vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: CO

Complaint narrative:
I am filing this complaint because multiple companies, including XXXX XXXX CarMax Auto Finance, and XXXX XXXX XXXX XXXX, have engaged in unlawful and harmful practices regarding my consumer credit reports. 



False & Inaccurate Reporting ( FCRA 1681s-2 ( a ) ) These companies have knowingly furnished false, misleading, and inaccurate information regarding accounts that are fraudulent and not mine. Despite clear notice of disputes, they continue to report balances, charge-offs, and negative information without validation. Improper Reinsertion of Deleted Items ( FCRA 611 ( a ) ( 5 ) ) Accounts that were previously disputed and removed from my cred
it files were unlawfully reinserted by Equifax and Experian without proper certification or notice, which is a direct violation of federal law.

Failure to Conduct Reasonable Reinvestigation ( FCRA 611 ( a ) ( 1 ) ( A ) ) Despite my multiple disputes, these agencies have failed to perform lawful reinvestigations and instead continue to verify inaccurate accounts without providing proof, contracts, or supporting documentation.

Negligence & Willful Noncompliance ( FCRA 61661XXXX ) Their continued failure to correct inaccuracies after repeated notice demonstrates willful noncompliance and negligence, which has caused measurable damages to my creditworthiness. 
Violation of FDCPA ( 15 U.S.C. 1692e, 1692c ) CarMax and XXXX XXXX have participated in deceptive and unlawful collection activity, furnishing inaccurate information to credit bureaus while continuing communication on accounts that are disputed and unvalidated.

Failure to Maintain Reasonable Procedures ( FCRA 607 ( b ) ) The credit bureaus have failed to follow reasonable procedures to ensure maximum possible accuracy of the information they report, allowing fraudulent and inaccurate data to remain on my file. 




These repeated violations have caused me substantial financial injury, including : Denials of housing, auto financing, and credit card applications Loss of financial opportunities Emotional distress, reputational harm, and hardship for me and my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
We ( under my wife 's name ) received in the ( snail ) mail what appears to be essentially a phishing type scam ( only hard copy ) for a credit card we did not apply for and requesting a lot of copies of personal identification materials be sent to a XXXX XXXXXXXX. There are in fact XXXX mailing address on the letter, but the primary one in the body of the letter I suspect to be the fraudulent one. We have not replied in any way to the letter, as it appears to be a complete scam. We have not contacted Barclays directly and believe they are not the true originators of this. If, by chance, this is some legitimate Barclays mail, it is in VERY poor taste in our modern age ( and still misinformed, as we did not apply for such a card ).

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 2025-08-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
The NCB Management Services collection account for XXXX XXXX XXXX is reported inaccurately. Payment history, balance, and account status are missing or unverifiable. I requested full verification under the FCRA, and if the information can not be verified, the account should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am disputing the legitimacy of a debt that XXXX XXXX XXXX is attempting to collect, allegedly related to a Kohls credit card account originally issued by Capital One, N.A. I have never entered into any agreement with XXXX XXXX XXXX, nor have they provided documentation establishing a valid assignment or legal authority to collect. Despite my written dispute under 15 U.S.C. 1692g ( FDCPA ) and 12 C.F.R. 1006.341006.38 ( Regulation F ), XXXX has continued collection activity without supplying the required validation or proof of ownership/assignment of the debt. 

In addition, XXXX XXXX XXXX has accessed and/or used my nonpublic personal information ( including account details and identifiers ) without my permission. If they obtained my consumer report, they may have done so without a permissible purpose in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). Likewise, if Capital One disclosed my nonpublic personal information to XXXX outside of lawful exceptions, such disclosure may constitute a violation of the GrammLeachBliley Act ( 15 U.S.C. 6802 ) and Regulation P.

These actions amount to deceptive and unfair practices under the FDCPA ( 15 U.S.C. 1692e, 1692f ) and may constitute an unfair, deceptive, or abusive act or practice under the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

I am requesting that the CFPB investigate these violations, require validation and proper authority to be shown before any further collection, review whether my consumer report was accessed without a permissible purpose, and determine whether my personal information was improperly disclosed in violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Amount of XXXX taken from me XXXX  payment for XXXX. Making a fake website online as XXXX. 
A second dispute was sided with XXXXXXXX for XXXX and XXXX XXXX/PayPal after XXXX the dispute sided with company on their behalf. I can not give you the date because XXXX/PayPal doesnt allow it known on their app or website. 
Amount XXXX was taken from my account with a number of XXXX on the-transaction in XXXXPayPal with Revivesale the company disregarded my inquiry stating no transaction found. XXXXPayPal canceled my card restricting my use and is sending me a new card. Without any instructions on shipping or use of my new card.Venmo/paypal is not a reputable company on a consumers stand point. Their procedures and policy totally steal from the public.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-16 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: Fidelity National Information Services, Inc. (FNIS)
State: PA

Complaint narrative:
I discovered inaccurate information reported on my checking account ( XXXX  ) activity. I contacted the company multiple times requesting verification and correction. Despite providing supporting documentation, they failed to investigate or resolve the errors. These inaccuracies have affected my account records and may impact my credit reporting. I am requesting a thorough investigation and correction of all inaccurate entries, and confirmation that the corrected information has been updated.

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 2025-08-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: FL

Complaint narrative:
I recently refinanced my VA loan through rocket mortgage, shortly after closing my loan was transferred to Loancare out of XXXX  XXXX, Va who is now servicing my VA loan.

