vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-17 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, XXXX XXXX, am submitting this formal complaint and affidavit to report identity theft and fraudulent activity associated with my personal information. I recently discovered accounts and/or inquiries on my consumer credit reports that I did not open, authorize, benefit from, or consent to in any way. These accounts are the result of identity theft. I have never provided permission, written or otherwise, for any individual or entity to use my personal identifying information to obtain credit, services, or financial benefit. Upon discovery, I immediately took the following actions : Reviewed all three credit bureau reports Reported the identity theft to the Federal Trade Commission Filed disputes with the credit reporting agencies Began documenting all fraudulent activity The presence of these fraudulent accounts is causing financial harm, emotional distress, and reputational damage. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681c-2 ( FCRA 605B ), I am requesting the immediate blocking and removal of all information resulting from identity theft. These items are inaccurate, unauthorized, and unverifiable as they do not belong to me. I affirm under penalty of perjury that the information provided in this report is true and correct to the best of my knowledge.

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 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CarMax, Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding inaccurate credit reporting by CarMax Auto Finance related to a vehicle that was ultimately repurchased by CarMax due to repeated mechanical and system failures. 

Shortly after purchasing the vehicle, it experienced ongoing defects and multiple service failures that rendered it unreliable and unsafe to operate. After repeated repair attempts and being placed in XXXX loaner cars, CarMax completed a full buyback of the vehicle because it was defective. 

Because the transaction was rescinded through the buyback, the associated financing agreement should not have been reported as a completed or closed loan. However, CarMax Auto Finance continues to report this account on my credit report, which has negatively impacted my credit score. 

This reporting is inaccurate and misleading because I did not receive the benefit of a functioning vehicle and the underlying transaction was reversed due to defects present at the time of sale. The account should not exist as an active or closed tradeline since the purchase was effectively undone. 

I previously contacted CarMax Auto Finance requesting removal of this account from my credit reports, but I did not receive a response and the inaccurate reporting remains. 

I am requesting that CarMax Auto Finance delete this tradeline entirely from Experian, Equifax, and TransUnion to accurately reflect that the transaction was rescinded and should not be reported as a valid credit obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have a complaint from the credit bureau my ID restoration was hacked and stolen from the data breach attack. I lost my information and contact with account agent. I have a personal workers compensation complaints from the illness. I have been trying to get my insurance renewed with the account litigation on file with the account fraud. I want to pursue with a account take over compromised ID restoration for financial compromise of Government accounts. I have a suspension access of liability insurance dispute from my complaint. I have a email arbitration dispute that involves a error log in of account manager.

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Spring Oaks Capital, LLC
State: FL

Complaint narrative:
A certified letter requesting debt validation was sent to Spring Oak Capital on XX/XX/year>. This letter was signed on XX/XX/year>. To date, no response has been received validating this debt. I have attached XXXX documents, including the letter sent, the receipt from sending the letter, and proof of Spring Oak Capital receiving said letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
this matter is with td auto finance. this month they deducted my auto payment 2 days early putting my bank account at risk without notice. my monthly payment is due on the XXXX of every month like stated on the paper they sent me when i set up the loan. its on autopay which is suppose to be a good thing but in this case they deduct money from your account whenever they please. no where in the paperwork they sent me does it state they will or would deduct money from my account 2 days early! today is XX/XX/year> and the money due was deducted on XX/XX/year>. i called this morning to ask why and the lady on the phone said it was cause its a holiday but they still haven't received the payment. how is that possible? they took the money out of my account and still haven't received it? so where did it go? as far as there response she told me its cause it was a holiday weekend. well my mortgage company and all other credit cards auto pay haven't deducted anything till the following business day. why is td bank taken money out early and stating they haven't received it?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: GA

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 2026-02-17 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Self Financial Inc.
State: MD

Complaint narrative:
Initially I was told that I would get a credit card worth {$500.00} and I would pay {$25.00} a month and this would be reported to credit bureau. After not receiving card as promised in XXXX, i called and was told it on the way. Since i still didn't get card, I called back to say please refund money ( {$170.00} ), I am be told that I was paying {$25.00} a month for them to report to the credit bureaus and the credit card is a seperate division, and that I should be paying the {$25.00} a month for XXXX  months. So I proceeded to tell them to close my account because this is a scam because not even my bank charge {$25.00} a month to save my money, then i was told the fees to close account will add up to about {$150.00} but she's not sure of the exact amount because the credit card section, she's not sure of their final charge. And I repeat that there should not be a charge because I have not receive any services from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I share a bank account and a credit card with my elderly mother with Truist bank. On XX/XX/year>, our account was hacked. Someone processed an online cash advance in the amount of {$3000.00} to our checking account. On XX/XX/year> someone withdrew {$700.00} and {$800.00} from an atm in XXXX, Florida and then on XX/XX/year>, someone withdrew {$700.00} and {$800.00} at an ATM in Mt. XXXX, Florida. Both banks were Truist banks. We immediately called the bank to report the fraud. After researching, Truist refused to reverse the transactions because they are claiming that a chip was used, so it had to be a legitimate charge. I replied by telling them, that if they review the surveillance, for both transactions, which they should be able to do since the transactions occurred at a XXXX bank, they will see that it was not either myself ( since I was in Texas ) or my mother and that we reported the fraud as soon as it happened. Truist is not budging. They refuse to release the surveillance. On XX/XX/year>, I flew from Texas to Florida to file a police report. I have given the police report case number to Truist, but they are still refusing to take further action. My feeling is that once they will see that it is fraud, they will be out the funds stolen, so it is easier to charge us. Now, we are accruing interest for the charge that taken from the credit card since it was an online cash advance. We have never taken a cash advance on the credit card, neither myself or my mother. Once the first amount was withdrawn and we called the bank, the account should have been frozen. Truist allowed the second transaction to take place. Once again, viewing the surveillance will prove neither my mother or myself made these transactions. We were indeed hacked from the online transfer from the credit card to the with drawl from the ATM 's.

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 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Issue : Improperly withheld funds/ Failed disbursement of business balance. 
Account : Business Checking ( Ending in XXXX ) Total Amount : {$5900.00} Statement of Facts : XX/XX/XXXX : Bank of America closed my business account and initiated a balance disbursement check. 

First Attempt : Check never arrived despite other mail being received at my verified address XX/XX/XXXX : Contacted BofA after a XXXX day wait; was told the check was reissued. 

XX/XX/XXXX : BofA confirmed the second check was mailed. 

XX/XX/XXXX ( Today ) : After calling XXXX times, I am now told I must wait until XX/XX/XXXX, for another attempt. 

The Obstacle : The bank is effectively holding my business capital for XXXX months ( XXXX ) due to their refusal to use a trackable shipping method ( XXXX ) or alternative disbursement ( 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 monetary relief
Consumer complaint received 2026-02-17 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: GA

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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Shepherd Outsourcing, LLC
State: WV

Complaint narrative:
I was contacted via text message from the number of XXXX. The text message states This text is from Shepherd Outsourcing, a debt collector regarding your XXXX XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Visit XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. License Number XXXX SO Ref # XXXX Reply STOP to opt out. 

After clicking the link to get more information I was directed to a page that asked for the last XXXX numbers of my ssn. I did not provide any information and closed the tab in my browser. About XXXX minutes later I received another text message from the same number. It stated We see you checked out our payment portal for your XXXX XXXX XXXX ( XXXX XXXX - for which the current creditor is XXXX XXXX XXXX XXXX ) account. Remember to login at https : XXXX and setup payments before your account is returned to our client. This text is from Shepherd Outsourcing, a debt collector License Number XXXX. Reply stop to opt-out I do not have any debt with purchasing power as I have never even used that service before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 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: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
Issue : Incorrect interest charges following returned payoff payment without notification Complaint : I am filing this complaint regarding TD Auto Finance and interest charges that I believe were improperly assessed due to a servicing failure outside of my control. 

I refinanced my vehicle through XXXX XXXX XXXX XXXX, which issued a payoff check to TD Auto Finance. I delivered the check through TD Bank, which acts as an accepting agent for TD Auto Finance. Although the check was unsigned, the teller accepted it and it initially cleared my bank account, indicating the payment was processed in good faith. 

The check was later reversed once the missing signature was discovered. However, TD Auto Finance never notified me that the payoff payment had been returned. I only became aware of the issue weeks later when XXXX XXXX contacted me. Immediately upon learning of the problem, I obtained a replacement payoff check, which TD Auto Finance successfully processed. 

TD Auto Finance is now charging interest for the period between the returned payment and the replacement payment. I dispute these charges because : The original check was accepted by TD Bank on TD Auto Finances behalf. 
I was never notified that the payment failed, removing any opportunity for me to correct the issue sooner. 
I acted promptly and in good faith once informed. 
The delay and resulting interest were caused by processing and notification failures, not by any negligence or inaction on my part. 

As a consumer acting in good faith, I believe it is unfair to be financially penalized for a payment failure that I was never informed about and could not reasonably address. 

I respectfully request the CFPB review this matter and assist in reaching a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: TN

Complaint narrative:
Account still on my account, ive sent letters to have it 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 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On the month of XXXX i checked my TD bank account and noticed transactions that i never made. 

As i scrolled i noticed that for about XXXX weeks, someone made small transactions at fast food places, gas stations, restaurants that i never visited. 

i immediately cancelled my card and disputed the fraudulent transactions. 

The bank deposited a provisional amount for the newer transactions, But denied the older transactions that are clearly the same as the newer ones and it all occur in about the same time. 

I sent the bank, work schedule showing where i was at the time of the fraudulent transactions, police report, along with other proof demonstrating that i was not the person making these transactions. 

Yet, the bank denied all my account and said that the transactions looked normal. 

In total i lost about XXXXXXXX XXXX in small transactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: WV

Complaint narrative:
I was contacted via text message from the number of XXXX. The text message states This text is from XXXX XXXX, a debt collector regarding your XXXX XXXX XXXX ( XXXX XXXX - for which the current creditor is JEFFERSON CAPITAL SYSTEMS XXXX ) account. Visit XXXX XXXX XXXX. Reply stop to opt-out or call XXXX. # of messages varies. Message & data rates may apply. This is an attempt to collect a debt and any information obtained will be used for that purpose. License Number XXXXXXXX XXXX  Ref # XXXX Reply STOP to opt out. 

After clicking the link to get more information I was directed to a page that asked for the last XXXX numbers of my ssn. I did not provide any information and closed the tab in my browser. About XXXX minutes later I received another text message from the same number. It stated We see you checked out our payment portal for your XXXX XXXX XXXXXXXX ( XXXX XXXX - for which the current creditor is JEFFERSON CAPITAL SYSTEMS XXXX ) account. Remember to login at XXXX XXXX XXXX  and setup payments before your account is returned to our client. This text is from XXXX XXXX, a debt collector License Number XXXX. Reply stop to opt-out I do not have any debt with purchasing power as I have never even used that service before.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: NJ

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX grossly overcharged me, today, Tuesday, XXXX XXXX, for a small cup of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2026-02-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NQM Funding, LLC
State: IL

Complaint narrative:
At closing in XX/XX/year>, my Closing XXXX reflected a XXXX XXXX XXXX premium to XXXX. 
The lender has admitted they never transmitted payment to XXXX because they relied on a paid receipt that was generated in error due to a closing date change. 
XXXX never received funds. 
As a result, I was charged directly by XXXX and paid the premium out-of-pocket. 
The lender acknowledges they did not send payment and does not have a check number or proof of disbursement. However, they are refusing to reimburse me and are directing me to pursue XXXX instead. 
Additionally, when I requested documentation of payment, the lender responded with yelling, and telling me but to call and be should have hung up rather than providing ddocumentation. I am requesting a full escrow and closing disbursement ledger reflecting whether the XXXX XXXX  premium was funded at closing and where those funds were allocated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I purchased a pair of shoes from XXXX XXXX on XX/XX/XXXX. They arrived too late for a wedding I was attending so I returned the shoes in XX/XX/XXXX. On XX/XX/XXXX I received an email stating they received my return and that items received within 60 days of the ship date would be issued a refund to the original payment method. In this case, it was with XXXX XXXX credit card, which is a store card for XXXX XXXX and other brands. It stated that the refund to the card should post within 7 business days. I have yet to receive that refund. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX customer service by phone. The representative told me they were only the bank and only see general transactions and had no clue if my return was processed. He saw no return on file. I then emailed XXXX XXXX 's customer service. They replied to my email saying they couldn't help me because their systems were undergoing scheduled maintenance and would not be fully operational for 24-48 business hours. I still haven't received a follow-up to my question. 

I find this whole situation highly questionable. First, if the charge is with XXXX XXXX why can't they follow-up on charges made? Also, why hasn't XXXX XXXX replied? The email is very unprofessional with emojis thrown throughout it and doesn't appear to be written by someone that possesses a good knowledge of the English language. 

I feel like I've been swindled.

Company response to consumer: Closed with monetary relief