vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : 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 * has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an 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 2025-05-17 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXXXXXX  ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX ACCOUNT XXXX XXXX  XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT XXXXXXXX XXXX XXXX XXXX XXXX  has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
I have been letting this credit card company know since 2019 that this account was not mine and they continued to advise me that because someone used it, its mine and never resolved the issue even with the address the card went to not being mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I have been letting this credit card company know since 2019 that this account was not mine and they continued to advise me that because someone used it, its mine and never resolved the issue even with the address the card went to not being mine

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 2025-05-17 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: GA

Complaint narrative:
I have been letting this credit card company know since 2019 that this account was not mine and they continued to advise me that because someone used it, its mine and never resolved the issue even with the address the card went to not being mine

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 2025-05-17 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 disputing a XXXX XXXX account ( ending in XXXX ) reported by Equifax. I was only added as an authorized user and never agreed to be financially responsible for this account. I filed a dispute with Equifax on XX/XX/year>, and received a response confirming I was an authorized user, but they refused to remove the account. 

This account has already been removed from both XXXX  and XXXX. Under the Fair Credit Reporting Act ( FCRA ), authorized users should not be held responsible for charged-off accounts. I am requesting CFPBs help to have this inaccurate account deleted from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC

Complaint narrative:
I have an account with XXXX to add money for my childs school lunch. It is the Only way we can pay for school lunch. They charge a flat fee of {$3.00} every time I did money tot childs account. I can only afford to add {$20.00} at a time so the fee is a huge percent. 

In addition I have multiple kids, but they charge the {$3.00} on each child on each time I add funds. 

Additionally there is an upper limit and you can not add more than {$120.00} to the account at one time. When I had a debt on one of my accounts I could not pay off all at once to only pay one fee, they make you pay in chunks of {$120.00} max, collecting the fee each time. I submitted a form on the contact page with this feedback and got no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: NY

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XX/XX/year> XXXX 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 non-monetary relief
Consumer complaint received 2025-05-17 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: CT

Complaint narrative:
I want to emphasize that this complaint is not made in error. My credit report contains inaccuracies that fail to meet the standard of maximum possible accuracy, as required under the Fair Credit Reporting Act. These errors are having a serious and ongoing negative impact on my life. During these already difficult times, correcting or removing these inaccuracies would offer significant relief and greatly improve my financial and emotional well-being. I respectfully urge that this matter be addressed with urgency and care.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: NY

Complaint narrative:
i recently submitted a disputed questioning the accuracy of the tradeline with CarMax Auto Finance. in the company 's response the documents provided to me CarMax states they disagree and that the information being reported on my credit report is accurate.as it is law and a right that a company reports information accurately. many payments has been made yet the company has stop reporting payment history to the bureaus for months greatly affecting my report This account is currently in XXXX status in this status on fees or late fees are charged. Carmax states the tradeline balance is {$4500.00} looking at the payment history provided by CarMax for the months XXXX my payments brought the total balance down to {$4000.00} this proved my suspicion of unreported payments deeming the tradeline balance incorrect seeing this incorrect balance reported and seeing the company response after it being brought to their attention my faith in Carmax to resolving this issue is low the company seems to report what they want with no penalty

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
I was evicted from an apartment on XX/XX/2022, and was ordered by the court to pay {$4800.00} in owed rent. In early XX/XX/2022 ( or possibly shortly before ) I received a letter stating that the apartment complex had referred the matter to a collection agency called Fair Collections & Outsourcing ( FCO ).

FCO has been attempting to collect rent through XX/XX/2022 in the amount of {$12000.00}, nearly three times the amount I was legally obligated to pay. At the time of eviction, I was a month-to-month holdover tenant with no active lease, and I was no longer residing in the apartment due to the eviction. Therefore, there is no legal basis for FCO to attempt to collect rent beyond what the court ordered.

I have disputed this amount through XXXX and other credit reporting platforms, including the court order which clearly shows the amount I owed to the apartment, but FCO continues to report the inflated balance as verified, despite the clear discrepancy.

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 2025-05-17 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : Account XXXX ( XXXX ) : # XXXX, # XXXX, # XXXX, # XXXX These accounts have willfully and/or negligently violated my rights under federal law. Specifically : 15 U.S.C. 1681 Section 602 ( a ) clearly states that Congress determined there is a need to ensure fair and accurate credit reporting and to protect consumer privacy. This section emphasizes the importance of maintaining the confidentiality, accuracy, relevance, and proper utilization of consumer information.

15 U.S.C. 1681b ( Section 604 ) outlines the permissible purposes for obtaining a consumer report. Section 604 ( a ) ( 2 ) specifically states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. I have not provided written authorization or instructions allowing the dissemination or reporting of my consumer information in relation to the accounts listed above. 

Therefore, I am demanding the immediate deletion of any unauthorized accounts or entries associated with my credit file that were reported or accessed without my explicit written consent, in violation of the FCRA. 

Failure to comply with these federally protected rights may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing claims in federal court for damages pursuant to 15 U.S.C. 1681n and 1681o.

Please confirm in writing that these accounts will be deleted and that no further violations will occur. This is an official notice and should be treated as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : Account XXXX ( XXXX ) : # XXXX, # XXXX, # XXXX, # XXXX These accounts have willfully and/or negligently violated my rights under federal law. Specifically : 15 U.S.C. 1681 Section 602 ( a ) clearly states that Congress determined there is a need to ensure fair and accurate credit reporting and to protect consumer privacy. This section emphasizes the importance of maintaining the confidentiality, accuracy, relevance, and proper utilization of consumer information.

15 U.S.C. 1681b ( Section 604 ) outlines the permissible purposes for obtaining a consumer report. Section 604 ( a ) ( 2 ) specifically states that a consumer reporting agency may only furnish a consumer report with the written instructions of the consumer. I have not provided written authorization or instructions allowing the dissemination or reporting of my consumer information in relation to the accounts listed above. 

Therefore, I am demanding the immediate deletion of any unauthorized accounts or entries associated with my credit file that were reported or accessed without my explicit written consent, in violation of the FCRA. 

Failure to comply with these federally protected rights may result in legal action, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing claims in federal court for damages pursuant to 15 U.S.C. 1681n and 1681o.

Please confirm in writing that these accounts will be deleted and that no further violations will occur. This is an official notice and should be treated as such.

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 2025-05-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
This is regarding American Express dispute XXXX. I am sick and tired of this company treating XXXX customers like me as second clsss XXXX  and discriminate against me by constantly reopening my disputes. I have provided all the proof to American Express the damaged items were returned yet they open my chargeback again because they dont believe my evidence because I am XXXX. This is despicable. I am very close to closing my card entirely with them because this treatment is unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Several disputes were sent to all XXXX credit bureaus about the removal of XXXX in my credit reports in XXXX and XXXX and the credit bureaus refuse to comply with my request.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Several disputes were sent to all XXXX credit bureaus about the removal of XXXX in my credit reports in XXXX and XXXX and the credit bureaus refuse to comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
1 ) Equifax is reporting a charged-off account from XXXX XXXX XXXXXXXX that I did not authorize or open. This is the result of identity theft. I have no knowledge of this account and it does not appear on my XXXX XXXX XXXX reports. I submitted a 605B block letter with ID and address verification, and Equifax has failed to remove the account. 

2 ) Equifax is reporting a paid repossession from XXXX XXXX XXXX that I did not authorize or recognize. This is the result of identity theft. The account appears only on Equifax and has derogatory notations. I submitted a formal FCRA 605B identity theft block letter, and no action has been taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: CO

Complaint narrative:
Equifax, XXXX, or TransUnion ) wont correct inaccurate information. 

Complaint type : Credit Equifax Issue : Incorrect information on my credit report What happened : I found inaccurate information on my credit report provided by [ XXXXEquifax/TransUnion or creditors name ]. The information in question is : Closed account XXXX  XXXX Closed XX/XX/XXXX XXXX Closed account XXXX XXXX  XXXX Closed XX/XX/XXXX XXXX Closed account XXXX Closed XX/XX/XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX XXXX Closed account XXXX  Closed XX/XX/XXXX Closed account XXXX Closed XX/XX/XXXX XXXX  Closed account XXXX XXXX Closed XXXX XXXX, XXXX XXXX All accounts above, marked as unpaid, which I do not recognize or owe. 

I submitted a dispute to the credit bureau on Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Dispute history Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XXXX XXXX, XXXX Dispute : XXXX Resolved XX/XX/XXXX Dispute : XXXX Resolved XX/XX/XXXX stating that the account was verified. However, I was not given any documentation showing how the account was verified, and the information remains inaccurate. 

I also contacted the original creditor/debt collector directly and requested verification of the debt on XXXX XXXX, XXXX, but I have not received a meaningful response or any documentation to support their claim. 

Desired resolution : I want this inaccurate information permanently removed or corrected on my credit report. It is affecting my credit score and causing me financial harm. Please assist in having this issue resolved, and request that the company provides documentation of the account verification or removes the tradeline as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief