vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-13 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 non-monetary relief
Consumer complaint received 2025-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance parent company is XXXX, XXXX XXXX  that sold a debt to XXXX XXXX XXXX  XXXX XXXX offered me a settlement for deletion. I paid the settlement for deletion XXXX XXXX XXXX removed it from my credit with the original predator will not theyre still showing that its an active payment and theyre still not deleting it off my report, which is bringing my payment history down and also showing a derogatory after theyve been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: SC

Complaint narrative:
I am writing to file a formal complaint against several creditors and furnishers for reporting inaccurate, incomplete, and misleading information on my credit file. The entities involved have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. by failing to ensure maximum possible accuracy, continuing to report outdated or unverifiable information, and causing significant harm to my credit profile. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Reported : {$810.00} Issue : Incorrect reporting of late payment ( XXXX ). I dispute the accuracy and timeliness of this information, which appears unverifiable and is damaging my creditworthiness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Reported : {$0.00} Issue : Account is being reported as a Charge Off despite a {$0.00} balance. This is misleading and violates the FCRA requirement for accurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Reported : {$580.00} Issue : Account inaccurately listed as Charge Off. I dispute the balance and status. No verification of debt has been provided, yet the furnisher continues to report derogatory information. 

XXXX XXXX Date : XX/XX/XXXX Issue : Unauthorized credit inquiry. I did not authorize this inquiry, making it an impermissible pull in violation of the FCRA. 

Violations : FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy of consumer information.

FCRA 1681i : Failure to properly investigate disputes within 30 days.

FCRA 1681b : Unauthorized/inaccurate inquiries on my file without permissible purpose. 

Requested Action : I respectfully demand that the CFPB investigate these violations and require the furnishers and credit reporting agencies to : Delete or correct the inaccurate and unverifiable accounts listed above. 

Remove the unauthorized inquiry from XX/XX/XXXX. 

Ensure all future reporting complies with the FCRA and reflects only accurate, verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: LA

Complaint narrative:
I looked at my report on XX/XX/year> and noticed somethings are incomplete and not accurate. And according to the FCRA whenever a consumer reporting agency prepares a consumer report it should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, And one more thing, according to 15 USC 1681s-2 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. 

check attachments

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 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Lendbuzz Inc.
State: CA

Complaint narrative:
The company opened several auto loan accounts without my authorization and without me having any idea, which is why money is missing from my bank account. It turns out that without me requesting it, Lendbuzz was exposed because they withdrew {$2000.00} from my account and defended themselves with recent information from my bank, which sent a written version that was false on the part of Lendbuzz and the dealer in order to keep stealing from my account. The reality is that everything Lendbuzz sent in writing to my account is false on the part of the company, because everything they claimed they did, they never actually did. I was the one who sought help, I was the one who called the police, I was the one who reported everything including to the XXXX, I was the one who returned the car, I was the one who called them every day. I never received a single call from Lendbuzz. In fact, I called and told them that the only way I could make the payment was after they fixed the contract as they had promised, and with the same balance from the XXXX. They ignored me and didnt even care to fix things. And they can not say that I gave false information if they have my drivers license and ITIN information. How could I have given false information? The ones who changed the address were Lendbuzz and the dealer, since the idea was to make payments and then take away the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Re : Formal Dispute of Inaccurate Credit Reporting Account Name : Landmark Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am writing to dispute the accuracy of the above-referenced account currently listed on my credit file. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all information is accurate, complete, and verifiable. This account contains multiple material inaccuracies : 1. The Date of Last Payment is not consistent across bureaus ( reported as XX/XX/XXXX with some bureaus and XX/XX/XXXX with others ). 

XXXX. The Date Last Active is reported inconsistently ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), which directly impacts the 7-year reporting period. 

XXXX. The XXXX ( {$12000.00} ) is being reported higher than the XXXX XXXX ( {$8700.00} ), which is mathematically impossible and inaccurate. 

XXXX. The payment history is not uniform. Equifax shows multiple OK statuses where TransUnion and Experian report Charge-Off for the same periods.

These discrepancies demonstrate that the account is not being reported accurately or consistently. Because the information can not be verified as accurate across all three credit bureaus, I request the immediate deletion of this account from my credit file pursuant to FCRA 611.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I filed a dispute with Capital One credit card regarding a charge from XXXX XXXX XXXX since ( XXXX  XXXX XXXX is in violation of Assembly Bill 2210 ) XXXX XXXX XXXX predatory/illegally towed and wrongfully impounded my vehicle. XXXX XXXX XXXX illegally forced me to pay in order to release my vehicle. 

On XX/XX/XXXX, I contacted Capital One Credit card company to file a dispute of charge of the amount of {$370.00}. On XX/XX/XXXX, Capital One Credit Card company credited me {$370.00}. 

On XX/XX/XXXX, the Capital One Credit Card company informed me that the Capital One Credit Card company refused to resolve the problem ( dispute ) and took back ( charged to my account again ) {$370.00}. 

( XXXX XXXX XXXX is in violation with Assembly Bill 2210 ) In violation with Assembly Bill 2210, XXXX XXXX XXXX predatory/illegally towed and wrongfully impounded my vehicle. 

On or about Sunday evening XX/XX/XXXX, I drove to the city of XXXX, XXXX XXXX XXXX to pick up my daughter. Our resident ( both my daughter and I ) is XXXX XXXX, XXXX XXXX. I stopped and parked my car, XXXX XXXX XXXX license plate # XXXX at XXXX XXXX  ( XXXX XXXX XXXX, XXXX, CA XXXX ) to buy something. I recognized that XXXX XXXX was out of business when I came to the front door. I decided to walk to other shops. I came back after approximately XXXX minutes and my vehicle was towed. Police let me know that my car was towed by XXXX XXXX XXXX. 
On the next early morning XXXX XX/XX/XXXX, I came to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX before they opened to pick up my vehicle ( My car was towed after business hours ). 
I asked the XXXX XXXX XXXX if the property owner or his agent called the tower to tow my car. The tower said no one called and they didnt need anyone to call.. 
I asked the XXXX XXXX XXXX if the tower has a written consent from the property owner or his agent, who must have waited one hour before calling for the tow. The XXXX XXXX XXXX said no they didnt have it. They also responded that they dont need any written consent from the property owner or anyone and they can tow my car immediately. The tower told me that if I want to pick up my vehicle, I have to pay the fee or get out of their business. 
At the ( out of business ) XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) parking lot there is no sign of prohibited public parking. There is only an old and completely faded small sign and doesn't have the name and phone number of XXXX XXXX XXXX. 
XXXX XXXX XXXX charged me an excessive fee of {$370.00} to release my vehicle. 
XXXX XXXX XXXX purposely stored my vehicle XXXX miles from my parked location at XXXX XXXX ( XXXX XXXX XXXX, XXXX, CA XXXX ) to their lot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Block, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, On XX/XX/XXXX, XXXX made an unauthorized ACH withdrawal from my bank account. I received a notification stating I had until XX/XX/XXXX to respond or dispute the transaction. However, XXXX over drafted my account early, without giving me a fair opportunity to challenge or stop the withdrawal. 
I did not authorize this transaction, and I am invoking my rights under federal banking regulations to request immediate reversal and protection under unauthorized ACH fraud guidelines. 
Per XXXX 's publicly stated policy, ACH Unauthorized is defined as : The specific transaction is not authorized by the buyers bank. I am affirming under penalty of perjury that this transaction was not authorized by me. 
According to Squares policy, per XXXX XXXX XXXX XXXX XXXXXXXX XXXX regulations, XXXX can not challenge an ACH dispute. Sellers can not contest ACH reversals. Instead, XXXX instructs sellers to handle these issues directly with their customers. When Square and its ODFI ( Originating Depository Financial Institution ) receive a return request from the customers bank, they remove the funds from the sellers Square account automatically. 
Consumers have up to 60 days to issue an ACH return. This falls fully within my rights and timeframe to request immediate reversal under the * * ACH Unauthorized * * clause. I am demanding that this be recognized as a fraudulent withdrawal and reversed accordingly by my financial institution. 
This fraudulent withdrawal over drafted my account, causing a negative balance and potential overdraft fees. I did not authorize this charge, nor should I be held responsible for any resulting penalties. This was not a case of buyers remorse or service dissatisfaction. I do not have contact information for the recipient because this was a scam, not a legitimate transaction. I am requesting fraud protection, not a refund request from a merchant. 
Please investigate and take swift action on this unauthorized transaction. A copy of Squares policy is on file and will be provided if needed. I appreciate your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
This is my 2nd time taking a title loan and thinking it would be no problem. I was having my XXXX child and needed rent money for maternity leave. I took out a total close to {$4500.00} in XXXX for my XXXX XXXX XXXX with over XXXX miles. To this date all my payment covered interest I have been paying {$730.00} a month for over 25 months. Thats over {$20000.00}. I cant keep covering that much only in interest I need to pay the loan off. They wont let me pay towards the loan at all or change my payment date and I feel behind over 30 Days 1 time and they already send my account to Corporate to put me at risk. I Need Help ASAP! This is a rip off I feel like I cant take care of my child properly and pay for this car. We need our car but Im stressing out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Byrider Franchising, LLC
State: IL

Complaint narrative:
CNAC has done nothing but harrasse me even when car payments arent due. 
I am supposed to pay every 2 weeks at XXXX. Sometimes I am late and iin the month of XXXX i paid XXXX every 2 weeks for that month for the back to be paid on which was XXXX dollars. They did not do that, but have done this in the past. They for some reason do not have when i get paid on file like they used to, i got text messages asking when i get paid. In XXXX ofXX/XX/XXXX i paid again XXXX every 2 weeks to pay the back XXXX, it didn't happen. Now when i call I am XXXX behind in car payment, when i am actually only 2 weeks past due. and I have had a payment due next week. i have all my bank recorcds when payment was made. they arent ' listening and i'm at risk of losing my vehicle. They should have all the information still. and my paycard wont let them take the money. so i have had to use a different card. but in XXXX, my paycard was updated their transfer money and it wasn't working for me to transfer somewhere else for them to have the payment. i did tell them this and that they would have to wait. until i could figure it out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX  is reporting incorrect information on my credit report. I have reached out and spoken to the fraud department about this and they refuse to help me. The names and addresses on my credit report are inaccurate. I never lived there or used the names that's on my report. I am a victim of fraud. I have told XXXX  this and they still refused to help. Someone stole my identity.

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 2025-09-13 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: SC

Complaint narrative:
I am submitting this complaint to formally dispute and demand immediate correction of inaccurate and harmful information being reported on my credit file. The following accounts and reporting practices violate my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Reported Balance : {$810.00} Issue : Incorrect late payment reporting. This account has been misrepresented, and the delinquency reporting is inaccurate and damaging. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Reported Balance : {$0.00} Issue : Reported as a charge-off despite showing a XXXX balance. This is a direct contradiction and constitutes inaccurate reporting. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$580.00} Issue : This account is being reported as a charge-off without proper verification or supporting documentation. 

XXXX XXXX Account # XXXX * * Date Opened : XX/XX/XXXX High Balance : {$2300.00} Issue : Reported as charge-off. No valid proof of debt has been provided to me, and the reporting is unfair and unverified. 

Additionally, there are address inaccuracies listed on my credit report that do not belong to me : XXXX XXXX, XXXX, SC XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX These addresses are not associated with me and should be deleted immediately. 

Under 15 U.S.C. 1681s-2 of the FCRA, furnishers are required to ensure maximum possible accuracy. Reporting contradictory, outdated, and unverifiable accountsalong with false addressesrepresents a violation of this federal law and has caused me significant harm, including lowered creditworthiness and financial distress.

I am demanding the following corrective actions : Immediate investigation into all accounts listed above.

Deletion of unverifiable, inaccurate, and contradictory accounts. 

Permanent removal of incorrect addresses from my credit report. 

Written confirmation that these corrections have been made.

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