vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: CarMax, Inc.
State: GA

Complaint narrative:
Company : CarMax Auto Finance Product : Auto Loan or Lease Issue : Incorrect or un-validated information on my credit report Complaint Summary : I submitted a certified debt validation request to CarMax Auto Finance on XX/XX/year>, regarding account ending in XXXX. CarMax failed to provide proper validation within the XXXX window. Later, they emailed me documents containing forged or falsified signatures that do not match my handwriting or any contract I have ever signed. These materials did not include the original retail installment contract, full account history, or lawful assignment details.

On XXXX XXXX XXXX, I replied directly to CarMaxs email, formally identifying the forged signatures and requesting legitimate proof of debt. As of today, CarMax has failed to respond and continues to report the account to XXXX  and XXXX.

CarMax Auto Finance is in violation of FDCPA 809 ( b ) for failing to validate the debt before continuing collection activity, and FCRA 623 ( b ) for furnishing and verifying inaccurate data after notice of dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/year> Professional Debt Mediation [ No Address Provided ] Re : Request for Debt Validation To Whom It May Concern, I recently became aware that your company, Professional Debt Mediation, is attempting to collect a debt allegedly in my name in the amount of {$6700.00}. However, I have never received any written notice, phone call, or other official communication from your office regarding this account. 

As you are required to do under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am formally requesting validation of this debt. Specifically, please provide : XXXXThe name and address of the original creditor. 
XXXXVerification that the amount of {$6700.00} is correct, including a full itemized breakdown of principal, interest, fees, and other charges. 
XXXX.Copies of any documents or agreements showing that I am legally obligated to pay this debt. 
XXXXProof that your company is licensed and authorized to collect debts in the State of Indiana. 
XXXX.A complete accounting of all payments or credits applied to this account, if any exist. 

Until you provide full and proper validation, you must cease all collection activity, including reporting this debt to credit reporting agencies. If this debt has already been reported, you are required to notify the credit bureaus that the debt is disputed. 

This is not a refusal to pay, but a notice that your claim is disputed. I request that all further communication regarding this matter be made in writing only to the mailing address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am disputing inaccurate accounts reported on my credit file that misrepresent my payment history and account status. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 1681i ( a ), I am formally requesting a full reinvestigation to verify the accuracy, completeness, and legitimacy of this information, and to correct or delete any unverifiable or fraudulent data within the XXXX timeframe required by law. 
XXXX XXXX * * * * XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: MI

Complaint narrative:
I bought some XXXX on XX/XX/XXXX that I tried to send {$1100.00} to an external wallet on XX/XX/XXXX. As a new user, I was unaware of the fact that I could only send {$1000.00} in a XXXX hr period. So I tried to send {$1000.00} and that failed bc they included the {$0.00} fee. Then I tried {$990.00} and it also failed and my account was the restricted saying it was due to suspicious activity. They said it could take until the XXXX, when that passed, they said additional time was needed, now saying the XXXX. Now they're saying the XXXX. 
I told them that this was causing me great financial losses and they responded saying that they're sorry for the inconvenience caused by this. 
I'm now facing eviction, bc I can't withdraw the money after I decided to sell the XXXX and leave this platform. Based on a court agreement during a zoom court hearing on XX/XX/XXXX, I'm supposed to pay the full rent owed by XX/XX/XXXX. 
If it wasn't for Robinhood this would have already been taking care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: GOLDMAN SACHS BANK USA
State: LA

Complaint narrative:
On XX/XX/XXXX, the bureau issued in order against Goldman sachs bank usa ( Goldman ). In XX/XX/XXXX, Goldman and Apple XXXX enter and agreement to offer Apple card and credit card integrated with Apple software that offers both Market rate APRs and interest-free financing for qualifying Apple products. Goldman agreed to extend the credit offered through Apple card and to investigate disputes submitted by consumers. Apple card accounts on Apple devices and developed the creative approach and design of Apple card advertisements. Despite warnings to Goldman 's board on XX/XX/XXXX that the Apple card dispute system was not fully ready due to technical issues, Goldman and Apple introduced the Apple card XXXX  days later on XX/XX/XXXX. The bureau from that XXXX violated the in Lending Act and Regulation Z by failing to send acknowledgment notices and resolution letters within the requirements period ; Making adverse reports to consumer reporting agencies regarding amounts disputed in Billing error notices prior to completing the requirement for billing error resolution ; Failing to conduct reasonable investigations for disputes that qualifed as billing error notices ; and holding consumers liable for amounts at issue in claims of unauthorized use before conducting a reasonable investigation. The bureau also found that Goldman violated the Consumer Financial Protection of XXXX by engaging in unfair Acts or practices through its delay and resolving transaction disputes, separately,, in XX/XX/XXXX XXXX and apple introduced Apple card monthly installments ( ACMI ), which allowed Apple card uses to finance the purchase of certain Apple devices directly from Apple through the payment of Interest free monthly installments. The bureau found that Goldman engage in deceptive acts are practiced by misleading consumers to expect the purchase of Apple devices would automatically be enrolled in ACMI, and by misleading consumers enrolled in ACMI, about the application of refund to Apple card accounts with both ACMI, and-ACMI balances. The order requires XXXX to pay XXXX. XXXX XXXX in redress to Consumers and a XXXX million civil money penalty and to come into compliance with the law. The bureau separately took action against Apple for his role in marketing and servicing the Apple card the order against Apple required it to pay a {$25.00} million silver penalty and to come into compliance with the law,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I am submitting this complaint regarding an improper ACH ) debit transaction by American Express ( AMEX ) that caused my entire paycheck to be withdrawn, creating financial hardship. 
On XX/XX/year>, an automatic payment of {$190.00} was processed by AMEX from my bank account ( XXXX XXXX XXXXXXXX, Account XXXX ending in XXXX ]. My account balance at the time was - {$2500.00}. Previous AMEX payment attempts had failed, but AMEX continued to retry the ACH debit endless times, even though my account was already deeply in the negative. 

