vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-22 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX  -- {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX -- {$500.00} UNAUTHORIZED INQUIRIES : XXXX 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 explanation
Consumer complaint received 2025-03-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal. 
Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : 1. Unknown third parties gained access to my financial login credentials.

2. My automatic payment settings were altered without my knowledge.

3. This interference led to the late payments that are now inaccurately reflected on my credit report. 
FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. 
The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me. 
Requested Resolution : I am requesting the following actions : 1. Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

2. A written confirmation verifying that these late payments have been removed.

3. A compliance review to ensure that my account information is reported accurately in accordance with federal regulations. 
If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
Dear CFPB, I am filing a formal complaint against Jefferson regarding a fraudulent account ( Account Number : XXXX ) associated with a XXXX XXXX Indigo credit account that they are reporting under my name. I discovered this account shortly after my release from federal prison on XX/XX/XXXX. This account is completely fraudulent, as I was XXXX from XX/XX/XXXX, to XX/XX/XXXX, making it impossible for me to have opened or maintained a credit account during that time. Additionally, I have never lived at the address associated with this account. 

I have repeatedly requested documentation from Jefferson, and they continue to claim that the requested data is " coming via email, '' but I have never received any documentation. Their failure to provide proof while continuing to report this fraudulent debt is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am requesting that the CFPB investigate this matter and take action to ensure that Jefferson : Removes this fraudulent account from my records immediately.

Ceases all credit reporting of this account.

Provides documentation supporting their claim, if any exists.

Their failure to respond appropriately to my dispute is causing undue harm and violates federal consumer protection laws. I respectfully request the CFPBs intervention to ensure my rights are upheld. 

I have attached supporting documents, including : Proof of my incarceration from XX/XX/XXXX, to XX/XX/XXXX. 
My formal dispute letter sent to Jefferson.

Please let me know how I can proceed further. I appreciate your assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-22 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: FL

Complaint narrative:
I am filing this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., regarding inaccurate reporting on my consumer credit report. Despite my multiple disputes, Experian has failed to investigate and correct inaccurate and misleading information as required by federal law.

Details of Violations : Failure to Conduct a Proper Investigation ( 1681i ) Experian failed to investigate my dispute properly and verify the accuracy of the accounts in question. The same inaccuracies remain on my report despite previous disputes. 

Failure to Ensure Maximum Possible Accuracy ( 1681e ( b ) ) Experian continues to report incorrect payment history and charge-off statuses on accounts, which negatively impacts my creditworthiness. 

XXXX XXXX Account : Incorrectly reports as both " paid '' and " charge-off. '' XXXX Account : Marked as " paid/closed '' but still includes derogatory remarks. 

Failure to XXXX XXXX Accounts as Disputed ( 1681s-2 ( a ) ( 3 ) ) Experian did not properly flag disputed accounts as " disputed by consumer, '' which misrepresents the account status to potential creditors.

Illegal Re-Aging of Debt ( 1681c ( a ) ) Some accounts have had their delinquency dates altered, which artificially extends the time they remain on my credit report.

Experian has failed to provide proof of the Date of First Delinquency ( DOFD ) upon request.

Reporting of Duplicate Collection Accounts ( 1681s-2 ( a ) ( 1 ) ( A ) ) Experian has listed duplicate collection accounts with different balances and account numbers, further damaging my credit. 

Harm Suffered : Due to these violations, I have suffered financial and emotional distress, including : Denial of credit opportunities.

Higher interest rates due to incorrect negative reporting.

Damage to my credit score and financial reputation.

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 2025-03-22 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: TX

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report. I have disputed this matter several times through every department possible. Inquiries included on my credit report which began XX/XX/XXXX, XXXX XX/XX/year> were from a result of identity theft. I have filed an identity theft complaint and proved this to Equifax has communicated to me that these inquiries are not going to be removed for two years. Due to being a victim of identity theft and systemic issues these inquiries are in fact inaccurate. Equifax has failed to correct this issue causing ongoing harm to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: FL

Complaint narrative:
I am filling this complaint under the Fair Credit Reporting Act ( FCRA ) due to the willful noncompliance of the credit bureaus and data furnishers in properly investigating my disputes, as required under 15 U.S.C 1681i and 15 U.S.C. 1681s-2 ( b ). Despite my repeated submissions of disputes containing sufficient documentation to demonstrate inaccuracies, the credit bureaus have failed to conduct a reasonable reinvestigation and have continued to report incorrect information on my credit report. Furthermore the data furnishers have neglected their legal obligation to investigate the dispute information when notified by the credit bureaus. Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for it's failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly.

Reinserting previously disputed and inaccurate information without explanation.

Failing to notify customers about investigation results effectively. 

Please review the inaccurate information being report ; 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 2025-03-22 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-03-23 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: FL

Complaint narrative:
Im writing to request a clear explanation of the investigation process your agency followed regarding a disputed account on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( 7 ) you are required to provide this information within 15 days of receiving a consumer dispute.

Additionally, under the Truth in Lending Act ( TILA ) 15 U.S.C. 1601 all credit information must be accurate and transparent to protect consumer rights. 
Here are the details of the disputed account : Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please describe the steps taken to investigate and verify this account. If you are unable to remove it immediately, I expect to receive the full details of the investigation. 
I appreciate your attention to this matter and look forward to your response within the time frame specified by the FCRA, Consumer Protection Act, and TILA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NJ

Complaint narrative:
Dear TransUnion Legal Department, This letter serves as my formal dispute and final demand for compliance pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I am disputing the accuracy of the items listed below that remain on my credit report, despite my prior dispute letters sent on XX/XX/XXXX and XX/XX/year>. 

Your continued failure to properly reinvestigate and correct these inaccuracies constitutes a willful violation of the FCRA and directly reflects the misconduct outlined in the CFPB lawsuit against TransUnion ( CFPB v. TransUnion, Case No. 1:22-cv-01880 ). That lawsuit addressed TransUnions failure to honor dispute obligations and accurately report consumer credit information. 

Disputed Accounts ( Require Deletion or Legally Sufficient Verification ) XXXX Acct # 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 Legal Basis and Demand for Verification : Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), I formally request : The method of verification used for each disputed account ; A full description of the reinvestigation procedure followed ; All documentation TransUnion received from furnishers to support the continued reporting of these accounts.

Legal Deadline for Response : You must complete your reinvestigation within 30 days as required under 15 U.S.C. 1681i, and provide the results within 5 business days. However, I demand the above documentation be provided to me no later than 15 calendar days from your receipt of this letter.

Failure to Comply : If you fail to provide the requested documentation and verification : All disputed items must be immediately deleted from my credit report, pursuant to 15 U.S.C. 1681i ( a ) ( 5 ) ; This will confirm that a valid reinvestigation never occurred, and the accounts are unverifiable ; I will initiate legal proceedings under 15 U.S.C. 1681n and 1681o for statutory, actual, and punitive damages ; Formal complaints will be filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the New Jersey Attorney Generals Office.

This is a final opportunity for your legal team to correct your reporting errors and comply with federal law. Continued noncompliance will trigger formal enforcement action.

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 2025-03-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CarMax, Inc.

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-22 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: NC

Complaint narrative:
I discovered an account on my credit report from XXXX XXXX XXXX for an alleged XXXX debt of {$12000.00} that I do not recognize and have no recollection of opening. 
On XX/XX/year>, I sent a debt validation letter to XXXX XXXX XXXX via certified mail ( tracking # [ XXXX XXXX XXXX ] ), which was delivered to their XXXX, XXXX  office the same day. Under the Fair Debt Collection Practices Act ( FDCPA ), they were required to validate this debt within 30 days but failed to respond with any validation documents. 
After receiving no response for 30 days, I filed a dispute with TransUnion. On [ date of TransUnion response ], TransUnion responded that they " VERIFIED AS ACCURATE '' the disputed information, despite the fact that XXXX never validated the debt to me as required by law. TransUnion also stated they updated " Date Updated; Remarks ; Rating ; Historical Trended Data '' but did not remove the unvalidated debt. 
I believe both companies have violated federal law : XXXX XXXX XXXX violated the FDCPA by continuing to report a debt they failed to validate TransUnion violated the FCRA by failing to conduct a reasonable investigation of my dispute I have never received any documentation showing I opened this account with XXXX. I have no knowledge of this debt and believe TransUnion failed to require proper documentation before verifying this information.

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 2025-03-22 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:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

XXXX XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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