vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
Subject : Complaint Regarding Violations of the Fair Credit Reporting Act ( FCRA ) To Whom It XXXX Concern, I am submitting this complaint to address numerous and severe violations of the Fair Credit Reporting Act ( FCRA ) by Equifax. These violations have caused significant harm to my credit profile, financial standing, and privacy. 

Details of the Complaint : Reporting Unrecordable Information : Equifax has reported information in my credit file that is not legally permissible under FCRA Section 1681c ( 605 ). Specifically : I have XXXX name XXXX XXXX. I have XXXX address c/o XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Louisiana XXXX XXXX ] XXXX And XXXX number ( XXXX ) XXXX. Equifax is reporting inaccurate invalidated information. 

Reporting Inaccurate Information : My credit report contains inaccurate entries, including but not limited to : Open accounts that are closed and Despite disputing these errors, the company has failed to take appropriate corrective action as mandated under FCRA Section 1681i ( 611 ). 

Unauthorized Transactions and Inquiries : The agency has reported transaction history and credit inquiries that I did not authorize or initiate. This constitutes a failure to ensure the accuracy and validity of reported information, violating FCRA Section 1681e ( b ).

Unauthorized Dissemination of My Credit Report : The company has disclosed my credit report to third parties without obtaining my written consent, as required under FCRA Section 1681b ( 604 ). This unauthorized release breaches my privacy and exposes me to potential harm.

Failure to Maintain Reasonable Procedures : Equifax has not implemented reasonable procedures to ensure compliance with FCRA Sections 1681b, 1681c, and 1681n. This systemic failure has resulted in numerous violations and harm to consumers, including myself. 

XXXX XXXX of XXXX : The company has reported charge-offs on my credit report despite the IRS classifying charge-offs as taxable income. FCRA regulations explicitly prohibit the inclusion of income in credit reports. This represents a clear violation of the Acts provisions.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
Affirm was a third party trying to collect debt for company named instasmile. I received pproduct in the mail and returned to sender and package was received. Affirm continued to try and collect debt and later sent debt to collection agency. The debt fell off one other bureau and continues to show on XXXX I have disputed to no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: VA

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 2025-04-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

I looked at my consumer reports and noticed a Auto loan on an account that I was never mine. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had an auto loan with XXXX XXXX and did not provide written consent to report the account : XXXX XXXX XXXX. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand this account to be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Saturn Systems, Inc
State: NV

Complaint narrative:
Account Arizona XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide XXXX Mail ' with receipt displaying my signature. If not, please delete # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: CarMax, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Phone : XXXX Email : XXXX Date : XX/XX/year> To : CarMax Auto Finance Attn : Credit Reporting Department XXXX. XXXX XXXX XXXX, GA XXXX RE : Formal Dispute of Inaccurate Reporting - Account Name : CAF Account Number : XXXX To Whom It May Concern, I am writing to formally dispute inaccurate information your company is reporting to the credit bureaus regarding the account listed under the name CAF, account number XXXX. 
Upon reviewing my credit report, I have identified multiple inaccuracies with this tradeline : 1. The charge-off status is inaccurate.

2. The account opening date is incorrect.

3. The closed date is inaccurate.

4. The reported balance and charge-off amount are not accurate.

These discrepancies represent violations of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681e ( b ), which mandates that furnishers of information ensure maximum possible accuracy in the data they report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no XXXX  party involved. The stuff on my credit report is wrong and Under XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-29 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:
The Fair Credit Reporting Act ( 15 U.S. CXXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXXXXe XXXX ( XXXX ) and 15 U.S. CXXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXXXXe XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent. 

I looked at my consumer reports and noticed a Auto loan on an account that I was never mine. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly says. I have never had an auto loan with XXXX XXXX and did not provide written consent to report the account : XXXX XXXX XXXX. Please investigate and provide proof that I authorized the reporting of this information. If proof can not be provided I demand this account to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-29 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: CA

Complaint narrative:
I am formally disputing the persistent inaccuracies appearing on my credit report, as they are directly and severely damaging my financial standing and overall creditworthiness. Despite multiple good-faith efforts to resolve these issues through proper channels, the same erroneous information continues to resurface on my report. These recurring inaccuracies are causing significant harm to my credit score, severely limiting my ability to access essential financial opportunities such as loans, housing, and employment prospects. 

It is imperative that your agency conducts a thorough, immediate, and good-faith investigation into these disputed accounts and corrects all erroneous information without delay. Continued negligence in addressing these errors constitutes a direct violation of my rights under the Fair Credit Reporting Act ( XXXX  ) and the Fair Debt Collection Practices Act ( XXXX  ). 

Please be advised that failure to correct and remove these inaccuracies within the timeframe prescribed by law will leave me with no choice but to pursue all available legal remedies. This includes filing formal complaints with the Consumer Financial Protection Bureau ( XXXX  ) and the Attorney Generals office, as well as seeking monetary compensation for actual damages, statutory damages, attorney 's fees, and punitive damages permitted under federal law. 

This letter serves as formal notice of my intent to protect my rights and seek full remedies for any continued harm caused by your noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: GA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of 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 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against PORTFOLIO RC regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXXXXXX BANK XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$380.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with PORTFOLIO RC but to no XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Experience identity that for my Social Security number and personal information leaked on the Experian someone has obtained my social ID all my personal information and obtained a lease to lease car in my name I made a police report. I reported it to all bureaus. It has not been removed the company obtained my address in my name and try to send me a bill. Tell them I will be pursuing legal action because I did not take out a loan or lease a car with their company.

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 2025-04-29 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXXB of 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 2025-04-29 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: AL

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 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 2025-04-29 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: TX

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-04-29 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: NY

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-04-29 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:
Complainant : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX FTC Identity Theft Report Number : XXXX Date of Identity Theft Statement : XX/XX/year> Subject : URGENT IDENTITY THEFT COMPLAINT REMOVE UNAUTHORIZED CREDIT INQUIRIES IMMEDIATELY To Whom It May Concern, I am a confirmed victim of identity theft, supported by my official FTC Identity Theft Report ( # XXXX ). As part of the fraud, unauthorized inquiries have been made to my credit file without my knowledge, consent, or permissible purpose, in violation of the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S. Code 1681b Permissible purposes of consumer reports 15 U.S. Code 1681c-2 Blocking of information resulting from identity theft 15 U.S. Code 1681e ( a ) Reasonable procedures to assure maximum possible accuracy The following inquiries were made fraudulently and must be permanently removed and blocked from reappearing : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) These inquiries were not authorized by me, and I have never applied for credit with these institutions. Their presence on my credit file violates the FCRA and constitutes a breach of my consumer rights. 

I DEMAND the immediate and permanent deletion and blocking of these inquiries from all three consumer reporting agencies under my rights granted by 15 U.S.C. 1681c-2, and expect a written response and confirmation of removal within 5 business days. If you fail to take appropriate action, I will pursue legal remedies including statutory and actual damages under 15 U.S.C. 1681n and 1681o. 

This identity theft has already caused serious harm, and any delay or negligence in correcting these records will result in legal escalation. 

Sincerely, XXXX XXXX XXXX FTC Report Number : XXXX Date : XX/XX/year> 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