vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$4800.00} 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 - {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} INQUIRIES : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: CCF Intermediate Holdings LLC
State: IN

Complaint narrative:
On XXXX XX/XX/year>, I applied for a payday loan on CheckSmart.com 's website. I was approved for {$340.00} but was unable to sign the loan documents. However, the loan showed up on my online account as " OPEN. '' I immediately contacted CheckSmart on XXXX XX/XX/year> and was told that it would " fall off '' my account in 24 hours. Needless to say, the loan is still showing open and active as of today XX/XX/year>. I have called CheckSmart daily demanding action that their mistake be corrected. This is causing me to not be able to get a loan from any other company because the state database reflects that I have an open and active payday loan. Each time I speak to someone from CheckSmart I am told that there is a ticket in the system to resolve my issue and it will be viewed in the order in which it was received. The loan is set up to be automatically deducted from my account on XX/XX/year>. I have been told that if the issue is not resolved by then that an attempt will be made to deduct the funds that I never received from my account. I have contacted the XXXX Department of Financial Institutions as well as written an emailed a formal dispute letter demanding action from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX for reporting inaccurate and unverifiable information on my credit report. This account is negatively impacting my credit profile, and I have formally disputed it with the credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I have the right to request a reinvestigation of any information I believe to be inaccurate. The credit bureaus are required by law to verify the accuracy of the information within 30 days or remove it. Furthermore, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) states that any information that can not be verified must be deleted. Under 15 U.S.C. 1681e ( b ), the credit bureaus and data furnishers must ensure the maximum possible accuracy of any information reported. Under 15 U.S.C. 1681b, no entity has the right to access or report information on my credit without a permissible purpose, and continued reporting of unverifiable accounts is a violation. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ), Jefferson Capital LLC is required to provide proper validation of the debt, including the original signed contract bearing my signature, upon request. To date, I have not received any valid proof of the debt or a copy of the original signed contract. 

Jefferson Capital LLC is reporting an account in the amount of * * {$4600.00} * * under account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting the immediate deletion of this account from all credit bureausXXXX XXXX, and XXXX a written confirmation of this action. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: AZ

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: AZ

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I have tried to resolve the balance directly with discover. They refuse to do so and direct me to contact the collection agency. Even though Discover has sold the debt, they continue to report a Balance owed to them even though there is no balance owed to them because the debt was sold and Discover isnt accepting payment for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a legitimate dispute to XXXX XXXX XXXX XXXX ( a part of Experian ) regarding inaccurate or unverifiable information on my credit report. On XX/XX/year>, I received a letter from XXXX stating that they considered the request " suspicious '' and determined it was not sent by me. This is false I personally submitted the dispute and have a legal right under the Fair Credit Reporting Act ( FCRA ) to dispute and request an investigation into inaccurate credit information. 

XXXX  refused to investigate the information I disputed and did not provide any valid reason or opportunity to verify my identity properly. They also stated they will not notify me of any future suspicious activity, which means I could be denied future investigations without my knowledge. 

This is a violation of the FCRA, which requires consumer reporting agencies to investigate all disputes and to respond appropriately to consumer requests. Their refusal to investigate a dispute that I submitted personally is unjustified and unlawful. 

I request that the CFPB require XXXX XXXXExperian to XXXX Immediately conduct a reinvestigation of the disputed information Cease labeling my personal disputes as " suspicious '' Provide a full method of verification for the account ( s ) in question Send a written explanation confirming their actions in compliance with the FCRA If XXXX XXXX/Experian continues to obstruct my ability to correct errors on my report, I reserve the right to pursue legal action for damages under FCRA 15 U.S. Code 1681n and 1681o.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information.

This conduct is in direct violation of federal law and my consumer rights. The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs. 

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CarMax, Inc.
State: GA

Complaint narrative:
Notice : I submitted remittance coupons and affidavits of fraud per UCC 3-603 ( b ), UCC 1-308 , UCC 1-103. You ignored all legal documents. The asset is secured under a private trust. Im a natural person, not a corporate entity. You are in violation of 15 U.S.C. 1681s-2 and 1692e. Cease collection. Executor status and trust are lawfully established. All Rights Reserved. Without XXXX. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 2025-06-03 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: NY

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was charged for three purchases on my account for XXXX XXXX XXXX that I did not make and XXXX XXXX XXXX also has no record of me making these purchases. I called XXXX XXXX XXXX and they had nothing on my account that I could cancel and I never received anything from AT & T for these charges. I went to the XXXX XXXX XXXX store in XXXX and showed them these charges and they also told me they have no record of any purchase on the date of these transactions or amounts. 
Three purchases are on my Card for {$600.00}, {$300.00} And {$62.00} all made on XXXX XXXX2025 I have called US Bank twenty-three times and just get a run around. Twice I was told that these charges should not be on my account and then nothing was done. The one woman told me if they couldn't get the information she would send me a form to have XXXX & XXXX fill out and send back. again nothing was done. 
I also sent in my XXXX XXXX XXXX statements from XX/XX/scrub>/2025 to XX/XX/year>2025 so they could see that they never charged me for these charges. I sent a total of 23 pages of information and statements to them.

US Bank bank claims that I did not cancel or return items in a sufficiant amount of time. The was nothing to cancel or return.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
Dear CFPB, I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, regarding the persistent inaccuracies on my credit reports and the refusal of credit bureaus and furnishers to validate or correct disputed information. The following accounts are reporting erroneous late payments that have severely damaged my creditworthiness, financial stability, and quality of life 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  Background of Violations : I previously disputed these accounts directly with Equifax, XXXX XXXX XXXX ( copies enclosed ), demanding validation of the alleged late payments and proof of the bureaus verification methods. 

The credit bureaus failed to conduct a reasonable investigation or provide procedural documentation showing how the accounts were verified, violating FCRA 1681s-2 ( b ). Furnishers of information ( original creditors/debt collectors ) are required under this statute to investigate disputes and correct inaccuracies.

Despite my disputes, the bureaus continue reporting these accounts without evidence of validity. This violates FCRA 1681i, which requires CRAs to delete unverifiable information.

Additionally, I requested debt validation from the entities reporting these accounts under FDCPA 1692g, but received no substantiation. Furnishers can not ignore validation requests while continuing to report derogatory information.

Impact : These inaccuracies have caused significant harm, including : Unjustified loan/credit denials Higher interest rates on approved credit Emotional distress and reputational damage

Company response to consumer: Closed with explanation