vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing, after reviewing my Transunion credit report, to formally dispute inaccurate 90 day late student loan payments being reported on my credit profile. The item ( s ) in question relates to the following 17 accounts, furnishing the same Aug 2019 90 day late payment, under the name : Creditor Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Reported : Past due 90 Days Date Reported : XX/XX/year> After evaluating my credit report and noticing those 90 day late payments that are being furnished for this account in XX/XX/year>, I contacted the creditor and current student loan servicer XXXX  to get documentation and information about this particular situation because according to my records that year my student loan payments werent due until XXXX of XXXX  and then were placed in administrative forbearance even before any 90 day past due timeline ever arrived. 
XXXX responded to my request by sending notifications from XXXX, who was the student loan servicer during XXXX, and it shows that in XX/XX/year> my student loan payments were ONLY 30 days past due. Student loan providers/servicers DO NOT report late payments to the credit reporting agencies until after they are 90 Days past due. XXXX has fully agreed that those late payments indeed HAD NOT reached the 90 days past due timeline to report to the credit agencies and that XXXX made an significant error in XXXX  on my credit report, which is one of the reasons XXXX was banned by the CFPB ( Consumer Financial Protection Bureaus ) for unlawful acts as such. XXXX mishap back in XXXX  has placed Transunion in violation of the Fair Credit Reporting Act ( FCRA ). 

This reporting violates the Fair Credit Reporting Act under : 15 U.S.C. 1681 ( a ) ( 2 ) ( A ) ( i ) which mandates that consumer reporting must be fair, accurate, and reflective of a consumer 's true credit history ; 15 U.S.C. 1666 ( b ) which prohibits creditors from reporting an account as delinquent during the period of a billing dispute or forbearance unless the creditor has investigated and confirmed the accuracy of the delinquency.

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 2025-09-22 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: MA

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection 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 2025-09-22 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

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 2025-09-22 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXX regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Formal Complaint Unlawful Hold on {$200000.00} Deposit We would like to issue-file a formal complaint regarding the mishandling of a {$200000.00} deposit made into our Bank of America Checking account at the XXXX, XXXX  branch on XX/XX/year>. We made this deposit inside the location directly with a teller. She advised that due to the large amount of this check that there may be a temporary hold. But once she actually put the check in she said of it actually looks like there will be no hold. We waited until XXXX to check on the app if the funds had ben deposited and according to the Bank of America mobile banking app, the funds were scheduled to be available on XX/XX/year>. We have a screenshot of this information. 
Based on this information, we scheduled and executed several credit card payoffs. However, once those transactions were initiated, the app suddenly reflected a new availability date of XX/XX/year>, causing all of our scheduled payments to bounce. This action has not only created unnecessary financial disruption but also damaged our payment history through no fault of our own. We went in person to the branch and spoke with XXXX the assistant Manager who said she would call the issuing and bank and try to find out what was going on. I then later followed up via phone call that evening and spoke with XXXX, who then said that she never said she would call XXXX XXXX, and that there was really nothing she could do, because the check was in the process of verification process. I then asked for the XXXX XXXX XXXX XXXX who was unavailable. My husband went bank into the branch the following day to speak with both XXXX and XXXX and yet again neither one had made any moves to actually help expedite this hold process. It was unbelievably frustrating to feel like our situation didn't mean anything to them... 

It is now XXXX and our funds have still not been released Furthermore, we have confirmed with the issuing XXXX XXXX XXXX and have proof that our funds were released to Bank of America XX/XX/year>. Therefore, we demand to know : where has our {$200000.00} been this whole time???

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 2025-09-22 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$200.00}

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 2025-09-22 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I disputed six unauthorized transactions on my Barclaycard Ring Mastercard totaling {$2600.00}, which occurred in Michigan while I was in Washington. Barclays initially denied the claim, then partially reversed it after I filed a CFPB complaintrefunding {$1800.00} and {$440.00} in interest. However, two transactions from XX/XX/XXXX at XXXX # XXXX and XXXX # XXXX, each for {$500.00}, remain unresolved. Despite submitting a written follow-up request on XX/XX/XXXX asking for an itemized breakdown and investigation documentation, Barclays never responded. These transactions were part of my original claim and are clearly not credited on my XX/XX/XXXX statement. I am re-escalating through CFPB due to this continued non-compliance.

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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
Dear Honda Financial Services, When I reviewed my credit report recently, I was surprised to see late payments reported on my account for XX/XX/XXXX and XX/XX/XXXX. I respectfully dispute the accuracy and fairness of these entries. 

At the time these payments were reported, I was unexpectedly stranded abroad in XXXX XXXX following Hurricane Erin. This natural disaster created significant hardship and prevented me from accessing my financial accounts remotely for several weeks. In addition, I did not receive proper billing statements during this period, and at one point my bank account access was restricted due to suspected activity. These circumstances may have caused delays, but I never intentionally missed a payment on my Honda account.

Given these extraordinary circumstances, I respectfully ask that Honda Financial Services consider removing these two late payment marks from my credit report as a one-time courtesy. I value my relationship with your company and remain committed to maintaining my account in good standing.

Thank you for your understanding and for considering my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: AL

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-09-22 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Just last month I asked CFPB to remove 1 address, 2 employment, & 1 negative item on.my credit report which is a third party who refuses to send information apond the item am asking to be removed. XXXX, XXXX A XXXX XXXX XXXX XXXXXXXX. / XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX / XXXX XXXX. I DEMAND THE ABOVE ITEMS BE REMOVED ASAP OFF MY EQUIFAX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS 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 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

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 2025-09-22 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX - XX/XX/year> 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 2025-09-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CarMax, Inc.
State: GA

Complaint narrative:
I financed a vehicle through CarMax Auto Finance. After reviewing my Retail Installment Contract and transaction paperwork, I discovered multiple defects, compliance failures, and unfair practices that have caused financial harm. I requested my full contract file from CarMax. CarMax sent an incomplete copy that omitted the Bill of Sale. I retain my original, fully executed package ( including the signed Bill of Sale ), which confirms that the copy CarMax provided is missing this critical document. 

Incomplete contract file provided : CarMax failed to provide the Bill of Sale, which itemizes charges and acknowledges required disclosures. 
Unauthorized/misrepresented add-ons : My contract includes a {$2000.00} Service Contract and {$990.00} Tire/Wheel Coverage that were not clearly presented as optional or properly explained. These add-ons inflated the amount financed and constitute unfair add-on sales. 
GAP disclosure/offer issues : The contract shows GAP Waiver Agreement : N/A. GAP was not offered or explained at the time of sale. 
Financing transparency concerns : APR of 14.95 % was presented without meaningful discussion of alternatives or an opportunity to arrange outside financing. 
XXXX concerns : Inconsistencies and missing disclosures between what was represented at sale and the written contract. 
XXXX clause concerns : The clause ( p. XXXX ) was not verbally explained and no opt-out was provided, rendering it procedurally unconscionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-09-22 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: MA

Complaint narrative:
The consumer reporting agency has failed to comply with the Fair Credit Reporting Act ( FCRA ) by refusing to block and remove information that resulted from identity theft within the mandated four ( 4 ) business days, as required by 15 U.S.C. 1681c-2 ( FCRA 605B ). In addition, the agency has not provided verifiable documentation to substantiate the disputed information nor ensured that my personal financial data was protected in compliance with the GrammLeachBliley Act ( GLBA ). These failures constitute clear violations of my federal consumer protection rights.

Company response to consumer: Closed with non-monetary relief