vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-18 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: CarMax, Inc.
State: IN

Complaint narrative:
Subject : Formal Complaint Against CarMax Auto Finance Breach of Settlement & Fair Credit Reporting Act Violations To Whom It May Concern, I am submitting this complaint against CarMax Auto Finance for breach of settlement agreement, failure to remove inaccurate information from my credit report, and violations of the Fair Credit Reporting Act ( FCRA ). 
Background of My Complaint : * I entered into a legal settlement with CarMax, through my attorney, in which they agreed in writing to remove a charge-off from my credit report. 
* As part of this settlement, CarMax paid me a settlement amount, confirming their acceptance of the agreement. 
* Despite their legal obligation, CarMax has not removed the charge-off, which continues to damage my credit and financial standing.

CarMaxs False Claims & CFPBs Prior Investigation : * I previously submitted a complaint to the CFPB regarding this matter. 
* CarMax falsely responded that they had no obligation to remove the charge-off, despite the written settlement agreement. 
* This response is misleading and an attempt to avoid accountability. 
Laws CarMax Is Violating : 1. Breach of Contract CarMax agreed to remove the negative reporting in a legal agreement but failed to do so.

2. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * CarMax is knowingly reporting false and inaccurate information by keeping a charge-off on my credit report after settling the account.

* This violates their duty to report accurate information to credit bureaus.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) * After I disputed this with the credit bureaus, CarMax failed to properly investigate and correct the inaccurate reporting, violating federal law.

Request for Immediate Action : I request that the CFPB take the following steps : 1. Investigate CarMax for FCRA violations and breach of contract.

2. Require CarMax to immediately request the removal of the charge-off from all three credit bureaus ( XXXX, XXXX, and XXXX ) XXXX 
XXXX. Impose penalties on CarMax for their refusal to comply with their legal obligations.

I am prepared to pursue legal action in small claims court for damages caused by CarMaxs non-compliance. Please confirm receipt of this complaint and the next steps in your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: FIRST NATIONAL BANK OF OMAHA
State: AZ

Complaint narrative:
XXXX I recieved a letter stating First National Bank Of Omaha sold financials to XXXX XXXX and the final process will be XX/XX/year>. 
In review of this material, They will be charging me {$89.00} per year for them to maintain paperless accounting. 
I called both financial establishments, was on the phone for XXXX hour and XXXX minutes, regarding this new fee. 

I was told by XXXX different people, XXXX different stories. 
Yes, I will pay a new created fee {$89.00} per year. 
Yes, I will only pay {$50.00} New Fee. 
Yes, Or you can " opt out. '' (? ) You can go online and get a new card with XXXX ( XXXX ) yearly Fee! 
Will I loss over XXXX points should I " Opt Out '' They are not sure. 
How is it no one can give me details? 
The one man said, I'm lumped into this becasue " I have a low Credit Score and I'm an XXXX XXXX. '' XXXX XXXX XXXX/ XXXX XXXX Is that considered low credit score by todays standards? 
I'd like to cancel this Credit Card if I'm going to be charged {$89.00} per year for it's utilization, yet I'm not willing to relinquish my earned points! 
Thank you for your assistance in this matter.

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 2025-02-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Portfolio Recovery Associates, LLC
State: AR

Complaint narrative:
Opened an account with XXXX XXXX in XXXX. The account was compromised fraudulently online with unauthorized charges and cash withdrawal from this card. Last payment date was XX/XX/XXXX. Portfolio bought this account 4 months later and now reports that they opened it in XX/XX/XXXX. They fraudulently increased the collection time by reporting at a much later date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: NJ

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
I applied for this lone online they called i asked questions and now the information is different. 

It seems for XXXX dollars loan I am paying XXXX  dollars and that should not be legal. 

I need assistance reviewing this company and knowing if they are following legal policies and procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding.

the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that are marked " Inaccurate '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account # XXXX date opened -- XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the accounts and inquiries listed below violate my federally protected rights to privacy and accuracy under 15 U.S.C. 1681. As stated in 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my financial information. Additionally, 15 U.S.C.1681 Section 604 ( a ) ( 2 ) specifies that a consumer reporting agency can not include an account on my report without my explicit written consent. Furthermore, 15 U.S.C.1681c ( a ) ( 5 ) prohibits the reporting of any adverse informationexcept for criminal convictionsthat is older than seven years. Lastly, under 15 U.S.C. 1681s-2 ( a ) ( 1 ), furnishers are not allowed to report information they know or should reasonably know is inaccurate. Given these protections, I request an immediate review of the listed accounts and inquiries. If they can not be fully verified with proper documentation, they must be removed. Please provide written confirmation of your findings and any actions taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I would appreciate it if you could quickly remove the fraudulent entries from my credit report due to the situation and take the necessary actions to correct any inaccuracies or fraudulent activities. I've included documentation from the relevant authorities to back up my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: TX

Complaint narrative:
Hi, last year I was refunded from XXXXXXXX XXXX mid last year or so ( About XXXX usd ) I used XXXX Usd of it no issue and tried to process the remaining XXXX on a dog i was paying off. The money got refunded because my bank marked it as spam without notifying me. I had to call them after a few days to get that information. After letting my bank know that it was not fraud, i then was told they would look into it and it should be put back into my account within a few buisness days. A week or so passed and i called them again, and informed them i had been waiting on that XXXX to be deposited. They told me the same thing, that they will look into it and it should go back into the account in a few buisness days. A few weeks on calling turned into a few months ... After I had enough i demanded to speak with the manager to figure out what is going on as I was still waiting on that money to pay off my dog which had crazy interest that was racking up. I was told by the manager " XXXX '' that it was " stuck in a loop '' and that he would personally write a check and get it mailed express shipping ... After a week of not reciving the check we called again and he assured up it will be handled.. After another week or so we complained again and eventually after complaining enough times we recived a check that wasnt even valid. The manager confirmed that it wasn't cashed out and that he would find another way through a credit or a valid check. After being told flase promises the mangers stopped replying and we weren't able to hear back from the company on any update on the situation. It has almost been a year! at this point we switched banks because of this awful service and are considering a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
DPT EDXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-18 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: TX

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-18 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-02-18 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: OH

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-02-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
Simply. Forbearance was not followed by Specialized Loan Services. 

XXXX XXXX had our loan. We were in forbearance due to XXXX 's death and XXXX. XXXX later our son took his life. We spoke with XXXX XXXX. They added XXXX months to forbearance as a convenience. XXXX XXXX stated additional time would have no bearing on deferred payments being added to back end of the loan. 



XXXX then sold to Specialized Loan services. Asked how deferred payment added to back of loan is handled. They said the agreement with XXXX XXXX did not cover them. 

We then agree to do a loan modification in XXXX XXXX. 

Specialized loan services sends papers for us to get notarized. Deferred payments would be added to longer 40 year mortgage. We would have to take on XXXX additional payments. 

We sign. Get notarized. 

They change loan to 40 years and force us to still make lump sum. We then get told that is a mistake and they will fix it. Months go by. Late fees and fines add up. 

They never fix it and XXXX is, sent to XXXX. We now have to pay an attorney XXXX a month. Why are you not protecting consumers from predatory mortgage service companies like Specialized loan services? 

Who in their right mind would ask for forbearance and not only agree to extend their loan by 10 years but also agree to pay the deferred forbearance amount in a lump sum? Nobody would but that is exactly what is being forced on this proud XXXX percent 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 2025-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I went in to a bank of america about three weeks ago, and I sat down with a representative. Explained I would like to open an account and she assisted me gathered all the necessary id and documents. Had me create an account and when it got to the point to open it. It kept saying unable to open your account please reach out to customer service. She had me try a few more times, and to avail so she called and reached out to the accounts department and I spoke with a gentleman and he informed me I couldn't open an account but he couldn't provide me a reason. It wasn't the institution It was a particular branch was all he could say.

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 2025-02-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Penn Credit Corporation
State: NY

Complaint narrative:
Penn Credit corporation put a collection balance on my credit. I advised them that I was already working with the creditor to clear the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
this account was supposed to be removed with all negative information and payment history when i file for bankruptcy, but it never was I disputed this account with the credit bureaus several times with supporting documents, but the bank keep send it back as accurate that's why I'm disputing it here to finally get it of my credit report. 
account # XXXX date opened -- XX/XX/year>

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 2025-02-18 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: CT

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit that I believe are hurting my financial well being.. I am aware of my fair credit act and request a thorough investigation of these inaccuracies as required by federal law. Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively. 
These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports.

Company response to consumer: Closed with explanation