vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: NV

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

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 non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: MO

Complaint narrative:
Got tricked into a 30 % interest rate at a XXXX used car dealership. Dealership did not make sure timing belt was changed which resulted in catastrophic engine failure a year after purchase. We actually got two vehicles at this dealership with the same financing company. Both vehicles are down. One may be repairable at a more affordable cost than the other. So we did a voluntary repossession to Westlake financial but they still keep calling me. I dont even have a job because partly because of this vehicle loss. Ive explained to them every which way that I can not pay them, but they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I am filing a complaint regarding a line of credit I opened with CashNetUSA on XX/XX/year>. This was originally for {$1700.00}, but because it was a revolving line of credit, I was allowed to re-borrow amounts as I paid it down. In total, I have borrowed approximately {$4100.00} through this line of credit. 

Despite borrowing {$4100.00}, I have now paid {$10000.00} toward this loan more than double what I borrowed and CashNetUSA is still claiming I owe an additional {$2500.00}. This loan carries an APR of 325 %, which I consider predatory and an example of a cycle of debt. 

I have repeatedly requested that CashNetUSA waive the remaining balance or settle the account fairly given how much I have already repaid. They refuse to do so. 

Additionally, I have requested a complete payment history multiple times to verify the amounts I borrowed and repaid. Their website does not allow me to see all payments since the loan began, and they have refused to provide this documentation. Without this, I can not confirm the accuracy of their balance or charges. 

I am requesting that the CFPB investigate this matter and assist me in having the account waived or marked paid in full, given that I have already paid far more than the total borrowed. 

I have attached their most recent email response, which restates their contract terms but does not address my concerns about predatory interest, overpayment, or missing payment records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-06 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
There is fraudulent and inaccurate information on my credit report. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have been put into collections by Midland Credit Management, and I dispute the validity of the debt. I have previously requested debt validation by MCM and they have never provided any such proof or information.

I dispute the validity of this alleged debt MCM has placed in collections against me. I have received no prior notice or communication, no account number, and no details about this debt, and I have no knowledge of it. Their failure to provide written notice within five days of initial contact, as required by 15 U.S.C. 1692g ( a ), violates the Fair Debt Collection Practices Act ( FDCPA ). As a result, the 30-day dispute window never commenced, and their collection efforts, including any reporting to credit bureaus, are unlawful. Additionally, reporting an unverified debt violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ).

Midland Credit Management has listed themselves as the original creditor, which I believe is false, as MCM is a debt collection agency, not an original creditor. This misrepresentation violates 15 U.S.C. 1692e. I demand immediate removal
of this account from my credit reports with Equifax, TransUnion, and Experian due to these violations and their failure to provide any debt details.

Such as : 1. The name and address of the actual original creditor.

2. Documentation proving I owe this debt, including the original contract and account statements.

3. Proof of their legal authority to collect this debt, including the chain of assignment from the original creditor.

4. The date of first delinquency to determine if this debt is time-barred.

5. A detailed breakdown of the amount claimed, including principal, interest, and fees.

6. The account number associated with this debt, as none has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
I reviewed my Equifax credit report and found inquiries that do not belong to me. I have attached the inquiries along with the required documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following inquiries appear on my credit report and are unauthorized : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TRANSUNION XXXXXXXX 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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I request the immediate removal of this late payment from my account, as it does not accurately reflect my payment history. I have always made payments on time, and this incorrect entry is unfair. Please update my account accordingly.

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 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
XXXX XXXX was removed from my credit report months ago after I submitted a dispute but has reappeared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am submitting this complaint against the XXXX major credit bureausExperian, Equifax, and XXXX ongoing, systemic violations of the Fair Credit Reporting Act ( FCRA ) and failure to comply with XXXX XXXX Format and XXXX industry standards. 

Despite submitting multiple disputes concerning inaccurate, unverifiable, and/or outdated negative items on my credit reports, the credit bureaus have consistently responded with vague verified as accurate outcomeswithout producing a single shred of documentary evidence or conducting a lawful investigation as required under 15 U.S.C. 1681i ( a ).

Instead, they rely on the deeply flawed and automated e-OSCAR system, which merely forwards dispute codes to furnishers and accepts their response without independent verification. This practice has been widely criticized by the CFPB and ruled inadequate in court.

Violations and Legal Basis : The following violations form the basis of this complaint : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnisher failure to correct or delete disputed information XXXX XXXX and CDIA Guidelines XXXX XXXX XXXX with reporting format and data integrity standards Further, the credit bureaus use of e-OSCAR has been ruled insufficient in legal precedent : " A credit reporting agency XXXX not rely blindly on the [ furnisher 's ] investigation. The agency has an obligation to conduct a reasonable investigation itself. '' XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) XXXX XXXX  Account Number XXXX Balance : {$0.00} Open Date XX/XX/XXXX XXXX  XXXX Account Number XXXX Balance : {$230.00} Open Date XX/XX/XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX These harms are measurable, preventable, and attributable to willful negligence and disregard of consumer protection law. 

Relief Requested : I am requesting that the Consumer Financial Protection Bureau take appropriate supervisory or enforcement action and require Experian, Equifax, and TransUnion to : Immediately delete all negative items previously disputed that can not be verified with complete documentation Cease reporting unverifiable data and require original source validation for all disputes Re-review investigation procedures and prohibit reliance solely on e-OSCAR as a substitute for human reinvestigation Certify in writing that corrective actions have been taken and notify all furnishers and third-party users of the updated information

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 2025-08-06 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: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX CARD XX/XX/XXXX, XXXX BANK XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX These XXXX have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I hope XXXX XXXX, Executive Director and Market Director of Banking at JPMorgan Chase in XXXX XXXX ( XXXX XXXX XXXX area ), sees this and reads all the negative reviews ( Mostly on XXXX ) about this branch, and takes action. I had a scheduled meeting with XXXX XXXX at this branch to open a business account, and from the moment I arrived, I felt disrespected and looked down on. When I politely said, Please dont look down on me, she got visibly angry, took it personally, and decided not to help me anymore. Her energy became so hostile that it honestly felt like she was about to hit me. 

I then asked to speak with her supervisor, XXXX XXXX, and things got even worse. I asked where I could leave a review or speak with someone above her, and she told me that doing so would damage her reputation and personal image. I made it very clear that I was only planning to review XXXX behavior, not XXXX. But XXXX responded by threatening to call the police on me for simply wanting to speak up. She said, Okay, if you want to make this personal, Ill call the police on you. Honestly, this is completely unacceptable behavior from a branch manager. I dont believe someone in her position should take things personally. This was not, and is not, personal for me. Im simply requesting justice and asking that someone take action regarding their behavior and how they represent Chase at the branch level. 

I was shocked. I asked, What am I doing wrong? She picked up the phone and started calling, so I began recording because this is ILLEGAL. This is intimidation and retaliation. I have the right to speak up. We all do. 

I called Chase to file a formal claim. Shortly after, my accounts were closed without explanation. 

Ive always paid on time, handled my business correctly, and been a loyal client. I pray this gets seen by the right people at Chase. This kind of abuse of power by XXXX and XXXX should never be allowed. 

This entire situation feels like discrimination and targeted mistreatment. As a result, Ive been left feeling distressed, humiliated, and emotionally affected by how I was treated. Moreover, the branch manager 's actions including threats and unprofessional behavior come across as retaliatory and even extortionate, simply because I stood up for myself and requested fair treatment. I believe this goes beyond a simple misunderstanding and deserves immediate attention and investigation. 
No one is above the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my frustration regarding the mishandling of a fraud dispute on my account and the continued delays in issuing a temporary credit. 

After losing my debit card, I contacted customer service to report several unauthorized transactions. The representative informed me that due to the different types of charges, the disputes would need to be filed separately. While she successfully filed one batch, she failed to include the second batch which contained two significant fraudulent charges over {$470.00} each. I was unaware of this oversight until I followed up on XX/XX/year>. 

At that time, a supervisor told me the missing claims were escalated and that I should see a temporary credit within 48 hours. I waited through the weekend until Monday, XX/XX/year>. When I called again that morning, I spoke with a representative named XXXX, who told me that not much gets processed in the office on Fridays, which is why I hadnt seen the credit yet. She stated that after speaking with her supervisor, they were able to escalate and push the funds through, and I should see the credit in my account by XXXX XXXX  that day. 

By XXXXXXXX XXXX there was still nothing. I followed up again around XXXX XXXX, only to be told by another supervisor that the entire claim had been closed. I was not notified, nor did I authorize this. He acknowledged all the notes on the account, apologized, and reopened the claims with another escalation again promising the credit within 48 hours. 

As of now, I have still not received the funds. I feel like I am being strung along with empty promises and inconsistent information, all while being left without access to funds that were stolen from me. I rely on this account for business-related payroll, and the lack of urgency and transparency is unacceptable. 

I am requesting immediate resolution and issuance of the temporary credit for the missing disputed transactions. I am also requesting that this matter be formally reviewed, and appropriate steps be taken to ensure better handling of fraud claims for future customers. 

Thank you for your attention to this matter.

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 2025-08-06 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: TX

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 non-monetary relief
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Transunion did not conduct a proper reinvestigation of my dispute as required under the FCRA. Their response was frivolous and dismissive.

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