vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TN

Complaint narrative:
I have received a debt collection stating that I owe XXXXXXXX XXXX XXXX for an amount of XXXX. I disputing this because I had paid them {$2200.00} on the date of XX/XX/year> and then proceeded to call a week after to ask them to put the final charges in my account so I could pay those off. I then paid them {$1000.00} on the date of XX/XX/year>. I was never called back after those payments letting me know about other charges and was told that the payment of {$1000.00} would be my final charges.Through the mail I had received another letter from a debt collection company not stating the reason for those charges. I had called the apartment complex asking for the reason of the charges and they had switched property managers and not relayed the reason for the charges.Before the switch of property managers I had been told that all charges would be in my account to pay and when I checked to see if they were there, there was nothing so I had called instead and was told by the manager that she would add the rest of my charges and I would owe nothing after. I had even called the debt collection company out of confusion to what the charges were and explained what I had paid already and they had even responded that I should not own anything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CarMax, Inc.
State: IN

Complaint narrative:
I am writing to formally dispute the accuracy and completeness of the CarMax account listed on my credit report. This account is reporting late payments and a repossession, which I dispute as both inaccurate and unlawful. 

Grounds for Dispute : 1. Asset Supplier Payment ( XX/XX/XXXXXXXX  ) : The original balance of the vehicle was satisfied using a financial transaction known as an Asset Supplier Payment, documented and finalized on the same date of purchase. No valid debt remained. 
2. Unlawful Repossession ( XX/XX/XXXXXXXX  ) : The vehicle was repossessed for alleged non-payment without any valid notice of default or right to cure, violating : UCC 9-611, 9-610 Notice and sale requirement 15 U.S.C. 1692f Unfair or unconscionable means to collect 15 U.S.C. 1635 and 1666 TILA violation of billing errors and rights of rescission 3. No Proper Verification : Under FCRA 15 U.S.C. 1681i, you are required to conduct a reinvestigation and remove any item that can not be verified with evidence. I request : Full documentation of the loan contract Chain of title or assignment Valid billing statements or accounting Proof of lawful default and repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
Subject : Complaint Against Equifax for XXXX XXXX XXXX XXXX for Immediate Correction To : Consumer Financial Protection Bureau ( CFPB ) Complaint Filed Against : Equifax Description of the Issue : I am filing this complaint against Equifax for reporting inaccurate and damaging information on my credit report. 

As reflected in the attached screenshot ( titled " XXXX XXXX at XXXX PM '' ), Equifax is reporting a XXXX late payment for XX/XX/XXXX on an open installment account that has otherwise maintained a flawless payment history for multiple years ( XXXX ). This is demonstrably false, as I have consistently made all required payments in a timely manner, including in XX/XX/XXXX. I have contacted Equifax and the creditor regarding this error, and the inaccurate data remains uncorrected on my credit report. 

This erroneous XXXX late mark is severely impacting my creditworthiness and is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies ensure maximum possible accuracy of the information they furnish. 

Supporting Evidence : Please see the attached image showing the account : Account opened : XX/XX/XXXX Account type : Installment Consistent on-time payments from XXXX Erroneous XXXX late mark in XX/XX/XXXX Recent CFPB Enforcement Against Equifax : I am also aware that on XX/XX/XXXX, the CFPB imposed a {$13.00} XXXX fine against Equifax for widespread credit reporting failures, including failure to promptly correct inaccurate information. This demonstrates a pattern of negligence in complying with FCRA obligations and protecting consumer rights. 

( Source : CFPB Newsroom please refer to latest enforcement action ) Requested Resolution : Immediate removal of the inaccurate XXXX late payment from my Equifax credit report. 

Written confirmation from Equifax that the item has been removed.

Assurance that the erroneous data will not reappear in future credit reports. 

