vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: CarMax, Inc.
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CO XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute & Demand for Immediate Removal of Fraudulent and Inaccurate Information under 15 U.S. Code 1681i and 1681s-2 To Whom It May Concern, This letter serves as an official dispute under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i ( a ) and 1681s-2 ( b ), regarding the fraudulent and inaccurate reporting of the following account : Creditor Name : XXXX XXXX XXXX Account Number Ending XXXX XXXX Date Reported : XX/XX/XXXX Charge-Off Amount : {$34000.00} Past Due Amount : {$18000.00} I am demanding the immediate permanent removal of this account based on the following : XXXXViolation of 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ) : XXXX has continued to report this account despite it being previously disputed and verified as inaccurate. According to this statute, if information is found to be inaccurate or unverifiable during a reinvestigation, it may not be reinserted into the file unless the furnisher certifies its accuracy and notifies the consumer in writing. I have not received any such certification or notice, thus this re-reporting is unlawful and a blatant breach of FCRA. 
XXXXViolation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) : XXXX is reporting inaccurate XXXX unverified, and fraudulent information. This includes misreporting charge-off statuses, payment delinquencies, and re-aging the account to negatively impact my credit standing all without proper investigation, verification, or my authorization. 
XXXXPattern of Negligence : This is not an isolated incident. XXXX has a disturbing pattern of adding or re-reporting fraudulent, outdated, and unverifiable data to my credit report, which is willful non-compliance with the FCRA and opens the door for legal liability. 

Furthermore, I am a documented victim of identity theft, and I demand this account be immediately removed in accordance with FCRA guidance protecting consumers from the reporting of accounts not initiated by them. 

This is a formal notice. If this inaccurate and fraudulent account is not permanently deleted from my credit report within 15 business days of receipt of this letter, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue civil action for damages under 15 U.S. Code 1681n and 1681o. 

Attached are supporting screenshots and documentation evidencing the falsity and negligence of this entry. 

You are hereby instructed to conduct a full reinvestigation, remove the CarMax Auto Finance account from my credit file, and provide a written confirmation of its deletion. 

Sincerely, XXXX XXXX XXXX XXXX : * -- XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied for a credit card with capitol one and they denied me but offered me the same card with worse terms as an alternative. I applied for the XXXX Capitol One card because the intro offer was a {$200.00} bonus and a 12 month 0 % interest offer. When I applied they said I was denied for that card but approved for a card by the exact same name without a 12 month 0 % interest offer or a {$200.00} bonus. I think that is very deceptive as it reels you in with a bonus then offers a card that has no offer. XXXX XXXX said I had very good odds for approval so I am shocked to be rejected. I am assuming they do this to get you to just take a worse card now that your credit has been dinged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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'm writing this with deep frustration and urgencythere are several errors on my credit report that have been harming me for far too long. Despite my previous disputes and the fact that some of this information was already deleted by other bureaus, it keeps showing up again. This is not only careless, it's a violation of my rights as a consumer. 
To make matters worse, these accounts appear to be the result of identity theft and fraudulent use of my personal informationitems Ive never authorized, used, or benefited from in any way. These inaccuracies continue to drag down my credit score and block any chance I have at financial progress and stability.

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 2025-04-17 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: Tesla, Inc.
State: IL

Complaint narrative:
I recently noticed several hard inquiries appearing exclusively on my XXXX credit report, which I do not recognize or recall authorizing. These inquiries are not reflected on my XXXX XXXX XXXX  reports, which raises concerns regarding their legitimacy and accuracy. I have no knowledge of these inquiries and did not give consent for my credit information to be accessed. I request that XXXX  thoroughly investigate these unauthorized inquiries and remove any entries that can not be verified or validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
Please remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize or create these accounts and am unaware of where they originated. As per USC 1681g, I am requesting their removal within XXXX days. Supporting documentation is included for your careful evaluation. The information reported varies between credit bureaus and is incorrect.

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 2025-04-17 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:
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 XXXX XXXX XXXX. 
Account- XXXX XXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX : has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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. 

Report of Inaccurate Credit Reporting in Violation of 15 U.S.C. 1681b ( a ) ( 1 ) I am writing to formally address concerns regarding potentially inaccurate information being reported on my credit file, which may be in violation of 15 U.S.C. 1681b ( a ) ( 1 ). According to this statute, a person is prohibited from furnishing any information regarding a consumer to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Currently, XXXX XXXX, under the acquisition by the first debt buyer, XXXX XXXX XXXX, has been reporting a debt which was previously deleted from my credit file over a year ago. This raises concerns about the accuracy of the information being reported. 

Additionally, XXXX XXXX is reflecting an inaccurate balance on my credit report. It should be noted that this debt was similarly removed from my credit file over a year ago. 

Given these circumstances, I respectfully request an investigation into this matter to ensure compliance with the Fair Credit Reporting Act.

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 2025-04-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
I have submitted XXXX XXXX XXXX XXXX XXXX payment requests that show as " Accepted by Institution '' but are not reflected on my account. I have reached out to MOHELA to solve the issue, but was hung up on after being on hold for XXXX hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, TransUnion, and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, TransUnion and Experian complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am filing a complaint against Equifax, TransUnion and Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax, TransUnion and Experian consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax, TransUnion, and Experian actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( A ) ( 1 ) - ( B ), as highlighted in the XXXX recent administrative proceeding ( File No XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax, TransUnion and Experian complies with the federal law and provides consumers with the necessary proof of investigation.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Personal Information ( EQ ) Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 2025-04-16 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: Chime Financial Inc
State: NY

Complaint narrative:
I use the bank " Chime '' and they have this system where whenever I get a direct deposit they automatically deduct a portion of the check to this service they have called " XXXX '' where its a built in wallet for you to save a portion of your check and pull it out whenever you need. 

Today on XX/XX/year> I received a direct deposit of {$500.00} and the bank automatically deducted {$300.00} and sent it to this service called " XXXX '' and in the past it would let me immediately pull the money back into my checking account but this time it has just disappeared and is not letting me pull the money into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: CIG FINANCIAL LLC
State: FL

Complaint narrative:
My girlfriend and I were car shopping at XXXX of XXXX ( address is on the attachments ). It was our intent to have this vehicle in her name, and she eventually * did * fill out a credit application. I did not. We went on two test drives ; one with a sales rep ( XXXX XXXX and one without him. He had my state driver 's license because I drove the vehicle, and that's always typical at any dealership. When we got back from our second test drive, without the sales rep, we started to go over price and numbers. At that point, my girlfriend filled out a credit application for a soft pull. They came back and told me * my * credit score, froze, went back to wherever they run that information and provided my girlfriends credit info. When we left, both her and I have hard Inquiries from that XXXX dealership. 

Again, * I * did not provide consent to run my credit nor did I fill out any credit application. Our intention from the start was to have it in her name, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
Having to deal with these wrong items on my report has taken a serious toll. Ive worked hard to stay on track financially, but these mistakes have made it feel like none of that matters. Ive been rejected and questioned over things I know aren't right, and its exhausting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
My personal and financial data was compromised, violating FERPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
Paypal has frozen my account at the demand of XXXX XXXX XXXX in XXXX via XXXX XXXX XXXX, a merchant cash advance ( XXXX ) lender, who intentionally leveraged the brand recognition of XXXX a globally recognized financial institution to imply affiliation with constitutes deceptive solicitation and XXXX violate trademark protections or constitute consumer fraud. 

The UCC-1 filing was made against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ending XXXX XXXX ) - entities have separate EINs, ownership structures, and bank accounts. Since no contractual relationship existed is factually incorrect and may qualify as a wrongful filing under UCC 9-509 ( d ) or tortious interference. 
There was a refusal to accept a reasonable payoff after 66 % of principal was paid back. 
XXXX underfunded making the contract void under contra proferentem. The UCC-1 asserts claims to all assets without specificity despite the agreement only referencing receivables, which were automatically deducted and the majority repaid. 
There has been no amendment reflecting the pay down or clarifying the collateral scope, which is misleading. 
Paypal is causing direct XXXX XXXX by withholding my money due to this XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: CA

Complaint narrative:
I am formally requesting that you block and remove these unauthorized accounts from my credit report immediately. I have no association with these accounts, nor did I authorize their creation. According to USC 1681g, they must be removed within 15 days. Ive attached the necessary documents for your review. Please note that each bureau is reporting different, inaccurate information related to these accounts.

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