vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: OH

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I was informed of a data breach with Equifax and notice credit inquiries that have no attachment to any credit accounts. I informed them of the problem and Equifax insisted they were mine and valid. I made a dispute and within 2 hours of making the dispute Equifax closed the dispute and stated they were verified 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
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was informed of a data breach with Equifax and notice credit inquiries that have no attachment to any credit accounts. I informed them of the problem and Equifax insisted they were mine and valid. I made a dispute and within 2 hours of making the dispute Equifax closed the dispute and stated they were verified 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
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CarMax, Inc.
State: SC

Complaint narrative:
I am submitting this formal complaint against CarMax for its continued reporting of inaccurate and unlawful information on my XXXX, XXXX, and XXXX  consumer credit reports. 

Specifically, the alleged debt in question has been fully discharged and written off through the filing of an official IRS Form 1099-A ( Acquisition or Abandonment of Secured Property ). In addition, CarMax was further paid in full through the submission of a registered security instrument to Carmax Auto Funding LLC which is the Depositor for securitization transactions, which I instructed them to lawfully exchange for all amounts owed under the account. 

Despite these actions, CarMax continues to report the account inaccurately as delinquent or past due, thereby willfully damaging my credit reputation and causing me significant financial harm. 

Furthermore, based on public filings with the U.S. Securities and Exchange Commission ( SEC ), CarMax is actively engaged in the securitization of its accounts receivablesincluding mineby converting them into asset-backed securities and profiting from the monetization of those securitized assets. 
As a result, CarMax has already received value for the underlying obligation, which nullifies the original debt through settlement, discharge, and securitization. 

Summary of Violations : Failure to accurately report account status under the Fair Credit Reporting Act ( FCRA ) Continued attempt to collect on a settled/discharged obligation Willful furnishing of inaccurate information to consumer reporting agencies Unlawful business practices under federal and state consumer protection laws Financial and reputational harm caused by willful inaccuracy and extortionate collection behavior

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX ( XXXX ) XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Ongoing Inaccuracy on Credit Report and Inadequate Investigation by Experian. 
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding a persistent and unresolved issue with my credit report, and the failure of Experian to adequately investigate and correct the inaccurate information despite multiple previous attempts to request assistance. I have disputed inaccurate information on my credit report with XXXX  under the Fair Credit Reporting Act ( FCRA ), but the investigation conducted was clearly inadequate and did not result in the correction of the error. Despite providing relevant documentation and requesting a thorough review, the company failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which mandates that a consumer reporting agency must provide a notice with the results of the reinvestigation, including a description of the procedure used to determine the accuracy and completeness of the information. This step was not followed. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), if the disputed information is found to be inaccurate or can not be verified, the credit reporting agency is required to delete the item from the consumers file and notify the furnisher of that deletion. This also has not occurred in my case. The failure of Experian to correct this inaccurate information has caused and continues to cause significant harm to my financial well-being, including but not limited to the denial of credit and unfavorable lending terms. I am requesting that the CFPB take action to ensure that Experian complies with its obligations under federal law and provides me with written confirmation detailing the steps taken to correct this issue. If this matter is not resolved promptly and satisfactorily, I will be compelled to escalate this issue further with the CFPB and other relevant regulatory agencies. Thank you for your attention to this matter. I respectfully request your assistance in ensuring that my rights under the FCRA are upheld. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ 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 2025-04-27 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: FL

Complaint narrative:
I am writing to dispute fraudulent information reported on my credit file pursuant to 15 U.S.C 1681c-2 and to request that this fraudulent information be blocked immediately. Enclosed is a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) to substantiate my identity theft claim. 

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, the credit reporting agency must block any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 

The following account on my credit report is the result of identity theft and should be blocked immediately : Fraudulent Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX * * * * Account Type : Installment / Auto Lease Balance : {$50000.00} High Credit : {$23000.00} Status : Collection/Chargeoff ( TransUnion and XXXX  ) Date Opened : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( XXXX ) Past Due Amount : {$50000.00} Last Payment Date : XX/XX/XXXX Last Activity Date : XX/XX/XXXX ( TransUnion )/ XX/XX/XXXX ( Experian ) Last Reported : XX/XX/XXXX Comments : XXXX : XXXX Charged off as bad debt, Dispute resolved; customer disagrees '' XXXX : " Subscriber reports dispute resolved - consumer disagrees '' As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting this fraudulent account in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, this account was eliminated and not verified by others bureaus I don't understand how they usually say that this account is mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete this account. Here I add the FTC report, hoping that you make a better decision in my situation, thank you.