Immediate after I had multiple issues with there payment service, improper amounts taken out of my account, payments taken out on back to back days overdrafting my bank account. Even after multiple phone conversations they still could not fix the issue so I went through my banking institution and stopped all automatic withdrawals from their company Loancare, now I pay them by check only because I do not trust their payment system. 
Now I have a new issue that XXXX cant get resolved on my own. When the transfer to Loancare happen they requested my hazard insurance, which my homeowners agent supplied on multiple occasions since XXXXXXXX XXXX XXXX, they still pulled money out of my escrow to pay a lender required insurance even though I sent proof of coverage multiple times. Now my renewal insurance is coming up in XXXX and they are telling me due to the money sent to their lender provided insurance that was not needed I have an escrow shortfall and they are increasing my payment. The phone representative told me the issue was resolved but yet I keep getting letters to the contrary. This was the same problem with their payment service but I was able to resolve that issue, this one will not be that simple. I tried to reach out to the VA to see if this kind of lender should be able to service VA loans with this kind of horrible service. But unfortunately I see no solutions through the VA website either.

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 2025-08-16 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Re : Reinsertion of Deleted Account Formal Dispute Under the FCRA To Whom It May Concern : I am writing to formally dispute and demand reinvestigation of an account that was previously deleted from my Equifax credit file but has since been reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ). 

The account in question is : Creditor Name : XXXX XXXX Account Number : XXXX Balance Reported : {$6100.00} Date Opened : XX/XX/year>2024 This account was previously removed from my Equifax credit report but has now been reinserted. Under the FCRA, Equifax is required to notify me in writing within 5 business days of any reinsertion, and provide the furnishers certification of accuracy. To date, I have received no such notice.

Accordingly, I demand : Immediate deletion of this account if proper reinvestigation and certification were not completed prior to reinsertion. 

The name, address, and telephone number of the furnisher of this information ( XXXX XXXX ) who allegedly verified its accuracy. 

Copies of all documents, records, and communications Equifax relied upon in deciding to reinsert this account. 

If Equifax fails to comply with its obligations under the FCRA, I will be forced to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I also reserve the right to pursue all available legal remedies, including statutory damages under 15 U.S.C. 1681n and 1681o.

Please provide a written response within 30 days as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted letters to the credit reporting agency starting XX/XX/year>, requesting deletion of inaccurate collections and hard inquiries. I provided documentation and asked for verification. Despite this, the errors remain on my report. I seek a prompt investigation and removal of all unverifiable and incorrect information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-08-16 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: Fidelity National Information Services, Inc. (FNIS)
State: NV

Complaint narrative:
I am a victim of identity theft and my personal information has been used improperly. Please see attachments below

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 2025-08-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: IL

Complaint narrative:
I

am filing this com plaint to dispute fraudulent and unlawful reporting by the collection company IQ Data on my credit report. IQ Data is reporting negative information that violates Section 605B of the Fair Credit Reporting Act ( FCRA ), which prohibits the reporting of certain outdated, inaccurate, or otherwise impermissible debt information. This reporting is fraudulent and has caused significant harm to my credit standing. Despite my attempts to resolve this, IQ Data continues to report this inf ormation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: TX

Complaint narrative:
Re : Request for Block of Fraudulent Information Under FCRA Section 605B Dear Credit Bureau Representative, I am a victim of identity theft and I am invoking my rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). This section requires you to block and remove fraudulent accounts from my credit file within XXXX business days after receiving proper identification and an identity theft report. 

The following accounts are fraudulent and must be removed from my credit file immediately : 1.XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX / XXXX Collection Account XXXX XXXX Enclosed are the following documents to support my request : 1.A copy of my government-issued ID 2.Proof of address ( utility bill, lease, or bank statement ) 3.A copy of my FTC Identity Theft Report / Police Report Please block and remove these accounts immediately and provide written confirmation once the block has been applied. If you fail to comply, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals office. 

Sincerely, 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 2025-08-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Re : Request for Block of Fraudulent Information Under FCRA Section 605B Dear Credit Bureau Representative, I am a victim of identity theft and I am invoking my rights under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ). This section requires you to block and remove fraudulent accounts from my credit file within XXXX business days after receiving proper identification and an identity theft report. 

The following accounts are fraudulent and must be removed from my credit file immediately : 1.XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX / XXXX Collection Account XXXX XXXX Enclosed are the following documents to support my request : 1.A copy of my government-issued ID 2.Proof of address ( utility bill, lease, or bank statement ) 3.A copy of my FTC Identity Theft Report / Police Report Please block and remove these accounts immediately and provide written confirmation once the block has been applied. If you fail to comply, I will escalate this matter with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Texas Attorney Generals office. 

Sincerely, XXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-16 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: MI

Complaint narrative:
I purchased something from XXXX scent. They put a temporary hold on my discover card and then they had to cancel the order the same day because the item was not in stock. The transaction was never processed. Discover card has not processed this money back to my card and it has been nearly 10 days. I have reached out to them and they still show that this transaction is processing. It was never finalized and it was never put through the merchants system. The merchant is denying any issues they have cleared out their payments they have done everything on their end. Discover card is the problem. I'm not going to be pushed back and forth between these people when it's a discover card issue. It is 2025 there is no need to take 10 days to process a credit or to put money back on my card. Since XXXX XXXX has taken over discover card this has been an ongoing issue that I've never had in the several years that I have owned a card from discover. Discover needs to resolve this with the merchant and the XXXX of them need to figure this out because it's overdrafting my credit card.

Company response to consumer: Closed with explanation