vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: One Source Technology
State: AZ

Complaint narrative:
I was on a lease with roommates and I moved out and also had to pay {$100.00} plus sign a roommate release amendment on XX/XX/XXXX and moved out. Signed a lease elsewhere with my family cause I was pregnant. The other XXXX roommates were evicted this year in XX/XX/XXXX. They still included me in that eviction even after calling to verify I wouldnt be and they kept telling me I wouldnt be apart of this eviction. So now my lease has been up with where Im at since XX/XX/XXXX and I have XXXX kids and come to find out when I applied elsewhere an eviction was placed on me. A false eviction. This has been hindering means my family so badly it disappointing and upsetting to be honest. XXXX XXXX did speak with there attorney and they confirmed it was a must and got everything submitted over to XXXX XXXX XXXX court. I have proof of everything even the courts sending me the paperwork the judge signed off on removing me from the eviction. This is embarrassing. I have NO where to go because of this eviction steady popping up on all these different rental companies they run the background through to check for any judgments etc ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
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 2025-11-26 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: TX

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 non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I am a XXXX year old senior citizen that has been harmed by my XXXX Bank XXXX for no good reason. Today, XX/XX/year>, when I went to buy food for XXXX dinner, my debit card would not work. I called XXXX Bank XXXX from the store, and they transferred me and said my XXXX bank checking account was closed for no reason and I would receive the money that was in my account in the form of a check. My monthly Social Security check automatically will hit my checking tomorrow, my Federal IRS Refund is set to hit my bank this week, my paycheck from work and my retirement check hits on Friday. This money will be returned and no telling how long before I get my Social Security money, my IRS FEDERAL refund, and my retirement income. This has caused my XXXX mortgages to be late and my other automatic payments like Social Security monthly check could be a 3-to-4-week delay of me getting my retirement benefit. This will cause my mortgage to be reported late this month and reported to the credit reporting agencies as late. This is derogatory information I will dispute and request XXXX Bank XXXX to generate a check to me for any fees this causes me and my name. 
Further, this action has no basis. I have been a customer of XXXX Bank for over 10 years. I have checking account and XXXX credit cards with XXXX Bank where they are receiving interest each month paid by me.

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 2025-11-26 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
CFPB Complaint Submission TD Auto Finance ( Harassing Calls/ Compensation Request ) Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX Email : XXXX Company : TD Auto Finance Type : Auto Loan Servicer / Debt Collector 1. What Happened I am filing a complaint regarding harassing and excessive collection calls from TD Auto Finance on XX/XX/XXXX and XX/XX/year>, despite being only a few days past my due date and not even close to 30 days delinquent. 

TD Auto Finance called me repeatedly, often 12 minutes apart, and did not leave voicemails, which created XXXX, workplace disruption, and XXXX. 

Call Log Provided Below : XX/XX/scrub>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 This violates acceptable call frequency limits, including the industry-standard 7-7-7 Rule, and may violate the Fair Debt Collection Practices Act ( FDCPA ) and the Rosenthal Fair Debt Collection Practices Act in California.

2. What I Did to Resolve This On XX/XX/year> at XXXX XXXX, I called TD Auto Finance and told them : to stop the repeated calls, that I am only a few days past due ( not 30 days ), that I would make the payment before the 30-day mark, that I attempted to get assistance through their online system, but received no response. 

Despite this, the excessive calls continued. 



3. How This Affected Me The call behavior caused : XXXX  and XXXX  Constant disruption while I was at work Mental XXXX  waiting for repeated calls Confusion due to no voicemails being left This is harassment and an abuse of communication practices. 



4. What I Want the CFPB to Help Resolve I am requesting the following : 1. TD Auto Finance must stop the excessive and back-to-back calls.

2. They must limit communication to written contact only unless I approve otherwise.

3. They must confirm my account will not be negatively reported as long as the payment is made within 30 days.

4. They must correct and investigate their call practices on my account.

5. I am requesting compensation for the XXXX, XXXX, and workplace disruption caused by the repeated calls. 
6. TD Auto Finance must provide a written explanation of how they will prevent further harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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:
XXXX XXXX XXXX XXXX XXXX GA XXXXExperian XXXX XXXX XXXX  TX XXXXSubject: Dispute of Inaccurate Information on My Credit Report\n\nDear Experian,\n\nI am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data.\n\nDisputed Account Details:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including:\n\n-\tCopy of ID\n-\tSSN\n-\tProof of Address\n\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.  1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.\n\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this dispute within five (5) business days, and a final resolution within the legally mandated timeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.\n\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals Office.\n\nLegal Notice:\n\nPlease be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions.\n\nThank you for your prompt attention to this matter. Please send any responses or updates to XXXXSincerely,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 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CarMax, Inc.
State: SC

Complaint narrative:
Around XX/XX/XXXX, I purchased a XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX miles ) from the CarMax location in XXXX, South Carolina. 

Less than six weeks after purchase, the vehicle developed a severe safety issue : violent shaking of the steering wheel, seats, and entire body that worsened with speed. Anything above 45 mph made the car undrivable in a safe manner. I immediately contacted the XXXX store to report the problem, stressing that the car was essentially new to me and already unsafe to drive. 

I also pointed out interior damage that was not disclosed at purchase : the panel behind the driver-seat sidewall was glued to hide it and constantly fell open, and exposed wiring. 
CarMax scheduled a service appointment. The first one was canceled when I arrived because the store claimed they were overbooked. When I finally got the car in on the rescheduled date, the service team informed me they could not work on it because it was a XXXX and that any repairs had to be done by XXXX. At that point the vehicle was my only means of transportation to work. 

I was told no refund or exchange was possible. With a car I could not safely drive and no ability to wait indefinitely for a repair, I had no realistic choice but to voluntarily surrender the vehicle on XX/XX/XXXX, even though the defects existed from nearly the moment I took possession. CarMax also had possession of my vehicle way before my due date, and the documents were already signed for the repossession. It was still reported late even though I no longer had the car. 

Despite the fact that the vehicle was defective, the undisclosed damage and my not having the vehicle at the time of the late payment, CarMax reported it as a charge-off with a balance. I believe this reporting is unfair given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
I am submitting this complaint against TransUnion, Equifax, and Experian for the continued reporting of inaccurate, unverified, and misleading information on my consumer credit reports, the inaccurate address XXXX XXXX XXXX XXXX XXXX, TX XXXX, specifically regarding the late closed XXXX  account ( Acct : XXXXXXXX XXXX XXXX  ), which each bureau is reporting with a 90-day late payment even though the account reflects a {$0.00} balance, and the dates of last activity and delinquency do not align with my actual records, violating FCRA 623 ( a ) ( 5 ) for failure to report an accurate DOFD ; the XXXX  charge-off ( Acct XXXX XXXXXXXX XXXX XXXX XXXX is being reported by all three bureaus with a balance of {$4600.00} without any validation or documentation from the furnisher, violating FCRA 604 ( a ) ( 3 ) because no permissible-purpose verification or proof of the charge-off has been provided ; the collection accounts from XXXX ( Original Creditor : XXXX An Essential Utilities Co, Acct XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Acct : XXXXXXXX XXXX XXXX XXXX XXXX both of which I have never been notified of, billed for, or validated, yet all three bureaus continue to report them despite lack of verification, violating FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 607 ( b ) for failing to maintain maximum possible accuracy ; additionally, the three bureaus are reporting unauthorized hard inquiries including XXXX ( XX/XX/year> ) and XXXX XXXX XXXX XX/XX/year> ), XXXX XX/XX/year> that were not initiated or consented to by me, violating FCRA 604 ( a ) because these entities had no permissible purpose to access my file. These errors collectively constitute repeated violations of the Fair Credit Reporting Act, harm my creditworthiness, and continue to cause financial damage due to inaccurate reporting.

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 2025-11-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
Freedom Mortgage a company from XXXX XXXX Florida gained ownership over my loan. This company is creating hardship over my finances. I have been paying regularly all my monthly bills for my property. 
First with the insurance they dilated the uploading of the documents in their system and were trying to force me to unenroll from the companies my insurance agent found for my property ; at this time they still asking for additional paperwork for the flood insurance which I paid more than a month ago ( directly from my bank ) and they tried to handle that money too. 
The worst thing they are doing is trying to withdraw some additional $ XXXX monthly after stating that I will have to pay {$3900.00} in property taxes for my house, when the XXXX XXXX XXXX says it should be {$1700.00} ( and it could be {$1600.00} if the payment is realized by XX/XX/year> ) ; so this people are playing with my economy, I cant even know what is going to be next. I have to be saving money to prevent them getting their hands inside of my bank and non being able to pay my bills. They already got extra money from my bank a payment that was supposed to be {$890.00} they withdrew {$980.00}! 
I have been visiting their Corporate offices without success, this a private company, in their website says open until XXXX XXXX, but they are only open until XXXX XXXX, open the Saturday till XXXX XXXX  neither true only by appointment. Then I went in person to the place, and they told me no there is nobody working here all the personnel are working remotely ( so they tell people something at the phone, about getting an appointment and its on their door too, and then they hide to steal and destroy customers ) if you want call. That woman refused to open the door for me, she asked me to wait, she went to the back and went she came back, went out of the offices and came with that story about nobody working at the main office of the company based in XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ). So this ghost company dedicated to steal properties! How the government allows this to happen? 
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 2025-11-26 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: CT

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Experian data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these inquiry in 4 business days.

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 2025-11-26 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: TN

Complaint narrative:
bXXXX XXXX XXXX XXXX XXXXTennessee XXXXTransUnion Consumer SolutionsXXXX XXXX XXXX PA XXXXSubject: Dispute of Inaccurate Information on My Credit Report\nDear TransUnion,\nI am writing to dispute the following inaccurate information on my credit report, which I found\nduring a recent review of my report from TransUnion. This dispute is being submitted pursuant\nto my rights under the Fair Credit Reporting Act (FCRA), 15 U.S.C.  1681, which mandates the\nreporting of accurate information by credit reporting agencies and furnishers of credit data.\nDisputed Inquiry Details:\n1. DEPT OF ED XXXX XXXX XXXXThis account is inaccurately reported. I am attaching supporting documentation to prove that\nthe information is incorrect, including:\n- Copy of ID\n- SSN\n- Proof of Address\nAccording to the FCRA, you are required to investigate my dispute within 30 days of receiving\nthis letter. I also remind you that under the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C.\n 1692, debt collectors and creditors must report accurate information and correct or delete\nincorrect data promptly.\nRequest for Action:\n1. Remove or Correct the Inaccurate Account: Please delete or correct this inaccurate\ninformation from my credit report across all relevant credit bureaus.\n2. Provide a Written Response: I expect a written acknowledgment of your receipt of this\ndispute within five (5) business days, and a final resolution within the legally mandated\ntimeframe.\n3. Notify the Bureaus: If you determine that the account was reported incorrectly, please\ninform all three credit bureaus so they can update my report accordingly.\nFailure to comply with these federal laws may result in a complaint to the Consumer Financial\nProtection Bureau (CFPB), Federal Trade Commission (FTC), and the State Attorney Generals\nOffice.\nLegal Notice:\nPlease be advised that this letter serves as formal notice that I reserve my rights under all\napplicable federal and state consumer protection laws. If further inaccuracies or noncompliance\nare identified, I may pursue additional actions.\nThank you for your prompt attention to this matter. Please send any responses or updates toXXXXXXXXSincerelyXXXX 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