vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/year>, at XXXXXXXX XXXX XXXXXXXX, I received a fraudulent transaction text alert form Wells Fargo asking if I authorized a {$20.00} debit to " XXXX XXXX '' on my card. I immediately replied " No '' and called Wells Fargo within XXXX minutes to report the fraud. 

During that call, I discovered XXXX back-to-back unauthorized transactions the day of, on real time for {$20.00} each to various " XXXX  '' merchants, totaling {$520.00}. the transaction Wells Fargo alerted me about was the XXXX attempt, which the bank had declined. I informed the representative of all XXXX fraudulent transactions. The representative cancelled my card, initiated a fraud claim ( claim # XXXX ) On XX/XX/year>, I received a notification that Wells Fargo had closed my claim denying the refund and stating, " an error did not occur '' and there were " no fraudulent indicators '' I called the claims department immediately on XX/XX/year> at approximately XXXX XXXX  to appeal the decision and find out why they denied my claim. I argued that the text alert from Wells Fargo 's own system was definitive proof of a fraudulent indicator. The representative refused my appeal, stating there was no appeals process and nothing else they can do. He then insisted I must contact the merchant directly to resolve the issue and provided a phone number XXXX. 

I attempted to call the provided number and found it to be non-working, which confirms the merchant was fraudulent. It is my understanding that placing the burden on the customer to contact a fraudulent merchant is not a valid investigation under Regulation E. 

The bank 's actions are contradictory : their systems detected the fraud and alerted me, yet the claims department denied the claim exists. I have exhausted all stand channels to resolve this in good faith. I am seeking a full refund of the {$520.00} taken via unauthorized transactions, which the bank initially recognized as 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 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing a complaint against XXXX XXXX / XXXX, as well as Experian, Equifax, and TransUnion, for inaccurately reporting an account that was opened while I was in an active XXXX  XXXX bankruptcy. 

Details of the Issue : The XXXX XXXX / XXXX account ( XXXX ) was opened on XX/XX/XXXX, while I was in an active XXXX  XXXX bankruptcy ( Case No. XXXX, XXXX XXXXXXXX XXXX XXXX ) . 

Under 11 U.S.C. 364, creditors are required to obtain Bankruptcy Court approval before extending post-petition credit. XXXX XXXX XXXX never obtained this approval. 

Additionally, XXXX XXXX XXXX failed to perform a PACER bankruptcy check before approving me for this account. Had they checked PACER, they would have known I was under the protection of the Bankruptcy Court and not eligible for new credit without trustee/court authorization. 

My bankruptcy was filed on XX/XX/XXXX, confirmed on XX/XX/XXXX, and successfully completed/discharged on XX/XX/XXXX. 

Despite this, Experian, Equifax, and TransUnion continue to report this account as Closed. {$350.00} Written Off ( with a {$200.00} credit limit and {$350.00} highest balance ) as of XX/XX/XXXX. 

Why This Is Inaccurate : The account was extended without proper court approval during my XXXX XXXX bankruptcy. 

XXXX / XXXX failed in their duty to check PACER bankruptcy records prior to extending credit. 

Reporting this tradeline as a valid charged-off account is misleading and violates the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 ). 

I have disputed this account with the credit bureaus, but they failed to remove it and did not conduct a reasonable reinvestigation as required under FCRA 611. 

Proof : Experian credit report showing the XXXX / XXXX tradeline and charge-off status ( enclosed ). 

Dispute records with Transunion, Experian and Equifax. 

XXXX XXXX XXXX bankruptcy records proving my XXXX  XXXX filing, plan, and discharge. 

Requested Resolution : Delete the XXXX XXXX / XXXX account ( XXXX ) from my Experian, Equifax, and TransUnion XXXX files. 

Provide written confirmation of the deletion. 

Ensure the account is not reinserted without proper notice under FCRA XXXX ( a ) ( XXXX ) ( B ).

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 2025-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  XXXX accounts that were previously deleted were illegally reinserted on my credit reports without the required notice under FCRA 611 ( a ) ( 5 ) ( B ). I never received correspondence or disclosure of the methods used to verify these accounts. The accounts are being inaccurately reported as Collection/Chargeoff while simultaneously carrying active balances and inflated utilization percentages over 120 %, which is misleading and unlawful under FCRA 623 ( a ) ( 1 ) ( A ). No proper validation has ever been provided, only parroting of unverifiable data, in violation of FCRA 611 ( a ) ( 1 ), and the CRAs have failed to supply the required methods of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Additionally, my rights under FCRA 605B ( 4-day block and delete ) were ignored despite clear disputes. I am demanding permanent deletion of these tradelines, full compliance with FCRA, and written confirmation that they will not be reinserted without lawful notice.

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 2025-08-31 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX  XXXX accounts that were previously deleted were illegally reinserted on my credit reports without the required notice under FCRA 611 ( a ) ( 5 ) ( B ). I never received correspondence or disclosure of the methods used to verify these accounts. The accounts are being inaccurately reported as Collection/Chargeoff while simultaneously carrying active balances and inflated utilization percentages over 120 %, which is misleading and unlawful under FCRA 623 ( a ) ( 1 ) ( A ). No proper validation has ever been provided, only parroting of unverifiable data, in violation of FCRA 611 ( a ) ( 1 ), and the CRAs have failed to supply the required methods of verification under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). Additionally, my rights under FCRA 605B ( 4-day block and delete ) were ignored despite clear disputes. I am demanding permanent deletion of these tradelines, full compliance with FCRA, and written confirmation that they will not be reinserted without lawful notice.

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 2025-08-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: VA

Complaint narrative:
Yes I have been going through this for years I have had to file reports for fraud for capital XXXX and XXXX XXXX XXXX and now this is for XXXX XXXX XXXX again I know its fraud because every time this has happened its says XXXX and my name is XXXX so this is not my account and I have no service through XXXX XXXX XXXX Im through XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX TO : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand to Block and Remove Unauthorized Hard Inquiries Pursuant to FCRA Section 605B / 15 U.S.C. 1681c-2 To Whom It May Concern : I am writing to formally dispute and demand the immediate removal and permanent blocking of the following unauthorized hard inquiries on my credit file, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, also known as Section 605B. 

The following inquiries were not authorized by me, and I have strong reason to believe they are the result of identity theft or fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Pursuant to FCRA Section 605B , you are required to block and remove any information resulting from identity theft within four ( 4 ) business days of receiving a request, proper identification, and a report of identity theft. 

Please be advised : I am exercising my right under federal law to have these inquiries removed. 

You are legally obligated to act within 4 business days under 15 U.S.C. 1681c-2.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and, if necessary, legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Enclosed Documents ( as required ) : A copy of my government-issued photo ID A recent utility bill or bank statement showing my current address A copy of a police report or FTC Identity Theft Affidavit ( filed via www.identitytheft.gov ) I demand written confirmation within 7 calendar days that these inquiries have been permanently removed and blocked from my credit file. 

Sincerely, XXXX XXXX XXXX ( last 4 digits ) : XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-31 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/XXXX TO : TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX Subject : Formal Demand to Block and Remove Unauthorized Hard Inquiries Pursuant to FCRA Section 605B / 15 U.S.C. 1681c-2 To Whom It May Concern : I am writing to formally dispute and demand the immediate removal and permanent blocking of the following unauthorized hard inquiries on my credit file, as allowed under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, also known as Section 605B. 

The following inquiries were not authorized by me, and I have strong reason to believe they are the result of identity theft or fraudulent activity : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Pursuant to FCRA Section 605B , you are required to block and remove any information resulting from identity theft within four ( 4 ) business days of receiving a request, proper identification, and a report of identity theft. 

Please be advised : I am exercising my right under federal law to have these inquiries removed. 

You are legally obligated to act within 4 business days under 15 U.S.C. 1681c-2.

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and, if necessary, legal action under 15 U.S.C. 1681n and 1681o for willful or negligent noncompliance. 

Enclosed Documents ( as required ) : A copy of my government-issued photo ID A recent utility bill or bank statement showing my current address A copy of a police report or FTC Identity Theft Affidavit ( filed via www.identitytheft.gov ) I demand written confirmation within 7 calendar days that these inquiries have been permanently removed and blocked from my credit file. 

Sincerely, XXXX XXXX XXXX ( last 4 digits ) : XXXX XXXX : XX/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 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX XXXX XXXX XXXXXXXX, which is reporting a fraudulent and unverifiable account on my consumer credit file. 

Creditor/Agency Name XXXX XXXX Amount Reported : {$2800.00} Status Reported : Closed Credit Bureaus Reporting : TransUnion ( and potentially XXXX ) This account is not mine and has not been validated in compliance with federal law. I have disputed this account with the credit bureaus and submitted an identity theft report, government-issued identification, and proof of address. Despite these disputes, the account continues to appear on my credit file. 

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires consumer reporting agencies to block and delete fraudulent accounts within 4 business days when an identity theft report is submitted.

FCRA 15 U.S.C. 1681i : Requires a reasonable investigation of disputed information within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits the furnishing of false, deceptive, or misleading information regarding a debt. 

By allowing this account to remain, XXXX and the credit bureaus are in violation of federal law. 

Requested Relief : Immediate blocking and deletion of this account from all credit reports.

Written confirmation of deletion provided to me.

Enforcement action against XXXX for violations of the FCRA and FDCPA.

This account is fraudulent, unverifiable, and is causing ongoing damage to my credit profile. I request CFPB enforcement to ensure compliance and removal.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: CA

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from CarMax, financed through CarMax Auto Finance. As part of the transaction, I signed paperwork that included a refund amount due back to me. That refund was never provided. Instead, CarMax appears to have applied my funds to what I can only describe as a phantom loan that does not exist on my records. 

When I asked CarMax to explain where my money went, they failed to provide a clear answer or documentation. The result is that money that should have been refunded to me was diverted without my authorization or explanation. 

I believe this constitutes misapplication of funds and unfair or deceptive financial practices. I am requesting that the CFPB investigate whether CarMax is systematically applying consumer refunds to internal accounts or loans that customers never agreed to. 

Consumers deserve transparency and accountability, and I hope my experience helps prevent this from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: NC

Complaint narrative:
Radius Global Solutions LLC XXXX XXXX, XXXX XXXX, XXXX, MN XXXX. 

Re : Cease and Desist Pursuant to 15 U.S.C. 1692c ( c ) Account/Reference XXXX To Whom It May Concern : Under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, I am notifying you in writing to immediately cease all communication with me regarding the alleged debt identified above.

You are prohibited from contacting me except to : Notify me that collection efforts are being terminated ; Notify me that you may invoke specified legal remedies ; or Notify me that you intend to invoke a specified legal remedy.

Any further violation of this request will be reported to the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Attorney General of [ Your State ], and may result in civil action against you.

You are hereby on notice. Govern yourself accordingly. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: PA

Complaint narrative:
I bought a vehicle through a local dealership and it was financed through XXXX XXXX XXXX. Approximately one month later, a driver totaled my car while it was outside my residence. After the insurance claim was processed, his insurance only paid {$4100.00} on a {$13000.00} loan. After proper refunds of the warranty and application of the insurance payment, I was left owing {$7400.00}. I spoke to XXXX XXXX multiple times about the monthly payment. I was told not to worry about payments at that time and everything would be recalculated after the insurance and XXXX claim was processed. I was also told each time that any insurance payment would be applied to any outstanding late balance. At that time, the balance owed was {$1200.00}. They received {$4100.00} from the insurance company. However, they did not apply this to any outstanding balance owed as they said would occur. They then reported me thirty days late. I sent multiple emails regarding this and each time they responded with an answer that had nothing to do with my question or statement. I followed their directions. I'm seeking repair of the credit report.

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 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Lendmark Financial Services
State: GA

Complaint narrative:
Hello, I am contacting you regarding the improper use of my credit score. I have noticed inaccuracies/unfair reporting on my credit file, and I would like this matter investigated and corrected under the Fair Credit Reporting Act ( FCRA ). Please provide me with the source of the information, documentation verifying its accuracy, and written confirmation once it has been reviewed and resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: PA

Complaint narrative:
XXXXDear CFPB,\XXXXMy name is XXXX XXXX,  and I reside in XXXX, Pennsylvania (zip code XXXX). My XXXX XXXX XXXX (VIN XXXX, mileage XXXX miles) was purchased at XXXX  auction on XXXX XXXX XXXX, with a clean title from seller XXXX XXXX XXXX XXXX XXXX XXXX (XXXX, PA). Payment was made via wire transfer on XXXX XXXX XXXX, for $XXXX  (Bill of Sale ID XXXX). The vehicle is registered, insured, passed inspection, and has no accident, flood, or damage history. I owned it for a year with no debts.XXXXHowever, a towing company, on behalf of Westlake Financial, repossessed the vehicle at XXXX XXXX on XXXX XXXX XXXX, without notice. This left me without transportation and caused significant distress. It appears related to a previous owner's debt, for which I am not responsible. I believe Westlake Financial violated consumer rights (possibly Fair Debt Collection Practices Act or Pennsylvania Consumer Protection Laws).\XXXXI request:XXXXAn investigation into Westlake Financial and the towing company's actions for violations.XXXXAssistance in recovering my vehicle or obtaining compensation for its value ($XXXX  market price), emotional distress, and punitive damages.XXXXDocuments: XXXX Seller's Certificate (XXXX), Bill of Sale, clean title, registration, insurance. Ready to provide.XXXXMy phone: XXXX XXXX XXXX, email: XXXXSincerely, XXXX XXXX"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-31 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: CA

Complaint narrative:
It has come to my attention that my personal information was exposed in a national data breach. Upon reviewing my credit report, I identified several accounts that I am not familiar with. I have requested validation of these debts from your agency, but to date, the information has not been provided. 

As my personal information was compromised, I have filed a complaint with the Federal Trade Commission ( FTC ) regarding the fraudulent accounts appearing on my credit file. 

Enclosed please find supporting documents : -Copy of my Government-Issued Identification -Copy of my FTC Identity Theft Report -Copy of my Social Security Card -Copy of my Affidavit of Identity -Copy of my most recent Utility Bill

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
On XX/XX/year> Self Financial/Lead Bank reported to my credit report that i owed on a credit card account. I have never opened an account with them or received any credit card from this company. This company has stolen my identity and used my personal information to open a Fake credit card in my name. This company is reporting this card to the credit agencies with this false information. This company is reporting that I owe a balance of {$490.00}. which i never received. This illegal act has been reported and I have filed a police report and file complaints with FTC, and State Regulatory agencies. The company is now being investigated for the laws they are breaking with this Identity theft.

Company response to consumer: Closed with explanation