vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
In XXXX of 2025 Wells Fargo offered me a large cash advance at a 0 % promotional rate on my credit card. The information included with the offer specified that the minimum payment each month would be applied to the lowest APR balance and anything over the minimum payment each month would be applied to the highest APR. I took at XXXX XXXXXXXX advance at the promotional rate and allowed my monthly reoccurring charges to continue to charge to the card because I planned to pay XXXX  XXXX a month, {$800.00} over the minimum payment, which would easily cover the minimal reoccurring charges that would be subject to the higher purchases APR. By XXXX I noticed that I was carrying a balance on the higher interest APR category of purchases and being charged interest on it. Each month I had paid significantly over the minimum payment to cover the purchases on the card. When I called Wells Fargo customer service they first told me the only way to avoid interest charges was to pay the entire XXXX XXXXXXXX balance, that I had to pay that entire XXXX XXXX  promo interest balance FIRST before any payment I made would be applied to the {$40.00} purchases balance. When I read the terms of the promotional agreement to the service person they offered me a one time credit for that month 's interest but advised there was no way to avoid continuing to owe interest on that purchases balance each month unless I paid the entire statement balance. When I pushed again that this was contrary to their terms, predatory and wrong he dug deeper into the records and claimed that actually my payment each month was being partially applied to both balances, but could not explain why it wasn't paying off the higher interest purchases balance when it should have easily been enough $ $ over the minimum to do so.

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 2025-10-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This is my final notice. You have been repeatedly notified of the fraudulent accounts and unauthorized inquiries on my credit file, and you have failed to act. I am the consumer, and this letter is being sent directly by me. Do not insult my intelligence with another form letter or template response. Every day you delay is another day you are knowingly violating federal law. 
You now have official proof of identity theft in your possession. Continuing to report these fraudulent items after receiving that documentation is no longer a mistake it is willful noncompliance and will be treated as such. 
You Are in Direct Violation of Federal Law : 15 U.S.C. 1681b ( c ) You can not furnish or retain inquiries on my credit file for transactions I never authorized. Each unauthorized inquiry still showing is an independent violation.

15 U.S.C. 1681c2 You are required to block identity theftrelated information within 4 business days once provided proper documentation. You have already received my FTC Identity Theft Report, government ID, Social Security card, and proof of address. Your failure to act is blatant noncompliance.

18 U.S.C. 1028A ( Aggravated Identity Theft ) By continuing to report fraudulent data, you are knowingly enabling identity theft. This statute is criminal in nature.

15 U.S.C. 1681i ( a ) You must reinvestigate disputed items. If you can not produce verifiable proof that I authorized these accounts or inquiries, you are legally obligated to delete them immediately.

FCRA 616 & 617 Your continued inaction opens you to civil liability, including statutory damages, punitive damages, and attorneys fees. 
Fraudulent Accounts and Inquiries ( Already Documented ) : XXXX. BK OF AMER Account Number : 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 2025-10-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CarMax, Inc.
State: TX

Complaint narrative:
I am disputing an alleged deficiency balance on a repossessed vehicle financed through CarMax Auto Finance. CarMax failed to comply with Texas statutory notice requirements under Texas Business & Commerce Code 9.611 and 9.614, which require that pre-sale and post-sale notices be mailed to the debtors last known, correct address. CarMax continued sending mail to an outdated address even after receiving written notice of my current one, and I never consented to electronic delivery. 

The vehicles default was also tied to mechanical issues caused by warranty repairs performed under CarMaxs own extended-warranty program. Used parts were installed instead of new ones, and the vehicle later suffered major drivetrain failure connected to those repairs. This made the repossession and any claimed deficiency commercially unreasonable under Texas BCC 1.304 and 9.610 ( b ).

CarMax has not produced the legally required sale and accounting records despite repeated requests. Continuing to report negative information while the account is under legal dispute may violate the FCRA and Texas Finance Code Ch. 392.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Employer XXXX XXXX XXXX Employer - XXXX Incorrect DOB : - XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged 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

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 2025-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-10-30 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: PA

Complaint narrative:
Dear Experian I am writing to formally dispute the reporting of a late payment on my closed account with XXXX XXXX XXXX XXXX as reflected on my credit report. This letter serves as a request for investigation and correction under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Account Information : Account Number : XXXX Current Account Status : Closed / Paid in Full According to my records, this account was closed and/or paid in full on XXXX XXXX Therefore, the reported late payment is inaccurate and constitutes a violation of the FCRA, which requires all information furnished to credit reporting agencies to be complete and accurate. 

Under Section 623 of the FCRA, furnishers of information must correct or delete inaccurate or unverifiable information after receiving notice of dispute. I am requesting that you : 1. Conduct a thorough investigation of this account and the alleged late payment.

2. Provide verification of the reported delinquency, including date, amount, and proof of notice sent to me at that time. 
3. If verification can not be substantiated, promptly remove the late payment notation from my credit report with all consumer reporting agencies ( Experian, XXXX XXXX XXXX  ). 

Please provide a written response within 30 days of receipt of this letter, as required by federal law. 

Thank you for your prompt attention to this matter. I expect that, upon review, you will find the information reported to be inaccurate and will correct it accordingly.

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 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: LA

Complaint narrative:
I am formally disputing any unsubstantiated or inaccurate information in my credit report, invoking the FCRA and the XXXX XXXX data field reporting standard. The allegations of delinquency and derogatoriness lack factual evidence and violate federal and state laws. It is crucial to ensure the precision and legality of all claims in compliance with the XXXX XXXX reporting standard. I hereby request that you provide tangible, verifiable evidence supporting the account 's existence and its appropriate usage for authorized purposes. In the absence of such evidence, I demand the removal of the account from my credit report. I grant authorization for the physical mailing of documentation outlining your actions and any subsequent updates to my credit report. 

NCA - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I purchased tickets for the XXXX XXXX concert through XXXX The XXXX officially announced that the concert was canceled XXXX has not issued any refund or response I opened a dispute with Chase Bank because the event was canceled and the service was never provided XXXX closed my claim saying the payment was authorized but the transaction should be refunded since the concert did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not create these accounts, and they appear fraudulent. Please remove them immediately and perform a proper investigation. Proof is enclosed.

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 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THE LATE PAYMENT ENTRY IS INCORRECT AND MISREPRESENTS MY ACCOUNT HISTORY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
I am not responsible for these accounts ; removal is mandatory within 15 days under USC 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 2025-10-30 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:
Despite being paid off, the account still lists late payments inaccurately.

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 2025-10-30 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Fraudulent charges XX/XX/XXXX made through my XXXX account to XXXX in the amount of {$200.00}, Order ID : XXXX on and another charge in the amount of {$200.00} Order ID XXXX. 

Summary of the complaint : I was the victim of a Phishing attack in which the hacker got into my email and aquired my login information for XXXX. They made these purchases through XXXX on my account using my XXXX already set up in my XXXX account.The hacker then changed my login information for my XXXX account, so I was unable to cancel the order, see what they ordered or see whose address the order went to. My financial institution, Capital One said that the charges are valid, and they only refunded me about {$5.00}. These charges are NOT valid and are fraudulent. 

I immediately contacted Capital One to report the charges ; however, they advised the transaction would have to be posted ot the account in order to file a complaint. I contact them back again on XX/XX/XXXX and filed the report. I also immediately reported the charges as fraudulent through XXXX online through their system on XXXX. I never heard back from XXXX regarding my report. On XX/XX/XXXX I was advised that the charges were deemed valid. I called Capital One to request the documentation used to come to this conclusion. I am awaiting their response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: VA

Complaint narrative:
I disputed a XXXX XXXX XXXX ( XXXX ) collection account with TransUnion. 

TransUnion closed my dispute within two days, marking it as verified as accurate, even though XXXX never provided me with any validation of the debt. 

My Debt Validation Letter was sent on XXXX XXXX XXXX  and received by XXXX on XXXX XXXX XXXX triggering FDCPA 809 ( b ). XXXX  continued to report and TransUnion accepted verification without any proof, violating FCRA 611 ( a ) ( 1 ) ( failure to conduct a reasonable reinvestigation ) and FCRA 623 ( a ) ( 1 ) ( furnishing unverified information ).

I am requesting : Deletion of this unverifiable account ; A detailed method of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) ; Review of TransUnions reinvestigation process.

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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing regarding complaint ID XXXX XXXX which I submitted against Capital One Financial Corporation on XXXX Over the past four months I have complied with every request, yet the bank has refused to provide evidence of any meaningful investigation and continues to deny my dispute despite clear signs of fraud. I paid for the service but the merchant doesnt deliver the promise service. 
I am writing regarding complaint ID XXXX XXXX which I submitted against Capital One Financial Corporation on XXXX. Over the past four months I have complied with every request, yet the bank has refused to provide evidence of any meaningful investigation and continues to deny my dispute despite clear signs of fraud. I paid for the service but the merchant doesnt deliver the promise service. 
The only evidence they keep sending to me is my own bank statement thats not an evidence of an investigation! They give a number to call but Im calling multiple times nobody answers!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I want to make it absolutely clear that this complaint is not a mistake. My credit report contains inaccuracies that clearly do not meet the requirement of maximum possible accuracy. These errors have had a serious and ongoing negative impact on me, both personally and financially.

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 2025-10-30 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: AZ

Complaint narrative:
There has been unauthorized access to my credit report by several companies, which has directly and negatively impacted both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, as these inquiries still remain. This ongoing failure to act is completely unacceptable. 

The continued presence of these unauthorized and potentially fraudulent entries raises serious concerns of possible identity theft and reflects a clear lapse in protecting consumer data. This unresolved issue has caused me significant emotional distress and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I immediately notified Chase of the fraudulent charge and they closed the account, sent a new card and removed the charge. However, over the past several months the charge has been removed and re-posted several times. Went to a bank branch and spoke to an officer on XX/XX/scrub>XXXX and charge was again removed but reposted within 2 days. Two letters sent and attached. 

Letter sent XXXX XXXX XXXX  I am writing to dispute a fraudulent charge in the amount of {$970.00} on XXXX XXXX XXXX I did not approve this charge. I took a cab ride in XXXX and this charge was posted to my account, under the description of " manuel '' for home services or other merchandise. This was immediately reported and I received a new credit card. Although the charge was initially removed, it has now been re- posted to my account. 
I am enclosing a picture of the license plate of the driver. Upon arriving in XXXX. I hired a cab to take me to my destination and was taken to an industrial area where attempts were made to charge the credit card, although charges initially declined. However, the charge eventually did post. Please remove this fraudulent charge from my account, including interest or other penalties. Sincerely,

Company response to consumer: Closed with explanation