These repeated retries resulted in my entire paycheck being withdrawn, leaving me unable to cover essential expenses such as my car payment, insurance, and rent. I am now facing eviction because I was depending on that paycheck. American Express completely ate that in seconds. Temporary reversals occurred for other transactions, but the {$190.00} payment to AMEX strangely remained deducted. I did not authorize multiple retries that would overdraw my account to such an extent. 

The repeated ACH debits were improper under NACHA/ACH rules, as they exceeded the authorization limits and caused undue financial harm. Somehow my bank allowed the final debit to post despite insufficient funds, which suggests either overdraft handling or improper processing. I have contacted both AMEX and XXXX XXXX XXXXXXXX to request a reversal, but the issue has still not been resolved. 

Requested Resolution : 1. Immediate Reversal of the {$190.00} ACH debit to restore my funds 2. Assurance that AMEX will NOT perform unauthorized repeated retries in the future XXXX. Investigation into AMEXs ACH practices and XXXX XXXX XXXX handling of repeated ACH debits This situation has put me at risk of eviction and financial instability. I request that your office investigate this matter in restoring the funds improperly withdrawn from my account. I will also be contacting the Attorney Generals office and the respective state banking regulators for both AMEX and XXXX XXXX XXXX immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: LA

Complaint narrative:
Accounts are appearing on my credit report in my name without my authorization. I have never authorized or managed these accounts. This is unacceptable and is producing inaccurate, misleading information about my financial history. I take my credit profile seriously, and these unauthorized entries are causing significant concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to respectfully request the opportunity to reestablish my banking relationship with U.S. Bank and to open new personal and business accounts. 
I recently received your letter dated XX/XX/year>, confirming the completion of your investigation into my fraud claim for the account ending in XXXX, with a total of {$8400.00}. I sincerely appreciate your acknowledgment that I am not financially responsible for this account, which was opened and used fraudulently in my name. 

Unfortunately, the identity theft I experienced in the past significantly affected my relationship with U.S. Bank and other financial institutions. During that time, multiple fraudulent accounts and credit cards were opened under my name without my authorization. Since then, I have worked closely with my attorney to resolve every issue related to these incidents. My credit reports have been completely restored, all fraudulent accounts have been removed, and my personal and financial information is now secure and actively monitored. 

My credit is in good standing, and I have taken every precaution to prevent any recurrence. 
Please note that any previous addresses or phone numbers associated with my old U.S. Bank records are no longer valid or connected to me. I can provide my current verified address, phone number, and identification to ensure that your records are accurate and up to date. 

U.S. Bank has always represented professionalism, trust, and exceptional servicevalues I deeply respect. I would greatly appreciate the opportunity to rebuild my relationship with the bank, both personally and through my business, and to demonstrate my reliability as a responsible and secure client. 
Please let me know what steps or documentation are required to open new personal and business accounts and to reestablish eligibility for U.S. Bank services. I am happy to provide any verification or supporting materials needed for your review. 
Thank you very much for your time, understanding, and consideration. I truly look forward to banking with U.S. Bank again.

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 2025-10-27 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: RI

Complaint narrative:
I am filing this complaint because XXXX  XXXX and the credit reporting agencies are reporting inaccurate and incomplete information on my credit file and instead of running a fair investigation of deleting the account for having inaccurate information they varify and update the information several times which had a bad impact on my credit score of causing by falling drastically I disputed my XXXX  XXXX account ending in XXXX, and XXXX XXXXXXXX responded in writing on XX/XX/XXXX ( letter attached ). In their response, they confirmed the following : Account closed : XX/XX/XXXX Last payment : XX/XX/XXXX First date of delinquency : XX/XX/XXXX The XX/XX/XXXX entry is not a valid date and does not comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 5 ) ( A ), which requires furnishers to accurately report the month and year of the first delinquency. This date is essential to ensure accurate reporting and to determine the correct XXXX reporting period for negative information. 

By reporting an invalid date of delinquency, XXXX XXXX has furnished incomplete and unverifiable data. Despite this, the credit reporting agencies continue to publish the account on my credit report, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requiring deletion of information that is inaccurate or can not be verified. 

Requested Resolution : Immediate deletion of the XXXX  XXXX account ending in XXXX from all of my credit reports ( Experian, Equifax, TransUnion ). 
Written confirmation of the deletion. 
XXXX that no unverifiable or incomplete information will be reinserted into my file without full compliance with the FCRA. 

Attached Evidence : XXXX XXXX  response letter dated XX/XX/XXXX 2025

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 2025-10-27 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: LA

Complaint narrative:
I am submtting this formally dispute inaccurate information appearing on my credit report regarding one of my accounts. Under the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request a reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ) for inaccurate reporting. It has always been my priority to maintain a strong and positive credit history, so I take this matter seriously. After carefully reviewing my credit file, I found an account showing a late payment that does not accurately reflect my payment activity. Below are the details and my reasoning for the dispute. 
LATE OPEN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130000.00}

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 2025-10-27 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: OK

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

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