access to my private financial information, and it is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MD

Complaint narrative:
After reviewing my credit report XXXX XXXX collection account present with Account Resolution Corporation ( listed as Creditor ) ( account # XXXX ). Alleged creditor informed of XXXXXXXX XXXX  at XXXX. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the alleged, original obligation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Alleged creditor asked if they " have purchased the account " prove that you are HOLDER IN DUE COURSE of the alleged debt by providing, under the penalty of perjury, a certified, notarized copy of the alleged, original contract with my wet blue ink signature affixed. I demand to see a certified, notarized copy, under penalty of perjury, of the PURCHASE agreement between Account Resolution Corporation and creditor ( s ) of alleged debt.

XXXX XXXX sent list of XXXX questions to respond to within 30 days as Pre-Trail Admissions/Interrogatories/Discovery . Regarding inaccurate reporting I owe Account Resolution Corporation as recorded on credit report. alledged creditor informed of ( the fair deb collections practice act, fair credit reporting act, 15 usc1692 and truth in lending act ). Alleged credit notified of Claim dispute and Validation if demanded, this is not a request for " Verification '' or proof of my mailing address, but a request for VALIDATION. 

Subsequent 2nd and 3rd request sent XX/XX/XXXX and XX/XX/XXXX with no response from Alleged creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
dated as of XX/XX/year>, concerning the closure of her account ending in XXXX. States improper use of the claims process. Such an accusation is serious, damaging, and unsupported by any substantiated evidence or detailed investigatory findings. 
The record reflects the following undisputed facts : 1. Representatives XXXX and XXXX from the check-hold department confirmed that a note was entered authorizing the release of XXXX XXXX check . That note was subsequently deleted without explanation. 
2. On Friday, a representative from the complaints department attempted to assist but was unable to obtain information regarding the account. He assured our client of a follow-up, which has not occurred. 
3. A merchant refunded our client directly and provided written confirmation. Nevertheless, Chase later asserted that no one called or investigated the transaction. This inconsistency demonstrates material deficiencies in Chases investigation process.

4. Because Chase failed to execute its obligations, our client was forced to contact merchants directly to secure refunds.

This sequence of events reveals a pattern of deceptive, evasive, and unethical practices on the part of Chase Bank. Internal procedures appear to have been disregarded, and critical records were altered or removed. Such conduct raises serious questions about Chases compliance with state and federal banking regulations.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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.

I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I opened this credit card account in XX/XX/XXXXXXXX  and have always paid my bill on time. Despite this, the company reported a late payment in XX/XX/XXXX. This is inaccurate, as I made the payment on time. 

I disputed this with the company and with the credit bureaus, but the late payment remains on my credit reports with XXXX, XXXX, and XXXX. The company has not provided sufficient proof that the payment was actually late. 

This false reporting is negatively affecting my credit score and history. I am requesting that the XX/XX/XXXXXXXX  late payment be removed from all three credit bureaus and that my payment history be corrected to reflect on-time payments.

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: CA

Complaint narrative:
In XX/XX/year>, a collection account from XXXX XXXX XXXX was added to my credit reports, allegedly tied to XXXXXXXX XXXX XXXX with a balance of {$4600.00}. I do not now, nor at the time of this transaction, own a pet. I was incarcerated during the time this account was allegedly opened, making it impossible for me to have incurred veterinary charges. 

I went in person to the XXXX location and requested records. They provided me with an invoice that completely contradicts the balance being reported by XXXX XXXX XXXX. Their staff confirmed that they could not match me to any legitimate account. 

I also asked XXXX XXXX XXXX for validation, including : Proof of the original contract or signed service agreement Complete account history and itemized charges Proof of assignment/ownership of the debt Method of verification used to validate the account with the bureaus Validation of the balance accuracy Proof of permissible purpose to report under the FCRA Despite these requests, no legally sufficient documentation has been provided. Instead, XXXX XXXX XXXX continues to furnish this inaccurate account, causing harm to my creditworthiness and resulting in denials, including a federal student loan appeal. 

I am requesting immediate investigation and deletion of this fraudulent 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 2025-09-30 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: CA

Complaint narrative:
In XX/XX/2023, a collection account from XXXX XXXX XXXX was added to my credit reports, allegedly tied to XXXXXXXX XXXX XXXX  with a balance of {$4600.00}. I do not now, nor at the time of this transaction, own a pet. I was XXXX  during the time this account was allegedly opened, making it impossible for me to have incurred veterinary charges. 

I went in person to the XXXX location and requested records. They provided me with an invoice that completely contradicts the balance being reported by XXXX XXXX XXXX. Their staff confirmed that they could not match me to any legitimate account. 

I also asked XXXX XXXX XXXX for validation, including : Proof of the original contract or signed service agreement Complete account history and itemized charges Proof of assignment/ownership of the debt Method of verification used to validate the account with the bureaus Validation of the balance accuracy Proof of permissible purpose to report under the FCRA Despite these requests, no legally sufficient documentation has been provided. Instead, XXXX XXXX XXXX continues to furnish this inaccurate account, causing harm to my creditworthiness and resulting in denials, including a federal student loan appeal. 

I am requesting immediate investigation and deletion of this fraudulent account.

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 is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
incorrect information on my report phone numbers and addresses

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft, someone has used my personal information to open this account I have never gave anyone permission or authorization to open this account without my 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 2025-09-30 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: SC

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address Please investigate and remove the accounts and all associated negative information immediately.

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 2025-09-30 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: SC

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft.

I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law. 

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : FTC Identity Theft Report My government-issued ID Social Security card Proof of address Please investigate and remove the accounts and all associated negative information immediately.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the refusal of the nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) to provide me with my legally mandated free credit reports through XXXX. 

On XX/XX/year>, I attempted to obtain my credit reports from XXXX, the official source designated by the Federal Trade Commission and the credit reporting agencies to provide free annual reports. Despite multiple attempts, none of the agencies would furnish me with my reports. 

Under Section 612 ( a ) ( 1 ) of the FCRA, every consumer is entitled to one free copy of their credit report from each nationwide consumer reporting agency every 12 months upon request. The Federal Trade Commission and CFPB have consistently reinforced this right. By denying me access, the agencies are in direct violation of federal law and are impeding my ability to monitor and dispute any inaccuracies in my credit history, as guaranteed by the FCRA. 

Requested Remedy : I respectfully request that the CFPB take immediate action to : 1. Compel Equifax, Experian, and TransUnion to provide me with my free annual credit reports without delay.

2. Investigate why I was denied access, as this appears to be a systemic failure that may be affecting other consumers.

3. Ensure that each bureau implements corrective measures to prevent future violations of FCRA 612. 

The inability to access my reports not only violates my statutory rights but also hinders my ability to protect myself against identity theft, monitor my creditworthiness, and ensure accuracy of the data being reported. 

Please confirm receipt of this complaint and advise me of the steps being taken to resolve this issue.

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: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding the refusal of the nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) to provide me with my legally mandated free credit reports through XXXX. 

On XX/XX/year>, I attempted to obtain my credit reports from XXXX, the official source designated by the Federal Trade Commission and the credit reporting agencies to provide free annual reports. Despite multiple attempts, none of the agencies would furnish me with my reports. 

Under Section 612 ( a ) ( 1 ) of the FCRA, every consumer is entitled to one free copy of their credit report from each nationwide consumer reporting agency every 12 months upon request. The Federal Trade Commission and CFPB have consistently reinforced this right. By denying me access, the agencies are in direct violation of federal law and are impeding my ability to monitor and dispute any inaccuracies in my credit history, as guaranteed by the FCRA. 

Requested Remedy : I respectfully request that the CFPB take immediate action to : 1. Compel Equifax, Experian, and TransUnion to provide me with my free annual credit reports without delay.

2. Investigate why I was denied access, as this appears to be a systemic failure that may be affecting other consumers.

3. Ensure that each bureau implements corrective measures to prevent future violations of FCRA 612. 

The inability to access my reports not only violates my statutory rights but also hinders my ability to protect myself against identity theft, monitor my creditworthiness, and ensure accuracy of the data being reported. 

Please confirm receipt of this complaint and advise me of the steps being taken to resolve this issue.

Company response to consumer: Closed with explanation