vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CarMax, Inc.
State: AZ

Complaint narrative:
I am a XXXX on a CarMax Auto Finance loan for XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I am also the primary borrower on a separate loan for a XXXX XXXX XXXX ( XXXX # XXXX ). 

On XX/XX/XXXX, CarMax called me to collect a missed payment on the XXXX loan. I explained that I am not in possession of the vehicle and that the primary borrower is responsible for the payments. Despite this, CarMax continues to treat me as if I am the one who should make the payments. 

I spoke with multiple representatives : XXXX, another female representative whose name I was not given, and XXXX in the XXXX Department. XXXX confirmed that I am listed on the title, but could not explain what rights that gives me. XXXX confirmed that I am a XXXX XXXX, but said I can not reclaim, sell, or surrender the vehicle independently. She also said refinancing would have to be done through a bank, and that voluntary surrender requires possession of the vehicle, which I do not have. 

I asked for clarification of my rights as a XXXX, but CarMax has not provided any written documentation. I was also told that internal call notes and transcripts are not available to customers, leaving me without a record of what was discussed. 

I am very concerned about the impact this situation will have on my credit. The primary borrower is delinquent, and CarMax has confirmed that voluntary surrender or repossession will negatively affect both of us. I need written documentation of my rights and responsibilities, and confirmation of how payments I make will be recorded so I can seek reimbursement from the primary borrower if necessary. 

I have already faxed a formal letter to CarMax requesting this documentation, but they have not provided clear answers. I am filing this complaint because I believe CarMax is failing to properly inform and protect co-signers/co-buyers, and I need regulatory oversight to ensure my credit and legal rights are not unfairly damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
I am filing a complaint regarding inaccurate and unverifiable information being reported by XXXX ( National Credit Adjusters ) on my credit file. XXXX is reporting a collection account for {$700.00} that originated with XXXX, but the reporting is incomplete and misleading under the Fair Credit Reporting Act ( FCRA ). 

The tradeline shows that the account is Open and Placed for Collection but does not show any payment history, date of last payment, delinquency timeline, or charge-off documentation. The reporting of an open collection account without supporting transaction history is incomplete and violates FCRA 623 ( a ) ( 1 ), which prohibits furnishers from reporting information that is not accurate and complete. 

I previously attempted a dispute with the credit bureau, and no documentation was provided from XXXX or XXXX, including : Proof of original contract / signed agreement Full itemized charges and billing statements Date of first delinquency Proof of XXXX legal right to collect or report Instead of providing documentation, the account continued to be reported to the bureau, which violates the reasonable reinvestigation requirement of FCRA 611 ( a ) and verification requirements of FCRA 609 ( a ) ( 1 ). 

Additionally, XXXX is reporting a balance owed while the account status is marked Open. If XXXX purchased the debt, XXXX should not still report ownership. If XXXX still owns the debt, XXXX can not legally report a balance owed without proof of assignment. Reporting both conditions at once is contradictory and misleading. 

I am requesting that XXXX either : ( XXXX ) Provide complete verification with all required documentation, including contractual agreement, full account ledger, and proof of assignment ; or ( XXXX ) Permanently delete the tradeline due to unverifiable, incomplete, and inaccurate reporting. 

I am not disputing whether I may have had a loan in the past ; I am disputing the accuracy and completeness of how XXXX is reporting this information to the credit bureaus, which violates FCRA 609, 611, and 623.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: VT

Complaint narrative:
I received a CashApp debit card in the mail with my full name and correct address which I DID NOT REQUEST. Contacting CashApp support and requesting them to close the fraudulent account resulted in them requesting a large amount of Personal Information which I do not want to provide to them. XXXX Bank directed me back to CashApp support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX XXXX XXXX  XXXX repossessed our XXXX XXXX XXXX. We were not late on any payments we have never been late on any payments and we are not without auto insurance. I have contacted them several times and got in the run around every single time. I've been told things that are not true, I have been told things that are not correct. I was told that our vehicle would be brought back by this XXXX. It obviously was not brought back and we still do not have our vehicle. I want to reiterate that we have never been behind on a payment, not even XXXX, and we have not been without insurance not even XXXX single day. It has been 10 days and they have done absolutely nothing about returning this vehicle to us. This has been a hardship on my family and this is very stressful. Is XXXX will not tell us who got took the vehicle and they will not tell us where the vehicle is being stored so we can go get it ourselves. At this point we don't know what to do. I have not attached any photos to this complaint but I do have proof that we have made our payments in a timely manner and they have been processed by our bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to dispute the following items on my Experian credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$16000.00} XXXX XXXX BANK XXXX XXXX XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$1600.00} XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$6100.00} XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$520.00} XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$77.00} XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$250.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$49.00} XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$82.00} XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$160.00} XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$170.00} XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$13.00} XXXX XXXXXXXX XXXX XXXX, XX/XX/XXXX, {$170.00} XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$39.00} XXXX  XXXX XXXX XXXX, XX/XX/XXXX, {$19.00} [ Inquiries ] XXXX XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX BANK XXXX XX/XX/XXXX XXXX, XX/XX/XXXX [ Late Payments ] XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX STORE, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX BANK 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 2025-11-17 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: MD

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-17 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: TX

Complaint narrative:
This is not a casual complaint. My credit report contains multiple inaccuracies that are plainly incorrect and unverified. These persistent errors have been causing real harm, creating financial and emotional strain during an already difficult period. I review my credit regularly and these issues remain unresolved despite my efforts, which is unacceptable and has had a tangible, negative impact on my life.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a notification from XXXX XXXX stating that an account has been opened under my SS # and name on XX/XX/XXXX. 
Wells Fargo Checking/savings. 

I am disputing this activity.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with 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 2025-11-17 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: Global Lending Services LLC
State: AZ

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( XXXX  ) accessed my credit report without a lawful basis under the Fair Credit Reporting Act ( FCRA ). XXXX placed a hard inquiry on my credit profile even though no credit was approved, offered, or reviewed, and XXXX never became a creditor in any transaction involving me. 

I did not receive : a credit approval, a conditional approval, a funding decision, a contract offer, or any notification that XXXX intended to establish a financial relationship with me. 

This means XXXX had no legitimate reason to obtain my credit file. 

Why XXXX  inquiry is unlawful under the FCRA Under FCRA 15 U.S.C. 1681b, a company may only access a consumers credit report when : XXXX the consumer directly applies for credit with that specific company, XXXX the company is actually evaluating a credit decision, or XXXX the consumer provides written authorization, XXXX or the company is reviewing or collecting an existing account. 

None of those apply here. 

I never applied directly with XXXX. 

XXXX did not process, approve, or fund any credit request. 

XXXX  does not service any loan or account in my name. 

I did NOT give written authorization for them to pull my credit. 

Dealership submissions do not create automatic authorization for every financial institution that receives the application. 
A hard inquiry must be tied to an actual credit decision. 
XXXX did not make XXXX. 

Therefore, the inquiry was not permissible under FCRA. 

FCRA Violated XXXX  actions violate the following provisions : 1681b ( f ) Prohibition on obtaining a report without permissible purpose 1681e ( a ) Duty to follow reasonable procedures 1681n Civil liability for willful violations 1681o Civil liability for negligent violations An inquiry can not be justified if : no credit was offered, no loan was issued, and no ongoing account exists. 

This is exactly what happened here. 

Potential Damages ( not yet being claimed ) Under the FCRA, consumers may recover : {$100.00} {$1000.00} per unauthorized inquiry ( statutory ) Actual damages ( credit score drop, higher interest rates, emotional distress, financial losses ) Punitive damages for willful violations Attorney fees and costs if litigation becomes necessary I am not requesting monetary damages at this time but am reserving that right. 

Requested Resolution I am asking that XXXX XXXX XXXX  XXXX XXXX XXXX Remove the XXXX  hard inquiry from all three credit bureaus Remove it WITH PREJUDICE Provide written confirmation once completed XXXX XXXX This is a simple and fair resolution that corrects the inaccuracy without escalation. 

If XXXX does not correct this, I am prepared to : file with state and federal regulators, open an FCRA demand letter, and pursue additional remedies allowed under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
The fraudulent charge occurred on or about XX/XX/XXXX Amex reversed my valid dispute and reinstated the {$2600.00} charge in XX/XX/XXXX I am the victim of a well-documented XXXX scam by XXXX XXXX XXXX ( XXXX, NY ) XXXX 

On or about XX/XX/XXXX, a telemarketer called me and spent over XXXX hour flattering me and stating that inclusion in their directory was free and merit-based. 

Only at the very end did they switch to high-pressure sales, demanding {$2600.00} for a lifetime membership + plaque and claiming the one-day-only price would expire that night if I didnt give my card immediately. 

I felt coerced and provided my American Express card. The {$2600.00} charge posted the next day. 

I disputed the charge immediately with American Express. 

Amex initially sided with me and reversed the charge, correctly recognizing it as fraud. 
However, after XXXXXXXX XXXX XXXX submitted rebuttal documents ( likely a scripted recording or order form obtained under deception ), Amex reversed their decision and reinstated the full {$2600.00} charge to my account without adequately investigating the merchants long history of identical scams. 

This merchant has : A XXXX XXXX XXXX rating with dozens of complaints describing the exact same XXXX minute flattery sudden {$2600.00} hard-close script Been labeled a XXXX scam by XXXX, XXXX, and hundreds XXXX consumer reports Uses tactics that violate the federal Telemarketing Sales Rule ( 16 CFR 310.3 misrepresentation and artificial urgency ) I have already submitted a detailed appeal to American Express with : A signed affidavit/timeline of the fraudulent call XXXX  complaint screenshots XXXX XXXX XXXX scam article FTC XXXX report # XXXX State Attorney General complaint ( filed XX/XX/XXXX ) American Express is failing in its XXXX XXXX protect cardholders from known fraudulent merchants by siding with XXXXXXXX XXXX XXXX despite overwhelming evidence XXXX deception. 

I request that the CFPB require American Express to : Permanently remove the {$2600.00} charge Issue a full credit to my account Provide a written explanation of why they initially reversed the charge, then reinstated it against clear evidence of fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a dispute regarding inaccurate and incomplete reporting of certain items on my credit report. Below is the detailed account information for the items I am disputing with each of the credit bureaus. I request your immediate attention to these matters and a thorough investigation of the issues raised. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXX Card Dates : XX/XX/XXXX, XX/XX/XXXX Late Payments : XXXX XXXXXXXX XXXX XXXX XXXX Account Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Numbers : 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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I sold my home at XXXX XXXX XXXX, XXXX XXXX CA XXXX. Closing was on XX/XX/year>. The Escrow Company ( XXXX XXXX ) had been instructed to pay off the outstanding loans including the XXXX XXXX mortgage, a PACE loan, a HELOC and an HVAC loan with XXXX XXXX XXXX. Approximately, 30 days after the sale of my home, I was contacted by XXXX XXXX XXXX for payment. " I explained that my home was sold, and they should have received the payoff for the loan for the HVAC ( furnace ). They told me they had not received any payment. 
In the meantime, I was contacted all the parties involved with the sale of my home ( XXXX XXXX XXXX XXXX XXXX  ) to resolve the matter. 
During this short window of time, the XXXX XXXX XXXX  chose to report me to the credit agencies : " as not more than XXXX payments passed due ( XXXX ) with Equifax. This negatively impacted my XXXX XXXX by XXXX points. This is based on Experian, Equifax and Transunion reporting data. XXXX XXXX XXXX XXXX  reporting me has harmed me with this negative and inaccurate accounting. I always paid my account to them. This situation is not my fault, and they should have the decency to understand and work with me. Instead, they have chosen to bring adverse credit reporting against me.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute certain items on my Equifax credit report, which I believe contain inaccuracies. The accounts in question are listed below : [ Charged Off Accounts ] XXXX, XXXX, XX/XX/XXXX, {$27000.00} XXXX, XXXX, XX/XX/XXXX, {$24000.00} XXXX, XXXX, XX/XX/XXXX, {$5300.00} XXXX, XXXX, XX/XX/XXXX, {$480.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$190.00} XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$500.00} XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1300.00} XXXX XXXX, XXXX, XX/XX/XXXX, {$400.00} XXXX, XXXX, XX/XX/XXXX, {$0.00} [ Inquiries ] XXXX, XX/XX/XXXX [ XXXX Payments ] XXXX, XXXX XXXX PM, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Dear Sir/Madam, I am disputing the following accounts listed on my Experian credit report. Below are the details of the accounts that need to be reviewed : Charged Off Accounts : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} XXXX XXXXXXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$4100.00} XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} XXXX  Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$21000.00} Late Payments : XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX 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