vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: CarMax, Inc.
State: NC

Complaint narrative:
I am filing this complaint against CarMax Auto Finance for their failure to remove two fraudulent auto loan accounts from my credit report, despite overwhelming evidence that these accounts are the result of identity theft. I have been disputing this issue since XX/XX/XXXX, and CarMax has failed to take corrective action. 

The core of my complaint is that I was incarcerated when these accounts were opened. 

I was wrongfully imprisoned from XX/XX/XXXX, until my release on XX/XX/XXXX ( a XXXX period ). 

The XXXX fraudulent CarMax accountsAccount # XXXX and Account # XXXX opened in my name in XX/XX/XXXX. This date falls directly within the timeframe I was locked up, making it impossible for me to have opened these loans or purchased a vehicle. 

I have provided the credit bureaus and CarMax with my official XXXX XXXX XXXX as definitive proof of my location during the time the fraud occurred. 

Steps I have taken to resolve this issue : I filed an official FTC Identity Theft Report ( Report Number : XXXX ) on XX/XX/XXXX. 

I filed a XXXX XXXX XXXX Summary Incident Report ( Report Number : XXXX ) on XX/XX/XXXX. 

I sent a certified, notarized dispute letter to CarMax Auto Finance on XX/XX/XXXX, enclosing my FTC Report and the Prisoner Release Order, demanding the accounts be removed. 

CarMax Auto Finance has been notified, has received proof of the identity theft, and yet continues to report these XXXX fraudulent accounts to the credit bureaus. This failure to act is damaging my credit and violates the Fair Credit Reporting Act ( FCRA ). 

I am including copies of my Identification, the Police Report, the FTC Identity Theft Report, the Prisoner Release Order, and my notarized dispute letter as supporting documents. 

XXXX Requested : I demand that CarMax Auto Finance immediately and permanently remove both fraudulent accounts, XXXX and XXXX, from all my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately. This has turned my entire life upside down, for the past 4 years I have not been able to secure a home and have experienced numeruous breakdowns and stressful mental episodes. I have been homeless and this has been damaging to my life and opportunity to just live as worthy human being for far too long.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I am writing to you today to demand the immediate and unconditional removal of a series of fraudulent hard inquiries that have appeared on my credit report without my authorization. These inquiries are a direct result of identity theft and are causing significant, ongoing financial and emotional distress to me and my family. My name is XXXX XXXX, and this is a formal demand for action, not a request. 

I have been a victim of identity theft, and these fraudulent inquiries are a direct consequence of this crime. I have not authorized, initiated, or benefited from any of the transactions associated with these inquiries. The presence of these inquiries on my credit report is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I demand that you fulfill your legal obligation to ensure the accuracy of the information you report. 

Below is a list of the fraudulent inquiries that I demand you remove from my credit report immediately : XXXX  Personal Loan Companies XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX Bank XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
I owe a Debt to XXXX XXXX for XXXX The bank m/t took XXXX out of my moms deceased fathers account same name to satisfy the judgment owed. 
Not the same person, social # Bank blaming the processor on 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 monetary relief
Consumer complaint received 2025-12-10 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: AR

Complaint narrative:
To the CFPB, I am filing this complaint because the credit reporting agencies have violated the Fair Credit Reporting Act ( FCRA ) in their handling of my dispute. 

On [ insert your dispute date ], I submitted written disputes to the credit bureaus regarding inaccurate information on my credit report. Under FCRA 623 ( a ) ( 3 ), once a consumer notifies a bureau of a dispute, the furnisher must mark the account as in dispute during the reinvestigation process.

It has been over 30 days, and the credit bureaus failed to update the required dispute notation on the accounts I challenged. This failure to report the information as disputed creates a misleading credit profile and violates both : FCRA 623 ( a ) ( 3 ) Duty to report disputes FCRA 607 ( b ) Duty to maintain maximum possible accuracy Despite my timely and complete dispute, the bureaus verified the items but still did not update the dispute comment, which is a clear violation of federal law.

Because the bureaus did not comply with the FCRA during the reinvestigation process, I am requesting the following : Requested Resolution I am requesting that the CFPB require the credit bureaus and data furnishers to : Delete the accounts that were not properly updated as disputed, as they failed to comply with federal law during the investigation.

Provide documentation showing how the furnisher verified the accounts.

Correct all inaccurate or incomplete reporting associated with my dispute. 

Accounts Not Properly Reported as Disputed Creditors : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX What They Did Wrong : Failed to apply required dispute notation within XXXX  days. 

Summary I followed the FCRA dispute process correctly. The bureaus did not. Their failure to apply the dispute notation makes the information misleading and violates my rights as a consumer. Because of this, I am requesting deletion of these accounts. 

Thank you for your assistance in enforcing the FCRA and protecting consumers. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Previous Balance {$2300.00} + New Purchases {$0.00} - Payments {$80.00} +/- Credits, Fees & Adjustments ( net ) {$69.00} +/- Interest Charge ( net ) {$1800.00} I don't know anyone who can afford to pay this. 

When I called to discuss the interest issue, I was told it was due to a XXXX promotion that had ended. I have XXXX  days to pay {$1500.00}, which will only remove the interest balance. I will still have a remaining balance above. 

I discussed closing the account and was told that even if I close the account, interest will still be added to the amount due above. 

I do realize I have a debt to pay to CareCredit, and I've made payments even when I was unemployed. 

This is a predatory practice and, honestly, XXXX that will probably wreck me. 
If I feel this way, I'm sure there are many others who feel this way as well. I do not want to file for bankruptcy ; I want to pay my bills, and I don't know if that is an option now. 

Even with the promotion ending, I had no idea of the charged amount. It feels as if the payments I've made in the past were not applied correctly to my account. 

Thank you for your time on this matter. 
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 2025-12-09 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: NV

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-12-10 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: GA

Complaint narrative:
This account does not belong to me and is being incorrectly reported on my credit file. I have no knowledge of this account, and the information being reported is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violationoffederallaw.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: MO

Complaint narrative:
They have been talking my XXXX check transactions out of order and send my mortgage payments back and manual and purposely not processing my payments late for hate and because XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for {$6300.00} allegedly owed to XXXX at XXXX XXXX. I have not received any validation of this debt from XXXX XXXX XXXX. I have never been provided with a lease agreement, itemized charges, final bill, ledger, or proof that this balance is legally owed. The credit bureaus all claim the information was verified, but none of them can show how it was verified. After reviewing my credit report, I have noticed hard inquiries I do not recognize. I have contacted all 3 CRAs and they refuse to dispute or investigate the inquiries. Attached is a FTC report indicating all of the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile. 15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries : Except as provided in the section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by 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 2025-12-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Applications were submitted in my name, and these companies pulled my credit report without my consent or authorization. I do not recognize these inquiries, I did not apply to these companies, and I never permitted them to access my information. This situation is deeply distressing, and it is unacceptable that my rights as a consumer have been violated in such a serious manner. As a law-abiding citizen, I find this both insulting and alarming.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Company : Cash App ( Block, Inc. ) Product : Mobile wallet / digital payment app Issue : Unauthorized transactions/ denial of Regulation E protections Case Number : XXXX Complaint : On XX/XX/year>, an unauthorized debit card that I did not add was linked to my Cash App account. My daughter sent money to me, and when I attempted to transfer it to my XXXX XXXX XXXXXXXX account, the transfer was misdirected to an unknown debit card that does not belong to me. 

I reported the issue to Cash App immediately. They opened an investigation, but later denied my claim stating that I previously granted access to someone on my device. This is completely false, and I have never given anyone authorization to access my Cash App account or to link any card or device. 

I did not authorize this card, this transfer, or any person to access my device. I had no knowledge of this card being added, and I removed it as soon as I discovered it. 

Cash App told me I am entitled to the documents used to make their determination. They sent me a link to request those documents, which I completed twice. I have still not received any documentation. This violates Regulation E, which requires the company to provide the evidence they relied upon.

I am requesting : 1. The full investigation file under Regulation E, including device information, IP addresses, login logs, authorization logs, and card-linking records.

2. A proper investigation based on the actual facts.

3. Reversal of their denial and reimbursement of my misdirected funds since the transaction was unauthorized. 

Cash App is blocking communication by forcing me through the app, not responding to requests, and not providing the legally required documentation. I need assistance to resolve this issue. 

Desired resolution : Reimbursement of the unauthorized transaction and full disclosure of all evidence used to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello I've written about this problem with Bank of America before but I had a different email and probably a different number too. I am the victim of identity theft and financial fraud. Bank of America locks me out of my account most of the time they tell me it's fixed and it never is I get a new number they leave the old ones in there to receive verification codes there's a one number that they never take away that's an old old number of mine XXXX, I tried calling the number and it is not taken by anybody as of right now XXXX always recycles their numbers pretty quickly. When I am able to sign into my account there's a XXXX dollars that shows up as investments they tell me we don't know we don't know what that is I am an investor. The bottom line is I think there's a Bank of America is fraudulently doing things behind my back from the bank. Sometimes I have a hard time describing things I have XXXX but believe me they are doing some stuff that is not right. Right now I have been locked out of my account for XXXX weeks that means I get to see nothing that's going on these are the times that they're fraudulent activity. I hope that you take this seriously as it is also when I was in the bank yesterday he called the main bank the representative and he mentioned another name right before he mentioned my name there's a lot of things going on with my account I can't explain it all right here but if you need to talk to me my my number XXXX and my name is 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 2025-12-10 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Has accounts on my account that are not mine and refuse to remove. Account 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 non-monetary relief
Consumer complaint received 2025-12-10 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX Has accounts on my account that are not mine and refuse to remove. Account 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had a XXXX secured credit card that required a {$200.00} security deposit. The account was closed in good standing, and my security deposit was supposed to be refunded in XXXX. Guaranteed delivery by XX/XX/XXXX at the latest. 

The refund is now XXXX months overdue. I have contacted XXXX at least XXXX times and have spoken with multiple representatives. On XXXX separate occasions, I was specifically told that a refund check had already been issued. No check has been received. I was also told by XXXX supervisor that the amount would be wired to my bank. I provided them with all of my banking information and never received the money or a follow up. 

Despite repeated follow-ups that I initiated, XXXX has failed to return my {$200.00} security deposit or provide an accurate or truthful explanation regarding the status of the refund. These repeated statements that the check was issued appear to be inaccurate. 
I am requesting immediate issuance of my {$200.00} security deposit refund and written confirmation that the account is fully settled.

Company response to consumer: Closed with non-monetary relief