vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: AZ

Complaint narrative:
Your agency has violated my consumer privacy rights as established under federal law. Specifically, the actions takenor failure to actare in direct conflict with the Fair Credit Reporting Act ( FCRA ), as outlined in the following provisions : - 15 U.S. Code 1681 ( a ) ( 4 ) This section explicitly recognizes the consumers right to privacy and mandates that consumer reporting agencies carry out their responsibilities with fairness, impartiality, and respect for that privacy.

- 15 U.S. Code 1681n Establishes civil liability for willful noncompliance, allowing consumers to seek actual damages or statutory damages ranging from {$100.00} to {$1000.00}.

- 15 U.S. Code 1681o Establishes civil liability for negligent noncompliance, including the recovery of actual damages and reasonable attorneys fees in successful actions.

- Under 15 U.S. Code 1681 ( a ) ( 4 ), I am asserting my right to privacy. The continued reporting of a bankruptcy on my consumer report is a violation of this right. I am formally requesting that you delete this information immediately.

Failure to comply will result in my pursuing monetary damages in small claims court within my jurisdiction. Please be advised that I have also filed formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Attorney Generals Office, the XXXX XXXX XXXX ( XXXX  ), and the Federal Trade Commission ( FTC ).

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 2025-07-22 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 immediate corrective action in response to your agencys failure to comply with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. 1681 et seq., concerning my recent identity theft dispute. Your handling of this matter has been grossly negligent and falls well below federally mandated standards.

Violation of Consumer Rights Under Federal Law Neglecting to Conduct an Adequate Investigation ( FCRA 1681i ( a ) ( 1 ) ) Despite being provided with my FTC Identity Theft Report and supporting evidence, your agency failed to undertake a legitimate and thorough reinvestigation. Simply overlooking credible proof does not fulfill your legal duty.

No Notification of Investigation Outcome ( FCRA 1681i ( a ) ( 6 ) ) As per the law, you are required to notify me of your findings within 30 days. To date, I have received no update, which is a clear breach of your obligations. 
Refusal to XXXX XXXX XXXX ( FCRA 1681c-2 ) Your agency is mandated to block identity theft-related information upon receiving proper documentation. Yet, the fraudulent accounts remain, damaging my credit and violating my rights.

Reinsertion of Deleted Items Without Proper Certification ( FCRA 1681i ( a ) ( 5 ) ) It has come to my attention that previously removed accounts have been reintroduced into my credit file without the proper legal process or notice. This is a serious violation. I am aware that lawsuits have been filed against credit bureaus for this exact misconduct as recently as last year.

Precedent Cases That Establish Your Liability Legal precedent confirms your agency 's accountability when you fail to uphold FCRA standards : In light of the 2023 CFPB enforcement action ( CFPB & FTC v. TransUnion ), in which your agency was fined {$23.00} million for systemic reporting failures, I hereby request that my dispute be handled with due diligence and in full compliance with federal law.

Immediate Actions Required I am demanding that your agency take the following steps without delay : Launch a comprehensive and meaningful reinvestigation into the disputed fraudulent accounts. 
Send me a complete written explanation of the investigation and your conclusions. 
Immediately and permanently delete or block all identity theft-related accounts and data. 

If this is not resolved within the timeframe required under the FCRA, I will proceed with the following actions : File official complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Initiate legal proceedings to seek compensation as allowed under FCRA 1681n and 1681o, including statutory and punitive damages as well as legal fees. Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally dispute a collection account that appears on my credit report. I recently reviewed my credit report and noticed a collection entry that I do not recognize, and for which I have never received any communication or verification. 
Details of the account are as follows : XXXX XXXX Name : XXXX XXXX Account Number ( if available ) : XXXX Reported Balance : XXXX Date Opened/Reported : XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that you immediately investigate and verify the accuracy and ownership of this debt. As I do not recognize this account and have never received any validation from the collector, I request that you : 1. Provide complete details about the debt, including the original creditor, account statements, and any signed agreements bearing my name ; 2. Identify the name and contact information of the current debt collector ; 3. Remove this account from my credit report immediately if it can not be fully verified within 30 days as required by law.

If the account can not be verified, it must be deleted from my credit file under FCRA Section 611. Please send me written confirmation of the results of your investigation and a copy of my updated credit report once the process is complete. 

Thank you for your prompt attention to this matter. I look forward to your response within the timeframe outlined by law.

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 2025-07-22 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date : XXXX  Subject : Dispute of Unauthorized Hard Inquiries on Credit Report To Whom It May Concern, I am writing to formally dispute several unauthorized inquiries that have been reported on my Experian credit file. I reviewed my report and found multiple hard inquiries that I did not initiate or authorize. 

Below are the inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my explicit written permission are allowed to appear on my credit file. Since I did not authorize these inquiries, I am requesting that they be removed immediately. 

Please initiate an investigation into each of the above-listed inquiries and remove them if the inquirers are unable to provide documented proof of my authorization. 

Attached are copies of my identification and a copy of my credit report highlighting the disputed inquiries. 

I appreciate your prompt attention to this matter and request a written response upon completion of your investigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-22 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I am filing this complaint against Columbia Debt Recovery XXXX XXXX XXXX for attempting to collect and potentially report a debt that is not legally validated. They sent me a collection notice regarding a past rental at XXXX XXXX XXXX XXXX XXXX XXXX, but they have not provided proper proof that they are authorized to collect this debt. The only documentation they sent had a signature from XXXX XXXX XXXX XXXX XXXX XXXX not from Columbia Debt Recovery or Genesis. This does not show that they have any legal right to collect from me. 

I submitted a written request for debt validation under the Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g ), asking for : A copy of the original signed lease A complete itemized statement of charges ( they sent XXXX different totals ) Proof they are legally assigned or authorized to collect They failed to provide this. Despite this, they are still asserting the debt and marking it " disputed, '' which is not the same as legally validating it. This is a violation of the FDCPA. 

I also received a notice from another collection agency, so I am now being harassed by XXXX debt XXXX for the same debt neither of which has shown they have legal authority to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX am disputing multiple hard inquiries on my credit report from Capital One Auto Finance and XXXX XXXX XXXX XXXX XX/XX/year>. 

I never purchased a car from XXXX XXXX, nor did I visit or do business with them. I purchased a vehicle through XXXX XXXX and had pre-approval through XXXX Bank. I made it very clear that no additional credit checks were authorized. 

Yet I see multiple unauthorized inquiries : Capital One Auto Finance XX/XX/year> Capital One Auto Finance XX/XX/year> Capital One Auto Finance XXXX on XX/XX/year> XXXX XXXX XX/XX/year> These inquiries are harming my credit and were made without my consent or involvement. This is a violation of the Fair Credit Reporting Act ( FCRA ). 

Please investigate and remove these unauthorized hard pulls from my credit report. 

XXXX Type : Incorrect Account Status What Happened : My Comenity Capital Bank account XXXX reporting a XXXX late payment on XX/XX/year>, which is inaccurate. 

I attempted multiple times to enroll in automatic payments, but XXXX 's system never allowed it. As a result, Ive had to call manually each month to make my payments. I made a payment that month, but due to their limited billing options and technical restrictions, it appears to have been misreported. 

My account is in good standing, and Ive remained current since. 

XXXX Requested : Please remove the incorrectly reported late payment and update my payment history to reflect on-time status. This late mark occurred due to XXXX flawed auto-pay system and should not be held against me. 

XXXX. XXXX XXXX Issue Type : Account Status Incorrect / Goodwill Request What Happened : I experienced temporary banking issues which led to XXXX late payments on my Petal card account. These were not due to financial hardship and were immediately resolved. Since then, Ive made all payments on time. 
XXXX Requested : I am requesting a goodwill removal of these XXXX late payments based on my updated track record and quick resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: VA

Complaint narrative:
After reviewing my credit report, I discovered accounts that i did not recognize or applied for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts. in question, and they are negatively impacting my credit. per section 15 USC 1681 C-2, any fraudulent accounts that i did not authorize or signed a contract for must be removed off my credit report in 4 days.

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-07-22 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:
I am filing a complaint to formally notify you that I am a victim of identity theft. I recently discovered that erroneous activity has occurred using my personal information without my knowledge or consent. The information below details the accounts/inquiries I am disputing. 
Fraudulent Accounts/Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
I am filing a complaint to formally notify you that I am a victim of identity theft. I recently discovered that erroneous activity has occurred using my personal information without my knowledge or consent. The information below details the accounts/inquiries I am disputing. 
Fraudulent Accounts/Inquiries : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$570.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I dispute the accuracy and legal standing of this charged-off account appearing on my credit report. I demand that it be deleted immediately for the following violations : - LVNV is a debt buyer, not the original creditor, and must prove legal ownership of the debt through a complete chain of title, original signed agreement, and payment history which have not been presented. - Without this, the item is inaccurate, unverifiable, and incomplete, in direct violation of FCRA 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). - The FDCPA 809 ( b ) further requires that XXXX validate this debt upon request, which has not occurred. - Additionally, if this account includes inaccurate dates, balances, or remarks ( e.g., incorrect charge-off dates ), it also violates FCRA 607 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CarMax, Inc.
State: GA

Complaint narrative:
Carmaxx saying I owe them {$16000.00} I tried to go in and ask them about the deed of this car loan they did not provide me of this that I asked for the deed of the loan the date and the time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report 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.

And under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information If, after any reinvestigation of any information disputed by a consumer, an item is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item or modify it based on the results of the reinvestigation.

These accounts were either opened fraudulently, are inaccurate, or can not be verified. Ive never authorized these charges, leases, or purchases, and they are having a damaging impact on my credit profile.

The listed accounts were not opened or agreed to by me and I have submitted a formal FTC Identity Theft Report regarding these fraudulent items.

What would be a fair resolution to this issue?

I want these items removed and blocked from my credit profile. 



Disputed Accounts : XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$19000.00} Type : Collection XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. 

Account Number : XXXX Balance : {$770.00} Type : XXXX XXXX XXXX XXXX XXXX ( 1 ) Original Creditor XXXX XXXX  Account Number : XXXX Balance : {$5000.00} Type : Collection XXXX XXXX XXXX XXXX XXXX XXXX ) Original Creditor : XXXX Account Number : XXXX Balance : {$3400.00} Type : Collection XXXX XXXX  Account Number : XXXX Balance XXXX {$5200.00} ( charged off ) Type : Credit Card XXXX XXXX Account Number : XXXX Balance : {$320.00} ( charged off ) Type : Secured Card

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