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 2025-04-27 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: FL

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Florida XXXX TransUnion XXXX XXXX Assistance Department XXXX. XXXX XXXX XXXX, PA XXXX Account Name XXXX XXXX Account Number : XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXX of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
1. Ford XXXX stated that i purchased a pick up truck and faile to make payments. 
2. After few years of this identity theft that had occurred and someone had purchased this truck with my personal information, Ford XXXX and their attorneys XXXX XXXX XXXX XXXX fabricated false affidavit of service and filed a Abstract of Judgement on my primary residence property owned by me in XXXX california. 
XXXX. I spoke with XXXX XXXX XXXX after finding out about this case from my mortgage title company, this law firm was unable to provide any proof that this was done by me nor they had any information as where this truck is and how this occured. 
XXXX. I filed a police report and FTC report claiming that this is identity theft and tried to clear my name with the credit bureaus. 
XXXX. Finally, Ford and XXXX XXXX XXXX, threatened me over the phone and were forcing me to give them the location of the truck. I do not have any idea what and where this truck is nor what model pick up truck it is, but in any case the judgement amount is also some how fabricated or claimed falsely i never see a truck worth this much money sold by ford in my life. {$180000.00} is the judgement amount. 

Ford and this lawfirm have violated my rights and presented fraud fabricated documents to XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I send a letter to the CRA, to verify the reported bankruptcy place on my credit report, ( see attachment ) the information is both incorrect and was not reported by the bankruptcy court, and in addition the case number on my report is in correct. As of todays date I have not received a response from the CRA its been over 60 days since I mailed the letter requested information. 

The incorrect information has harmed my ability to obtain credit if allowed will continue to do so.

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 2025-04-27 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: GA

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft. 
1. 
XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX Date of inquiry : XX/XX/year> XXXX. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. Identity Theft XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: NC

Complaint narrative:
I have a number of disputes with experian from 2022. Every time I would dispute an account it comes back " VERIFIED ''. I know that the credit bureau didn't properly investigate the accounts. This is my last time disputing the accounts in question that no other credit bureau is reporting on my credit report. However, I will be taking legal actions if the account aren't removed.This has been happening too many times and its time for them to be exposed with their fake investigation and generic " VERIFIED ". The company would take 30 days to come back saying " ACCURATE '' when they literally didn't do any investigation. 

They have totally violated my rights as a consumer and 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 2025-04-27 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for Account : XXXX XXXX XXXX XXXX ( Account # XXXX ) [ Specifically, Equifax is reporting the account as " Pays account as agreed '' with a " 30 days past due '' delinquency. Experian is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Dear Credit Reporting Agency Representative, I am writing to formally dispute certain fraudulent accounts that have been inaccurately reported on my credit file as a result of identity theft. In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I respectfully request the immediate blocking and removal of the following accounts from my credit reports : XXXX XXXX  Account with a balance of approximately {$2100.00} Synchrony Bank Account with a balance of approximately {$1800.00} XXXX XXXX Account with a balance of approximately {$2100.00} In XX/XX/year>, I became a victim of identity theft, and these accounts were opened or manipulated without my authorization. I have attempted to resolve these matters directly with the creditors involved but have been unsuccessful.

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 2025-04-27 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 XXXX XXXX XXXX XXXX Acct # XXXX opened XXXX a balance of {$3100.00} XXXX XXXX XXXX Acct XXXX XXXX balance {$44000.00} opened XX/XX/year> and XXXX acct # XXXX opened XX/XX/scrub>XXXX XXXX balance {$4900.00} AND SEVERAL HARD INQUIRIES AS A RESULT OF THESE FRAUDULENT ACCOUNTS AND FRAUD BEING OPENED IN MY NAME AND APPEARING ON MY CREDIT REPORT. I DEMAND THAT THE ABOVE INFORMATION BE REMOVED FROM EACH OF MY CREDIT REPORTS AND ALL COLLECTIONS CEASE PURSUANT TO MY RIGHTS WITHIN THE FCRA AND FDCPA LAWS

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