vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/year>, a concert ticket charge from XXXX XXXX ( the ticketing platform for XXXX XXXX, XXXX NY ) was posted to my Discover account. The event was later moved from XXXX XXXX to a different XXXX venue, which made the ticket unusable for the intended recipient ( under XXXX ). I was provided less than XXXX hours to request a refund, a window far too short for a ticket I had purchased months earlier. The merchants posted refund terms applied only to events held at XXXX XXXX, and the change in venue and age policy meant those terms no longer applied. 

I contacted XXXX XXXX multiple times requesting a refund ; they pointed me to XXXX XXXX, who has failed to respond entirely ( I even called customer service ). The ticket went unused. In response to Discover, XXXX XXXX  stated they could not offer a refund because it is the customers responsibility to ensure the purchase is correct before completion. I did confirm all details at the time of purchasebut the relevant conditions changed after the transaction, making this reasoning invalid. 

In addition, the market value of the ticket dropped from {$140.00} to {$70.00} after the venue change, further proving that the merchant did not deliver an equivalent service or event. The merchants no-refund terms are exploitative and directly conflict with the protections provided under the Fair Credit Billing Act ( FCBA ), which exist to protect consumers when services are not delivered as agreed. By relying on those terms to deny my dispute, Discover failed to apply FCBAs consumer protection standards, which supersede private merchant policies when services are not rendered or are materially altered. 

I filed a billing dispute with Discover under the FCBA and provided documentation showing the venue change, age restriction, and merchant non-response. Discover denied my claim, citing the merchants no-refund policy without considering that the service was materially altered, devalued, and never usable as purchased. This demonstrates that Discover failed to conduct a fair and reasonable investigation as required under Regulation Z 1026.13. 

Overall, I had no reasonable way to anticipate that the event terms would change after purchase or that access would later be restricted. The merchants one-day refund window for a months-old ticket purchase is unreasonable and unfair to consumers. The attached documentation includes my original purchase receipt, proof of venue and age ( as well as value ) change, correspondence with XXXX XXXX  and XXXX XXXX, and Discovers denial letter. The merchants policy was applied outside its stated scope, and Discover failed to conduct a reasonable investigation under XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: TX

Complaint narrative:
Dear CarMax Auto Finance XXXX XXXX, I am writing to formally dispute and report unauthorized payment activity on my CarMax Auto Finance account. XXXX payments were scheduled for XX/XX/year>, and XX/XX/year>. The first payment was declined by my bank, and as a result, I was assessed a fee. 

When I contacted customer service for clarification, I was informed that I had personally set up these payments. However, I am certain that I did not authorize or schedule recurring payments for those dates. I am currently XXXX month behind on my account, and I would not have set up XXXX separate automatic withdrawals within the same week. 

During my call, I first spoke with a representative named XXXX, who abruptly transferred me to a XXXX named XXXX. After waiting approximately XXXX minutes, I was told that I must have scheduled the payments myself. I found this explanation dismissive and unprofessional. 

The fact that my account is XXXX month delinquent would explain the erroneous attempt to collect a debt. Why would I schedule payments totaling over {$1000.00} in XXXX month? The only party that benefits from that would be CarMax Auto Finance! Why would I intently set myself up for failure? Afterward, CarMax attempts to cover themselves by attempting to spin it like the customer is at fault is outright appalling. 

Neither representative demonstrated empathy or awareness that this issue could be the result of a system error or an automated scheduling process affecting delinquent accounts. They immediately and adamantly stressed that I deliberately placed myself in this predicament! 

As a result of these unauthorized transactions, I was unfairly charged fees by my financial institution and was also subjected to unnecessary stress and inconvenience. 

If I log into my account, it currently displays that XXXX recurring payments are scheduled for XXXX on the aforementioned dates. I did not authorize either payment and the one for the XXXX of XXXX has already been scheduled for a STOP yet afterwards, the a recurring payment is still scheduled as recurring ( please see attached screenshot ). 

Their system has prompts that are not in favor of the consumer ( like automatically defaulting to weekly recurring payments when you try to make a one-time payment ). Please see attached screenshot # XXXX. The set up is very sneaky with CarMax Auto Finance being the only beneficiary. 

I am submitting this complaint to raise awareness of potentially deceptive or automated practices that could harm other customers. Based on the sheer audacity of the representatives, I have no doubt that CarMax will attempt this again. I look forward to the day they try it on someone who has the proper finances or connections to escalate the matter to litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX has re-aged a previous debt from XX/XX/XXXX, giving it a new XXXX of XX/XX/XXXX. I did not open or fall delinquent on any account in that entire year. In XX/XX/XXXX I sent them a certified letter of verification asking that they verify the debt. They did not respond. I have disputed this account multiple times with all XXXX credit bureaus and the debt has not been removed. The amount is also incorrect as they state I owe {$4300.00} when my original debt with the original creditor ( XXXX ) was {$2000.00}. The act of re-aging the debt is illegal. This debt must be removed from my credit history immediately as it has caused too much turmoil in my financial life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am not aware of any such inquiries, thus it looks that this one is unauthorized and false. Please act right now to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My entire credit report reflects inaccurate and unverifiable information across multiple accounts and inquiries, violating FCRA 602, 607 ( b ), and 611 ( a ). I have reason to believe reasonable procedures were not followed to ensure accuracy. I request deletion of disputed items and acknowledgment of statutory liability as the bureau failed to conduct a proper reinvestigation under FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Experian Information Solutions Inc.
State: GA

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Re : Request for Deletion of Inaccurate Collection Account Dear Sir or Madam, I am writing to dispute a collection account currently appearing on my credit report with your bureau. This account has been verified and deleted by XXXX as inaccurate and should not be reported on my credit file. 

Account Name / Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), all information that appears on my credit report must be accurate and consistent across all reporting agencies. Since XXXX  has already removed this account after investigation, the reporting of this same account by your bureau is now inaccurate and inconsistent, and therefore must be removed immediately. 

I am requesting that you : Conduct a reinvestigation of this account, and Delete the collection from my credit file, and Provide me with an updated copy of my credit report once the deletion is complete. 

Enclosed is documentation confirming the deletion from XXXX ( if you have itif you dont, just send the letter without it ). 

Thank you for your prompt attention to this matter. I expect your response within the timeframe allowed under the FCRA. 

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an account opened at LVNV FUNDING LLC on XX/XX/XXXX under the account number ( private ), a account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

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 explanation
Consumer complaint received 2025-11-04 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
XXXX XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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 a personal credit card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), an account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number ( private ), and a collections account opened at COMENITYBANK/XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

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 explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
I am writing to dispute certain inaccuracies in my credit report provided by TransUnion, in accordance with the Fair Credit Reporting Act ( FCRA ), which entitles me to the accurate and complete reporting of my credit information. After reviewing my credit report, I have identified multiple accounts with inaccurate and incomplete information. Specifically, the following accounts are being disputed due to potential violations of the FCRA and data breaches : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} Date Opened : XX/XX/XXXX Discrepancies : The reported balance is incorrect, and the status of late payments is misleading. It appears to be marked as " Charged Off '' or " Collection, '' but this information has not been fully explained, violating the FCRA 607 ( b ) for incomplete reporting. Additionally, there is potential data breach exposure on this account. 
XXXX. XXXX XXXX XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$7200.00} Date Opened : XX/XX/XXXX Discrepancies : The account is reported as " Collection '' and " Charged Off, '' but I have no record of the original creditor or agreement terms. This raises a concern for possible data breach and failure to verify under FCRA 611. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$870.00} Date Opened : XX/XX/XXXX Discrepancies : The account shows as a " Medical '' collection but lacks verification under FCRA 609 ( a ) ( 1 ). This is an incomplete reporting of the account history, and the status should be corrected to reflect the accurate reporting.

Requested Actions : In compliance with FCRA regulations, I request the following : 1. Verification of all disputed accounts : Please provide copies of all documentation used to verify these accounts, including the original creditors information and any correspondence regarding these disputes. 
XXXX. Investigation and Correction of Inaccurate Information : Correct the inaccuracies related to account balances, dates of last activity, and late payments. Any information that can not be verified as accurate must be removed from my credit report. 
XXXX. Protection Against Data Breach : I request that TransUnion confirm the security measures in place to protect my personal and financial data, as the inaccuracies and data breaches noted in these reports may expose my private 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 2025-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: The Receivable Management Services LLC
State: MI

Complaint narrative:
The company called unauthorized party regarding my personal matter, I tried calling them to get the issue resolved and to advise not to call anyone about my personal affairs and the representative who said that he was a director of the company was very nasty and rude.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
This is a formal dispute of unauthorized inquiries that I am filing directly through the CFPB to ensure it reaches Experian. I have attached my written dispute letter to this complaint, listing the inquiries that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

By submitting through the CFPB, I hope to guarantee that Transunion will receive and respond to my dispute without delay. This approach allows me to document my efforts and ensure the matter is addressed in accordance with the FCRA. 
WHAT WOULD BE THE FAIR RESOLUTION I request that XXXX review the dispute letter I attached and provide documentation verifying each inquiry, including evidence that I gave consent and that a legitimate reason existed. If such documentation can not be produced, I ask that the inquiries be permanently removed and that I receive confirmation once the investigation is completed.

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