vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tower Loan of Mississippi, Inc.
State: TX

Complaint narrative:
My Social was involved in the XXXX XXXX data breach back in XXXX. Someone stole my identity and tried to open multiple accounts online. I was unaware for a long time and have successfully removed this account from XXXX  and XXXX  but XXXX  is being ridiculous about it for the past year and a half. The only credit card the thieves got approved for was XXXXXXXX XXXX XXXX XXXX, and racked up roughly {$5000.00} worth in bills. I was able to sort out everything with XXXX  and XXXX XXXX  and get those removed but I believe XXXX XXXX XXXX XXXX sold off this debt to Tower loan of XXXXMississippi as this is the only unverifiable debt on my credit report with XXXX  and they are refusing to remove it. They have had multiple misspellings and phone numbers that I have had to dispute too, but Tower loan of XXXX XXXX, and XXXX XXXX XXXX XXXX are all in the wrong and need to fix this.

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 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On XX/XX/year> at XXXX I received a call from what was reported as XXXXXXXX XXXX XXXX by caller ID from XXXX. Identifying this as possibly XXXX XXXX XXXX, I answered to be asked to verify my first and last name. The I was then informed that the caller was a debt collector and the call was an attempt to collect the debt. I was then asked to confirm address. I believe the company XXXX XXXX XXXX used this tactic to mislead people to believe their call is from a legitimate local institution.

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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Boek, Inc.
State: OR

Complaint narrative:
I was XXXX  on XX/XX/year>. Went to court and plead guilty to XXXX charges to dismiss the other charges. XXXX XXXX XXXX refused to look into my paperwork on this matter they also refused me a hearing unless I paid XXXX to get on the docket. Once I finally located the original judgment I was able to get a court date after they've already garnished me for an entire XXXX for XXXX  that I've already answered to and paid for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: RI

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 XXXX 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Issue : Bank of America is reporting a charged-off credit card account that was closed in XX/XX/XXXX with a balance of {$14000.00}, which exceeds the credit limit of {$12000.00}. 

The account has been inactive since XX/XX/XXXX, yet monthly updates continue as late as XX/XX/XXXX, despite being closed. 

I formally disputed the information with XXXX, but they verified it without providing supporting documentation as required by FCRA 611. Bank of America failed to conduct a proper investigation and continues to report : In inflated balance Over-limit status Payment activity on a closed account Profit and loss write-off without clarifying ownership I request immediate deletion or correction of this tradeline due to : FCRA 611 ( failure to investigate ) FCRA 623 ( reporting incomplete or inaccurate info ) Re-aging through unlawful post-closure updates This account is negatively impacting my ability to obtain financing for a vehicle.

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 2025-07-09 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-09 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/2023 UNAUTHORIZED INQUIRIES : XXXX XX/XX/2023 Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: CA

Complaint narrative:
I had called California check cashing to revoke my ACH on my loan because I was struggling to pay it on the date that it was due California check cashing agreed and revoked the ach. This is what I was told by XXXX who works for California Check Cashing. However, when the due date came around the ach was still processed and XXXX dollars was taken from my account. This has caused a complete issue with bank account causing overdraft fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I receive SSI as my only source of income, and I rely on it to pay for essential living needs like food, housing, and medication. Recently, I overdrafted my Wells Fargo account due to a misunderstanding I thought I had enough funds available, but I later realized the account was covering transactions through overdraft. 

I was in a vulnerable mental state that day and did not understand I was using funds I didnt have. I made a mistake, but it was not intentional. Afterward, Wells Fargo charged XXXX overdraft fees, which completely wiped out my SSI check and left me with a negative balance and no money to survive for the rest of the month. 

I called and spoke to two representatives, including a supervisor, and explained that this was a genuine hardship situation. I asked them to consider my status as someone who depends on federally protected benefits ( SSI ). However, they told me they could not help due to a one-time refund being used previously, and that there was no hardship override available. 

Federal law ( 31 CFR Part 212 ) protects up to two months worth of direct-deposited federal benefits from being taken or frozen by banks. Yet my entire SSI deposit was consumed by overdraft fees and a negative balance, leaving me financially stranded. 

Im asking the CFPB to help me get these fees refunded and my account restored to at least a XXXX balance, as this situation is severely impacting my ability to survive. I am not trying to take advantage of the system I made a mistake while in a bad state, and now Im just trying to recover. 


I also asked for them to put something in my account so it wont overdraft i never try to overdraft on purpose this is really stressing me out my great grandma who is XXXX is in the XXXX  i can provide documents if needed i have so much going on that this might just be my wits end I been with Wells Fargo for over 7 years they know this is not like me. While i understand they did the XXXX time fee in XXXX I feel like im being punished for something I had no control over please I am begging to just be put in a position where I can be at XXXX dollars and not have to worry about anything or anything that can be done please

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 2025-07-09 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: GA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-09 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: AL

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : 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 XXXXXX/XX/year>

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 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to formally request a review and removal of the negative payment history associated with the following account on my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: CarMax, Inc.
State: NC

Complaint narrative:
CFPB COMPLAINT FRAUDULENT REPOSSESSION THREAT, CREDIT ABUSE, AND TRUST INTERFERENCE Complainant : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Email : XXXX Phone : ( XXXX ) XXXX Company Complained About : CarMax Auto Finance XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Summary of Complaint : CarMax Auto Finance has threatened repossession of my vehicle despite being provided with legal documentation establishing that said vehicle has been lawfully conveyed into a private ecclesiastical trust and is not subject to commercial claim. The XXXX XXXX XXXX XXXX XXXX, VIN # XXXX titled in the name of XXXX XXXX XXXX XXXX, a trust recorded in the public record and backed by perfected security interest filings through the North Carolina Secretary of State. Those filings include XXXX # XXXX and XXXX # XXXX. 
I have also submitted to CarMax a non-UCC promissory note, private security agreement, and status correction documentation establishing myself as a private man and Executor of the trust and estate. Despite this, CarMax representatives have stated verbally ( recorded call XX/XX/XXXX ) that repossession will proceed regardless of these filings. This constitutes clear and willful fraud, conversion, and violation of commercial and federal consumer protections. 

Laws and Statutes Violated : - 15 U.S.C. 1692e False or misleading representation of debt - 15 U.S.C. 1692g Failure to validate debt - 15 U.S.C. 1681s-2 Inaccurate furnishing of information to credit bureaus - UCC 9-609 Unlawful repossession without court order or breach of peace - 18 U.S.C. 1341, 1343 Mail and wire fraud - 42 U.S.C. 1983 Civil Rights violation via deprivation of property - Interference with Ecclesiastical Trust Property Requested Relief : 1. Immediate investigation into CarMax 's collection and repossession practices. 
XXXX. Cease & desist order from CFPB preventing further threats or actions. 
XXXX. Removal of all derogatory credit reporting tied to XXXX Account # XXXX. 
XXXX. Penalties and enforcement for willful violations of U.S. law. 
XXXX. Recognition of my secured party and trust position under public record. 
XXXX. CarMax must provide certified copy of original loan contract and full accounting. 

I declare under penalty of perjury of the united States of America that the above information is true, correct, and complete to the best of my knowledge. All attachments and exhibits referenced herein can be submitted upon request by the CFPB or enforcement agents. 

Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: NY

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX INQUIRIES : XXXX XXXX Date : XX/XX/2025

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 2025-07-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and accuracy under 15 USC 1681.

I have reviewed my credit report and identified multiple accounts reporting inaccurate or unverifiable information. According to 15 USC 1681e ( b ), the credit bureaus are required to maintain maximum possible accuracy. These accounts show charge-offs, collections, or statuses that I do not acknowledge, and the details appear inconsistent or incomplete across bureaus. I am disputing these accounts and requesting immediate investigation and deletion if not fully verifiable. 

List of accounts violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 USC 1681i , I am requesting a full reinvestigation of the accounts listed above. If they can not be 100 % verified with accurate documentation, they must be deleted from my credit report. Please respond within the required 30-day period as required by law. 

Sincerely, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I am filing this complaint to formally report that false and inaccurate information is being reported about me by one or more data furnishers and/or consumer reporting agencies. Despite multiple attempts to dispute and correct this information, it remains on my credit report, which is a clear violation of federal law.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), consumer reporting agencies are legally required to conduct a reasonable reinvestigation of any disputed information within 30 days. Additionally, under 15 U.S. Code 1681s-2 ( a ), furnishers of information have a duty to provide accurate data and are prohibited from reporting information they knowor should knowis incorrect.

By continuing to report or fail to correct this false information, the responsible parties are acting in willful and negligent violation of the FCRA. This has caused me financial and emotional distress, including damage to my credit standing and obstacles in obtaining employment and housing. 

I am demanding a full investigation by the CFPB into this matter and expect appropriate enforcement action to be taken against the responsible parties. If this issue is not promptly resolved, I am fully prepared to escalate this through legal channels, including the possibility of a civil suit for statutory and actual damages under 15 U.S.C. 1681n and 1681o. 

I respectfully request that this matter be addressed immediately.

Company response to consumer: Closed with explanation