vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that youTransUnionimmediately and without delay block all fraudulent information currently polluting my consumer credit report. You have 4 business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal law.

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 2025-11-21 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: MD

Complaint narrative:
This CFPB complaint is being submitted under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ) to demand that youTransUnionimmediately and without delay block all fraudulent information currently polluting my consumer credit report. You have 4 business days from the moment you receive this complaint to comply. This information is the direct result of identity theft and fraud and must be removed from my fileno exceptions. 

The false data in question includes a fraudulent personal credit card account, multiple unauthorized hard inquiries, and illegitimate collections. I have attached both a list of these fraudulent hard inquiries and a copy of the FICO credit report you maintain, clearly identifying the bogus entries. 

Let me be absolutely clear : I do not recognize, nor did I authorize, any of the accounts, collections, or inquiries referenced in this complaint. I did not open them. I did not request them. I did not initiate them. They are fraudulentperiod. And continuing to report this information after receiving notice of its illegitimacy constitutes a violation of federal law.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America has closed my dispute twice without giving me a fair opportunity to appeal. 
The company began taking adjustments from my checking account related to the disputed transaction, even though I did not authorize these withdrawals. 

The bank already took around {$100.00} in adjustments and recently took more money, leaving my account with a negative balance of {$540.00}. These negative balances were created only because of the banks adjustments, not because I spent the money. 

I contacted Bank of America multiple times to request an explanation and to fix the issue, but they closed my dispute again and refused to allow an appeal. Meanwhile, they continue to take money from my account to collect the disputed amount of {$640.00}. 

I am suffering financial hardship because the bank is taking my funds without resolving my dispute properly. 

I am requesting that Bank of America stop the unauthorized adjustments, return the funds they withdrew, and reopen my dispute for a fair review.

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 2025-11-21 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:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I'm writing to bestow my XXXX  concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am not associated with the creditors listed and did not authorize this inquiry. Please remove it from my credit report immediately

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 2025-11-21 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: NC

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Please correct/update this inaccurate information on my credit report

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: GMA Investments, LLC
State: TX

Complaint narrative:
Subject : Debt Collection Harassment / Fake Process Server Scam I am receiving threatening calls from XXXX. The caller refuses to identify their company or the original creditor. They threaten to locate me at my job or home if I do not call them back about a claim being resubmitted. 

When I called to request validation, they said the company name is XXXX, but they refused to provide : A full business name A physical address A website Written validation Creditor name Case number Any legal paperwork They also falsely claimed to be process servers, which is illegal. The caller stated they dont have a website because they dont feel the need to advertise, which is suspicious and unprofessional. 

This behavior violates the Texas Debt Collection Act ( Tex. Fin. Code 392 ) and the FDCPA. I believe this is an illegal collection operation or scam attempting to intimidate me into paying a debt I am not legally obligated to pay. 

I request an investigation into the phone number, company, and individuals involved. 

I have saved the voicemail as evidence.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-21 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: NC

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 4 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 non-monetary relief
Consumer complaint received 2025-11-21 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:
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 4 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 2025-11-21 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'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
On XXXX XXXX, 2025, {$780.00} was taken out of my checking account and transferred into another account that was negative. I was unaware of this situation, I was not given terms and conditions, an agreement to sign or any further notice that this was possible. I spoke with multiple people on the phone beforehand and they told me, nothing like this will happen and I can pay off the negative balance at any time. I was never told it can take from my current funds. I complained to multiple people at TD bank over this and I was told unfortunately there is nothing I can do I explained to them how frustrating this is and unacceptable to take my money from an account without my consent or knowledge and they failed to help me. I am extremely disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CarMax, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, approximately around XXXX XXXX I was parked on a random street sitting in my car with a friend. My vehicle was off and parked and we were inside of it when we noticed a tow truck speeding straight towards and it reverses and begins backing into my vehicle at a high speed, I immediately began honking my horn I turned on my vehicle and my lights and try to notify him that we were inside, he continues back in his vehicle into mine which caused me to reverse my vehicle and ended up backing into another vehicle parked behind me which I later found out was assisting the tow truck they blocked me in and would not let me leave. I told the tow truck driver you can not take my vehicle I'm inside of it and he then threatened to remove me from it. He stated he was calling the cops to get me arrested and stood in front of my driver 's door harassing my friend and I while we gathered our things. We are XXXX females and there were XXXX large men trying to scare us in order to repossess my vehicle. The tow truck driver was extremely aggressive and accused my friend and I of illegal activities, he caused a scene and a breech of peace without ever verifying who I was, he provided no paperwork for me to sign no information on what to do next, and then continued threatening to have my friend and I arrested saying the cops were on their way

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MN

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation