vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: CarMax, Inc.
State: GA

Complaint narrative:
I am filing a complaint regarding an improper vehicle repossession and an alleged deficiency balance of {$26000.00} with CarMax Auto Finance. 

My vehicle was repossessed while I was residing between Florida and Georgia. I never received any of the legally required repossession notices before or after the vehicle was taken. 

Specifically : I did not receive a Right to Cure ( pre-repossession ) notice. 
I did not receive a Notice of Intent to Sell / Post-Repossession Sale Notice. 
I was not told the auction date, auction location, or the method of sale. 
I was not informed of my right to redeem the vehicle. 
I was not informed of my right to request a full accounting. 
I was never notified of the vehicles sale price or how the alleged deficiency was calculated. 

Almost a year after the repossession, CarMax Auto Finance sent me a Final Demand Notice threatening to refer my account to an attorney and pursue legal action for a deficiency balance of {$26000.00}. 

Under the Uniform Commercial Code ( UCC ) as adopted in both XXXX  ( XXXX XXXX. XXXX ) and XXXX  ( XXXX. XXXX ), creditors must send proper and timely notices of repossession and disposition of collateral. If they fail to send these notices, they lose or significantly limit their right to pursue a deficiency balance. 

Because I never received any required notices, I am disputing the validity of the deficiency balance and requesting a full investigation. 

I am asking the CFPB to require CarMax Auto Finance to provide : XXXX. Copies of all pre-repo notices XXXX. Copies of all post-repo sale notices XXXX. Proof of mailing and addresses used XXXX. The auction date, time, location, and bill of sale XXXX. The sale price of the vehicle XXXX. A full accounting of how the {$26000.00} deficiency was calculated XXXX. A pause on all collection efforts, attorney referrals, and legal action during this investigation If CarMax can not provide evidence that they followed the required UCC notice procedures, I am requesting that the alleged deficiency balance be removed and any related negative credit reporting be corrected. 

I am attaching a screenshot of the Final Demand Notice CarMax sent me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Atlanticus Services Corporation
State: NC

Complaint narrative:
According to the FCRA 15 USC 1681s - 2 ( a ) ( 1 ) reporting delinquencies for the same missed payments ( re-aging )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
Contacted the debt collector on XX/XX/year> and they were rude and continuously hung up on me. After the 4th call back someone finally answered and he didn't give me the originally creditor information and when he gave the amount and asked was the correct amount that I'm seeing on my credit profile i said no and then he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: World Acceptance Corporation
State: NM

Complaint narrative:
I am XXXX XXXX XXXX, and I am writing to formally state that I recently became a victim of identity theft. An account with World Acceptance Corporation has appeared under my name, and I want to make it clear that this account does not belong to me. I have never opened, used, or authorized any credit account with this company or with any other lender. At XXXX XXXX XXXX, I have never even had credit before, nor did I understand how credit accounts are used until this situation occurred. 

As soon as I discovered the fraudulent account, I took every appropriate step to address it. I filed a police report documenting the identity theft. I also submitted disputes with all three major credit bureausXXXX XXXX and XXXX explaining that the account is fraudulent and providing all requested documentation. 

Despite my efforts, my disputes continue to be denied, which has caused unnecessary stress and hardship. I am doing everything within my power to clear my name and correct my credit report, but the bureaus failure to properly address my dispute is preventing the resolution of this issue. 

Once again, this World Acceptance Corporation account is not mine, and I am requesting that it be removed from my credit profile immediately. I have taken the proper legal steps, and I should not be held responsible for an account created through identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: DC

Complaint narrative:
My employer recently implemented budget cuts that significantly reduced my income. As a result, I am struggling to meet my financial obligations, including this account. Additionally, I believe I was charged twice for the same item or service, which I was unaware of at the time. This duplicate charge has further strained my finances and contributed to my current hardship. 

I also want to bring to your attention my auto loan, which I have been diligently paying and have nearly completed. Unfortunately, I have now reached a point where I can no longer afford the remaining payments. I have contacted the lender, but they do not offer any payment plans, deferment options, or extensions. This lack of flexibility is putting me at risk of default despite my consistent payment history and good faith efforts. 

Given these challenges, I respectfully request the following : Removal or correction of the duplicate charge Enrollment in a hardship program for this account and/or my auto loan Partial or full forgiveness of the remaining balance, especially on the auto loan Waiver of late fees or penalties Alternative payment arrangements that reflect my current financial capacity I am committed to resolving this matter and am willing to provide documentation of my income reduction and payment history. I am simply asking for a fair and compassionate resolution that will allow me to regain financial stability without falling into deeper hardship. 

Thank you for your time and understanding. I look forward to your response and hope we can work together toward a solution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: LA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: GA

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
In XX/XX/year>, my phone was stolen and the thief accessed my Wells Fargo online banking, sending several unauthorized wire transfers totaling {$4700.00}. I immediately reported the theft, filed a police report, and submitted an FBI IC3 complaint.

Wells Fargo denied my wire fraud claim by stating that the transfers were authorized, simply because they originated from a device that had previously been linked to my account. This determination is incorrect, and it does not satisfy the requirements of UCC Article 4A, which defines authorization as the customers actual consent. I never consented to these transfers.

Wells Fargo also stated in writing that they would mail me the complete fraud investigation file, including authentication logs, timestamps, device/IP data, and the commercially reasonable security procedure used to verify the wires. I never received any of these required documents, despite multiple requests.

This is a violation of UCC Article 4A-202 and 4A-203, CFPB investigation standards, and Wells Fargos own internal policies . Wells Fargo has not demonstrated that any security procedure was used let alone a commercially reasonable one and therefore can not classify these wire transfers as authorized.

Additionally, Wells Fargo has taken retaliatory adverse action against me after I filed the fraud claim.

Following the denial, the bank placed permanent restrictions on my digital payment services, including XXXX XXXX, XXXX, XXXX XXXX, and other money-transferring apps connected to my Wells Fargo account. These services were completely disabled without explanation.

I can no longer receive money through these platforms, which has caused ongoing financial harm and hardship. This action appears to be retaliation for reporting fraud, implying wrongdoing by me rather than protecting me as the victim. These restrictions were never explained, never justified, and never reversed despite multiple requests.

This constitutes : Retaliation Unfair banking practices Adverse action without notice Failure to investigate properly Failure to provide documentation And mishandling of a wire fraud claim ADDITIONALLY AND MOST IMPORTANTLY- Wells Fargo closed the account where the fraudulent wire transfers occurred and removed all historical statements from my online banking. I no longer have access to the account number or the last four digits. The banks removal of this information has prevented me from reviewing the transactions and is part of the mishandling of my fraud claim.

Wells Fargos failure to provide documentation, improper denial of a fraud claim, and retaliatory restrictions on my account have caused significant financial harm, and I am requesting CFPB intervention.

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 2025-11-29 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:
Upon reviewing my credit report, I noticed a late payments listed on XXXX  that I believe is inaccurate. I have maintained on-time payments and do not have documentation showing that this payment was legitimately XXXX late. I have fully paid everything on time and my bank account was attached and set up for auto pay. 

I am requesting a full investigation and verification of this late payments. If the creditor is unable to provide sufficient evidence, I am asking that the record be updated to reflect accurate reporting.

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 2025-11-29 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:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Called and sent in letters to have my name and current address updated and have all the rest taken off due to accuracy.

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 2025-11-29 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: CA

Complaint narrative:
Called and sent in letters to have my name and current address updated and have all the rest taken off due to accuracy.

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 2025-11-29 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: CA

Complaint narrative:
My name is XXXX XXXX, and I am formally disputing the information listed on my credit report. In accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681c, I did not authorize the reporting or release of my personal information to the companies listed below. This is a violation of my consumer rights to privacy, as they have no legal basis to report anything under my name. Furthermore, there are unauthorized inquiries on my credit report that I did not initiate, which constitutes a case of identity theft. Pursuant to 18 U.S.C. 8, I do not own any debt to these entities, and I demand the immediate deletion of the items and inquiries in question to correct my credit report.

Please address this matter promptly and confirm the removal of the disputed entities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
requested the following information in XXXX and XXXX, Proof that they own the account or were legally assigned the debt A complete chain of title from the original creditor to the collector The original contract or agreement with my signature An itemized statement of the balance The name and address of the original creditor Proof that the debt is within the statute of limitations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
XXXX opened on XX/XX/year> XXXX XXXX  inquired on XX/XX/year> XXXX XXXX inquired on XX/XX/year> 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 2025-11-29 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am disputing an inaccurate collection account being reported by XXXX XXXX XXXX XXXX on behalf of XXXX XXXX. I was not under contract, I was billed improperly, and I returned all equipment in person at the providers retail location. Because there was no contract and all equipment was returned, there is no valid basis for a balance or collection action. 

I disputed this account with Experian, but the dispute was denied without proper investigation or verification. Experian did not provide any documentation showing how the account was verified, and they have refused to provide a Method of Verification, which I requested under FCRA 611 ( a ) ( 7 ).

I also requested debt validation directly from XXXX XXXX XXXX XXXX, but they have provided no proof, no signed contract, no itemized billing records, no documentation supporting the charges, and no evidence that any equipment was outstanding. Despite failing to validate the debt, they are continuing to report it, which is a violation of both the FCRA and the FDCPA. 

This account is inaccurate, unverified, and is causing damage to my credit profile and financial standing. 

I am requesting CFPB intervention to require : Full documentation and validation of the alleged debt Deletion of the account if it can not be validated Correction of all inaccurate credit reporting Enforcement of compliance with FCRA and FDCPA requirements by both Experian and XXXX XXXX XXXX Confirmation that all improper collection activity has ceased I want this issue resolved immediately, as the debt is invalid, unverified, and has been unlawfully verified and reported.

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 2025-11-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Items to Be Removed Immediately ( Fraud ) XXXX. Fraudulent Hard Inquiry XXXX XXXX XXXX XXXXXXXX Inquiry Date : XX/XX/year> I never applied for credit with this company. 
This inquiry was made without my consent. 
Remove this inquiry immediately pursuant to FCRA 1681c-2 ( a ). 



XXXX. Fraudulent Account XXXX  XXXX Account ending in XXXX Date Opened : XX/XX/year> I did NOT open this account. 
I never signed or authorized any application. 
This is identity theft and must be deleted under FCRA 1681c-2. 



XXXX. Fraudulent Account DISCOVERC Account ending in XXXX Status : Charged off / Past due I never opened this account. 
I never applied for credit with this lender. 
This is an unauthorized, fraudulent account reporting false and damaging information. 
You are required to block and delete this account immediately under FCRA 1681c-2. 



Legal Notice to Experian I am asserting my rights under the FCRA and issuing the following demands : XXXX. Immediate Block & Deletion Under FCRA 609 ( e ) and FCRA 605B, Experian must block all fraudulent information within XXXX business days once notified of identity theft. 

XXXX. Reinsertion Ban Under FCRA 1681i ( a ) ( 5 ), any deleted item may NOT be reinserted without notifying me in writing, with full certification from the furnisher. 

XXXX. Mandatory Reinvestigation If Experian chooses to investigate, it must : Contact each furnisher Obtain actual evidence and documentation bearing my signature Provide me with full results within 30 days Remove any item the furnisher can not validate A simple data match is not legally sufficient. If Experian verifies fraud without proof, that is a willful violation of FCRA 1681n. 

XXXX. Civil Liability Notice Failure to properly investigate or delete fraudulent data will result in : A complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A complaint with my State Attorney General Possible civil action seeking damages under : FCRA 1681n ( willful noncompliance ) FCRA 1681o ( negligent noncompliance ) Conclusion These accounts and inquiries were never authorized by me and are the result of identity theft. I am demanding immediate deletion and correction of my credit file. Please send me a revised report once these items have been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I found several fraudulent inquiries on my credit report and I want them to be removed ASAP : XXXX XXXX XXXX, XXXX Inquired XXXX XXXX XXXX Inquired XXXX XXXX Inquired XXXX XXXX XXXX XXXX Inquired on XX/XX/2025 XXXX Inquired on XX/XX/2025 XXXX XXXX XXXX  Inquired on XX/XX/2025

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
requested numerous times via certified mail in XXXX and XXXX the following, Proof that they own the account or were legally assigned the debt A complete chain of title from the original creditor to the collector The original contract or agreement with my signature An itemized statement of the balance The name and address of the original creditor Proof that the debt is within the statute of limitations They did not provide any of the above.

Company response to consumer: Closed with explanation