vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CarMax, Inc.
State: FL

Complaint narrative:
am the victim of identity theft. I discovered that several credit accounts, loans, and collections were fraudulently opened in my name without my knowledge or consent. I did not authorize these accounts or inquiries, and I am not responsible for the related debts. 

Fraudulent accounts appearing on my credit reports include ( but may not be limited to ) : CarMax XXXX XXXX  auto loan, charged-off, balance approx. {$32000.00} XXXX XXXX revolving account, charged-off, balance approx. {$800.00} XXXX Credit Card charged-off, balance approx. {$160.00} XXXX XXXX XXXX XXXX XXXX collection account, balance approx. {$930.00} XXXX XXXX XXXX XXXX collection account, balance approx. {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX collection account, balance approx. {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account, balance approx. {$4800.00} XXXX XXXX XXXX XXXX XXXX XXXX collection account, balance approx. {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX collection account, balance approx. {$1200.00} XXXX XXXX XXXX XXXX  XXXX collection account, balance approx. {$950.00} In addition, my reports list numerous credit inquiries I did not authorize, particularly related to auto loans and personal loans ( e.g., XXXX XXXX XXXX XXXXXXXX XXXX XXXX  CarMax XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, etc. ) between XXXX. 

There are also addresses in states where I have never lived, including Nevada and Utah, which are not associated with me. 

These accounts, collections, and inquiries are fraudulent and the result of identity theft. I request that they be investigated, blocked, and removed from my credit file pursuant to the Fair Credit Reporting Act ( FCRA ) and Identity Theft laws.Im

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: OH

Complaint narrative:
They have locked my account. They refused to verify my information they used to verify my card. Theyre withholding my money from me. Every time I call and speak with somebody. I advise them that Im recording the call because Ive called numerous times and they instantly telling me that they are not gon na speak to me in a recorded line, but they will speak to me if I turn off the recording, I have money that is no longer available to me in the thousands of dollars of area and they are withholding it from me and not doing anything about it. I have reached out to cash app and asked for manager several times and not getting anywhere customer service representative. Keep hanging up on me putting me back in the queue and telling me they have to know everything before they can transfer me once I tell them everything they told me they still cant assist me that manager is not available when informed them that Im recording this call because I just told me they could tell me they tell me that again. I have to disconnect this phone call because they are not allowed to be recorded on phone calls. I want my money back and I wanted to accessible to me Ive earned that money. Its my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : 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 non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I am writing to file a complaint against Credence Debt Collection Agency for attempting to collect on an alleged debt originally claimed to be owed to XXXX XXXX XXXX. 

This account has previously been placed with other collection agencies, all of which failed to provide proper validation of the debt despite my repeated requests. Each time, the only documentation ever provided has been a simple statement of the balance allegedly owed. At no point have I received a full itemization, accounting, or other supporting documents that properly validate this debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Despite the lack of validation, Credence is now attempting to collect on the same disputed debt. This practice is unfair, deceptive, and in violation of my rights under the FDCPA. 

I am requesting that : The CFPB investigate Credences conduct in attempting to collect this unvalidated debt. 

Credence be required to provide full and proper validation of the alleged debt, including itemized statements and documentation from the original creditor. 

Credence cease all further collection activity and communication with me, except in writing and only for the purpose of providing proper validation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We are a longtime a customer of XXXX XXXX XXXX XXXX, now known as XXXX XXXX XXXX XXXX Recently, they've started to put 7 day holds on all of our checks. The checks are from the same client, and the checks cash every single time with no issue. The bank continues to inist on putting holds on the checks though which causing a major disruption on our business. Our client confirms the money has been removed from their account, so that means the bank is just holding the money for over a week for no reason. I'm guessing they do it to earn interest off of it or something else profitable for themselves.

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 2025-09-02 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: De Lage Landen Finance, LLC
State: NY

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 0 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit for any purpose Account : XXXX XXXX Account : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 2025-09-02 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX I have asked for the orginal paperwork they never sent it to me. Then i told them it was fraud with this account form XXXX XXXX XXXX .I had gave them the person information and nothing was done. But 10 to 15 yrs later they are sending me another judgement now and my wages was garnish from XXXX XXXX company where the money was being taken out and now after all this time now they are harassing me again with wage garnishment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I signed into my account to make payments, but the account shows a XXXX balance. However, looking at my credit score, I can see that I have a past-due amount, which I would like to pay. I called XXXX, and they just keep giving me the runaround. They are saying it needs to be assigned to a debt collection Agency, but it's been months already.

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 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: AL

Complaint narrative:
Several debit card transactions were declined by Cash App even though I have ( more than ) sufficient funds to cover the costs on the card. When speaking with customer service reps at Cash App, no resolve or answers were given other than, I can use another payment method. I have not reported any issues with my account or card and have validated it's my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccuracies in my credit reports provided by LexisNexis, XXXX, and XXXX. These reports incorrectly list my name and address, which are as follows : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have attached a copy of my government-issued identification to verify my identity and confirm the accuracy of the above information. Please note that I am not disputing any credit history or account details ; my sole concern is the incorrect reporting of my name and address. 

Under the federal Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., consumer reporting agencies are required to ensure the accuracy and fairness of the information they report. Additionally, Ohio law, specifically Ohio Revised Code 4712.04, aligns with the federal FCRA, granting consumers the right to dispute inaccuracies in their credit reports. 

I request that LexisNexis, XXXX, and XXXX promptly correct the inaccuracies in my credit reports to reflect my correct name and address. Please confirm receipt of this complaint and inform me of the actions taken to resolve this matter. 

Thank you for your attention to this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: NJ

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of 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 2025-09-02 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: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Regional Acceptance loan is reporting XXXX  days late as of XX/XX/year>. I have ask for a refund of my warranty financed with this vehicle. I have filed a FTC of seize a reporting in XX/XX/year>. I demand that the late payments be removed from my credit and because of Faie Credit Act the said company be penalized for their actions.

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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XXXXHi! I called citi bank today at XXXX XXXX XXXX XXXX to dispute for a fraudulent charge. \n\nThe agent was rude, refused to transfer me to another agent, XXXX  me, argued with me over the spelling of the dispute. XXXXThis is not the first time Citi bank has given me issues after finding out that my name has changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have asked for assistance in updating my legal name with them multiple times. They have not been accommodating or willing to help. It feels like they are actively making it more difficult to get my legal name updated. XXXXToday after requesting a different human being to help me, I was denied. They said it would just be another person to make the claim and I said exactly. They denied this request. The agent continued to be rude. At the end of the conversation I asked to be transferred to someone who could update my legal name. They said that they could not. I asked them to email me what they needed for the name change and the agent wanted to give me a fax number after I had already stated that I had no way to record the information. XXXXNone of this treatment happened before my name change. This is discrimination.'

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