vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account XXXX Creditor : XXXX XXXX XXXX Creditor Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XX/XX/XXXX and XX/XX/XXXX Balance Owed : {$3500.00} Account has been open under no acknowledgment to me. 
I have requested multiple times for this account to be deleted and verified, but no results have been taken. I have submitted all documentations. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within 15 days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing this dispute against experience, transition and Equifax information reported on my credit report. concerning XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1991, all information reported must be accurate, complete. 
Details of the Disputed Account Account XXXX Creditor : XXXX XXXX XXXX Creditor Reported Status : Collection/Chargeoff, Unpaid Ballance Last Payment Date : XX/XX/XXXX and XX/XX/XXXX Balance Owed : {$3500.00} Account has been open under no acknowledgment to me. 
I have requested multiple times for this account to be deleted and verified, but no results have been taken. I have submitted all documentations. 

Under the provisions of the Fair Credit Reporting Act ( FCRA ), I request that your agency investigate this matter within 15 days of receipt of this leter. I request it be updated refiect. the correct status as " Paid '' and " Closed. '' FCRA, credit reporting agencies and furishers are required to report accurate, complete, and verified information ( 15 U.S.C. 1681e ( b ) ). Consumers have the right to dispute any inaccurate or incomplete information and request its correction or deletion ( 15 U.S.C. 15811 ).

Furthermore, 15 U.S.C. 1681s-2 requires fumishers of credit information to update or correct the data they provide to credit bureaus upon notification of inaccuracies.

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 2025-08-05 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: OH

Complaint narrative:
I respectfully request the removal of the following hard inquiries from my credit report : These inquiries were reported on my consumer file in violation of the Fair Credit Reporting Act ( FCRA ), Section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved an extension of credit to me, the consumer, nor did I authorize them. However, it appears that my information was used in connection with these inquiries without my consent. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Attached is my formal dispute, along with the fraud report I recently submitted to TransUnion for the second time. I trust this matter will now be addressed thoroughly and resolved in full.

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 2025-08-05 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX and XXXX XXXX XXXX to XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX Collection - XXXX  paid full Hard Inquiries : XX/XX/XXXX : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S 1666 and 15 U.S 1666 ( b ) Late payments XXXX XXXX XXXX XXXX XXXX ) : XXXX, XXXX and XXXX XXXX XXXX to XX/XX/XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX Collection - XXXX  paid full Hard Inquiries : XX/XX/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 2025-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: NJ

Complaint narrative:
Under the act of XXXX a XXXX the XXXX XXXX XXXX XXXX XXXX went out of business and follow bankruptcy the information is incorrect i can't get a hold of them to talk to them due to they went out of business. XXXX XXXX XXXX XXXX have so many borrow deferred with the XXXX Student Aid. I need of my credit

Company response to consumer: Untimely response
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Blackhawk Network Holdings Inc.
State: KY

Complaint narrative:
Please refer to my previous case : XXXX. You have closed it because the company replied with a number I could allegedly call to speak with someone to close it. That was a lie on their end. It was the first number of many I tried. It is fully automated, with no options to close the account, or speak to a rep. I want this account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: CA

Complaint narrative:
XXXX XXXX is reporting late payments on one reports only when the other reflect paid on time no late payments carmax is reporting late payments on one reports only only when the other reports reflect paid on time please remove late payments as i was in the XXXX  and my ssn was compromised and i have identify theft

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: Continental Finance Company, LLC
State: WA

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate information and unverifiable information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation. The company has failed to send me any of the information I requested even with my other complaint they never sent verification of the debt, the XXXX XXXX bearing my signature and explanation of the amount and how it was calculated.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To : [ XXXX XXXX XXXX XXXX ] XXXX. XXXX  XXXX XXXX, GA XXXX [ XXXX  ] XXXX. XXXX XXXX XXXX, TX XXXX RE : DEBT VALIDATION REQUEST & FORMAL DISPUTE Accounts in Dispute : To Whom It XXXX Concern, I am formally disputing the accuracy and validity of the above-referenced account as it appears on my consumer credit report.

Under the Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S. Code 1681i ] and the Fair Debt Collection Practices Act ( FDCPA ) 809 [ 15 U.S. Code 1692g ], I request that the credit reporting agency and data furnisher provide the following : 1. Full method of verification used to verify this account.

2. Copy of the original signed contract or agreement.

3. Full itemized payment history.

4. Proof of lawful assignment or ownership of the debt.

5. Proof that the debt is being reported in compliance with all applicable laws.

If the item can not be verified with complete documentation within the legal timeframe of 30 days, it must be removed from my credit file.

Please update the results of your investigation in writing. This is a formal dispute. Do not mark this request as frivolous. I am requesting documentation as allowed under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law. 

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

Complaint narrative:
This letter serves as my formal notice of dispute concerning certain account listed on my credit report that I believe was accessed or reported without a permissible purpose as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b. Under the FCRA, a consumer reporting agency may furnish a consumer report only under specific, lawful purposes listed in 1681b ( a ). Any entity that accessed my credit file without my authorization or without a valid legal reason has done so in violation of this federal law.

Upon reviewing my credit reports, I found entries that I did not authorize, nor did I initiate any transaction that would justify such access. These unauthorized entries violate 1681b ( f ), which prohibits users from obtaining a consumer report without a permissible purpose. 

Legal Precedent : In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. ), the court ruled in favor of the plaintiff, stating that a credit report pulled without a valid permissible purpose under FCRA constitutes a willful violation, which is actionable. 

Furthermore, multiple credit bureaus were defendants in recent lawsuits filed in XXXX for re-reporting or permitting access to consumer reports after the accounts were removed, which is also considered a willful disregard of consumer rights. 

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 explanation
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$430.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXXXXXX # XXXX XX/XX/XXXX XXXX {$1800.00} XXXX # XXXX XX/XX/XXXX -- {$2500.00} XXXXXXXX XXXX # XXXX XX/XX/XXXX -- {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations.

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 2025-08-04 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: AZ

Complaint narrative:
I am reporting TransUnion and XXXX for XXXX a fraudulent account that was already investigated and removed from my credit report. I never opened or authorized any account with XXXX or XXXX. This is a clear case of identity theft. 

Months ago, I disputed this account with TransUnion, and it was rightfully removed. However, the account has now been reinserted without any notice, which is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ). The law requires that the credit bureau notify me within XXXX business days if any previously deleted information is reinserted into my file. That never happened. 

Additionally, I never consented to the use of E-Oscar in this dispute or reinvestigation process. I was not informed, nor was any documentation sent to me proving the legitimacy of this account. 

I am demanding the permanent deletion of this fraudulent WebBank/FingerHut account from my credit report. TransUnion must provide documentation from XXXX showing proof of the account 's legitimacy ( e.g., signed application, IP logs, purchase activity ) which they have failed to do. 

This unauthorized reinsertion is reckless, harmful, and illegal. It is negatively affecting my XXXX XXXX and putting me at risk for further fraud. 

I am requesting the CFPB investigate this matter immediately and hold both TransUnion and XXXX accountable for violating the Fair Credit Reporting Act, particularly regarding reinvestigation, reinsertion, and consumer notification.

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Called my phone knew how much money was on my card, asked for my social and said they will pull statements from number XXXX

Company response to consumer: Closed with explanation