vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: OneMain Finance Corporation
State: OH

Complaint narrative:
OneMain Financial XXXX. Excessive and Harassing Phone Calls This agency has contacted me up to XXXX times within a single day, XXXX day within the past month in a half I was called from XXXX different numbers more than 8 times in XXXX day. 
XXXX. Contacting My Place of Employment The agencies have contacted my place of employment to discuss this debt. if a debt collector knows that the consumer 's employer prohibits such communications, the collector is not allowed to contact the consumer at work. 
XXXX. Contacting Me via Multiple Phone Numbers and Text Messages Agency has used more than four different phone numbers to contact me and has sent multiple text messages.

5. Disclosure of Debt Information to Third Parties agency has disclosed information about my alleged debt to third parties without my consent. My place of employment was contacted more than once, it was stated that " they were attempting to collect a debt '' XXXX. Attempting to Collect a Debt Not in Default. 
The account in question is not in default ; it is merely a late payment at least that is what they are reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: MS

Complaint narrative:
I want to formally file a complaint against CarMax and XXXX XXXX for what I believe is a violation of the Fair Credit Reporting Act ( FCRA ). 

On or around XXXX XXXX, XXXX, and XXXX XXXX, I completed a pre-qualification application for a vehicle through CarMaxs online platform. CarMax explicitly represented that this process would only involve a soft credit inquiry, which would not affect my credit score or appear as a hard inquiry on my credit report. 

However, following this pre-qualification, I discovered that XXXX XXXX, a financing partner of CarMax, performed a hard credit inquiry on my credit report without my knowledge or explicit consent. This hard inquiry is now listed on my credit report and has negatively impacted my credit score. 

I did not authorize CarMax to submit my application to XXXX XXXX or any third party for a hard credit pull. At no point was I informed that my information would be shared in a manner that would lead to a hard inquiry. This conduct misrepresents the nature of the pre-qualification process and constitutes a deceptive practice in violation of the FCRA. 

I am requesting the CFPB to : 1. Investigate CarMaxs and XXXX XXXX conduct regarding this matter. 
2. Require the removal of the unauthorized hard inquiry from my credit report with all 3 credit agencies.

3. Ensure that CarMax and its affiliates provide clear and accurate disclosures regarding credit checks going forward. 

I have sent supporting documentation to carmax including proof that it was a prequalification. 

Thank you for your attention to this matter. I look forward to your response and a resolution of my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2025-05-06 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:
This morning, I discovered some incorrect accounts listed on my credit report, and Im unsure how they got there. I review my credit report regularly, but this time I saw unexpected discrepancies. I even refreshed my browser thinking it might be a glitch, but the inaccurate information remained. Due to this, Im requesting a detailed review of the documents I submitted to ensure this issue is resolved permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-06 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-06 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I opened a checking and savings account with Chase bank in XX/XX/2025 to take advantage of a promotion to receive {$900.00} bonus. I setup my bank account to make transfers to Chase. Chase had a daily limit of {$2500.00}, so I went ahead and setup for 6 transfers to fund the {$15000.00} required to get the full bonus amount. Chase called to verify the transactions, and I confirmed that I indeed made them. They took 4 separate transactions of {$2500.00}, totaling {$10000.00} ( from XXXX XXXX XXXX ). They refused to do the remaining 2 transfers. Due to this I decided to close my credit card account with them and told them I intended to close all of my accounts eventually. I had been using the same bank account to make auto payments on the credit card for years. I scheduled a meeting with a team specialist, but didn't hear my phone ring when they called. I then discovered they made my account restricted, preventing me from accessing the account, so I called. They refused to provide any information regarding my account beyond they had decided to close it and I would have to wait until their account closure process, after which they would mail me a check via XXXX. I'm currently unable to access the {$10000.00} I deposited, and now would no longer be eligible for the {$900.00} bonus because I have now opened an account and it has been closed through no fault of my own, and also risk fees associated with not being able to make any of the required transactions to avoid fees. I'm not even able to check because I can't access the account online anymore and they refused to provide any information unless I visited a branch, which there are not in my area. I opened the account online, so it seems weird I can't be provided information online or through the mail. They claim it was due to suspicious activity, but the only thing I did was deposit money into the account. Never attempted any type of withdrawal. I can only assume that it was done in retribution to me closing my credit card and being honest with them that I did not intend to keep the accounts open. I've never had a bank straight up take money from me and refuse to give it back immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-06 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:
Account number XXXX XXXX XXXX XXXX XXXX XXXX  Amount allegedly owed {$1300.00} To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE : Formal Complaint and Demand for Immediate Cease and Desist Unlawful Collection Activity and Credit Reporting To Whom It May Concern : This letter constitutes a formal complaint and demand for immediate corrective action regarding your agencys unlawful attempt to collect an alleged debt from me in the State of Minnesota. XXXX XXXX XXXX has no valid contractual agreement with me, has failed to provide proper validation or assignment of debt, and is not licensed to collect debts in South Carolina by law. 

Despite multiple legal obligations under state and federal law, XXXX XXXX XXXX has engaged in the following violations : Violations of Federal Law Fair Debt Collection Practices Act ( FDCPA ) : XXXX5 U.S. Code 1692e : Use of false, deceptive, or misleading representations in connection with the collection of any debt, including the implication that you are legally permitted to collect debts in Virginia.

15 U.S. Code 1692g : Failure to provide proper debt validation, as required within five days of initial communication.

Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 : Furnishing inaccurate or unverifiable information to credit reporting agencies.

Continued reporting of an unverified tradeline after receiving dispute notices is a violation of your duty to ensure accuracy and correct errors.

Other Legal Concerns Fraudulent Representation & Unjust Enrichment : Attempting to collect money without proper validation constitutes fraudulent intent and a bad-faith effort to profit from an unsubstantiated claim.

DEMAND FOR ACTION Accordingly, I am demanding the following : 1. Immediate cessation of all collection activities related to this alleged debt.

2. Immediate deletion of the tradeline from all credit reporting agencies ( XXXX XXXX TransUnion ). 
XXXX. Written confirmation that the account has been closed and will not be sold or reassigned. 

If these demands are not met within 15 days, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), South Carolinas Corporation Commission, and the South Carolinas Attorney Generals Office.

Pursue civil and statutory damages under 15 U.S.C. 1692k, 15 U.S.C. 1640, and South Carolina state law.

Initiate binding arbitration or legal proceedings as permitted under federal consumer statutes.

You are now on notice of these violations. Failure to take immediate action will result in further enforcement. 

Sincerely, 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 2025-05-06 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: SC

Complaint narrative:
Account number XXXX XXXX XXXX XXXX XXXX XXXX  Amount allegedly owed {$1300.00} To XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX RE : Formal Complaint and Demand for Immediate Cease and Desist Unlawful Collection Activity and Credit Reporting To Whom It May Concern : This letter constitutes a formal complaint and demand for immediate corrective action regarding your agencys unlawful attempt to collect an alleged debt from me in the State of Minnesota. XXXX XXXX XXXX has no valid contractual agreement with me, has failed to provide proper validation or assignment of debt, and is not licensed to collect debts in South Carolina by law. 

Despite multiple legal obligations under state and federal law, XXXX XXXX XXXX has engaged in the following violations : Violations of Federal Law Fair Debt Collection Practices Act ( FDCPA ) : 15 U.S. Code 1692e : Use of false, deceptive, or misleading representations in connection with the collection of any debt, including the implication that you are legally permitted to collect debts in Virginia.

15 U.S. Code 1692g : Failure to provide proper debt validation, as required within five days of initial communication.

Fair Credit Reporting Act ( FCRA ) : 15 U.S. Code 1681s-2 : Furnishing inaccurate or unverifiable information to credit reporting agencies.

Continued reporting of an unverified tradeline after receiving dispute notices is a violation of your duty to ensure accuracy and correct errors.

Other Legal Concerns Fraudulent Representation & Unjust Enrichment : Attempting to collect money without proper validation constitutes fraudulent intent and a bad-faith effort to profit from an unsubstantiated claim.

DEMAND FOR ACTION Accordingly, I am demanding the following : 1. Immediate cessation of all collection activities related to this alleged debt.

2. Immediate deletion of the tradeline from all credit reporting agencies ( XXXX Experian, XXXX XXXX. 
XXXX. Written confirmation that the account has been closed and will not be sold or reassigned. 

If these demands are not met within 15 days, I will : File complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), South Carolinas Corporation Commission, and the South Carolinas Attorney Generals Office.

Pursue civil and statutory damages under 15 U.S.C. 1692k, 15 U.S.C. 1640, and South Carolina state law.

Initiate binding arbitration or legal proceedings as permitted under federal consumer statutes.

You are now on notice of these violations. Failure to take immediate action will result in further enforcement. 

Sincerely, 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 2025-05-06 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: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Dear Truist Team, I'm reaching out to follow up on the {$400.00} promotional bonus tied to the checking account I opened via your promotional offer page XXXX XXXX XXXX XXXX XXXX, using promo code XXXX. 

The promotion outlined that to receive the {$400.00} bonus, one must open a new checking account using the specified promo code and then receive at least two direct deposits totaling $ XXXX within 120 days. 

I opened my account on XX/XX/XXXX, so the deadline for the required direct deposits was on XX/XX/XXXX. During that timeframe, I received 7 employer direct deposits : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, totalling about $ XXXX, clearly meeting the promotions criteria. 

As stated in the offer terms, the bonus should be issued within four weeks after meeting the requirements. However, as of XX/XX/XXXX, the bonus has not been deposited into my account. 

Just in case I'm attaching the following documentation : a copy of the promotional offer ( I saved it at the time of the account signup ), a welcome email confirming the promo code was successfully applied, which I received on the day of signup, and my XXXX account statements showing those direct deposits. 

Since Ive fulfilled all necessary requirements, I kindly ask you to investigate this issue and process the bonus. Thank you for your time and assistance - I look forward to your response. 

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 monetary relief
Consumer complaint received 2025-05-06 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: NJ

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I was offered a new remote job with company XXXX. Company sent me a check to pay for hardware and software equipment to use in daily work. I went to Bank of America and told them I am not to sure about the check I was going to deposit. The teller ran the check and said it was good to go. I was still uneasy about the check, so I called Bank of America fruad department. The told me the funds are good and there were no issues, so I proceeded to purchase the equipment. Several days later the check bounced, and my account was negative XXXX On XXXX the bank sent via secured message a Scam Victim Acknowledgment form. I sent the form back on the same day to the email address the email came from. I called every day to check if the email had been uploaded. I sent the email XXXX times nothing I was provided another email address on XX/XX/year>. I sent the email to that address then called the form had not been delivered. I had to go to my local bank and fax the form. Finally, the form was delivered. I call the bank to check the status of my claim, and the bank stated that no money could be recovered because the account was closed on XX/XX/year>. The ban has failed me they wasted time with a failed internal workflow that caused delays that allowed the criminals to get away with the money. I am a XXXX veteran, and my XXXX check was taken from me, and I can pay my bills because of this scam. I need help as the bank has failed to protect me from this type of crime. The banks internal polices failed to protect me the consumer

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 2025-05-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
I tried to get my car refinanced through my bank.The first payoff check they sent to Santander over night through XXXXSantander received it the next day which the tracking number shows then the check was lost and then found 30 days later. My bank sent a second payoff check overnight that was altered and made to a females name instead of Santander and account number written under the RE. My bank stopped payment after XXXX showed it as it was delayed. My bank was contacted by the bank that was attempting to deposit the XXXX Cashiers check my bank sent. My account isn't the only instance XXXX XXXX had problems with Santander.

Company response to consumer: Closed with explanation