vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: DC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: AR

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

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 2025-06-17 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: AR

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Terrill Outsourcing Group
State: GA

Complaint narrative:
On XX/XX/year>, I received an initial phone call from a representative of XXXX XXXX Under the Fair Debt Collection Practices Act ( FDCPA ), they were required to send me a written notice of the debt within XXXX days of that contact. As of today, XX/XX/year>, I have not received any such notice. 

On XX/XX/year>, I sent a certified debt validation request to XXXX XXXX XXXX publicly listed mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). That letter was returned to me on XX/XX/year>, marked " Addressee Unknown - Unable to Forward ''. I have retained the sealed envelope, return label, and USPS tracking record as proof of my good faith attempt to dispute the debt in writing. 

Despite my documented attempt to resolve the matter under the FDCPA, I received another call on XX/XX/year>, from a representative, XXXX XXXX, who originally contacted me on XX/XX/year>, and never followed up with the required written notice. This second contact on XX/XX/year>, occurred despite no validation being provided and my certified letter being returned undelivered. 

I am requesting that the XXXX investigate this company for : - Failing to send the required written notice of the debt - Failing to validate the debt when properly requested - Continuing to contact me in violation of 15 U.S.C. 1692g ( b ) I want XXXX XXXX  to cease all collection activity unless they can legally validate the debt and provide an accurate, working address for further correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2025 I received a call from someone who said they were from the XXXX XXXX fruad unit. He stated they have received some transactions that appeared to be possible fraud. After several security checks the representative stated that my account has been subjected to fraud. He walked me through several verification steps with my XXXX  card and account information. After an hour or so on the phone with him I began to question some of the steps they were instructing me to take. Once I started questioning him he stated that he needed to finish the investigation and would call me back when it was complete. The next morning I contacted the bank again to see what the update was. The bank denied having anyone by the name given to me in their organization. The new representative began an investigation into the call when we noticed there were several transactions that were attempted with my account information. The bank told me of all the transactions, which I wrote down. The bank began a fraud claim with all the information I provided. I was advised to contact other some of the other credit agencies and notify them of the fraud. These included Capital One XXXX  card, All XXXX credit agencies, XXXX, XXXX XXXX, and XXXX Bank. All these agencies had transactions processed thru my bank. I contacted each and opened fraud claims. I also contacted XXXX XXXX XXXX to report a fraud case with their office. A police report was sent to me with a case number assigned. I received a letter on XX/XX/2025 from Capital One stating that their investigation found evidence that me or XXXX of my account representatives benefitted from the charge therefore they were denying the claim. I called them to dispute or appeal the decision and was told their decision is final and that nothing else could be done. After doing some research online I found information for this website. I would be forever grateful for any assistance you could provide. I have proof from all other agencies that the charges were reversed with the exception of Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Fidelity National Information Services, Inc. (FNIS)
State: WI

Complaint narrative:
In my written dispute to ChexSystems ( Case # XXXX ), I explicitly requested verification and documentation of the {$4900.00} account reported by XXXX  XXXX XXXX XXXX 

I asked for copies of any contracts, signatures, transaction records, or anything proving I was responsible for the debt. ChexSystems did not provide any documentation in their response they simply stated the information was verified as accurate. 

This is not sufficient under the Fair Credit Reporting Act, and I still have not received proper verification.

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 2025-06-17 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported XXXX  payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under XXXX  according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am filing this complaint because CarMax Auto Finance is inaccurately reporting my charged-off account in a way that violates the Fair Credit Reporting Act ( FCRA ). 

Specifically, my account was charged off and closed in XXXX  with a balance of {$42000.00}. However, CarMax continues to report new monthly delinquencies after the charge-off date. This is a violation of FCRA XXXX ( a ) ( XXXX ), which prohibits creditors from continuing to report a consumer as increasingly late once the account is charged off. 

This type of reporting creates a double delinquency, misleads credit scoring algorithms, and causes disproportionate XXXX  to my credit profile. 

I previously filed a complaint and was told the tradeline is accurate, but the company completely ignored the issue of post-charge-off late payments. 

I am requesting the CFPB intervene and require CarMax to : Stop reporting late payments after the charge-off date Correct the tradeline to reflect a final charge-off date with no additional payment history afterward XXXX, remove the tradeline entirely if they can not correct the inaccurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
I paid XXXX  XXXX  XXXX in full for a collection account originally from XXXX. XXXX confirmed the balance is {$0.00} and that the account is being closed and deleted from my credit report. However, they stated this could take up to XXXX  days. The continued reporting of this collection is XXXX  my ability to secure housing and transportation. I am asking that the CFPB ensure XXXX immediately removes the account from XXXX XXXX XXXX as previously confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NM

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant XXXX  to my credit history and XXXX XXXX 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information. 



I request that you update, block, or remove the inaccurate accounts and unauthorized inquiries listed 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 2025-06-17 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: MO

Complaint narrative:
I am disputing the reporting of my student loan account ( s ) on my credit file due to unauthorized access of my personal financial data. My private information was accessed by the Department of Government Efficiency ( DOGE ), which was not lawfully authorized to handle or retrieve this data. This constitutes a violation of my privacy rights under the Privacy Act and was done without my consent or proper disclosure.

This access has raised serious legal concerns and is currently under federal investigation and litigation. The reporting company failed to safeguard my information and allowed improper use of my credit data. I am requesting that the credit bureaus and the CFPB conduct a formal investigation and remove this account from my credit report based on this violation.

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 2025-06-17 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: MO

Complaint narrative:
I am disputing the reporting of my student loan account ( s ) on my credit file due to unauthorized access of my personal financial data. My private information was accessed by the Department of Government Efficiency ( DOGE ), which was not lawfully authorized to handle or retrieve this data. This constitutes a violation of my privacy rights under the Privacy Act and was done without my consent or proper disclosure.

This access has raised serious legal concerns and is currently under federal investigation and litigation. The reporting company failed to safeguard my information and allowed improper use of my credit data. I am requesting that the credit bureaus and the CFPB conduct a formal investigation and remove this account from my credit report based on this violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MO

Complaint narrative:
I am disputing the reporting of my student loan account ( s ) on my credit file due to unauthorized access of my personal financial data. My private information was accessed by the Department of Government Efficiency ( DOGE ), which was not lawfully authorized to handle or retrieve this data. This constitutes a violation of my privacy rights under the Privacy Act and was done without my consent or proper disclosure. This access has raised serious legal concerns and is currently under federal investigation and litigation. The reporting company failed to safeguard my information and allowed improper use of my credit data. I am requesting that the credit bureaus and the CFPB conduct a formal investigation and remove
this account from my credit report based on this violation.

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