vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: U.S. BANCORP
State: NJ

Complaint narrative:
I am writing to inform you that I am disputing the debt referenced above, which your company claims I owe. Under the Fair Debt Collection Practices Act, I am entitled to dispute the validity of this debt and request verification or validation. 

Please be advised that : 1. I dispute the entire amount of the alleged debt.

2. I request that you provide validation of the debt, such as documentation available to verify that I agreed to pay the creditor, the current balance, a breakdown of charges, and an accounting of how the debt was reached.

3. You cease any debt collection efforts until this dispute is resolved and verified documents are provided to me.

4. I request my debt account not be reported to any credit agencies until you provide evidence validating the debt. 

As per my rights, I ask that you verify the debt and provide written proof that the debt belongs to me within 30 days. Also, please be aware that I request all future communications be in writing. 

If you are unable to verify this debt, I respectfully request that you confirm in writing that you are terminating collection efforts and will update all negative credit information relating to the matter. 

Thank you for your prompt attention to this matter. I look forward to your acknowledgment and kindly request a written response by [ specify a reasonable date, usually within XXXX 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 2025-04-28 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 2025-04-28 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: DC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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:
Company use my credit profile and improperly and violated the privacy act of XXXX and created a financial hardship in hindrance for me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: CA

Complaint narrative:
Company use my credit profile and improperly and violated the privacy act of XXXX and created a financial hardship in hindrance for me and my family.

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 2025-04-28 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX5 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
Complaint Details : This is my final complaint regarding XXXX XXXX XXXX repeated and willful violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and their material misrepresentation made to a government agency ( the CFPB ). 

Background : My account with CarMax Auto Finance was charged off on XX/XX/XXXX. 
Despite this, CarMax XXXX XXXX XXXX XXXX CO ( charge-off ) notations to Experian as if the account is still actively defaulting. 
Meanwhile, TransUnion and Equifax show the account as closed directly contradicting XXXX claim. 

Disputes and False XXXX : I properly disputed the inaccurate reporting with Experian, Equifax, and TransUnion. 
CarMax falsely verified the inaccurate information in violation of FCRA 623 ( b ). 

False Statements to the CFPB : In responding to my XX/XX/XXXX CFPB complaint, CarMax falsely stated that the account is not closed, despite their own reporting across multiple consumer reporting agencies showing otherwise. 
Providing knowingly false information to a federal government agency demonstrates reckless disregard of the truth and willfulness under the FCRA. 

Ongoing Harm : Each false CO notation continues to negatively affect my creditworthiness, lowers my credit scores, and results in actual damages including emotional distress and financial harm. 

Important Notice : This is my final CFPB complaint prior to initiating formal arbitration proceedings against CarMax Auto Finance, pursuant to the arbitration agreement contained in the original contract. 
XXXX violations of the FCRA are well-documented through their own responses, verified disputes, and credit reporting inconsistencies. 

If this matter is not fully resolved, including permanent tradeline deletion and appropriate compensation, I will proceed immediately to file a demand for arbitration seeking statutory, actual, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have disputed the account several times related to the child support debt. The debt is inaccurate. It is a result of a divorce that occurred in XX/XX/XXXX. A divorce decree signed by a XXXX  judge states that child support will begin on XX/XX/XXXX, in the amount of $ XXXX. The OAG is inaccurately reporting a balance with no validation or signed order by a judge that supersedes the order in the divorce decree. By law, they are required to enforce a court order signed by the judge. Before that date, there was no child support order that I was required to pay. I have sent documents to the bureaus, but they have not taken action. I have written documents, including the balance on my TN child support order, stating there is no past due balance. The state of Missouri, where the other party lives, has sent the OAG in XXXX  a copy of the order stating that the only balance is less than {$10000.00} at the time. I have requested that the balance be updated and deleted if accurate information is not updated to reflect the court order. It is my right as a consumer to have accurate, verifiable information reported. The inaccurate reporting is causing me financial distress as I am not refusing to pay a debt, only an inaccurate debt. I did not live in the state of XXXX  before XX/XX/XXXX. The other party never lived in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MO

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX for reporting an alleged debt to the consumer reporting agencies without properly validating the debt as required by federal law. 

I submitted a formal written request to XXXX XXXX XXXX asking for validation of the alleged debt under the Fair Debt Collection Practices Act ( FDCPA ) and Regulation F ( 12 CFR 1006.34 ). I requested full documentation including the complete chain of title, proof of ownership, itemized accounting of the debt, and confirmation of whether the debt had been securitized. 

Despite my timely request, XXXX XXXX XXXX XXXX has failed to provide the required validation and has continued to report this alleged debt to the credit bureaus ( Experian, Equifax, and TransUnion ) without providing verification. Their continued reporting of an unvalidated, disputed debt violates the Fair Credit Reporting Act ( FCRA ), FDCPA, and Regulation F. 

As a result of their actions, inaccurate and unverified information is being furnished to the consumer reporting agencies, damaging my credit profile and causing financial harm. 
I am requesting that XXXX XXXX XXXX XXXX immediately cease all collection activities, delete the account from all consumer reporting agencies, and comply with all applicable federal laws. If they fail to do so, I intend to pursue further legal action for damages resulting from these violations.

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 2025-04-28 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-28 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( XXXX ) XXXX of XXXX or XXXX XXXX, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt XXXX. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate 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 non-monetary relief
Consumer complaint received 2025-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
The credit card company mailed checks to my house. My daughter lives next door. Her ex boyfriend was visiting and went into my mailbox and stole the checks. He then used my daughters online bank account and depositited the check into her account. As soon as both of the checks cleared and my daughter realized that the checks were from my credit card, she notified me. I immediately called the card company to let them know that fraud was done. 

I did not request these checks to be sent to me. The company sent this without my knowledge or approval. To this day, I have never laid eyes on the checks. 

After an investigation, the company told me that the fraud claim was denied. I told them that I could get the money back from my daughter but I wanted the fees refunded. 

They told me to file a police report but the guy was already living back in 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 monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: FL

Complaint narrative:
This complaint is in regard to illegal interest accruing on my student loans, serviced by Mohela. I had applied to SAVE in XXXX of 2024 and reapplied in XXXX of 2024. I for some reason, was never placed on the plan. General forbearance guidance following the Supreme Court decision on student loans, clearly promised that borrowers would not be penalized with accruing interest while applications ( especially SAVE/IBR applications XXXX were pending. In XXXX of 2024, my loans restarted on the STANDARD REPAYMENT PLAN with INTEREST ACCRUING?? After numerous calls, emails, and complaint submissions, I was finally able to be placed on a 60 day administrative forbearance while my new XXXX application is processed, which was submitted XXXX weeks ago. I have accrued nearly XXXX in interest while I was supposed to be in an interest-free forbearance period. I am requesting that all accrued interest from the date I applied for XXXX be retroactively wiped. Also that my account be updated to reflect what it would have been if they had properly applied administrative forbearance with 0 % interest from the time of my applications. I also want to be placed on XXXX immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Ive had issues with some of the closed accounts that Ive complained about. Now the reporting agencies are still reporting the closed accounts as delinquent, even though they were written off over a year ago. Additionally, the banking employees submitted various fraudulent reports and stole some funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Ive had issues with some of the closed accounts that Ive complained about. Now the reporting agencies are still reporting the closed accounts as delinquent, even though they were written off over a year ago. Additionally, the banking employees submitted various fraudulent reports and stole some funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I was affected by the Equifax data breach I recently looked at my credit report and notice inaccuracies in my report. These accounts are hurting my ability to obtain credit. it I XXXX Equifax job tho protect the consumers vital information, Equifax failed to do that which hurt millions of costumers. my XXXX, SS # DL # Address and Employment information was exposed. I have filed FTC report and including my Data breach engagement number XXXX. Here are the items the negative items that were caused by the Equifax XXXX XXXX Experian : NCB XXXX XXXX Account # XXXX, Radius Global Solution XXXX # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX. Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 account do not belong to me. I have no knowledge of these amounts. 15USC 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 A VICTIM OF IDENTITY FRAUD. SOMEONE USED MY NAME AND IDENTITY TO RECIEVE SERVICES AND GOODS FRAUDULENTLY. ALSO, THERE ARE ADDRESSES REPORTING ON MY CREDIT FILE INCORRECTLY, SO PLEASE HELP ME REMOVE AND BLOCK ALL THESE ADDRESSES. MY XXXX AND ONLY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX, CA 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