vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: NE

Complaint narrative:
I am a victim of identity theft. I discovered that seven ( 7 ) loan accounts were fraudulently opened in my name with XXXX, without my knowledge or authorization. I never applied for, approved, or benefited from any of these accounts. 

After noticing these accounts on my credit report, I contacted Upgrades fraud department and reported the identity theft. I requested a full investigation, written confirmation that the accounts were not authorized by me, and removal of all fraudulent accounts from my credit report. 

Despite reporting the fraud and cooperating with the company, the fraudulent accounts remain on my credit report, and I have not received proper confirmation or resolution. These inaccurate accounts are negatively affecting my credit and financial standing. 

I am requesting that XXXX immediately remove all seven fraudulent accounts, confirm in writing that they were unauthorized, and correct all credit reporting related to this identity theft.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have tried to log in to my Experian account but have recently changed my phone number and do not have access to my previous number. There seems to be no way whatsoever to change your phone number associated with your account even after providing all other relevant information. It should not be this hard to change the phone number especially because without it there is no possible way for me to log into my Experian account.

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 2025-12-16 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: CA

Complaint narrative:
Consumer Financial Protection Bureau, I am making this complaint about XXXX financial institution. 

The financial institution Carmax Auto Finance has been reporting a charge-off since XX/XX/XXXX to my consumer report. 
In my first letter to Carmax that was XX/XX/XXXX I asked for proper validation of the debt. CarMax responded by sending the original retail installment agreement I have with them on XX/XX/XXXX. 
After I received the contract I brought attention to the fact that the account is being reported as a 'charge-off ' in a second letter on XX/XX/XXXX and requested a thorough investigation about this reporting. 
I did not receive a response from Carmax at all so on XX/XX/XXXX I wrote a third letter that reaffirmed my second letter with additional remarks. 
I stated that the unpaid debt has been written off as a loss for accounting purposes and since this debt has been cancelled/forgiven it is considered taxable income by the IRS. 
This now taxable income is not legal for it to be reported on a consumer report.and they must file a 1099-C for the calendar year in which the identifiable event occurred because this is a debt that has been cancelled/forgiven and is more than {$600.00}. 
The identifiable event in this case is the decision or defined policy of the creditor to discontinue collection activity and discharge the debt. 
I still haven't received any response from Carmax since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding the account XXXX account numbers XXXX ( Experian and TransUnion ) and XXXX ( Equifax ), with a balance of {$580.00}, opened in early XXXX, last active between XXXX and XX/XX/XXXX, and with the last payment on XX/XX/XXXX, which has been inaccurately reported as having multiple late payments across all three credit reporting agencies. Experian reports late payments of 30 days in XXXX XXXX 60 days in XXXX XXXX, 90 days in XXXX XXXX  120 days in XXXX, 120 days in XXXX, and 150 days in XX/XX/XXXX, Equifax shows 60 days in XXXX XXXX  90 days in XX/XX/XXXX, and 120 days in XXXX and XX/XX/XXXX, and TransUnion reflects 30 days in XXXX XXXX 60 days in XXXX XXXX, 90 days in XX/XX/XXXX, and 120 days in XXXX and XX/XX/XXXX. These reported late payments are inconsistent with my records, including bank statements, payment confirmations, and correspondence with the creditor, which show that all payments were made on time according to the agreed schedule. The repeated inaccurate reporting by the creditor and the credit bureaus has caused undue stress and has materially affected my creditworthiness, creating a misleading picture of my financial responsibility. I have repeatedly requested verification and correction from Experian, Equifax, and TransUnion, including documentation proving the accurate dates and amounts of my payments, but the discrepancies persist, in violation of FCRA 611, 623 ( a ) ( 2 ), and 623 ( b ), which require both furnisher and bureaus to ensure the accuracy of reported information and properly investigate disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies for continued inaccurate, misleading, and inconsistent reporting of the same account in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being reported multiple times with conflicting account types ( auto lease/automobile/lease ), inconsistent remarks regarding dispute status, and inaccurate payment history data. Despite reflecting a zero balance, no past-due amount, and XXXX XXXX left to pay, the account continues to display late payment indicators and varying month counts, which materially misrepresents my creditworthiness. 

These inconsistencies demonstrate a failure by both the furnisher and the credit bureaus to ensure maximum possible accuracy and to conduct a reasonable reinvestigation after disputes were submitted. Reporting the same obligation with differing data is misleading, deceptive, and harmful, and constitutes continued noncompliance with FCRA requirements.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX and the credit reporting agencies for continued inaccurate, misleading, and inconsistent reporting of the same account in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ). The XXXX XXXX XXXX account is being reported multiple times with conflicting account types ( auto lease/automobile/lease ), inconsistent remarks regarding dispute status, and inaccurate payment history data. Despite reflecting a zero balance, no past-due amount, and XXXX XXXX left to pay, the account continues to display late payment indicators and varying month counts, which materially misrepresents my creditworthiness. 

These inconsistencies demonstrate a failure by both the furnisher and the credit bureaus to ensure maximum possible accuracy and to conduct a reasonable reinvestigation after disputes were submitted. Reporting the same obligation with differing data is misleading, deceptive, and harmful, and constitutes continued noncompliance with FCRA requirements.

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 2025-12-16 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Since early XXXX, after Comenity Bank closed my XXXX credit account, I have been receiving non-stop collection calls every single day, including weekends. These calls are repetitive and automated, and always leave the same message on my voicemail, even when I dont answer. 

I have communicated with their representatives multiple times and asked for clear information, but instead, I was treated with disrespect. Some agents have used threatening language, saying things like you will lose your assets if you dont pay. I felt intimidated and harassed. 

I never received a formal written notice informing me that my account was closed or transferred to collections. I only found out after the calls started. My last active balance from XX/XX/XXXX was {$1400.00}, and I was paying the minimum payments before the account was suddenly closed. 

The harassment continues despite me not giving permission for this kind of contact. I have not yet sent a written cease and desist letter, but I believe this level of phone harassment is abusive and should not require me to take extra legal steps to make it stop. 

I am requesting that CFPB intervene and require Comenity to stop the excessive and aggressive phone calls, provide me with a clear and written explanation of the debt status, and ensure no further threats or intimidation are used during any communications.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Client Services, Inc.
State: PA

Complaint narrative:
CEASE AND DESIST XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX Client Services, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Date : XX/XX/year> I would like to request, in writing, that you MUST contact me ONLY via the address noted in this letter and through no other medium. These other mediums include but are not limited to phone, email, social media, place of employment, and any credit reporting agencies. I wish ONLY to be contacted with the following information requested as well as any updates on this account being deleted or updated as instructed. 

Please provide me the following information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : 1. Original contract of debtor with debtors wet ink signature.

2. All statements while this account was open.

3. Any and all accounting documents associated with this alleged debt.

I would furthermore like to know who gave your company authority to collect on this alleged debt and please provide proof that your company has the right to collect on this alleged debt. Please also tell me if any insurance claims or judgments have been made by any creditor regarding this account. 

Please provide me with the name and address of the bonding agent for, in case legal action has to be taken. 

You must provide me with all the information I have provided to you or other transfer agreements which would establish your right to collect on this alleged debt within 30 days from the date of your receipt of this letter. 

YOUR CLAIM CAN NOT AND WILL NOT be considered valid if any portion or documents have not been provided as instructed by the consumer. This is a request for validation according to the FDCPA. 

Thank you for your attention in this matter, XXXX : Tia-TNise Without prejudice, All Natural Rights Reserved!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: NY

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent account on my report. Please remove the account its hurting my ability to obtain credit.

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 2025-12-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/year>, I transferred {$3000.00} from my XXXX bank account to Navy Federal Credit Union to pay off a " XXXX XXXX '' ( Transaction Ref : XXXX ). The money was successfully removed from my XXXX account. 
XXXX XXXX representatives claimed the transaction " did not go through '' due to a system error. However, they have kept the funds. They instructed me to make a second payment to close the loan, which I did. 
Currently, the loan is paid off, but XXXX XXXX is still holding the original {$3000.00} transfer. It has not been returned to my external account, nor is it available in my XXXX XXXX XXXX accounts. 
Additionally, since a XXXX XXXX is secured by savings, paying off the loan should have released my collateral. XXXX XXXX has failed to make me whole by either : Returning the original {$3000.00} transfer that they claimed failed ; OR Releasing the {$3000.00} collateral that was securing the loan. 
I have contacted them multiple times ( most recently XX/XX/year> ) and provided screenshots proving the funds left XXXX. They have failed to locate or return my money. I am requesting the immediate return of my {$3000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint regarding Checkr , Inc., a consumer reporting agency, for violations of the Fair Credit Reporting Act ( FCRA ) in connection with my employment/driver status with XXXX Technologies XXXX XXXX XXXX 

Checkr provided a consumer report used by XXXX to deactivate my driver account. This adverse action appears to be based on inaccurate or incomplete information, and Checkr has failed to conduct a reasonable reinvestigation despite my attempts to correct the record. Specifically : I have been an XXXX driver for over 10 years, completed XXXX trips, maintained a XXXX rating, and have no traffic citations in over XXXX years. 
I purchased my own XXXX XXXX XXXX ( XXXX ) from the state, which verifies my clean driving history, but Checkr refused to accept this documentation. 
I have not received a copy of the consumer report relied upon, nor have I been provided proper notice or the opportunity to dispute inaccuracies prior to the adverse action. 

The only response Ive received from XXXX or Checkr is something about a XXXX. I have never had nor applied for a XXXX. 

Under the FCRA, Checkr is legally required to : 1. Provide a copy of the report used for adverse action.

2. Conduct a reasonable investigation of disputed information.

3. Correct or delete any inaccurate or unverifiable information.

4. Respond to disputes within 30 days.

I request that the CFPB investigate Checkrs handling of my dispute, including their failure to accept valid documentation and their refusal to conduct a reasonable investigation. I am submitting this complaint to ensure compliance with FCRA requirements and to protect my rights as a consumer. 

Thank you for your attention. 

Sincerely, XXXX XXXX XXXX, GA XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Issue : Billing dispute / Improper handling of trade-in equity / Unfair collection practices Complaint Narrative I am submitting this complaint regarding Lexus Financial Services handling of my trade-in equity and their ongoing collection actions while a formal dispute is pending. 

Background : I recently entered into a new vehicle lease with Lexus Financial Services involving a trade-in vehicle. The agreed trade-in value was {$28000.00}, with an existing lien of approximately {$8000.00}, leaving approximately {$20000.00} in trade-in equity that should have been disbursed to me. 

However, Lexus Financial Services informed me that due to my credit score, only {$10000.00} of this equity would be released, with no clear contractual or legal explanation for withholding the remaining amount. Trade-in equity represents my existing asset and should not be reduced or withheld based on creditworthiness once the transaction is completed. 

Primary Concerns : Improper withholding of consumer trade-in equity Lexus Financial Services has XXXX to provide a clear contractual or legal basis for retaining a significant portion of my trade-in equity. XXXX XXXX XXXX affect lease approval terms, but should not retroactively reduce or delay payment of established equity. 

Unfair payment demands while funds owed remain unpaid Despite not having released the full trade-in proceeds owed to me, Lexus Financial Services continues to aggressively demand the first lease payment. This places an unreasonable and disproportionate financial burden on the consumer while the company retains funds rightfully belonging to me. 

XXXX activity during an active dispute I have formally opened a dispute with Lexus Financial Services ( XXXX # XXXX ). Despite this, I continue to receive payment demands without meaningful engagement on the equity dispute. This raises concerns regarding unfair or inappropriate collection practices while a bona fide dispute is under review. 

Lack of reasonable accommodation or written justification I have requested written clarification and reasonable payment accommodation given the unresolved equity issue. To date, I have not received a substantive response addressing the merits of my dispute. 

Impact : This situation has caused significant financial strain and uncertainty. I am not refusing to pay ; rather, I am seeking fair treatment and proper disbursement of funds owed before being compelled to make payments under disputed circumstances. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AR

Complaint narrative:
I am submitting a complaint against Equifax, Experian, and TransUnion regarding multiple inaccurate and unverified items on my credit report, including collection accounts with XXXX ( XXXX XXXX, {$100.00} ), XXXX XXXX XXXX XXXX XXXX XXXX {$660.00} ), and XXXX & XXXX XXXX XXXX {$500.00} ), which report incorrect balances, obsolete information, and potentially inaccurate dates of first delinquency, violating FCRA 605 ( a ), 605 ( c ), 623 ( a ) ( 1 ) ( A ), and 623 ( a ) ( 5 ), and debt collectors have failed to validate these debts as required under DCPA 809, with some practices appearing misleading or unfair under FDCPA XXXX and XXXX ; additionally, numerous hard inquiries including XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX appear on my report without permissible purpose or beyond the allowable reporting period, violating FCRA 604 ( a ), 605 ( a ), and 611, all of which have negatively impacted my creditworthiness, and prior attempts to resolve these issues directly with the bureaus and creditors have been unsuccessful.

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 2025-12-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX  Account number # XXXX Account name XXXX XXXX  Account number # XXXX violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.C. 1681B ( 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.

Company response to consumer: Closed with explanation