vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I tried to pay off the balance on my TD Bank credit card by the due date, XX/XX/year>, but my account has been locked, restricted, and placed under a hold. Despite multiple attempts to make a payment, TD Bank has refused to accept it through the app, by phone, at a branch, or through any other method. They have not explained the reason for the restriction or provided any way for me to resolve it. I am extremely concerned that they will report this as a late payment to the credit bureaus, which would unfairly damage my credit and remain on my report for seven years. I have done everything I can to pay what I owe, but TD Bank will not allow it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
The company is constantly reporting wrong info on my account. They seem to always be a couple of months behind. Right now I am current and it is reporting late. They will not fix and are denying that they are reporting wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: CarMax, Inc.
State: FL

Complaint narrative:
I traded my XXXX XXXX XXXX I purchased from CARMAX on XX/XX/XXXX. The CARMAX dealership never canceled the CARMAX plan I purchased with the vehicle. I only found this out when I didn't receive my refund. I requested to cancel the XXXX plan that I purchased with the vehicle. The individual at Carmax XXXX XXXX, XXXX, sent me an email confirming the cancellation on XX/XX/XXXX and told me it would take 30 days to receive the refund of XXXX. I called them again today XX/XX/XXXX to inquire where my refund was and they informed me that she never cancelled it and they would do it now. I have no confidence that they will do what they say based on previous interactions with this company. They are now saying it will be another 30 days to receive my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
I have previously disputed Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Linebarger Goggan Blair & Sampson LLP
State: AZ

Complaint narrative:
I received a letter from Linebarger Goggan Blair & Sampson , LLP, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx, that says " second notice of unpaid platepay tolls. '' This letter indicates that I have an unpaid balance with the XXXX XXXXXXXX XXXX, and it lists my previous license plate number ( which I changed after moving to a new state last year ). I have never been to Oklahoma, nor would I EVER fail to pay a toll. This is clearly a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate 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 receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
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 2025-08-01 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
To Whom It May Concern, I am writing under the Fair Credit Reporting Act ( FCRA ) to dispute and request removal of inaccurate late payment entries currently appearing on my credit report in connection with my closed Barclays Bank Delaware credit card account ( last four digits : XXXX ). 

On XX/XX/year>, I contacted a Barclays manager ( XXXX ) after noticing a drop in my credit score and receiving a closure notice for the above-mentioned account due to inactivity. It was only then that I became aware of XXXX missed payments that had been reporteddespite not actively using the card and not receiving any prior billing notices. 

Upon investigation, Barclays confirmed the issue and took corrective action by waiving the associated fees, XXXX  out the balance, and formally closing the account. I was assured that notice of this correction would be sent to the credit bureaus. However, my credit score still reflects negative history, even though the issue has been resolved and the account no longer carries a balance. 

I have maintained a credit score above XXXX for years and take my financial obligations very seriously. This isolated and unintended situation should not continue to impact my creditworthiness, especially after being corrected by the creditor. 

I kindly request that this matter be reviewed and that the inaccurate late payment entries be removed from my credit file. Please confirm receipt of this letter and let me know if additional documentation or verification is needed. Last XXXX of my social is XXXX but full credit score can be shared upon request. 

Sincerely, 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 2025-08-01 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-01 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: AZ

Complaint narrative:
Some one used my personal information to obtain a loan from XXXX  credit back in 2019. I have disputed this with the company with no relief. I want this account thats due to fraud removed from my credit report. And for them to stop violating my fair credit reporting act rights.I have filed all the proper police reports, disputes and complaints with the XXXX, FTC XXXX credit and CRAs.

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 2025-08-01 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Some one used my personal information to obtain a loan from XXXX  credit back in 2019. I have disputed this with the company with no relief. I want this account thats due to fraud removed from my credit report. And for them to stop violating my fair credit reporting act rights.I have filed all the proper police reports, disputes and complaints with the XXXX, FTC XXXX credit and CRAs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: VA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-01 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged credit card debt you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor.

2. A detailed statement of the alleged debt, including the amount and how it was calculated.

3. A copy of the original signed credit card agreement or contract.

4. Proof that you are legally authorized to collect this debt.

5. A full accounting of payments, interest, fees, and charges applied to the alleged balance.

6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt.

Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry.

This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX, I received a notification from one of the credit bureaus regarding a newly reported collection account from Credence Resource Management for the amount of {$1000.00}. I have never conducted business with this company, nor do I recognize the debt being reported. 

Upon discovering the entry, I attempted to contact Credence Resource Management. The credit report did not include a contact number, so I had to search for one independently. I reached their office at approximately XXXXXXXX XXXX  The representative I spoke with was unprofessional, refused to provide any verification, and demanded personal information before discussing the account. When I declined to provide sensitive data without proper validation, the representative terminated the call. 

I specifically requested : Verification of any business relationship A copy of any signed agreement or contract Documentation supporting the debt Account balance and payment history None of these were provided. This lack of transparency and refusal to validate the debt raises serious concerns about identity fraud and unauthorized reporting. 

Legal Concerns : Credence Resource Managements actions may constitute violations of both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Unauthorized Access to My Credit Report : Under 15 U.S. Code 1681b, a third party must have a permissible purpose to access a consumers credit report. If a debt collector pulls a report without valid debt or consumer consent, it may be considered unauthorized accessa direct violation of federal law.

Failure to Validate Debt : The company failed to provide any documentation or proof of the alleged debt, which is required under the FDCPA when a consumer disputes a collection.

Additionally, the address identification number associated with this debt does not match any of the addresses on my credit file, further indicating inaccurate reporting and a potential violation of FCRA 1681i. 

Impact : This fraudulent and unverified reporting has caused significant harm, including being denied approval for a home purchase, resulting in financial and emotional distress. The presence of this account has negatively affected my creditworthiness and disrupted my ability to secure housing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
To Whom It May Concern, This is a formal escalation to a previous complaint regarding Exeter Finance LLC and their continued reporting of a repossessed auto loan account. 
Although the company responded that the information was accurate, they are actively engaging in unlawful and deceptive credit reporting practices that violate multiple sections of the Fair Credit Reporting Act ( FCRA ). 
What They Are Reporting : Monthly charge-off entries ( CO ) from XXXX through XX/XX/XXXX, despite the account being charged off and the vehicle repossessed. 
A past due balance of {$16000.00} alongside a charged-off amount of {$16000.00}, misrepresenting the status of the debt. 
Ongoing updates to a closed, repossessed account through XXXX, falsely signaling active delinquency. 
These entries are misleading, incomplete, and materially harmful. They imply active default status when the debt was settled via repossession long ago. 
Legal Grounds Violations of the FCRA : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers must report only accurate, complete information. Continued reporting of this status is misleading. 
FCRA 1681s-2 ( b ) ( 1 ) ( D ) : If a furnisher can not verify accurate information, it must be corrected or deleted.

FCRA 1681c ( a ) ( 4 ) : Prohibits re-aging of accounts. Updating derogatory data post-repossession may qualify as re-aging.

FCRA 1681i ( a ) ( 5 ) : If disputed information remains misleading, the bureau must delete it entirely.

Company response to consumer: Closed with explanation