vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-18 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: GA

Complaint narrative:
I am submitting this complaint to report multiple inaccurate and misleading items appearing across my credit reports from Experian, XXXX XXXX XXXX that have harmed my creditworthiness and caused ongoing distress. My account with XXXX  ( XXXX / XXXX ) has been reported with XXXX and XXXX late payments despite maintaining a {$0.00} balance since its opening in XX/XX/XXXX, with inconsistent account identifiers across the bureaus ; my XXXX  XXXX ( XXXX ) account shows conflicting opening dates of XX/XX/XXXX and XX/XX/XXXX, inconsistent balances of {$430.00}, and last reporting dates extending into XX/XX/XXXX, all of which constitute obsolete and unverifiable information ; additionally, multiple hard inquiries including XXXX XXXX XXXXXX/XX/XXXX ), XXXX XXXX XXXX XXXX  ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX, XXXX XXXX XXXX ( XX/XX/XXXX ), CON XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX XX/XX/XXXX ) appear without proper authorization, permissible purpose, or are outdated, violating my rights under FCRA 604 ( a ), 605 ( a ), 611, 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ). Despite previous attempts to dispute these errors directly with the bureaus, the inaccurate reporting persists, causing financial harm, stress, and a false representation of my creditworthiness, and I am requesting that the CFPB intervene to ensure proper investigation, and deletion of all inaccurate, obsolete, and unauthorized 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 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America refused to respond to the questions I raised in my original dispute and completely ignored the information I provided about my documented hardship. I asked them to explain why they reported a late payment while I was in hardship, to show what information they verified, and to provide an actual investigation. They never answered any of these questions. 

Instead, out of nowhere, they sent me a new denial letter claiming the information was accurate without providing any proof, details, or supporting documentation. They did not address my hardship, did not explain anything they supposedly reviewed, and did not acknowledge the issues I raised. Their letter was generic, dismissive, and treated my dispute as resolved even though none of my concerns were addressed. 

This is a XXXX issue because the letter they sent me is a XXXX false investigation result. They are now refusing to correct inaccurate reporting, refusing to respond to my questions, and refusing to provide any explanation for their actions. They simply closed my account and repeated that the reporting is accurate without showing anything they actually reviewed. 

There has been no fair investigation and no fair resolution. Bank of America did not respond to my information, did not answer my questions, and sent a generic denial letter instead of conducting a proper review. This is a new violation and needs to be investigated separately.

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 monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: CarMax, Inc.
State: SC

Complaint narrative:
I called CarMax and setup payment for a regular payment on my account for XX/XX/XXXX which is today 's date. I had XXXX twice in the last XXXX months and had been out of work a lot. I did not have any sick time at work and I new my check was going to be docked for 4 days that i had been out of work. I called them on XX/XX/year> and asked if I could move the payment until XX/XX/XXXX, they said no, BUT they would give me until XX/XX/XXXX and I said OK. While I was talking on the phone to them, my battery died. I never received any confirmation that my payment that was scheduled on XX/XX/XXXX nor did I receive an email or confirmation stating that my payment was changed to XX/XX/XXXX. Since I never called back and never received any confirmation, I got my check and had enough money to cover the payment and thought that it would still come out on XX/XX/XXXX. I wasn't aware that I needed to call and I never received notification that my car would be repossed on XX/XX/XXXX if I did not make a payment. If I was offered until XX/XX/XXXX to make a payment why was my car taken on XX/XX/XXXX, I have to do to the doctor 3 times a week for treatment and I am working a full time XXXX XXXX trying my best to get caught back up. I have another job with XXXX XXXX starting XX/XX/XXXX that will help me catch up my car payments. I am behind on everything right now due to medical bills and being out of work. I recently had to move out of my house into an apartment so I could save money, I don't understand why my car was taken today. It hasn't reached 90 days past due and again if I was going to be offered until XX/XX/XXXX, why was my car repossed on XX/XX/XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


INQUIRIES : XXXX XXXX  XX/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 explanation
Consumer complaint received 2025-11-18 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXubject: Request to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\n\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n\n1XXXX XXXX XXXX XXXX XXXX XXXX XXXXnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activityXXXX 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 2025-11-18 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-18 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: FL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-11-18 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 filing this complaint because Experian is reporting multiple inaccurate items on my credit report, including duplicate accounts, re-aged accounts, inconsistent information, and incorrect late-payment histories. These are new violations that were not part of my prior complaints and represent ongoing harm. 
XXXX. Duplicate accounts Experian is reporting multiple versions of the same accounts as separate tradelines. 
Examples : XXXX ( same account number ) reported twice with different open dates. 
XXXX reported twice under different names. 
XXXX appears more than once. 
XXXX is reported differently than the other bureaus. 
XXXX. Conflicting and inconsistent information XXXX XXXXeports information that contradicts XXXX and Equifax. 
Examples : XXXX XXXX shows XXXX late payments on XXXX XXXX XXXX  shows XXXX and Equifax shows XXXX. 
XXXX mortgage shows different status and payment information on each bureau. 
Some accounts appear on Experian but not on the other bureaus. 
XXXX. Re-aged accounts Accounts from XXXX now show Date Reported in 2025, which is not permissible and artificially damages my score. 
4. Failure to conduct a reasonable investigation Experian previously marked my disputes as verified, but the accounts remain duplicated, re-aged, or inconsistent.

This violates FCRA 611.

5. Missing original creditor information Some accounts ( including collections ) are missing required information such as the original creditor, violating FCRA 609 ( a ) ( 1 ). 
These errors have caused a severe drop in my credit score and ongoing financial harm. 
I am providing screenshots as evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. According to 15 U.S. Code 1681c-2, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent account : XXXX. XXXX XXXX XXXX Account : XXXX Is in violation of 1681i 5B and 1681c-2

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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: NCB Management Services Inc.
State: VA

Complaint narrative:
This is my response to XXXX statement. NCB is attempting to claim they validated the debt, but they did not provide proper validation as required under FDCPA 15 USC 1692g ( b ).

NCB still has not provided : A signed contract or application showing I agreed to this account Proof of my signature ( wet or electronic ) A complete chain of title linking my specific account number to the Bill of Sale Documentation that my account was included in the file referenced in the Bill of Sale A full accounting statement from the original creditor showing how the balance was calculated Providing generic billing statements, a generic cardmember agreement, and a generic bill of sale does not meet the legal standard for validation. 

NCB is misrepresenting these documents as validation in violation of : FDCPA 1692g ( b ) Failure to validate FDCPA 1692e Misleading representations FCRA 623 Furnishing unverifiable/inaccurate information No document they provided shows : XXXX. That I opened the account XXXX. That I agreed to the terms XXXX. That they legally own my specific account XXXX. That the balance is correct I am requesting the CFPB to require NCB to either : Provide a signed agreement, chain of title, and full itemized accounting, or Cease collection and remove all credit reporting for failure to legally validate the debt. 


NCB has NOT met the legal requirements for validation and continues to furnish information without proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
I am submitting this complaint to formally dispute and demand the removal of multiple unauthorized and unverifiable inquiries appearing on my Experian, Equifax, and TransUnion credit reports, which were made without my consent and violate my rights under FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), all of which clearly state that a consumer reporting agency may furnish a credit report only for a permissible purpose and that unauthorized inquiries are prohibited ; upon reviewing my credit reports, I identified numerous inquiries I never authorized, including on Experian : XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX OF XXXX XX/XX/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 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 XX/XX/XXXX XXXX CG HONDAOR XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 XXXXXX/XX/XXXX ; none of these inquiries were authorized by me or satisfy a permissible purpose under the FCRA, and their reporting is therefore inaccurate, misleading XXXX and detrimental to my creditworthiness.

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 2025-11-18 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
Im a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. According to XXXX U.S. Code XXXX, This is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a results of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer. Fraudulent account : XXXXAMSHER COLLECTION XXXX  ACCOUNT : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation