vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: IL

Complaint narrative:
To Whom It May Concern : I am sending this letter to you in response to a notice I received from you .Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. If your offices have reported invalid information to any of the three major Credit Bureaus ( XXXX, XXXX  or XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because [ Experian / Equifax XXXX TransUnion ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( 2023 ), the court held inaccuracies must be corrected whether factual or legal ; in Kirtz ( 2024 ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( 2023 ), TransUnion paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : === CHARGE OFF === TU : XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-13 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 submitting this complaint to dispute inaccurate or unverifiable information being reported on my credit report. I request that the credit reporting agencies conduct a proper investigation and correct or remove the inaccurate information. 

CHARGED OFF ACCOUNTS XXXX  XXXX XXXX XX/XX/XXXX {$580.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$740.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} Statement : I dispute these charged-off accounts as inaccurate, incomplete, or unverifiable. Please investigate and provide documentation proving the validity of each account. Remove any unverifiable or inaccurate information. 

INQUIRIES None to dispute at this time. 

LATE PAYMENTS XXXX  XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Statement : I dispute the reported late payments. I request that each reported late payment be verified, including dates and amounts, and that any inaccurate or unverifiable entries be removed from my credit 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 non-monetary relief
Consumer complaint received 2025-11-13 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: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was already closed and charged off, but this company is still on my credit reporting negative to affect my credit scores. This is not fair for an account that was already closed.

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 2025-11-13 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 requesting for the following inquiries to be removed from my credit bureau reports. I am unfamiliar to the accounts reported. 

Experian XXXX XXXX Exquifax XXXX XXXX XXXX XXXX-XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Transunion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-11-13 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 dispute the following accounts listed on my TransUnion credit report. After carefully reviewing the information, I believe that these accounts are reported incorrectly and need to be investigated. 

Charged-Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I have been getting calls from various debt collectors for debt that does not belong to me. This has been happening ever since I acquired this phone number which was around XXXX years ago. 

I keep telling these collectors to remove me from their list but it never stops. 

This is the latest attempt : XX/XX/year> - Called by IC Systems XX/XX/year> - Called by IC Systems XX/XX/year> - Called by IC Systems XX/XX/year> - Called by IC Systems twice XX/XX/year> - I called IC Systems asking for more information. None was provided but they tried to pressure me into revealing my personal information. I called back and asked to be removed from the list

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 2025-11-13 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: WY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-13 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: VA

Complaint narrative:
I am submitting a formal dispute regarding fraudulent information on my Experian, Equifax, and Transunion credit file. I am a victim of identity theft, and the XXXX  XXXX account currently appearing on my report was opened/used without my authorization and must be blocked and removed immediately pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 

I have already filed an FTC Identity Theft Report, and my report number is : FTC Report # : [ XXXX ] Under FCRA 605B, a consumer reporting agency must block all information resulting from identity theft within 4 business days of receiving : Proper proof of identity, An identity theft report, and A written request from the consumer. 

This message serves as my written request. 

Disputed Account Information : Creditor : XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX  XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX Nature of Dispute : Identity theft / Fraudulent account Requested Action : Immediate blocking and permanent removal of this account from my credit file under FCRA 605B I did not authorize, or benefit from any activity related to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its continued reporting is inaccurate, damaging, and violates my rights under federal law. 

Requested Resolution : Please block and delete this XXXX  XXXX account from my Experian file within XXXXour ( 4 ) business days in compliance with FCRA 605B. 

Attached are : My FTC Identity Theft Report, My government-issued ID,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: VA

Complaint narrative:
I am submitting a formal dispute regarding fraudulent information on my Experian, Equifax, and Transunion credit file. I am a victim of identity theft, and the XXXX  XXXX account currently appearing on my report was opened/used without my authorization and must be blocked and removed immediately pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). 

I have already filed an FTC Identity Theft Report, and my report number is : FTC Report # : [ XXXX ] Under FCRA 605B, a consumer reporting agency must block all information resulting from identity theft within 4 business days of receiving : Proper proof of identity, An identity theft report, and A written request from the consumer. 

This message serves as my written request. 

Disputed Account Information : Creditor : XXXX  XXXX Account XXXX XXXX XXXX Account XXXX XXXX  XXXX  XXXX Account XXXX XXXX XXXX XXXX Account XXXX Nature of Dispute : Identity theft / Fraudulent account Requested Action : Immediate blocking and permanent removal of this account from my credit file under FCRA 605B I did not authorize, or benefit from any activity related to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Its continued reporting is inaccurate, damaging, and violates my rights under federal law. 

Requested Resolution : Please block and delete this XXXX  XXXX account from my Experian file within XXXXour ( 4 ) business days in compliance with FCRA 605B. 

Attached are : My FTC Identity Theft Report, My government-issued ID,

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 2025-11-13 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: AZ

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-13 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: NC

Complaint narrative:
I am writing to file a formal dispute with regard to accounts and inquiries that have been inaccurately reported on my credit file. I request that the following disputes be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
1. Equifax ( EQ ) I dispute the accuracy of the following charged-off accounts listed under my Equifax credit report : Account Name : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$5300.00} Account Name : XXXX Account Number : XXXX Account Date : XX/XX/XXXX Balance : {$2500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
Recently i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( 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. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - XXXX US DEPT OF EDXXXX - XXXX - XX/XX/XXXX - XXXX US DEPT OF EDXXXX - XXXX - XX/XX/XXXX - XXXX US DEPT OF ED/XXXX XXXX XXXX - XX/XX/XXXX - XXXX US DEPT OF EDXXXX - XXXX XXXX XX/XX/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 2025-11-13 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 regarding multiple charged-off accounts and inquiries that appear inaccurate, incomplete, or unverifiable on my Equifax credit report. I have previously disputed some of these items directly with the bureau but have not received sufficient verification or correction. 

Charged-Off Accounts in Dispute XXXX XXXX  XXXX XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} XXXX ( XXXX ) Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} XXXX Account XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} XXXX XXXX Account No. XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00} Reason for Dispute : The reporting of these accounts is inconsistent across bureaus and may not be accurate. Some balances and charge-off statuses appear incorrect or unverified. I am requesting that Equifax provide proper documentation verifying these accounts or remove them entirely if they can not be validated in accordance with the Fair Credit Reporting Act ( FCRA ). 

Inquiries in Dispute XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Reason for Dispute : I do not recall authorizing all of these hard inquiries. I request that Equifax verify whether these inquiries were made with my written authorization or for a permissible purpose. Any inquiry that can not be verified should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: OH

Complaint narrative:
Account ending in XXXX : A complaint filed by consumer XXXX XXXX against XXXX XXXX , alleging Unfair, Deceptive, or Abusive Acts or Practices that caused significant financial and credit damage. Core Allegations : Deceptive Enrollment : XXXX XXXX claims he was misled into opening a XXXX account at a dental office while in a vulnerable state. He was allegedly told the account was " interest-free '' but later discovered it was a high-interest ( 26.99 % ) deferred interest product. He did not receive a copy of the agreement and relied on the inaccurate oral representations. Improper Charges and Undisclosed Terms : Due to the alleged deception, the consumer incurred significant debt, interest, and fees. He also claims some charges are for unrecognized services. Credit Reporting Issues : XXXXXXXX XXXX is accused of closing the account without notice and furnishing inaccurate information to a credit reporting agency, resulting in damage to his credit score. Consumer Actions : XXXX XXXX is formally disputing the claim and is seeking debt validation. He has sent XXXX requests ( on XX/XX/25, XX/XX/25, and a third request in the provided text ) via certified mail for an original signed contract and the chain of title, which he states have not been provided.

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 2025-11-13 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: NJ

Complaint narrative:
On XX/XX/year> somebody stole my phone and accessed my bank account and sent themselves {$450.00} on XXXX XXXX. I tried to dispute the transaction with chime but they were not helpful at all and denied my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
XXXX XXXX  is reporting a late payment on the date of XX/XX/2022 in which is incorrect .. I have contacted them and was told by my account being closed to dispute the 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 explanation
Consumer complaint received 2025-11-13 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: TX

Complaint narrative:
XXXX XXXX is reporting a late payment on the date of XX/XX/year> in which is incorrect .. I have contacted them and was told by my account being closed to dispute the 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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: TX

Complaint narrative:
I borrowed XXXX from big picture lone. 
The interest is so high and bi weekly. 
After continuing making payments still adding up for the interest. Struggling to make payments every two weeks.

Company response to consumer: Closed with explanation