vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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 filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
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

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 2025-06-05 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 submitted a dispute to TransUnion regarding inaccurate information on my credit reports. It has been over 30 days, and they have failed to investigate or correct the errors as required by the Fair Credit Reporting Act. 

Their inaction is harming my credit and violating my rights. Im requesting CFPB intervention to ensure they take proper action and remove the disputed information.

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 2025-06-05 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: CarMax, Inc.
State: CA

Complaint narrative:
CarMax Auto Finance has failed to properly respond to multiple formal disputes regarding an account falsely reported as charged-off every month since XXXX. This constitutes unlawful re-aging of derogatory information and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). Despite receiving a formal demand for arbitration and a cease communication order, CarMax has ignored all correspondence and continues to report the account inaccurately. 

I sent multiple disputes to CarMax via certified mail ( tracking # XXXX ), received on XX/XX/XXXX. 
CarMax was provided documentation of their FCRA violations, including failure to update or correct the tradeline, and was formally served with an Election of Arbitration, which they have refused to acknowledge.

I requested a 1099-C form if the debt was canceled ; no confirmation or denial was ever provided. 
CarMax has also ignored : My formal cease and desist letter A detailed Demand for Deletion Prior dispute letters to the credit bureaus Ongoing harm caused by this inaccurate reporting, including credit denials, emotional distress, and denial of housing and funding. 
Violations Cited : FCRA 623 ( a ) ( 5 ) : Improper delinquency reporting FCRA 611 : Failure to reinvestigate FDCPA 805 ( c ) : Ignoring cease communication FCRA 607 ( b ) : Inadequate procedures to ensure accuracy IRS Code 6050P : 1099-C related compliance failure Breach of Arbitration Clause : As found in CarMax Terms of Use Supporting Documents : Attach the following when prompted by CFPB : Final dispute and arbitration demand letter ( XX/XX/XXXX ) Cease & Desist letter USPS proof of delivery ( certified mail ) Screenshot of credit reports with ongoing negative reporting CarMaxs stall or non-responses ( if applicable ) Any evidence of credit denial or financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in response to the correspondence I received requesting verification of my identification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
THIS A FORMAL COMPLAINT THAT YOURE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ACCORDING TO THE FAIR CREDIT REPORTING ACT SECTION 609 ( A ) ( 1 ) ( A ) YOUR REQUIRED BY FEDERAL LAW TO VERIFY THROUGH PHYSICAL VERIFICATION OF THE ORIGINAL SIGN CONTRACT ANY AND ALL THE ACCOUNT THAT POST ON THE CREDIT REPORT. OTHERWISE ANYONE PAYING FOR DEBT IS PROBALY FRAUDULENT. I DEMAND TO SEE VERIFITED PROOF PLEASE REMOVE THIS ACCOUNT FROM MY REPORT IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
I am writing to formally dispute and demand the immediate deletion of an inaccurate and damaging late payment entry reported by XXXX XXXX XXXX on my Equifax credit report dated [ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
I am a victim of identity theft. I had to file XXXX XXXX in order to clear stuff off my credit. The debt was filed in my bankruptcy. The following company has taken over the debt and has came back reporting to the credit bureau with discharged and false information. The bankruptcy was discharged in XXXX of 2024.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have Wells Fargo Business Checking account ending in XXXX. It took more than 4 days for them to get the employee 's entry in Direct Pay. Finally when it happened and I need to run the payroll- I am getting the error - it is trying to send me a push notification - even I am already verified and that push notification is not working.

When that push notification is not working it has alternative to send a push notification only and nothing else. Why not simple text message?

Wells Fargo has hired most inefficient, useless and inept people on their business banking side. Since last 3 months - I am constantly asking to take care of this push notification which is very buggy and problematic. 

This business checking account is nothing but a joke- I can not even pay the employees on time. 

On phone call with Wells Fargo at around XXXX XXXX Central time... another pattern-shamelessly Wells fargo keep on transferring the call from one person to another - very fragmented operations ... I don't think Wells Fargo is capable of running Business bank accounts.

I don't want any useless Wells Fargo executive to give me a call to tell me " hey I am working on this issue etc ... '' Sorry my time is valuable. I am 100 % sure that entire Wells Fargo is filled with sharmeless folks that rather than addressing the issue- they will simply want to put it under the rugs. Every thing is explained here... Use your brain and understand it ... no need to call me and waste my time.

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 2025-06-05 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:
It is distressing to see an incorrect late payment on my account, particularly given my consistent adherence to payment deadlines. This mistake is causing undue anxiety, and I respectfully ask that you rectify this issue by updating my records accordingly.

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 2025-06-05 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: PA

Complaint narrative:
This letter is in response to your XX/XX/year> correspondence concerning the account allegedly acquired by XXXX XXXX XXXX, originally with XXXX, and currently being reported to the credit bureaus under my name. 
After reviewing your response, I must reiterate that I dispute the validity of this alleged debt for the following reasons : Your letter claims that this account has been properly verified under the FDCPA. However, the documents you provided ( statements and boilerplate terms and conditions ) do not constitute legal validation of the debt. Specifically, your response failed to include : A signed agreement linking me to XXXX  or any contractual obligation ; A complete chain of title showing lawful transfer from XXXX to XXXX XXXX  ; Proof that XXXX Funding has the legal right to collect or report this debt. 


Merely restating amounts and enclosing internal billing documents does not meet federal validation standards. 

Under UCC 9-406 ( c ) and industry standards, I am entitled to request proof of assignment. Your refusal to produce a redacted purchase agreement or similar legal transfer documentation is concerning. If XXXX XXXX can not demonstrate a lawful and verifiable chain of title, it has no legal basis to collect or report this debt. 

The continued reporting of this alleged account on my credit file, in light of your failure to validate it, raises serious compliance concerns under the Fair Credit Reporting Act. Data furnishers are required to ensure information is complete and accurate. If you can not verify legal ownership, this account must be removed from all credit reports immediately. 

I hereby request that you : Cease all collection activity on this account ; Delete the tradeline from all consumer reporting agencies ; Provide a detailed breakdown of how the balance was calculated, including any interest or fees added after charge-off ; Furnish proof of how and when this debt was allegedly incurred.

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 2025-06-05 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: LA

Complaint narrative:
I have discovered authorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission. My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including the accounts and inquiries in my credit report. I strongly believe that this situation exploits me, and I seek resolution.

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 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: OR

Complaint narrative:
I purchased a new car with a loan through Hyundai Motor Finance. I moved to a new state a year ago, and I have been trying to transfer my title to the new state. I have followed all of HMF 's instructions, but every time I mail the exact documents they request to the address they indicated, they mail them directly back to me with no communication or indication that anything was wrong. There is no way to contact the offices listed on their website, only a number to a call center which has no information on why the documents were returned. The people I have spoken to at the call center didn't seem to even understand the title transfer process. My registration is now expired and I will get an expensive ticket if I'm pulled over driving the car. I have tried everything, but the company has seems to be set up in a way that makes contacting any human being that works at that office to be impossible. I have looked online and found many other people who have had the same issues with this company, and they all said contacting the CFPB was the quickest way to get the company 's attention.

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 2025-06-05 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: NV

Complaint narrative:
My account had a balance of XXXX on account and my security deposit was used to confirm some of it. I have paid in full and it is being reported as a charge off and they havent updated balance on my credit report even after disputing it two times already.

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 2025-06-05 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: NV

Complaint narrative:
My account had a balance of XXXX on account and my security deposit was used to confirm some of it. I have paid in full and it is being reported as a charge off and they havent updated balance on my credit report even after disputing it two times already.

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 2025-06-05 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: NV

Complaint narrative:
My account had a balance of XXXX on account and my security deposit was used to confirm some of it. I have paid in full and it is being reported as a charge off and they havent updated balance on my credit report even after disputing it two times already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/XXXX I contacted USAA in regulates to 3 NSF fees. The overdraft protection was enabled back in XXXX by a rep that said it was enabled. It was not. On XX/XX/XXXX, XX/XX/XXXX and XXXX I was charged overdraft fees of XXXX spoon calling they said there was nothing they could do about the fees. USAA DID NOT notice me about the overdrawn account nor was the overdraft protection ever enabled.

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 2025-06-05 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have challenged all of the false litigations on my credit file over 90 days ago. I'm a victim of IDENTITY THEFT. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. Im sending a copy of my ID, which includes my address, and a copy of my social security number, police report, and an FTC identity theft report.

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 2025-06-05 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: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
I am filing this complaint against Auto Now Financial Services and XXXX for inaccurate credit reporting and failure to correct false information, despite multiple disputes. 

In XX/XX/XXXX, I voluntarily surrendered a vehicle to Auto Now Financial Services. However, the account on my XXXX credit report is inaccurately reported as a repossession, and then shows a voluntary surrender the following month ( XX/XX/XXXX ), which is contradictory and misleading. 

Additionally, the account shows a new balance of {$5200.00} as of XX/XX/XXXX more than three years after the surrender with no explanation or documentation of how that amount was calculated. The account is clearly outdated, misleading, and damaging to my credit profile. 

I have disputed this account with XXXX  at least seven times, but they continue to retain it on my report and claim the information was verified by the furnisher. This response has not changed despite clear factual inconsistencies and XXXX obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable investigation. 

This inaccurate reporting has caused serious harm to my credit standing, and I am requesting the complete removal of this Auto Now Financial account from my XXXX credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
According to 15 U.S.C. 16816-2, a consumer reporting agency must block the reporting of any information that the consumer identifies as resulting from identity theft within 4 business days. 

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 2025-06-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCF Intermediate Holdings LLC
State: NV

Complaint narrative:
I received a letter saying that I am owed a debt to rapid cash. However, that account was paid in full through the first debt collector whose name was XXXX XXXXXXXX XXXX XXXX that account was paid for in full, and I am not responsible for the fact that rapid cash. Somehow didn't collect that information prior to the this debt collection going out of business. I have tried to personally reach out to this recovery system, but the phone number provided even when you look it up doesn't take you to the debt collectors, and I think it's very odd and unfair that they don't seem to remember sending this company. My dad but it was on my credit score and it was removed because it was paid in full And I think it's very odd that they just don't have any information and can't look app this account. And can't recall, but I have proof that it was this debt collection that they sent my account to and it's weird, they're trying to say, oh we don't have that information or we can't verify that which makes no sense because add asra is what rapid cash used to collect my debt and I paid it off in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
Equifax is reporting incorrect information on consumer report. There are names and addresses listed that do not belong to me. 

My name is XXXX XXXX. This should be the only name listed on my consumer report. 

My address is XXXXXX/XX/XXXXXXXX GA, XXXX this is my ONLY address. 

Any other information listed is incorrect and should be immediately deleted from my consumer report. Failure to remove the information will result in legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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