vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7900.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have not received any response from the Bureaus even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section XXXX ( a ), if these items are not investigated within XXXX days, they should be promptly removed from my credit report. But unfortunaetly it has been over XXXX days and no accounts was updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: AMERIS BANCORP
State: OR

Complaint narrative:
I own an automotive repair shop and we use a dedicated computer system to diagnose vehicle problems. Without this tool, we can not fix vehicles and operate our business. XXXX day our tool just failed to turn on. This required us to contact the company that manufactures the tool to attempt to figure out how to fix the tool. It was deemed unfixable, and they suggested that we upgrade to the newer tool. Seeing as we were really in a bind and desperate, we agreed to use their financing company to finance the tool and get it sent out using next day shipping. We've been using the tool successfully for a few years and I realized that we had to be getting close to having the loan paid off, so I started looking into it and noticed that every statement that was ever sent from the company only showed a payment amount. Never any details about the remaining balance or anything like that. I then attempted to contact the company which took me XXXX months to get a response. When I did get a response I asked for the payoff quote and the payoff quote was {$7300.00}! The cost of the tool is only {$5000.00}. The total pay off when this loan is complete in 2027 will be {$14000.00}! Obviously, I'm not OK with this. I just want what I've currently paid to have this loan closed. The company also sent me the paperwork for the original loan which I'm including that nowhere does it show any interest amount or any payment term final price. If I would've seen the total pay off amount or the interest rate listed anywhere on the paperwork, I would not have proceeded with this loan. We feel very taken advantage of because of the dire situation that we were in. In my opinion, this is definitely what I would consider a predatory loan and I feel quite stupid for falling into it. I've been running my auto repair business for XXXX  years and I've never had anything like this happen. When I reached out to the company and tried to get them to close out this loan they sent me the payoff quote of {$7300.00}! They refused to do anything to help. Please let me know at your earliest convenience. What we can do regarding this. Thank you for your time sincerely, XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I called to close my XXXX XXXX XXXX credit card back in XXXX of XXXX and paid it in full with the representative. After that, even though the card account was closed, apparently I was still incurring interest because the rep didn't close the interest portion so I have been paying late fees and interest on this card that I haven't used and it has been messing up my credit for over a year even though I had already paid the card in full and requested the account closed and they closed the account. Now I have a mark on my credit that states my account is XXXX days late and I just called them again for the same issue. This is beyond unacceptable and ridiculous for the everyday consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX. XXXX XXXX XXXX  - XXXX - This is a closed and fully paid account with a solid payment history. The current reporting is inaccurate and harmful. Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. I demand this be corrected immediately to reflect a positive payment history.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing regarding an account that appears on my credit report which is currently involved in pending litigation. Given the active legal dispute surrounding this account, its continued presence on my credit file is not only inaccurate, but also misleading and premature. 

Until the legal process is resolved, any reporting of this account is incomplete at bestand at worst, a misrepresentation of the situation that could unfairly damage my creditworthiness. The Fair Credit Reporting Act ( FCRA ) clearly mandates that only accurate and fully verifiable information be reported. Reporting an account thats actively tied up in litigation violates both the spirit and the letter of that requirement.

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 2025-06-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX, GA XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXXXXXX XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$820.00} XXXX XXXXXXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX XXXXXXXX XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} INQUIRIES : XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-30 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: CarMax, Inc.
State: OR

Complaint narrative:
CarMax Auto Finance violated multiple consumer protection laws.

First, they shared my nonpublic personal information without providing a proper privacy notice or allowing me to opt out, violating 15 U.S.C. 6802. I was never given a clear and conspicuous notice of their information-sharing practices, nor was I offered an opt-out before my information was disclosed.

Second, CarMax engaged in unfair and deceptive practices in violation of 15 U.S.C. 45 by misrepresenting or omitting critical facts about the loan terms, privacy rights, cancellation process, and billing.

Most importantly, CarMax refused to honor my right to rescind the loan as allowed under the Truth in Lending Act ( TILA ). I attempted to rescind the auto loan within the legal rescission period, but they ignored or denied my request. I did not receive all required TILA disclosures, which tolls or extends the rescission period. 
This harmed me financially, and CarMax continues to report this account to credit bureaus despite the rescission request and privacy violations.

