vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: MO

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-30 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CarMax, Inc.
State: NC

Complaint narrative:
b'On XXXX XXXX  I was involved in a car accident that resulted in the vehicle being deemed a total loss. This was reported immediately to my insurance company, State Farm, as well as to CarMax. XXXX XXXX has done everything required up to the point that they have the amount they will pay for my claim. CarMax however has not done anything they were supposed to do until recently. Apparantly, from what they say, CarMax finally just sent a "Letter of Guarantee" to XXXX XXXX yesterday, XXXX XXXX XXXX XXXX XXXX  months after the incident. Because the car was a loss and would be handled by insurance (XXXX XXXX has possession of the vehicle, I do not anymore) payments on the loan were to cease. Since now the payment is "past due over XXXX  days", my credit score has taken a XXXX  point dive. This is all due to CarMax\'s negligence and inability to properly process the paperwork my insurance company requires to move forward.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally dispute and request the blocking of certain inaccurate and fraudulent information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681C-2 I am a victim of identity theft, and the following account or items on my credit file do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: KY

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-30 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: LA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX someone used my PayPal account to purchase items from XXXX. My bank paid for the purchases on XXXX and XXXX, but not the purchase for XX/XX/XXXX because it was considerably more than what I had in my bank account. Apparently PayPal paid XXXX for the purchase on XX/XX/XXXX. 

I filed disputes for all XXXX purchases and the purchase on XX/XX/XXXX came back as " authorized ''. I filed my claims as fraud, but the claim for XX/XX/XXXX PayPal claimed a tracking number was provided and the item was delivered therefore the transaction was valid. I tried to amend the claim but the system would not allow me, but I did add a note to the feedback I was able to provide that this was not authorized and that it was fraud. 

On XX/XX/XXXX I received an email from PayPal saying I had a negative balance for the amount of the XX/XX/XXXX transaction. I called PayPal on XX/XX/XXXX and spoke to someone and explained that this was a fraudulent transaction and they said they would reopen the claim under a new reason. When I received an email about the claim it was once again for tracking. I do not need tracking information. I need to have my negative PayPal balance restored to zero because I did not make this transaction nor authorize it. THIS WAS FRAUD!!!!!!! PayPal sided with me for the transactions for XXXX and XXXX so I do not understand why they are saying this was authorized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Dear [ NCB MANAGEMENT SERVICES ], I am writing to formally dispute inaccurate information associated with the account you have placed on my credit report. 
Creditor : [ XXXX XXXX ] The address listed on the account is incorrect and does not belong to me. This inaccurate personal information raises concerns about the validity of the account and its connection to me. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any inaccurate or incomplete information on my credit report. 

I am requesting that you : 1. Verify and correct the inaccurate address information associated with the account, OR 2. Remove the account entirely from all credit reporting agencies if you can not validate it with accurate and complete information. 


Please conduct an investigation and respond to this dispute in writing. If the account is not verified within 30 days, I request that it be deleted from my credit reports with all credit bureaus. 

I have also contacted the credit bureaus to dispute this entry and expect a timely resolution from your agency as well.

You may reach me at [ XXXX or XXXX ] if additional information is needed. Please confirm receipt of this email. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am submitting this complaint regarding Chase Banks refusal to consider a goodwill adjustment for a single late payment reported on my credit report. 

The XXXX late payment in question was an isolated incident while experiencing extreme hardship, and I have made every effort to resolve the matter directly with Chase. I have sent multiple goodwill adjustment requests, explained my hardship and asked them to remove or stop reporting this single late payment as a gesture of goodwill. 

Each time, Chase responded that they are legally required to report accurate information and therefore can not remove the late payment. However, this is misleading. While the Fair Credit Reporting Act ( FCRA ) requires that information reported to the credit bureaus must be accurate, it does not require creditors to report any information at all. Creditors have the discretion to remove or cease reporting negative information, even if it is accurate, as an act of goodwill. Many creditors exercise this discretion, especially in cases like mine where there is an isolated incident with verifiable reason of extreme hardship. I've expressed how this single late payment decreased my score to the point where I am having a difficult time securing housing for my children and I due to credit score requirements. During the time period of the late payment, I was hospitalized due to Premature Rupture of Membranes. I gave birth a premature baby, who had to stay in XXXX for an extended period of time. After giving birth, and over the last year now, I've been in and out of the hospital with my child. These unforeseen events significantly impacted my ability to keep up with my financial obligations. 

Chases refusal to even consider a goodwill adjustment, while misrepresenting their obligations under the law, feels deceptive and unfair. This single negative mark is disproportionately harming my otherwise excellent credit profile and limiting my ability to secure housing for my children and me. 

I am requesting that the CFPB investigate this matter and require Chase to : Correct their misleading statement about being legally required to report the late payment. 

Consider my repeated goodwill requests in good faith. 

Remove or cease reporting this single late payment to all bureaus : XXXX XXXX XXXX XXXX as a goodwill gesture, given my good credit history and the isolated nature of the incident. 

Thank you for your time and consideration. 

Account holder : XXXX XXXX Account type : Chase XXXX XXXX ending XXXX Date goodwill requests were sent : XX/XX/year>, XX/XX/year>, XX/XX/year> and XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 
I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-09-30 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: VA

Complaint narrative:
I have student loans reporting from XXXX. I have never been to XXXX XXXX  or XXXX  these are in accurate and should not be reporting on my credit report. I also have a XXXX  reporting I've never filed for XXXX. This is someone else 's XXXX. It's not mines. I've asked the credit bureau to verify this debt and have failed to do so, I also have installment loans reporting from XXXX XXXX XXXX XXXX XXXX which I didn't apply for Also I have inquiries from this fraudulent activity on 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 explanation
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
I have student loans reporting from XXXX. I have never been to XXXX XXXX  or XXXX  these are in accurate and should not be reporting on my credit report. I also have a XXXX  reporting I've never filed for XXXX. This is someone else 's XXXX. It's not mines. I've asked the credit bureau to verify this debt and have failed to do so, I also have installment loans reporting from XXXX XXXX XXXX XXXX XXXX which I didn't apply for Also I have inquiries from this fraudulent activity on 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 2025-09-30 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: AZ

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute multiple inaccuracies and violations related to my credit reports and personal information. Upon reviewing my credit reports from XXXX, XXXX, and TransUnion on XX/XX/year>, I discovered that all three bureaus are reporting inconsistent and incorrect information regarding my date of birth, current and previous addresses, and account reporting and dates. Additionally, two accounts were recently opened and are now listed in collections accounts that I did not authorize or recognize. 

XXXX  and TransUnion are reporting inaccurate information, and I am formally requesting that they delete any data that can not be verified, as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ). Furthermore, under 15 U.S. Code 1681e ( b ), credit reporting agencies must follow reasonable procedures to ensure maximum possible accuracy, which has not been upheld in this case. 

I also did not authorize any third parties to access my credit information. Any access made without my consent violates 15 U.S. Code 1681b, which prohibits the furnishing of consumer reports without a permissible purpose. 

In addition to these reporting issues, my privacy has been compromised. A neighbor handed me a package containing legal documents indicating I was being sued by XXXX XXXX XXXX. The package was not sealed in an envelope, exposing sensitive information about the lawsuit. This public disclosure of confidential information constitutes a serious breach of my privacy and may have caused reputational harm, as other residents in my building could have seen the contents.

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 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute and request the blocking of certain inaccurate and fraudulent information appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681C-2 I am a victim of identity theft, and the following account or items on my credit file do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 explanation