vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: MD

Complaint narrative:
THE REPORTING AGENCY IS RETAINING, RESELLING, AND REDISTRIBUTING DATA THAT IS UNVERIFIED, INCOMPLETE, AND POTENTIALLY FALSE IN DIRECT VIOLATION OF 15 U.S.C. 1681E ( B ) AND 1681A ( D ) ( 2 ), AS WELL AS THE GRAMM-LEACH-BLILEY ACTS DATA ACCURACY AND CONFIDENTIALITY REQUIREMENTS. THIS CONDUCT SHOWS A DISREGARD FOR DATA INTEGRITY AND CONSUMER PRIVACY PROTECTIONS. 

EVEN AFTER NOTICE OF DISPUTE, THE AGENCY CONTINUES TO REPORT THE SAME ERRONEOUS INFORMATION TO THIRD PARTIES AND AFFILIATES, KNOWING THAT IT LACKS DOCUMENTED PROOF OR VERIFIABLE SOURCE RECORDS. THIS CONSTITUTES A PATTERN OF WILLFUL NONCOMPLIANCE AND UNLAWFUL PROFITEERING FROM DEFECTIVE DATA. 

BY RESELLING OR REISSUING DATA THAT HAS BEEN DISPUTED AND NOT VERIFIED, THE AGENCY IS KNOWINGLY PARTICIPATING IN THE TRANSMISSION OF FALSE CONSUMER INFORMATION. THIS VIOLATES THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND UNDERMINES THE CONSUMERS RIGHTS TO FAIR AND TRUTHFUL CREDIT REPORTING. 

THIS IS NOT AN ISOLATED ERROR IT IS SYSTEMIC MISCONDUCT THAT DAMAGES CONSUMER CREDIT STANDING AND ENABLES OTHER ENTITIES TO CONTINUE RELYING ON INCORRECT INFORMATION THAT SHOULD HAVE BEEN PURGED IMMEDIATELY AFTER DISPUTE.

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 2025-12-01 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: Experian Information Solutions Inc.
State: GA

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 adverse item of 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-12-01 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: CO

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX XXXX  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.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Larry H. Miller Group of Companies
State: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate information on my credit report. The account they are reporting was opened around XX/XX/year> while I was still in an active Chapter XXXX bankruptcy. My Chapter XXXX was not XXXX until XX/XX/year>. XXXX did not have court approval to extend post-petition credit during the bankruptcy process. 

Despite this, they are reporting dates, balances, and payment information that are not accurate. I disputed this with the credit bureaus and XXXX verified the incorrect information without providing documentation. This is a violation of the FCRA because the information being furnished is inaccurate and the investigation they performed was inadequate. 

I am requesting CFPB assistance to make XXXX XXXX either fully correct the reporting with proper documentation or delete the account since the current information is inaccurate and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: CarMax, Inc.
State: NC

Complaint narrative:
This letter is a formal dispute and fraud complaint regarding the CarMax Auto Finance account being reported under my name. After reviewing the documents, I confirmed that the buyers signature on the Retail Installment Contract is not my signature, was not written by me, and does not match my legal signature in any capacity.

The signature shown on the contract is my full name written out in print. I do not sign my full name on any legal or financial documents. My actual legal signature is shortened, stylized, and completely different from the handwriting on this contract. The handwriting on the contract is printed, not cursive, and does not match my handwriting at all. I did not write it, I did not authorize it, and I did not sign that contract. 

To support this dispute, I have attached a copy of my drivers license, which contains my real legal signature. The comparison clearly shows that the signature CarMax submitted is forged and not written by me. 

Because the signature is not mine, the contract is fraudulent, void, and unenforceable. CarMax is furnishing information that is inaccurate, unverified, and can not be supported with a valid, authentic consumer signature. Under FCRA 602, 607 ( b ), 611, FCRA 623, FACTA, Metro 2 reporting standards, and federal forgery laws ( 18 U.S.C. 471473 ), no company may report an account that is not tied to a legitimate consumer-signed contract.

I am demanding the following actions : 1. Remove the CarMax Auto Finance account from my credit reports immediately because there is no valid contract
associated with my name.

2. Remove all hard inquiries related to this fraudulent account.

3. Provide written proof of validation, including the original wet-ink signature, the full application, identity verification records, and all supporting documents.

4. If you can not produce my true, verifiable signature, the account must be deleted under federal law.

5. Mail the results of your investigation to me within the legally required timeframe.

If this matter is not resolved, I will file complaints with the CFPB, the Attorney General, and the FTC for identity misuse, and pursue additional action under FCRA 616617 for damages. 

This account was opened with a forged signature, and I am asserting my rights under federal law to have it removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am submitting this follow-up complaint regarding multiple unresolved inaccuracies on my credit report, which continue to misrepresent my personal information, account history, and credit activity. My report still lists an incorrect address, XXXX XXXX XXXX, XXXX, AR XXXX, which has never been my residence and may lead to misattributed accounts and identity confusion, and I request that correct my address and ensure all accounts are properly linked under FCRA 605 ( a ), 607 ( b ), and 611 ( a ). Additionally, the XXXX  account ( Account Number XXXX, Balance {$0.00} ) remains incorrectly reported as having late payments despite my records showing timely closure and payment, and I request full verification with the creditor and removal of any falsely reported late payments under FCRA 607 ( b ) and 611 ( a ). My Bridgecrest account ( Account Number XXXX, Balance {$13000.00} ) is still inaccurately reported as a repossession with incorrect balance amounts, activity dates, and account status, and I request verify all details directly with XXXX and correct any inaccuracies per FCRA 607 ( b ), 611 ( a ), and 623 ( a ). Finally, several XXXX  inquiries including those from XXXXXXXX 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 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, and XXXX XXXX XXXX XX/XX/XXXX ) remain unverified or unauthorized.

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 2025-12-01 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: AR

Complaint narrative:
I am submitting this follow-up complaint regarding multiple unresolved inaccuracies on my credit report, which continue to misrepresent my personal information, account history, and credit activity. My report still lists an incorrect address, XXXX XXXX XXXX, XXXX, AR XXXX, which has never been my residence and may lead to misattributed accounts and identity confusion, and I request that correct my address and ensure all accounts are properly linked under FCRA 605 ( a ), 607 ( b ), and 611 ( a ). Additionally, the XXXX  account ( Account Number XXXX, Balance {$0.00} ) remains incorrectly reported as having late payments despite my records showing timely closure and payment, and I request full verification with the creditor and removal of any falsely reported late payments under FCRA 607 ( b ) and 611 ( a ). My Bridgecrest account ( Account Number XXXX, Balance {$13000.00} ) is still inaccurately reported as a repossession with incorrect balance amounts, activity dates, and account status, and I request verify all details directly with XXXX and correct any inaccuracies per FCRA 607 ( b ), 611 ( a ), and 623 ( a ). Finally, several XXXX  inquiries including those from XXXXXXXX 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 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, and XXXX XXXX XXXX XX/XX/XXXX ) remain unverified or unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: SC

Complaint narrative:
Summary of Issue : Kikoff Lending is furnishing inaccurate charge-off information to the consumer reporting agencies. No 1099-C Cancellation of Debt form was ever issued, which raises questions about whether the account was legitimately charged off. The information reported is inaccurate, incomplete, and can not be verified by the furnisher as required by the FCRA. The tradeline violates the standard of accurate reporting under 1681e ( b ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-30 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: CA

Complaint narrative:
I have been a victim of Identity theft. my information has been involved in 5 plus data breaches and my personal information has been stolen. Somebody without my consent is trying to obtain credit without my knowledge. there are multiple inquires on my credit report I did not authorize. there are also address on my report that don't belong to me and that have never belonged to me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because Experian failed to conduct a proper reinvestigation regarding several late payments that I disputed. Under FCRA 611, I submitted a formal dispute requesting verification and documentation for the reported late payments. Experian closed the dispute without providing any proof, documentation, or a reasonable reinvestigation as required by law.

The creditors have not provided any original records showing that these late payments are accurate, yet Experian continues to report them as verified. This violates FCRA 607 ( b ), which requires Experian to maintain maximum accuracy and remove unverifiable information.

In addition, my rights under TILA ( 15 U.S.C. 1666B ) were violated because Experian continued to report disputed billing information ( late payments ) without receiving proper verification or ensuring the data was correct.

Experian did not : Contact the furnishers for proper documentation Provide me with any proof of verification Provide details on how the dispute was investigated Remove or correct the unverifiable late payments The late payments in question are harming my credit score, causing denials, and negatively affecting my financial opportunities.

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 2025-11-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Recently, I conducted an investigation of my credit report and found several items to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report immediately. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V Gravens ( Mo ) 281 sw 715,719, I presume that no Proof of the alleged debt, nor therefore any such debt, in fact therefor exist. 


Experian Account Name : XXXX XXXX  Balance:XXXX  Account info Account number : XXXX Open/closed : Open Date Opened : XX/XX/year> Experian Account Name : XXXX XXXX  Balance : {$3800.00} Account info Account number : XXXX Open/closed : Open Date OpenedXXXX Equifax Account Name : XXXX  XXXX XXXX  XXXX XXXX Balance : {$650.00} Account info Account number:XXXX Open/closed : Open Date OpenedXXXX Equifax Account Name : XXXX XXXX  XXXX  Balance : {$3400.00} Account info Account number : XXXX Open/closed : Open Date OpenedXXXX Equifax Account Name : XXXX XXXX XXXX XXXX Balance : {$17000.00} Account info Account number:XXXX Open/closed : Open Date Opened:XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the XXXX credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXX * balance {$3500.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$0.00} -Reported in XXXX bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$14000.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$33.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXX * XXXX XXXX XXXX balance {$1400.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  balance {$1300.00} -Reported in XXXX bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$700.00} -Reported in XXXX bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX balance {$1400.00} Only reported in EX and TU XXXX XXXX XXXXReported in EX EXPERIAN XXXXXXXX XXXX XXXXXX/XX/XXXX Reported in EX XXXX XX/XX/XXXX reported in EQ XXXX XXXX  XX/XX/XXXX reported in EQ XXXX XX/XX/XXXX Only reported in TU XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Only reported in TU

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: 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 : Under 1681b, a consumer reporting agency may 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 Federal 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 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