Investigation into whether this error was caused by systemic reporting failures covered under the CFPB 's XX/XX/XXXX enforcement. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachment : Screenshot showing inaccurate payment reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint to report the continued failure of the credit reporting agencies to properly investigate and resolve inaccurate payment history reporting on my consumer credit file. This marks my third formal dispute regarding this issue. 

I first submitted my dispute over XXXX  days ago, followed by a second dispute, yet to this day, I have not received any valid documentation verifying the legitimacy of the reported late payment. The disputed account continues to reflect negative information that I believe to be inaccurate and potentially a result of billing errors, which falls under violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 

This complaint is being submitted directly by me, XXXX XXXX XXXX, not through any third party. Under 15 U.S. Code 1666 ( b ), this late payment may be classified as a billing error due to : Failure to properly post or credit a timely payment ; Accounting or computation error by the creditor ; Failure to send a billing statement at least 21 days before the due date, which invalidates the reporting of a late payment. 

Disputed Account : Late Payment ( Open ) XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To date, I have not been provided with any documentation or evidence supporting this derogatory information. Therefore, I am demanding : A full reinvestigation of the account ; Disclosure of the method of verification, including the name and contact details of the furnisher ( s ) ; Immediate removal or correction of any unverifiable or inaccurate payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
A formal letter to dispute the inaccurate reporting with a request for validation that competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation with them was sent on XXXX.I have not received a response providing the information for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to report an issue concerning an online account at Experian that I did not open. This unauthorized account created significant challenges for me when attempting to verify my identity with Experian. I was unable to gain proper access to my credit file due to this account, which I did not establish or authorize. 

Recently, I received a notification indicating that the unauthorized Experian account had been closed. Following this, I was able to create a new, secure online account directly with Experian. To ensure the security of my personal information, I enabled two-factor authentication as an added layer of protection. 

During the process of reviewing the information associated with my Experian file, I discovered that a XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  was listed as a vehicle associated with me. I have never owned or leased this vehicle, and I do not recognize it. This raises further concern about the accuracy of the information in my file and potential misuse of my identity. 

I respectfully request that Experian investigate this matter thoroughly, including the origin of the unauthorized account and the listing of the unknown vehicle, and take any necessary steps to correct inaccuracies and prevent further unauthorized access or activity related to my credit profile.

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 2025-07-25 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:
Subject : Complaint Against Equifax for XXXX XXXX XXXX XXXX for Immediate Correction To : Consumer Financial Protection Bureau ( CFPB ) Complaint Filed Against : Equifax Description of the Issue : I am filing this complaint against Equifax for reporting inaccurate and damaging information on my credit report. 

As reflected in the attached screenshot ( titled " XXXX XXXX at XXXX PM '' ), Equifax is reporting a XXXX late payment for XX/XX/XXXX on an open installment account that has otherwise maintained a flawless payment history for multiple years ( XXXX ). This is demonstrably false, as I have consistently made all required payments in a timely manner, including in XX/XX/XXXX. I have contacted Equifax and the creditor regarding this error, and the inaccurate data remains uncorrected on my credit report. 

This erroneous XXXX late mark is severely impacting my creditworthiness and is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies ensure maximum possible accuracy of the information they furnish. 

Supporting Evidence : Please see the attached image showing the account : Account opened : XX/XX/XXXX Account type : Installment Consistent on-time payments from XXXX Erroneous XXXX late mark in XX/XX/XXXX Recent CFPB Enforcement Against Equifax : I am also aware that on XX/XX/XXXX, the CFPB imposed a {$13.00} XXXX fine against Equifax for widespread credit reporting failures, including failure to promptly correct inaccurate information. This demonstrates a pattern of negligence in complying with FCRA obligations and protecting consumer rights. 

( Source : CFPB Newsroom please refer to latest enforcement action ) Requested Resolution : Immediate removal of the inaccurate XXXX late payment from my Equifax credit report. 

Written confirmation from Equifax that the item has been removed.

Assurance that the erroneous data will not reappear in future credit reports. 