15 U.S.C. 6802 Requires privacy notice and opt-out before sharing personal financial info 15 U.S.C. 45 Prohibits unfair or deceptive conduct in commerce 15 U.S.C. 1635 / 12 CFR 1026.151026.23 Gives consumers the right to rescind certain credit transactions if disclosures are missing or misleading

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
Transunion is reporting an account as charged off. I dispute that this account has been verified as accurate. The account in question is XXXX XXXX XXXX XXXX * * *. Transunion did not send me any information regarding how they came to this conclusion that this account is indeed charged off. Transunion is NOT allowed to have access to my personal financial information.

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 2025-06-30 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: GA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are picture ID, a bill and a letter helping me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items of which only XXXX are required per the law. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( 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 2025-06-30 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX USAA XXXX XXXX XXXX XXXX XXXX XXXX XXXX Usaa XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Reported Late Payment on Account number : * XXXX To Whom It May Concern, I am writing to formally dispute a late payment reported on my account [ XXXX ] for the billing period ending [ XXXX and XXXX of XXXX ]. After reviewing my records, I believe this late payment was reported in error. 
According to my documentation, I submitted the payment which was within the required timeframe. 
This inaccurate reporting has negatively impacted my credit score and does not reflect my commitment to maintaining a responsible payment history. I respectfully request that you investigate this matter and, if appropriate, update my credit file to reflect a timely payment. 
Please confirm receipt of this letter and notify me of the outcome of your investigation at your earliest convenience. 

Sincerely, XXXX XXXX Let me know if you'd like to

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 2025-06-30 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: Ideal Collection Services, Inc.
State: NY

Complaint narrative:
I am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ). 
I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX XXXX XXXX XXXX  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I previously disputed and had a XXXX  XXXX XXXX tradeline removed from my credit reports after submitting a valid identity theft affidavit. The account, opened fraudulently in XXXX, was confirmed by me as identity theft in XXXX and deleted from all three credit bureaus. 

However, XXXX  XXXX XXXX recently sent me a letter stating they still hold me responsible for the balance and intend to resume reporting the account. They offered no new documentation, no copy of a signed agreement, and no additional evidence to support re-reporting the debt. 

This complaint is being filed proactively because XXXX  XXXX XXXX is attempting to bypass the protections under FCRA 611 ( a ) ( 5 ) ( B ), which prohibits reinsertion of previously deleted information unless : 1. The furnisher certifies the information is accurate and complete ; 2. The credit bureau notifies the consumer in writing within 5 business days.

As of now, no such notice has been given, and no evidence was included in their response. Any attempt to reinsert this tradeline without those two steps is a direct violation of the FCRA. 

This account was already marked as identity theft, documented in an FTC report, and acknowledged through tradeline deletion. I am requesting regulatory intervention before any reinsertion occurs, and to document XXXX  XXXX XXXX intent to violate consumer protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: United Shore Financial Services, LLC
State: AZ

Complaint narrative:
Requested waiver of escrow through secure portal on website on XX/XX/year>. 
I submitted requested documents through secure portal on website on XX/XX/year>. 
Inquiry received on XX/XX/year> and advised response within XXXX  days. 
Received letter confirming closing of escrow account on XX/XX/year>. 
Received letter advising new monthly payment but that the next monthly payment may draft with escrow included, however this and any other remaining escrow funds would be refunded on XX/XX/year>. 
However, BOTH XXXX AND XXXX payments drafted with escrow included. 
I submitted an inquiry through secure portal on website asking when my escrow would be refunded and my monthly payment changed on XX/XX/year>. 
I received a response through secure portal on website stating that my escrow was waived and my new monthly payment would be adjusted, however the next monthly payment might draft with escrow included. 
On XX/XX/year> I sent the following through the secure portal on website; Yes, you sent a letter to me in XXXX, saying the same thing, that you have removed escrow from my payment. 
Yet, XXXX AND XXXX mortgage payments have included escrow, you have not removed it. And XXXX payment STILL has the escrow included, WHEN WILL YOU REMOVE THIS ESCROW AMOUNT??? 
On XX/XX/year> I received a response through the secure portal on website saying that the monthly payment had been updated and excess escrow would be refunded. 
On XX/XX/year> I received a letter stating the same thing. 
On XX/XX/year> I asked when the excess amount of escrow would be refunded to me On XX/XX/year> I received a response through the secure portal on website saying the escrow balance will be refunded check by mail by XXXX XXXX. 
Today is XX/XX/year> and I STILL have not received my excess escrow. 
I called XXXX to ask where my money is and was told that the escrow amount was finally released on XX/XX/year> and the actual release of funds would take XXXX days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CBC Companies, Inc.
State: AL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX  of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation