vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Americas Car-Mart, Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding the deceptive and misleading financing practices used by Americas Car-Mart . Although this occurred several years ago, I am reporting it now because I believe the same predatory practices continue today, and I want to help protect other consumers. 

When I purchased a vehicle from Car-Mart , the financing terms were not explained clearly or transparently. The dealership did not review the interest rate, total cost of the loan, payment structure, or fees in a clear or understandable way. Important loan information was rushed, minimized, or not disclosed at all. If the financing terms had been clearly explained, I would never have agreed to the loan. 

Car-Mart also made misleading statements about my ability to trade in the vehicle once a certain amount was paid. When I attempted to do so, they refused, giving inconsistent explanations and blaming paperwork issues on their end. This felt deceptive and intentionally confusing. 

Car-Marts process was full of hidden fees, unclear disclosures, and misleading information about the loan. At no point did the dealership ensure that I understood the financing I was agreeing to. Their practices were predatory, designed to trap consumers in high-cost loans without proper transparency. 

I am filing this complaint even though the events occurred in the past because these actions reflect a pattern of unfair, deceptive, and abusive practices ( UDAAP ). Based on my experience and ongoing complaints from other consumers, I believe Americas Car-Marts financing practices should be investigated to protect future customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
I am submitting this complaint to dispute inaccurate information being reported on my credit report. Below are the accounts that I am contesting across the three major credit bureaus. I request that you review the information below, conduct an investigation, and make the necessary corrections as outlined in the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX  Account : XXXX Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX  XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX XXXX Account XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payment Accounts : XXXX XXXX Account : XXXX XXXX  XXXX Account : XXXX XXXX Account : 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 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
CREDENCE RM is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: CT

Complaint narrative:
Can you verify this entry? It seems tardy and potentially wrong.

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 2025-11-27 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: AR

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, must allow at least 21 days between the statement date and the payment due and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I joined a sweepstakes site called pulsz for the fun of it. The site says it is for entertainment purposes only and is free. Well a few weeks of playing for fun, I get a message from them that I won XXXX of their sweepstakes, in order for them to send it to me they would need a copy of my ID ( front and back ) and debit card ( also photo of front and back ) where I would like the sweepstakes win sent. They deposited money and turned around and took over XXXX withdraws from my account-it ended up being over {$8000.00} taken from my checking account by them! I wrote the sweepstakes site, they said give them XXXX hours to look into it .. I go back on their site only to see that I have now been blocked. I call wells fargo immediately and they open a dispute under " charged wrong amount ''. I sent in screenshots of the website that says " for entertainment purposes only '' and " completely free '' as well as letting them know that I am blocked from the site and can not get in to see messages between me and the company or anything. XXXX  days after opening the dispute, my claim is denied. So I call wells fargo to see why and to reopen the dispute. I've talked to XXXX different people and keep being told someone will call me today to explain why and see what my options are from here. It's now been XXXX days and I have yet to hear from anyone. I have also come to find out that this company have multiple XXXX dollar lawsuits currently going on! And it is located in XXXX which is located in XXXX overseas territory!

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 2025-11-27 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to request a thorough review of the following disputed accounts on my credit report. I respectfully ask that each item be investigated for accuracy, as they may not be reported correctly. If any information can not be verified, I request that it be removed in compliance with the Fair Credit Reporting Act ( FCRA ). Below are the details of the disputed accounts : Charged Off : Account Name : XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$14000.00} Late Payment : Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Subject : Request for Removal of Inaccurate and Unverified Information Reported by Midland To Whom It May Concern, I am submitting this complaint regarding Midland, who is reporting inaccurate and unverified information on my credit reports. Also reporting inaccurate open balance. I have attempted to resolve this matter directly with the company, but they have failed to comply with federal verification and reporting requirements. 

XXXX. Failure to Provide Required Validation Documents ( FDCPA Violation ) Under the Fair Debt Collection Practices Act ( FDCPA ) XXXX U.S.C. XXXX ( b ), I requested that XXXX provide proper debt validation, including : A copy of any contract or agreement bearing my signature, A complete itemized statement of the alleged account, Proof that they have legal ownership or assignment of the debt. 

Instead of providing legally required documentation, they only supplied generic invoices, which do not meet federal standards for proving that I owe this debt. 

XXXX. Reporting Information Without Verification ( FCRA Violation ) By continuing to report this account to the credit bureaus without proper verification, Resurgent is in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : FCRA XXXX ( A ) XXXX U.S.C. XXXX ( b ) : Failure to ensure maximum accuracy of reported information. 
FCRA XXXX XXXX XXXX. XXXX : Failure to conduct a reasonable reinvestigation after I disputed the information. 
FCRA XXXX ( a ) ( XXXX ) : Furnishing information that they knowor should knowis inaccurate. 

XXXX. Possible Fraudulent Activity The information XXXX provided does not match my records, and they have not provided any signed agreement proving I opened or authorized this account. This raises serious concerns of fraud or identity misuse. 
Under FCRA XXXX, I have the right to request the removal of all information resulting from identity theft or fraud. 

XXXX. Requested Resolution I am requesting that the CFPB require XXXX XXXX XXXX to : XXXX. Immediately delete the inaccurate and unverified account from all my credit reports XXXX XXXX XXXX XXXX XXXX 
XXXX. Provide proof of compliance with FDCPA XXXX ( b ) by producing a signed contract, if one exists. 
XXXX. Cease all collection and reporting activities until proper validation is supplied. 
XXXX. Investigate the potential fraud associated with this account. 

Resurgents failure to validate the debt, combined with their continued reporting of inaccurate information, is causing me financial harm and violates both the FCRA and FDCPA. 

Thank you for your assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX 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 2025-11-27 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: GA

Complaint narrative:
I am writing to formally dispute several accounts listed on my TransUnion credit report. These accounts contain errors that must be corrected immediately. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and I demand that these inaccuracies be investigated and corrected without delay. Should I not receive a resolution within the next 30 days, I will escalate the matter through legal means. 

Disputed Accounts : Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$9200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$220.00} XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} Late Payments : DEPT OF ED/XXXX Account Number : XXXX DEPT OF ED/XXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : 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 2025-11-27 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: GA

Complaint narrative:
I am writing to dispute several accounts reported on my Equifax credit report. These accounts contain serious inaccuracies and are harming my credit. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to an accurate credit report, and I demand that these items be corrected immediately. If this matter is not resolved swiftly, I will escalate this dispute and pursue legal action to ensure my rights are upheld. 

Disputed Accounts : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: VA

Complaint narrative:
Dear Sir/Madam, I am submitting this dispute regarding certain accounts listed on my credit report. Please find the details of the disputed items below, separated by bureau. 

Charged Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2800.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : 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 2025-11-27 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: LA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: PA

Complaint narrative:
I bank with Chime and received XXXX emails around XXXX as Im sleeping about a new login device and was it me. Also it shows approximate location for the new login which was in New York and Im in XXXX Pa I have screenshots also. Someone got into my bank account and took all my money and chime denied the claim stating no error occurred when this was 100 % not me or authorized by me. I never gave anyone my bank login info this happened XX/XX/2025. Please help Im not the only one I seen online chime has been getting over on people with their claims for the pass few years this needs to be investigated properly please help me. I dont make much money so for {$400.00} to just disappear from my aacount is horrible. Someone XXXX XXXX themselves straight from my chime account starting with little amounts then sent everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-27 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: NJ

Complaint narrative:
I am writing to dispute inaccurate and outdated information on my credit report that is currently being reported by the three major credit bureaus ( Equifax, XXXX, and XXXX  ). Below are the details of the accounts I am disputing. Please ensure these accounts are reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). If any of the information can not be verified, I request that it be removed from my credit report. 
Charged Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Late Payments XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
An unknown phone number appears in my profile, and I do not know how long it is exist. Today, when I wan na to login my bank account in a new device, it shows up an unknown phone number can receive the code, I was scared, because I just experienced the scam with the same bank account. I am not allowed to update the phone number in APP or website, so I do not think it is my mis-input. I called the customer service, she said the only she can do is delete that unknown phone number without any explanation. I just filed a complaint yesterday that my Chase account has been scammed, I did not found this unknown phone number yesterday. But for now, I now strongly feel that the two are connected.

Company response to consumer: Closed with explanation