vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX is actively sending billing statements, maintaining account records, and attempting to collect on a mortgage loan under this protected name without a valid license, contract, or legal authorization to do so. 

The name in use is a registered trademark ( XXXX XXXX XXXX ), protected by copyright ( XXXX XXXX  ), and listed as an assumed commercial name. No license agreement or assignment has ever been signed authorizing XXXXXXXX XXXX to act under this name. Their continued use in billing, risk servicing, and XXXX maintenance is unauthorized and violates federal consumer protection and XXXX XXXX ( 15 U.S.C. 1125, 17 U.S.C. 501, and related UDAAP provisions ). 

They have been placed on notice that this name is under commercial protection, and they have failed to validate their authority to use or enforce any contract under it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am the federally registered trademark and copyright holder of the XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX is actively sending billing statements, maintaining account records, and attempting to collect on a XXXX XXXX under this protected name without a valid license, contract, or legal authorization to do so. 

The name in use is a registered trademark XXXX XXXX XXXX XXXX XXXX protected by copyright XXXX XXXX XXXX XXXX  and listed as an assumed commercial name. No license agreement or assignment has ever been signed authorizing XXXXXXXX XXXX to act under this name. Their continued use in billing, risk servicing, and XXXX maintenance is unauthorized and violates federal consumer protection and IP law ( 15 U.S.C. 1125, 17 U.S.C. 501, and related UDAAP provisions ). 

They have been placed on notice that this name is under commercial protection, and they have failed to validate their authority to use or enforce any contract under it.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I just checked my credit report for TransUnion, file number : XXXX and realized that some of my personal information is inaccurate. Please DELETE the following addresses : - 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

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 2025-04-17 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: TX

Complaint narrative:
I am sending to formally address discrepancies in my credit report and respectfully request a fair and accurate resolution. I ask that you thoroughly review and verify my personal identifying information, including my full legal name, current address, date of birth, and the last XXXX digits of my Social Security number. Any information found to be incorrect, outdated, or unverified should be promptly corrected or removed to ensure the accuracy of my credit file. 

Specifically, I am disputing the following accounts and balances : XXXX XXXX Reported balance : {$600.00} XXXX XXXX XXXX Reported balance : {$170.00} XXXX XXXX XXXX Reported balance : {$3000.00}

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 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CarMax, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXXXXXX [ Your Email : XXXX ] [ Your Phone : XXXX ] Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XXXX ) XXXX Subject : Demand for Validation & Removal of Inaccurate Reporting File XXXX XXXX Dear XXXX Compliance Officer, I, XXXX XXXX XXXX, the living man and secured party creditor, am writing to formally challenge the accuracy and legal validity of the reported auto loan charge-off on my consumer report. This letter serves as a demand for verification and validation of the alleged debt in accordance with 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) under the Fair Credit Reporting Act ( FCRA ).

Upon review of my credit report, I noticed that your company has listed this account as : Status : In Collections/Charge-Off Worst Payment Status : 120+ Days Late Remarks : Profit and Loss Write-Off | Dispute Resolved - Subscriber Disagrees Closed Date : XX/XX/XXXX I dispute the accuracy, validity, and completeness of this account for the following reasons : 1. Lack of Verification & Proper Documentation As the furnisher of this negative information, you are required to provide documentation signed by the original creditor proving that this alleged debt is valid and legally enforceable. I request an original, wet-ink signature contract that substantiates this claim.

2. Failure to Provide True Accounting Under UCC 9-210 & UCC 3-501 , I am demanding a full and complete accounting of the alleged balance, including all payments, interest accrual, and any third-party adjustments.

3. Reporting Inaccuracies The remarks state that the dispute has been resolved, yet I have not received any sufficient documentation proving lawful ownership, contract authority, or the proper accounting of this debt. 
4. Violation of My Consumer Rights Under 15 U.S.C. 1681e ( b ), consumer reporting agencies and furnishers must ensure maximum accuracy. Failure to verify this debt with original documentation constitutes a violation of my rights. 
Demand for Immediate Resolution If you can not provide the requested verification and validation within 30 days, I demand the immediate deletion of this account from my consumer report with all reporting agencies ( XXXX XXXX XXXX XXXX ). 
Failure to comply will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under 15 U.S.C. 1681n. 
Please respond in writing to my mailing address above. 
Sincerely, XXXX XXXX XXXX, Living Man & Secured Party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, TransUnion 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. This fraudulent, inaccurate, and false information consists of BRIGHT STAR CREDIT UNION These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-04-17 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: MD

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 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 2025-04-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
You are reporting incorrect address on my credit report that does not belong to me. The incorrect information is causing me difficulty in obtaining new credit

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 2025-04-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
On XX/XX/year>, I submitted a medical accommodation request to XXXX XXXX due to serious health and safety issues. This request was approved in writing and signed by XXXX XXXX on XX/XX/year>, releasing me from my lease without penalty. 

Despite this, XXXX charged me over {$500.00} for rent, cleaning, and utilities that were explicitly supposed to be waived. They revoked my access to the tenant portal, failed to provide a final bill or breakdown, and then submitted the account to collections through XXXX. XXXX XXXX notifying me or providing documentation. 

I formally disputed the charges with both parties via certified mail and sent multiple follow-up emails. I requested validation of the debt, copies of billing statements, and confirmation that the accommodation was honored. No written response was ever received. 

XXXX. Data began harassing me by phone and used aggressive, emotionally distressing language. Despite receiving my dispute letter, they continued collection attempts without validating the debt, in violation of the FDCPA and XXXX XXXX. 

XXXX and XXXX. Data are pursuing a debt that was never valid and the result of multiple breaches of a signed legal accommodation agreement. I have submitted certified mail receipts, medical documentation, and evidence of repeated nonresponse. Please see attached files and documents, there is plenty of organized information. I sincerely appreciate your entire organization for its support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
This Is My XXXX Complaint With Experian I Have Dispute AmSher Collections Account Several Times Due To FCRA & XXXX Laws Being Violated As I Have Did The Same For The Collection Company As Well As A BBB Complaint & A Attorney General Complaint. With My Documents You Can See The Collection Lying Simply About How A Dispute Letter Should Be I Will Also Attach The Letter. Also In The Documents It Says The Account First Delinquency Was XXXX But I Have Several Payments Receipts ( Will Not Put All Receipts But I Have More ) To The Original Credit Months After They Say It Went Delinquent Once Again Inaccuracy Can Not Be Reported.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/year> at approximately XXXX, my boyfriend and I visited the ATM at Huntington Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ), and attempted to deposit {$730.00} dollars into a XXXX bank account. The ATM showed an error message, took the cash, and displayed a screen that said to contact my financial institution. The cash was never deposited into the account. 

On XX/XX/year>, we went in person to the Huntington Bank ( address above ), and spoke with XXXX XXXX, who initiated an investigation ( Case # XXXX ), and told us that the matter would legally need to be resolved or a credit issued to the account by XX/XX/XXXX ( XXXX business days from the initiated investigation ). 

We each tried to follow up with XXXX XXXX, and each time we called to speak with someone about the dispute, we were told the matter is still under review and they couldn't give us any more information. The same message was repeated by the bank manager when we asked to speak with him.

At the time this complaint is submitted, it has been nearly 2 weeks since the investigation was launched with XXXX and there have been no updates from the bank ( despite being past their XXXX allotted days ), and no credit to the account. 

To resolve this complaint, I would like to see the bank refund the {$730.00} dollars that was never deposited at the ATM on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing this complaint against Equifax for their repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) in regard to unauthorized and fraudulent hard inquiries on my credit report. 

Since XX/XX/year>, I have sent multiple written dispute letters and made several calls to Equifax, requesting the removal of two unauthorized hard inquiries by XXXX XXXX XXXX dated XX/XX/year> and XX/XX/year>. Despite providing all required supporting documentationincluding my FTC Identity Theft Report, government-issued ID, and Social Security XXXX has failed to take any corrective action. 

This is a direct violation of : FCRA 604 ( a ) ( 3 ) [ 15 U.S.C. 1681b ] which limits access to a consumer report only for permissible purposes and with consumer consent.

FCRA 611 ( a ) [ 15 U.S.C. 1681i ] which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information within 30 days.

Equifax has now received three formal dispute letters, the most recent of which stated that failure to act would result in regulatory complaints and potential legal action. They continue to ignore their legal obligations, allowing inaccurate and unauthorized information to remain on my reportcausing harm to my creditworthiness and peace of mind. 

I am requesting the CFPB 's assistance in compelling Equifax to immediately remove these fraudulent inquiries and provide written confirmation of the correction. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: AR

Complaint narrative:
After several attempts requesting that Experian correct and update inaccurate information that is greatly affecting my credit score and also a violation, I am now requesting proof of the previous investigations along with all records, who was spoken to, the business address and phone number as well as documentation that this account was XXXX days late on XX/XX/year> and XX/XX/year>. If this information can not be provided within 14 days, either update the account to reflect never late/paid as agreed, or I will be sending this to an attorney. 
Consumers are waking up as to WHY it is impossible to get invalid information updated! Using a computer to control our credit lives? 
I am uploading documentation! There are even inaccuracies between Experian and XXXX as seen on the screenshot! 
You are in violation of the FCRA!

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 2025-04-17 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: KY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 

I hereby reiterate and demand the immediate deletion of the following fraudulent accounts from my credit report : XXXX BANK XXXX.... & XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation