vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: AZ

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: Experian Information Solutions Inc.
State: TN

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 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 2025-05-31 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: SC

Complaint narrative:
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.

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 2025-05-31 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: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I am writing to formally lodge a complaint regarding the abrupt closure of my business account with your institution, which I believe was motivated by XXXX discrimination. 

I am a XXXX XXXX XXXX  and my account was closed, without a clear or legitimate explanation. This action has severely disrupted my business operations and caused reputational and financial harm. 

To my knowledge, I have not violated any banking rules, and I was given no prior warning or valid justification for this termination. I have reason to believe that the closure was influenced by discriminatory practices based on my race, in violation of federal laws including : 42 U.S. Code 1981 Equal rights under the law. 
The Equal Credit Opportunity Ac
t ( 15 U.S.C. 1691 ) Prohibiting credit discrimination based on race.

The Civil Rights Act of 1964, Title II Prohibiting discrimination by public accommodations. 

I demand a formal explanation for the closure of my account and immediate corrective actions. If no resolution is reached, I will be compelled to pursue legal remedies, including filing complaints with : The Consumer Financial Protection Bureau ( CFPB ), The Office of the Comptroller of the Currency ( OCC ), And potentially pursuing civil litigation for damages caused. 

Please provide a written response within 10 business days of receipt of this letter. I have retained documentation of all account activity and communications related to this incident.

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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
XXXX XXXX XXXX is reporting incorrect and inaccurate information to Experian. They are saying my home foreclosed on XX/XX/year>. This is incorrect information. 

The case is in the XXXX  XXXX XXXX XXXX XXXX XXXX XXXXt protection. 

Furthermore, their own company reporting provided by XXXX shows an active loan - 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CT

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. 

These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. 

Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.

12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice.

15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.

15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.

Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. 

Your continued reporting of them is reckless and potentially unlawful. 

I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. 

Any collection efforts tied to these accounts must cease and desist without delay. 

BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$840.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against Americas Car-Mart , specifically the XXXX, Georgia location , regarding ongoing and unresolved mechanical issues with a vehicle I purchased on XX/XX/XXXX. The situation involves potential misrepresentation of warranty coverage, unsafe vehicle conditions, and poor service follow-through, despite my repeated attempts to work with the dealership. 

Vehicle Information : - Year/Make/Model : XXXX XXXX XXXX XXXX - XXXX : XXXX - Purchased From : Car-Mart of XXXX, GA XXXX Warranty Provided : 3-year / 12,000-mile limited warranty - Loan Amount : {$22000.00} ( including {$1900.00} service contract ) - Current Balance : {$15000.00} Issues Summary : - Shortly after purchase ( less than one week ), the vehicle began experiencing serious mechanical problems, including cutting off at low acceleration speeds and at stop lights. Car-Mart referred the vehicle to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, which seemed to temporarily fix the issue. However, the engine continued to exhibit performance issuesjust without stalling. 

- By early XXXX, the car 's condition worsened again. In XX/XX/XXXX, the motor locked up completely, and Car-Mart had the engine replaced under warranty. However, soon after the replacement, the car began cutting off again, just like it had originally.

- In addition to the stalling issue, the vehicle now appears to have a power drain problem. Despite battery and alternator tests coming back normal, the car continues to lose power for no clear reason.

Financial Impact : - Ive fallen two payments behind on my {$330.00} biweekly plan because I can not reliably use the car for work or travel.

- Ive paid for diagnostic services and lost income due to the vehicles repeated breakdowns.

- Despite these losses, Car-Mart has not provided a replacement vehicle or acceptable resolution. 
I believe Americas Car-Mart engaged in predatory lending and deceptive business practices. At the time of sale, the terms of my contractincluding the service contract and warrantywere not clearly explained to me. I was charged {$1900.00} for a service contract, and the vehicle became non-functional within months. Despite multiple repair attempts and an engine replacement under warranty, the car continued to shut off and lose power. Car-Mart refused to provide a permanent repair solution, and instead repossessed my vehicle while I was still actively seeking warranty service. This has caused me severe financial hardship and emotional XXXX  I believe Car-Mart is intentionally delaying or denying repairs to run out the warranty mileage and repossess cars without offering solutions. I am requesting a full review and investigation of their lending and servicing practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX  XXXX XXXX XXXX I  am unaware of this debt and I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am extremely dissatisfied with the way Capital One handled a serious dispute regarding two unauthorized transactions on my Quicksilver credit card. On XX/XX/XXXX, two charges were made without my authorization : one for {$210.00} at " XXXX XXXX XXXX '' and another for {$460.00} at " XXXX XXXX. '' Both transactions were processed in XXXX while I and my authorized user were physically located in the United States. The card used was reported as lost. 

I reported the charges promptly and followed all procedures to initiate a dispute. However, Capital One dismissed my case in just three business days without conducting a serious or thorough investigation. Their communications were vague and unhelpful. Instead of providing a clear explanation for their decision, they used ambiguous phrases like we dont have enough evidence and even implied that I might have made the purchases and later falsely claimed fraud a completely baseless and offensive suggestion. 

Capital One failed in their obligation to investigate properly and to protect me as a cardholder. Their decision-making process lacked transparency, diligence, and respect for the customer. I am requesting that the CFPB intervene, hold Capital One accountable, and ensure this dispute is re-evaluated fairly and responsibly. I should not be held liable for transactions I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: NY

Complaint narrative:
I volunteered on a XXXXXXXX XXXX  to be put on a later flight for {$1200.00}. I have tried to use the virtual Visa gift card that they gave me and none of the merchants that I have tried to use it for have accepted the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: DC

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 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 2025-05-31 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Top Line Collectors LLC
State: NY

Complaint narrative:
The landlord ( XXXX XXXX XXXX XXXX XXXX ) and its reporting agent, Top Line XXXX XXXX, have furnished inaccurate and misleading tradeline information to XXXX, severely damaging my credit. 

On XX/XX/XXXX, the landlord accepted a one-time {$80000.00} XXXX  ( XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX covering XXXX  months of arrears and XXXX  months of prospective rent ( through XX/XX/XXXX ). Despite this, they filed a nonpayment eviction in XXXX XXXX the XXXX periodand began reporting inflated balances to credit bureaus. 

By XX/XX/XXXX, they issued a letter threatening to report my account to Top Line. I protested in writing on XX/XX/XXXX, stating that the balance was disputed and inflated. Nonetheless, Top Line reported a charge off for {$76000.00} in XX/XX/XXXX, with a past-due amount of $ XXXX updating it to reflect payments, XXXX protections, or the active legal dispute. 

This violates FCRA 623 ( b ), as I filed formal disputes and the furnishers failed to correct or reasonably investigate. The rent they reported included XXXX months, inflated amounts above my legal rent ( {$4000.00} ), and amounts still under litigation. I am appealing the underlying judgment and have provided documentation of these issues. 

The misreporting has harmed my credit and interfered with housing and credit access. I request that the CFPB instruct the furnishers to remove or correct this tradeline and investigate the use of credit reporting as a coercive tool in a rent-stabilized eviction

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I briefly opened a Chase Checking account several years ago, and I made a transfer from an external bank account to the Chase account that was over {$10000.00} and then decided to promptly cancel. I then had my Chase account terminated and was told that I was no longer able to open a banking with Chase, despite spending thousands of dollars on their credit cards each year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$20.00}

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 2025-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFERSON CAPITAL SYSTEM XXXX XXXX XXXX XXXX XXXX  I am unaware of this debt and I did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature. If not, please delete account XXXXXXXX XXXX XXXX XXXX XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation