vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 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: Viking Client Services
State: UT

Complaint narrative:
Proof that Vikings collection was mine. THIS ACCOUNT ON MY CREDIT IS NOT MINE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the XXXX XXXX guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: W&A Intermediate Co., LLC
State: AR

Complaint narrative:
I am disputing the accuracy and legality of a debt reported by Wakefield & Associates under account number XXXX. This account is being reported as a medical collection on my credit report. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers are prohibited from reporting information that is inaccurate, incomplete, or misleading. Medical debt reporting is subject to additional restrictions : Effective XX/XX/XXXX, all paid medical collection debt must be removed from credit reports. 
Effective XX/XX/XXXX, the nationwide consumer reporting agencies announced that medical collections with an initial balance of less than {$500.00} can not be reported at all. 
By continuing to report this account, XXXX XXXX XXXX and the credit reporting agencies are engaging in unlawful credit reporting practices in violation of the FCRA and the policies set forth under the National Consumer Assistance Plan ( NCAP ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-03 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: TX

Complaint narrative:
This complaint concerns two collection accounts on my credit reports that are being reported inaccurately, incompletely, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

I already mailed formal disputes to Equifax, Experian, and TransUnion by certified mail. Despite providing proof of errors, the bureaus either verified the accounts without evidence or failed to correct them.

The disputed accounts are : XXXX XXXX XXXX XXXXXXXX XXXX reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as XXXX XXXX XXXX XXXX Violations Identified XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Date of First Delinquency ( DOFD ) inconsistent or missing across bureaus. 

Date Opened and Date Updated fields reported differently to different bureaus. 

Balance vs. Status conflict ( showing a balance while also coded as paid/closed ). 

Original creditor not consistently identified. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number incomplete, missing digits. 

Dates ( Opened/Reported ) inconsistent across bureaus. 

Account not marked as disputed by consumer after my disputes were received. 

Contradictory charge-off/balance reporting. 

Creditor name inconsistent ( listed as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX ). 



FCRA and Metro 2 Violations FCRA 602 ( A ) Information must be fair, accurate, and not misleading.

FCRA 607 ( B ) Bureaus must assure maximum possible accuracy.

FCRA 611 Bureaus must conduct a reasonable reinvestigation after dispute.

FCRA 623 ( a ) ( 3 ) Furnishers must mark accounts as disputed.

FCRA 623 ( a ) ( 5 ) Furnishers must accurately report the DOFD.

Metro 2 Compliance Inaccurate coding, inconsistent dates, improper status and balance reporting.

Requested Resolution I am requesting that the CFPB require : Immediate deletion of both accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) from all three credit reports. 

Confirmation that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX report only complete, accurate, and Metro 2compliant data.

Copies of all records the bureaus and furnishers relied upon to verify these accounts.

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 2025-09-03 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: TX

Complaint narrative:
This complaint concerns two collection accounts on my credit reports that are being reported inaccurately, incompletely, and in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting standards.

I already mailed formal disputes to Equifax, Experian, and TransUnion by certified mail. Despite providing proof of errors, the bureaus either verified the accounts without evidence or failed to correct them.

The disputed accounts are : XXXX XXXX XXXX XXXXXXXX XXXX reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX reported as XXXX XXXX XXXX XXXX Violations Identified XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Date of First Delinquency ( DOFD ) inconsistent or missing across bureaus. 

Date Opened and Date Updated fields reported differently to different bureaus. 

Balance vs. Status conflict ( showing a balance while also coded as paid/closed ). 

Original creditor not consistently identified. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account number incomplete, missing digits. 

Dates ( Opened/Reported ) inconsistent across bureaus. 

Account not marked as disputed by consumer after my disputes were received. 

Contradictory charge-off/balance reporting. 

Creditor name inconsistent ( listed as XXXX XXXX XXXX XXXX instead of XXXX XXXX XXXX XXXX ). 



FCRA and Metro 2 Violations FCRA 602 ( A ) Information must be fair, accurate, and not misleading.

FCRA 607 ( B ) Bureaus must assure maximum possible accuracy.

FCRA 611 Bureaus must conduct a reasonable reinvestigation after dispute.

FCRA 623 ( a ) ( 3 ) Furnishers must mark accounts as disputed.

FCRA 623 ( a ) ( 5 ) Furnishers must accurately report the DOFD.

Metro 2 Compliance Inaccurate coding, inconsistent dates, improper status and balance reporting.

Requested Resolution I am requesting that the CFPB require : Immediate deletion of both accounts ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) from all three credit reports. 

Confirmation that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX report only complete, accurate, and Metro 2compliant data.

Copies of all records the bureaus and furnishers relied upon to verify these accounts.

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 2025-09-03 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-09-03 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/year>, and received a discharge on XX/XX/year>. I paid all my accounts on time up until XX/XX/year>, and I have never had a single late payment on any account before filing for bankruptcy. 

However, my credit report is now showing XXXX late payments ( XXXX days ) on multiple ( XXXX ) accounts - these are not accurate and were not present at the time I filed. Any missed payments reported after XX/XX/year>, are legally invalid under bankruptcy law. 

I requested and reviewed my XXXX Full File XXXX Report, and it shows no delinquent accounts or verified late payments. This proves that these late payments are not based on any verified public record. 

These late payments are inaccurate, damaging, and illegal under the Fair Credit Reporting Act ( FCRA ) and bankruptcy protection rules. I am requesting that all late payments reported after my filing date of XX/XX/year>, be removed immediately, and that all affected accounts be corrected to show Included in Bankruptcy with a {$0.00} balance and no post-filing delinquencies.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/year>, and received a discharge on XX/XX/year>. I paid all my accounts on time up until XX/XX/year>, and I have never had a single late payment on any account before filing for bankruptcy. 

However, my credit report is now showing XXXX late payments ( XXXX days ) on multiple ( XXXX ) accounts - these are not accurate and were not present at the time I filed. Any missed payments reported after XX/XX/year>, are legally invalid under bankruptcy law. 

I requested and reviewed my XXXX Full File XXXX Report, and it shows no delinquent accounts or verified late payments. This proves that these late payments are not based on any verified public record. 

These late payments are inaccurate, damaging, and illegal under the Fair Credit Reporting Act ( FCRA ) and bankruptcy protection rules. I am requesting that all late payments reported after my filing date of XX/XX/year>, be removed immediately, and that all affected accounts be corrected to show Included in Bankruptcy with a {$0.00} balance and no post-filing delinquencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1692g, regarding unresolved disputed collection accounts that continue to appear on my credit reports with Experian, Equifax, and TransUnion despite my repeated requests for proper validation and reinvestigation.

I have disputed these accounts directly with the credit bureaus and requested validation from the reporting debt collector ( s ). However, instead of conducting a reasonable investigation and providing proper documentation to verify the alleged debts, the bureaus have simply marked the accounts as " verified, '' without providing any substantive evidence of their accuracy.

This practice violates my rights under federal law, including : * FCRA 611 [ 15 U.S.C. 1681i ] : Requires the credit reporting agencies to conduct a reasonable reinvestigation of any disputed information.

* FDCPA 809 [ 15 U.S.C. 1692g ] : Requires debt collectors to provide validation of the debt upon request.

* FCRA 623 [ 15 U.S.C. 1681s-2 ] : Prohibits furnishers from reporting inaccurate or unverifiable information. To date, none of the credit bureaus nor the debt collectors have provided any of the following, which are required for proper validation : 1. A copy of the original signed contract or agreement allegedly creating the debt.

2. An itemized statement of the alleged balance, including principal, interest, and fees.

3. Proof that the debt collector has the legal right to collect or report this account.

4. Documentation showing an unbroken chain of title if the debt was sold or transferred.

Instead, the bureaus continue to allow unverifiable information to damage my credit profile and consumer rights.

I am requesting the CFPB to : 1. Investigate the failure of Experian, Equifax, and TransUnion to comply with the FCRA regarding my disputes.

2. Compel removal of these unverifiable collection accounts from my credit reports.

3. Ensure enforcement of consumer protection laws against the debt collectors and furnishers involved.

Enclosed are copies of my prior dispute letters, credit reports, and responses received from the credit bureaus for your review.

Thank you for your prompt attention to this matter. I request a full investigation and written resolution of my complaint.

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 2025-09-03 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: FL

Complaint narrative:
Dear CFPB Representative, I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) and 15 U.S.C. 1692g, regarding unresolved disputed collection accounts that continue to appear on my credit reports with Experian, Equifax, and TransUnion despite my repeated requests for proper validation and reinvestigation.

I have disputed these accounts directly with the credit bureaus and requested validation from the reporting debt collector ( s ). However, instead of conducting a reasonable investigation and providing proper documentation to verify the alleged debts, the bureaus have simply marked the accounts as " verified, '' without providing any substantive evidence of their accuracy.

This practice violates my rights under federal law, including : * FCRA 611 [ 15 U.S.C. 1681i ] : Requires the credit reporting agencies to conduct a reasonable reinvestigation of any disputed information.

* FDCPA 809 [ 15 U.S.C. 1692g ] : Requires debt collectors to provide validation of the debt upon request.

* FCRA 623 [ 15 U.S.C. 1681s-2 ] : Prohibits furnishers from reporting inaccurate or unverifiable information. To date, none of the credit bureaus nor the debt collectors have provided any of the following, which are required for proper validation : 1. A copy of the original signed contract or agreement allegedly creating the debt.

2. An itemized statement of the alleged balance, including principal, interest, and fees.

3. Proof that the debt collector has the legal right to collect or report this account.

4. Documentation showing an unbroken chain of title if the debt was sold or transferred.

Instead, the bureaus continue to allow unverifiable information to damage my credit profile and consumer rights.

I am requesting the CFPB to : 1. Investigate the failure of Experian, Equifax, and TransUnion to comply with the FCRA regarding my disputes.

2. Compel removal of these unverifiable collection accounts from my credit reports.

3. Ensure enforcement of consumer protection laws against the debt collectors and furnishers involved.

Enclosed are copies of my prior dispute letters, credit reports, and responses received from the credit bureaus for your review.

Thank you for your prompt attention to this matter. I request a full investigation and written resolution of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CT

Complaint narrative:
I have asked since XX/XX/year> for Carmax to send my title to the XXXX  XXXX so I can register my car. They have told me all tons of excuses and they are always researching. This has caused me pain and suffering. I have also lost wages at work. This will cause me to lose additional wages at work once I can not drive my car this month when my registration expires. They always say someone is looking into it. This is happening in multiple states. People at Carmax tell me they are going to call me and never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 3. A full file disclosure. 4. An item
ized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief