vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CLGF Holdco 1, LLC
State: MI

Complaint narrative:
XXXX XXXX, XXXX, and XXXX is reporting several accounts that are incorrect and do not belong to me. The accounts are a result of identity theft. I called XXXX XXXX and the social security number and the birthdate is incorrect. 

XXXX XXXX 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 To whom it may concern, I am writing to to make you aware that I have been a victim of identity theft and am not responsible for the following accounts ; XXXX XXXX XXXX XXXX I am demanding deletion of this item from my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit for this case. 

Best Regards XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I asked Caine & Weiner to provide verifiable proof of the original consumer contract with my signature to validate the debt, but they failed to do so. Because of this, I stated that the account is unverified and should not be reported to the credit bureaus under the Fair Credit Reporting Act. I also made it clear that I do not give permission for my personal information to be sold, shared, or transferred without my written consent, and I requested written confirmation that my data will remain confidential. I let them know that I am documenting all communications and, if the issue is not resolved, I may file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general, and consider legal action under the FDCPA. Lastly, I instructed them not to sell or transfer the debt while it is being disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX  for multiple, serious violations of the Fair Credit Reporting Act ( FCRA ), specifically involving illegal re-aging and inaccurate reporting across all three credit bureaus. 

XXXX. Illegal Re-Aging FCRA 605 ( a ) ( 4 ) : The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. However, the creditor is reporting a Date of First Delinquency ( DOFD ) as XX/XX/XXXX and a Date Reported as XX/XX/XXXX. These updates reset the reporting period to make the account appear newer, violating FCRA 605 ( a ) ( 4 ), which prohibits reporting more than 7 years after the original delinquency date.

2. Inconsistent and Inaccurate Reporting FCRA 1681s-2 ( a ) : Each credit bureau is reporting different dates and account ages. The same account appears to be XXXX XXXX XXXX on one bureau and older on another, which proves the data is being manipulated and reported inaccurately. This is a direct violation of FCRA 1681s-2 ( a ), which requires furnishers to report accurate and consistent information. 

XXXX. False Verification and Data Manipulation : Despite disputes, the account keeps coming back as verified because XXXX is continuously updating the reported dates, making the information appear fresh to avoid the XXXX reporting limit. This is deceptive and in direct violation of FCRA and consumer rights. 

4. Over-the-Limit Reporting FCRA 607 ( b ) : The credit limit is {$3800.00}, yet the high balance is reported as {$6500.00}. I never authorized charges above the limit. This is inaccurate and harmful to my credit, violating the FCRAs requirement to report data with maximum accuracy.

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 2025-07-03 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: NJ

Complaint narrative:
I am filing this complaint against XXXXXXXX XXXX XXXX  for multiple, serious violations of the Fair Credit Reporting Act ( FCRA ), specifically involving illegal re-aging and inaccurate reporting across all three credit bureaus. 

XXXX. Illegal Re-Aging FCRA 605 ( a ) ( 4 ) : The account was opened on XX/XX/XXXX and closed on XX/XX/XXXX. However, the creditor is reporting a Date of First Delinquency ( DOFD ) as XX/XX/XXXX and a Date Reported as XX/XX/XXXX. These updates reset the reporting period to make the account appear newer, violating FCRA 605 ( a ) ( 4 ), which prohibits reporting more than 7 years after the original delinquency date.

2. Inconsistent and Inaccurate Reporting FCRA 1681s-2 ( a ) : Each credit bureau is reporting different dates and account ages. The same account appears to be XXXX XXXX XXXX on one bureau and older on another, which proves the data is being manipulated and reported inaccurately. This is a direct violation of FCRA 1681s-2 ( a ), which requires furnishers to report accurate and consistent information. 

XXXX. False Verification and Data Manipulation : Despite disputes, the account keeps coming back as verified because XXXX is continuously updating the reported dates, making the information appear fresh to avoid the XXXX reporting limit. This is deceptive and in direct violation of FCRA and consumer rights. 

4. Over-the-Limit Reporting FCRA 607 ( b ) : The credit limit is {$3800.00}, yet the high balance is reported as {$6500.00}. I never authorized charges above the limit. This is inaccurate and harmful to my credit, violating the FCRAs requirement to report data with maximum accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
This complaint is in reference to CFPB Case No. XXXX and the attached response from Comenity Capital Bank dated XX/XX/year>. 
Capital Banks letter admits that the account was transferred and sold to XXXX XXXX XXXX. However, the bank : 1.Disclosed account and debt information to third parties in violation of 15 USC 1692b ( 2 ). 
2.Shared my private account details and personal data with XXXX XXXX XXXX without lawful consent or proper notice, violating 15 USC 6802 ( GLBA ).

3.Used coercive language regarding charge-off and debt transfer, which may constitute extortionate credit collection under 18 USC 894.

4.Used a misleading business name or passed the account to a third party in a manner inconsistent with clear creditor identification, violating 15 USC 1692e ( 14 ). 
The response also fails to address or acknowledge these legal violations and appears to attempt to deflect responsibility onto another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
I was roughly denied at age XXXX. I was XXXX  They took advantage of my credit. I was called the police on to be removed from the store because I was trying to understand why my car was being taken if I paid my car notes on time they were very strict if I missed one payment, I believe they were trying to ruin my credit. I was being discriminated upon. I was in a mental distress for very many years, it took me till now almost 5 years later to try and get this removed from my credit. They told me that they would mess up my credit and threatened me and no one would help me everyone at that dealership was unprofessional and evil please get this removed off my credit and give me back my good credit that I had before this car I could also get a police report and take this to court if needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CHARLES SCHWAB CORPORATION, THE
State: VA

Complaint narrative:
My card number was compromised during XXXX and I had called to dispute many transactions. I had also mentioned to add the company " tradeify '' which was never done. I called back and had to dispute it on a different dispute later which wasted valuable time. The dispute number is XXXX. I have tried to reach tradeify but the number seems to be a fake number and I have reached out to Schwab to either close the case and return money or give immediate provisional credit. I have called three times and have not gotten a resolution to the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: CA

Complaint narrative:
I took out, what I thought and was told in writing, was a debt consolidation loan with BHG Financial in XX/XX/XXXX. The loan turned out to be a business loan. I have never owned a business. I paid about {$2900.00} in insurance if the loan were to default. I contacted XXXX XXXX XXXX and included BHG in XXXX. XXXX XXXX XXXX could not include BHG because it was a business account. I contacted BHG and said they placed me in the wrong loan. They said, " So what? '' I was liable for this loan. BHG committed fraud with bait-and-switch tactics and did not disclose the fees and type of loan they approved me for. I have emails of me sending the payoff amounts of creditors, the loan proceeds were used for, and correspondence that I had 10 days to submit their payoffs with the loan proceeds. They have filed suit on a fraudulent loan in which I was told the $ XXXX fee listed on my loan document was in case the loan was in default. I have not been formally served that I am being sued. I received correspondence from an attorney stating I am via email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). 

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-03 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: GA

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 2025-07-03 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: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MI

Complaint narrative:
The consumer agencies refuse to remove accounts that do NOT belong to me. There are several accounts that I did not open or given oral authorization to be opened. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are a result of identity theft and should not be included in my consumer report. I have consistently maintained that I did not open these accounts and did not authorize these accounts to be opened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CT

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 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 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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
2 fraudulent charges were made to my Wells Fargo credit card on XX/XX/year> and XX/XX/year>, both from websites I've never heard of. I reported the charges immediately. Wells Fargo initially removed both charges. Then on XX/XX/year>, Wells added one charge for {$730.00} back onto my account without notifying me. I noticed the charge and reported it to Wells on XX/XX/year> and filed a complaint. My case was escalated to Wells ' Executive Complaints Management Office. I discussed the unresolved fraudulent charge with the Wells Case Specialist on XX/XX/year>. She said she would look into it and follow up with me ; she never followed up. I called again on XX/XX/year>, Wells said they would look into it and that a Sr. Escalation Mgr. would follow up with me ; he never called. I called again on XX/XX/year>. They said they had sent a letter to me stating that their research concluded that they could not remove the charge but would not tell me why. I expressed my extreme frustration that I have no knowledge of this charge or the website involved, Wells has refused to tell me what was purchased, by who, where the purchase shipped to, or how this purchase in any way pertains to me. Zero help from Wells Fargo. Likewise, I communicated that Wells has not followed up with me, has not tried to help me resolve this clearly fraudulent charge, that I've had to call back repeatedly to follow up, that Wells Fargo has not stepped up to advocate for and protect their own customers from clear fraud, and that this has been a truly exhausting, frustrating, and helpless feeling situation to deal with this giant blackhole of a company that protects fraudsters and refuses to help and protect their own customers. This is clear incompetence, total lack of customer advocacy, support, and protection. Just a truly horrible situation to deal with and still unresolved. Wells just sends you from to department to department and tells you to fill out new forms that don't result in issue resolution. No one at Wells has stepped up to help us and get this insane issue resolved. Why in the world would anyone do business with Wells Fargo?? When a simple issue comes up, they simply refuse to step up and help and protect their customers.

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 2025-07-03 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: MD

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-07-03 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: FL

Complaint narrative:
I always pay my bills on time, I know this for sure. I dont understand why this company says I paid late in some months. According to USC 1666b, any billing mistake should be fixed and marked as paid on time.

I demand the late payment reported to be removed/updated.

This was clearly a billing error made my the company and is not a reflection of my payment experience.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

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 2025-07-03 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: TX

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: OH

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