vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX XXXX to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-01 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: AR

Complaint narrative:
I am formally requesting the prompt removal of the unauthorized accounts listed on my credit report, as I neither authorized nor was aware of their existence. In compliance with 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Enclosed are supporting documents for your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: MD

Complaint narrative:
Creditor :XX/XX/XXXX Account # : XXXX Reported By : Experian Credit Bureaus Ignoring This Account : XXXX Opened : XX/XX/XXXX Charged Off : XX/XX/XXXX Balance : {$920.00} ( 100 % usage ) Last Payment Date : XX/XX/XXXX Last Update : XX/XX/XXXX Status : Account charged off. {$920.00} written off. {$920.00} past due Reporting Duration : CO ( Charge Off ) every month from XX/XX/XXXX through XX/XX/XXXX Joint Account With : XXXX XXXX Key Violations : 1. Repeated Disputes Ignored ( FCRA 611 ( a ) ) I have disputed this account with Experian three separate times, and each time it has been marked as " verified '' without any explanation or supporting documentation. This violates the legal requirement to conduct a reasonable reinvestigation.

2. FCRA 609 ( a ) ( 1 ) No validation provided I have requested : The original signed credit agreement Itemized billing statements Charge-off breakdown Transaction and payment history None of this has been provided. You can not claim something is verified without showing the data behind it. 

3. FCRA 1681s-2 ( b ) False and conflicting data The account is listed as charged off and still past due this is factually conflicting and misleading. A charged-off account should not simultaneously show a past due balance unless its been re-aged, which is illegal.

Reporting CO every month for over 5 years violates Metro 2 rules charge-off status must only be reported once, not continuously.

4. Metro 2 Violation Improper status aging The account has 60+ months of CO statuses, which artificially inflates derogatory weight on my credit. This violates Metro 2 reporting guidelines. 

5. No Reporting from XXXX If this account was legitimate and verifiable, it would appear on all four credit bureaus. Yet XXXX is not reporting it at all, which raises red flags about the accounts validity and chain of custody. This inconsistency indicates the account is likely unverifiable or fabricated. 

6. Lack of Account in Dispute Notation Despite ongoing investigations and written disputes, Experian has failed to apply the mandatory consumer disputes this account notation, violating FCRA 611 ( c ).

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: GA

Complaint narrative:
In XXXX, I enrolled at XXXX XXXX XXXX  ( XXXX ) based on misleading claims about the programs accreditation, career outcomes, and costs. These misrepresentations influenced my decision to attend and take out both federal and private student loans. I later consolidated some of this debt into a private loan serviced by Firstmark Services and held by XXXX XXXX 

In XXXX, the U.S. Department of Education approved a full discharge of my federal student loans under the Borrower Defense to Repayment program, citing fraud and misconduct by XXXX. However, XXXX has repeatedly refused to acknowledge that my private loan was used to pay for the same fraudulent education. Despite my requests, they continue collections and claim the loan is not related to XXXX because it was consolidated under Nelnet. 

I have asked XXXX to reconsider this based on the loans origin and requested documentation showing what original loans were consolidated. Their latest response ( dated XX/XX/XXXX ) included a promissory note but denied any connection to XXXX, which is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: CarMax, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I entered into a retail installment contract with CarMax Auto Finance for a XXXX XXXX XXXX. After reviewing the terms and seeking clarity on the legitimacy of the financial obligation, I issued a formal, notarized demand under UCC 9-210 requesting a full accounting and proof of consideration on XX/XX/XXXX, XXXXspecifically, verifiable evidence that CarMax Auto Finance gave valuXXXX in the form of their own money or assets in connection with the loan agreement. 

To comply with UCC 9-210, a secured party must respond within 14 days to a request for an accounting or list of collateral. However, CarMax failed to provided any documentation, ledger entries, balance sheets, or banking records to substantiate that they parted with any consideration or took on any measurable financial risk. Under UCC 3-303 ( b ), value must be given in order for a party to enforce an instrument or claim holder-in-due-course status. 

This failure to provide proof of considerationwhen lawfully requestedconstitutes a commercial default. No party may lawfully enforce a debt or security interest without first establishing that value was given. Their silence amounts to non-performance and violates basic requirements under the Uniform Commercial Code and contract law. 

CarMaxs failure to comply with statutory obligations under UCC 9-210 and refusal to validate the basis of the loan violates commercial transparency standards and undermines my right to receive a full accounting before any further enforcement can proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is XXXX XXXX correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-01 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: CA

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is XXXX XXXX correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit Acceptance Corporation Attn : Customer Relations / Legal Department XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, MI XXXX Subject : Cease and Desist Wrongful Contact, Third-Party Disclosure, Emotional Distress, and Redemption Request To Whom It May Concern, I am writing to formally request the immediate cessation of all inappropriate communication regarding accounts that do not belong to me, as well as to resolve an ongoing issue with the redemption of my vehicle. 
Since approximately XX/XX/year>, I have initiated numerous phone calls from your organization at XXXX. Along with the company they partner with at this phone number ( XXXX ) XXXX, it was constant miscommunication, failure to give the correct information.These contacts include disclosures of other individuals account details, misinformation and neglect which is a clear violation of federal privacy and consumer protection laws, including : The Fair Debt Collection Practices Act ( FDCPA ) The Gramm-Leach-Bliley Act ( GLBA ) Potentially the Telephone Consumer Protection Act ( TCPA ) if robocalls were used This behavior has caused me significant emotional distress, including anxiety, confusion, and ongoing disruption to my peace of mind. I have documented call times, durations, and screenshots as evidence of the repeated communication, which I am prepared to submit as part of a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if the issue is not immediately resolved. 
Additionally, I am requesting full information related to the redemption of my repossessed vehicle, including : The payoff/reinstatement amount required A written breakdown of charges and fees applied Instructions on how and where I can retrieve my vehicle The exact location where the vehicle is currently being held Furthermore, I formally request that you provide a complete copy of all phone call records and transcripts between myself and Credit Acceptance representatives from XX/XX/year>, through XX/XX/year>. 
This letter serves as a legal notice of your violations and my intent to escalate this matter if it is not addressed immediately. Please respond in writing within XXXX business days. Failure to respond will result in the initiation of formal complaints and possible legal action for : Emotional damages Privacy law violations Harassment and miscommunication delaying lawful vehicle redemption Loss of Wages due to high interest

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 2025-07-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hello my name is XXXX XXXX. In 2023 I checked my Experian and realized I had multiple people address on my report and one report always was someone with a similar name and similar social with debt of cars on my credit. Experian had me dispute it but threw the years this has messed my credit up so bad, I still go into places and Im denied for cars and denied for everything. Before this happened I was able to get loans and was approved after this its been a struggle.

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 2025-07-01 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL, XXXX Equifax P.O. XXXX XXXX XXXX, GA XXXX Your Account Number XXXX Account Name XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
XXXX XXXX resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, 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