vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-19 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: LA

Complaint narrative:
My identity was stolen and I have over XXXX inquiries that I do not recognize or that I did not authorize and I would like them permanently removed all three credit bureau credit reports

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 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: AL

Complaint narrative:
* * CarMax Auto Finance is violating the written terms of my Retail Installment Contract by charging late fees that exceed the contractual limit. 

My contract states that the late fee is the greater of {$18.00} or 5 % of the payment, NOT to exceed {$100.00} per month. 

However, CarMax repeatedly charged me late fees above the {$100.00} limit. Examples include but are not limited to : {$120.00} {$150.00} {$190.00} {$210.00} {$230.00} These amounts appear on my billing statements and are attached. 

On XXXX called CarMax and spoke to a supervisor. The supervisor told me that CarMax is allowed to add multiple late fees in the same month as long as each individual fee is under {$100.00}. 
This is NOT what my contract says. 
The contract clearly states that the total late charge may not exceed {$100.00} per month. 
CarMax is stacking late fees to go above the contract limit, which is a breach of contract and an improper fee assessment. 

I paid every month, and in several months I paid more than the required amount. CarMaxs system continued to keep my account in a rolling past-due status and kept applying additional fees beyond the legal limit. 

This has inflated my balance, added improper late fees, and caused financial harm. 

.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: CA

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX  days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Someone used my Target credit card without my consent. How they got my card number I don't know. I only use the card at XXXX in XXXX XXXX, Florida. On XX/XX/year> someone charged {$1800.00} on my card number at a Target in XXXX, Florida. The store ID # is XXXX. Then on XX/XX/year> in XXXX, Florida they charged another {$500.00} at a Target store ID # XXXX. On the same day XX/XX/year> in XXXX, Florida they charged {$590.00} at a Target store # XXXX. All together they charged {$3000.00}. I live in XXXX XXXX, Florida About 3 to 4 Hours north of these locations. I have never been to these locations. I reported these charges as fraud to Target and they said they would investigate. On XX/XX/year> They sent me a letter stating they finished their investigation and didn't have sufficient evidence to make a determination of fraud. They said I would have to pay the amount unless I could give them more information. they sent me a paper to fill out. I answered the questions and sent it back. They said they would review it. I haven't heard from them. I sent them two letters stating why I shouldn't have to pay and I called them twice .I got no answers, they sent me a bill with interest added on. Anything you can do to help resolve this would be great.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
LVNV is reporting a debt under the name XXXX XXXX XXXX. That is not my legal name. I do not have a middle name. This is inaccurate reporting and a mixed file. I requested debt validation and they failed to provide proof. I want this account removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: SC

Complaint narrative:
I am disputing the following accounts on my Equifax credit report. These entries contain inaccuracies, and I request they be reviewed and corrected in compliance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Inquiries XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/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 XXXXXX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV

Complaint narrative:
On XX/XX/XXXX I applied online for a personal loan for auto purchase. Next day received a call from the company requesting acct. routing and acct. number. On the XXXX and XXXX of XX/XX/XXXX they evidently passed almost {$1000.00} through my account. Now USAA suspicions it was fraud but did nothing. Now my acct. is restricted and holding me responsible for the amount.

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 2025-11-19 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: CA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-19 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: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
On XX/XX/XXXX, I obtained a copy of my credit report from the credit bureaus and discovered that the account HYUNDAI MOTOR FINANCE XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} has been reinserted into my credit file. 
Under 15 U.S. Code 1681i ( a ) ( 5 ) ( B ) ( ii ), you are legally required to notify me within XXXX ( XXXX ) business days of any reinsertion of previously deleted information. Specifically : XXXXCertification of Accuracy : Any reinserted information must be certified as complete and accurate. 
XXXX.Notice to Consumer : The consumer must be notified in writing within XXXX business days of the reinsertion. 
XXXX.Additional Information : The notice must include : oA  statement that the disputed information has been reinserted. 
oThe business name, address, and phone number of the furnisher of the information. 
oA notice that the consumer has the right to add a statement disputing the accuracy or completeness of the information. 
I did not receive any such notification. I have been closely monitoring my credit file and have maintained precise records of all reports received from the bureaus. Based on my records, it is clear that this reinsertion occurred without the required notification, which constitutes a 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 2025-11-19 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: NC

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: WA

Complaint narrative:
I am filing a dispute with TransUnion regarding several accounts that have been inaccurately reported. The accounts in question include charged-off balances and inquiries that I believe do not correctly reflect my financial history. I kindly request that these inaccuracies be addressed and rectified. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28.00} Inquiries : XXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX  XXXX  Date of Inquiry : XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX  Date of Inquiry : XX/XX/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 2025-11-19 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within XXXX ( XXXX ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : XXXX - XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 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: TX

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 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:
Dear Sir/Madam, I am submitting the following dispute regarding inaccurate credit reporting across XXXX major credit bureaus. Below are the details of the accounts in question, which I request be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account Number : XXXX, Date Open : XX/XX/XXXX, Balance : {$21000.00} Late Payment Accounts : XXXX XXXX XXXX Account Number : XXXX XXXX, Account Number : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
National Credit Systems ( account XXXX ) is attempting to collect {$2100.00} from a XXXX XXXX XXXX apartment lease. 
On XX/XX/XXXX the exact same day XXXX sent their collection notice XXXX XXXX generated a resident ledger showing my final balance is {$0.00} after write-offs on XX/XX/XXXX ( womisc {$530.00} and worent {$290.00} ). 
I submitted proof through their portal on [ XXXX ] and sent certified mail. XXXX has not responded, ceased collection, or deleted the tradeline. 
This debt was written off to zero by the original creditor and is also time-barred ( XXXX  XXXX XXXX expired XX/XX/XXXX XXXX. 
Continued reporting/collection violates FXXXX XXXX XXXX XXXX XXXX XXXX 
I have attached the XXXX ledger dated XX/XX/XXXX and XXXX notice dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: MA

Complaint narrative:
Dear IC SYSTEM : I am formally disputing the accuracy, validity, and completeness of the above-referenced account, which has been reported to the credit bureaus and attributed to me. I have no verified relationship with your company or any other original creditor you listed, and I was never provided proper notice of this alleged debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), I demand full validation of this account. Specifically, I request the following documentation : Original Credit Agreement ( the contract I allegedly signed, if applicable ) Full Itemized Statement ( showing how the balance was calculated ) Forward Flow Agreement ( proving debt transfer from original creditor ) Chain of Title / Assignment Documents ( showing legal transfer of ownership ) Complete Payment History Records ( verifying payments or delinquencies ) Validation Notice ( per FDCPA 1692g ) Notice of Default / Intent to Collect ( as required by law ) Proof of Statute of Limitations ( confirming debt is legally collectible ) Credit Reporting Agreement ( authorizing reporting to bureaus ) Documentation of Prior Dispute Investigations ( per FCRA 1681i ) To date, I have not received these required documents. Instead, I have only been sent generic, automated responses that do not constitute lawful validation. Therefore, the account remains unverified and legally unenforceable. 

Continuing to report or collect on an unverifiable account violates FCRA 1681e ( b ) and 1681s-2 ( b ) as well as FDCPA 1692g ( b ). Courts including XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX that unverifiable or misleading data can not lawfully remain on a consumers credit file.

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