Investigation into whether this error was caused by systemic reporting failures covered under the CFPB 's XX/XX/XXXX enforcement. 

Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attachment : Screenshot showing inaccurate payment 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 2025-07-25 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: AZ

Complaint narrative:
Reporting for collection by National Credit Systems is inaccurately reporting to all 3 credit bureaus. A formal letter requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them {$620.00} sent via certified mail on XX/XX/year>. I have not received any response or documentation since receiving the delivery receipt that my request had been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: AL

Complaint narrative:
I am writing to formally dispute several items on my Experian credit report, which I reviewed on XX/XX/year>. The following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and should be deleted immediately : DEPT OF ED / XXXX XXXX DEPT OF ED XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Upon review of my credit report, I noticed several inaccuracies and incomplete information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( e ) ( b ), whenever a consumer reporting agency prepares a report, it is legally required to follow reasonable procedures to ensure maximum possible accuracy of the information contained in the report. 

Additionally, per 15 USC 1681i ( 5 ), if any information disputed by a consumer is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency is obligated to either promptly delete or modify that information and notify the furnisher of the data accordingly. 

Furthermore, according to 15 USC 1681s-2, a person or entity may not furnish information to any consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

As such, I am requesting the immediate deletion of the unauthorized, fraudulent accounts listed above from my credit report. These accounts have caused undue harm to my creditworthiness and violate my rights under the Fair Credit Reporting Act. 

Please correct my report in accordance with the law and promptly provide me with an updated copy of my credit file.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.

Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

XXXX XXXX Account number- 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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Capita bank refuses to give me back all of my money ( {$59.00} is being withheld ) because of a purchase done on line by someone using my akt. A purchase was done on XXXX from XX/XX/XXXX til around XX/XX/XXXX. I have done numerous complaints with bank. Supervisor XXXX refuses to tell me who her superior is and a tel. # of someone higher up that i can CALLor mail a letter to. I have tried to get help from customer service regarding not being able to get into my akt. on line. There service people are rude and not customer friendly. 
I am a XXXX yr. old women on a fixed income and i need this money. I mostly use this akt. for deposits at there XXXX bank. saving up for trips.I believe this person hack into there system & got my long akt. # and pin. 
WHY DON'T THEY GO AFTER THE PERSON WHO DID THIS FOR REIMBURSEMENT AS THEY KNOW THE ADDRESS AND NAME. 
a bank can afford the loss on this. I can't please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am a victim of identity theft. My credit reports contain multiple hard inquiries that I did not authorize or initiate. These inquiries are the result of fraudulent activity and have harmed my credit profile. 

I am formally requesting assistance to have the following unauthorized inquiries removed from my credit reports with Experian, XXXX, and XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX ( two separate inquiries ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I have never applied for credit with these companies, and no permissible purpose exists for these inquiries under the Fair Credit Reporting Act ( FCRA ) 1681b. 

I have already contacted the credit reporting agencies in writing, provided proof of identity, and requested investigation and removal. These inquiries remain on my reports, despite being the result of identity theft. 

Please assist in ensuring these unauthorized inquiries are promptly deleted from all of my credit files and that I receive written confirmation from each credit bureau.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX, I received a letter from your Remediation Department indicating that system issues may have led to incorrect charges and late fees being assessed on my account. 
That letter was accompanied by a check for {$90.00}. Upon receipt, I requested a detailed explanation of the system issues and a breakdown of any incorrect charges or late fees. 

Instead of providing a detailed breakdown, Wells Fargo sent a complete account ledger dating back to XXXX, with no indication of which charges were erroneous. Due to this lack of transparency and inability to reconcile the account, I ceased making payments. 

In XXXX, the account was charged off, and a law firm named XXXXXXXX XXXX XXXXXXXX filed a lawsuit against me for alleged breach of contract. I requested a breakdown of the erroneous charges and a signed contract from them. They also provided only a full ledger without indicating any erroneous charges or supplying the requested signed agreement.

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