vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: CO

Complaint narrative:
Cedars Business Services, LLC is attempting to collect an alleged balance on behalf of XXXX Payments related to chargebacks on my merchant account. I dispute that this alleged debt is valid and I requested proper validation in writing under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Cedars has not provided proper debt validation. Instead, they have sent only generic statements such as your agreement states you are responsible for chargebacks and XXXX already paid for an unwarranted chargeback, without providing official documentation from the issuing banks or payment networks showing the chargeback amounts, filing dates, reason codes, or final adjudication results. XXXX internal payment ledger shows the chargebacks were classified as cardholder not present, which indicates unauthorized/fraud transactions, yet Cedars inaccurately stated the chargebacks were due to dissatisfaction of services. 

Despite my written dispute and request for validation, Cedars continues to contact me repeatedly. They have sent automated log in and pay emails and follow up messages to two separate email addresses ( including after I unsubscribed ), and they have also begun calling me by phone. One email was sent at approximately XXXXXXXX XXXX local time, which is outside permissible contact hours. These repeated emails and calls are continued collection activity and harassment while the debt remains disputed and unvalidated. 

I am requesting that the CFPB require Cedars to cease collection communications until proper validation is provided and to ensure compliance with the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: GA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} 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 Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX M Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX 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 2025-12-23 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year> my XXXX XXXX XXXX was charged two times by " XXXX XXXX XXXX XXXX XXXX XXXX XXXX one {$1400.00} and the other {$4400.00}. I called Citibank to dispute those charges I didn't place and didn't authorize anyone to place. Citibank offered security credits to me on XX/XX/XXXX. However, I found the {$4400.00} charge was reversed on the XXXX statement. I called Citibank and asked the reason. They told me that the merchant sent them the passport ID of the person and I needed to sign it. I told them that I didn't receive anything to sign by mail. They told me that a notice was sent by email and the document was in my account. It took me a long time to find the document, which I signed, scanned and sent back to Citibank on XXXX XXXX XXXX. Since then the status was " under investigation ''. I called Citibank on XXXX XXXX, XXXX XXXX and XXXX XXXX. The last time the person I talked called XXXX and she told me the status in still " under investigation '' and it normally took 1 or 2 billing cycles. However, it is more than 3 billing cycles since I found this charge and notified Citibank. The fake passport ID has different gender and age than mine, which should be available to Citibank. I don't know why they reversed the {$4400.00} one, but not the {$1400.00} one and why it took so long without any noticeable progress.

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 monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
THESE ACCOUNTS WERE NOT OPENED OR APPROVED BY ME. I HAVE NO CONNECTION TO THESE ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Help my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact. The accounts Ive referenced are not 100 % accurate. Until you provide competent evidence that validates the debt including a signed agreement, full account history, and verification of your authority to collect you must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$630.00} 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 Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Inquiries : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : 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 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
My name is XXXX XXXX my birth date is XX/XX/year> address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX my social security number last XXXX XXXX. My phone number is XXXX. I ask for them to help me with the info that I remember but still all they keep saying is sorry can't help only I if I have the cashtag then they would look into it. And told me to contact them when I I had it. I been trying for the last u three years to get help from support or whoever they are at cash app. So if you could please please help me with my search it would be so appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a call from Bank of America while staying in my vacation home in XXXX. The asked about a XXXX transfer and asked where it came from. I said it came from my retirement account at XXXX XXXX. Then they asked me a series of wires that I made to assist a girlfriend in XXXX. Then the came back to the deposit from XXXX. They said they could prove that that deposit did not come from XXXX which angered me. I told them as customer of BOA for over 19 years I was appalled that they would accuse me of a felony. I have all the paper trail but they refused to listen and put my account on hold. The ordered me back to the US to identify myself at the nearest BOA financial center. I told them I had no money because they put my account on hold. They indicated they understood my situation but were unable to help. I few days later they closed my account. I tried to esculate to managment but they were now treating me like a criminal. I was given no due process to discuss my case. I am XXXX years old on Social Security left stranded in 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 monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The company has yet to update account information correctly. Account is still reported as past due with an incorrect loan balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am submitting this complaint regarding Wells Fargo Banks improper handling of my account following a XXXX dispute that resulted in a complete loss of online banking access and significant financial harm. 

A former client filed a XXXX dispute alleging fraud related to XXXX payments ( {$650.00} and {$300.00} ). These payments were NOT fraudulent. They were voluntarily sent by the client as payment for professional services under a written and signed agreement. 

Immediately after the dispute, Wells Fargo restricted my XXXX access. Shortly thereafter, Wells Fargo completely disabled my online banking access across ALL of my accounts, including accounts unrelated to the XXXX transactions. 

Despite my full cooperation, Wells Fargo : - Removed my ability to view balances or manage my accounts - Failed to provide timely written notice explaining the full scope of the restriction - Failed to restore access by the stated investigation deadline ( XX/XX/XXXX ) - Claimed my signed contract was not verifiable without providing a clear basis or opportunity to remedy- Left me without online access for an extended period As a direct result, I suffered financial harm, including : - Inability to monitor balances - Overdrafts and late fees - Missed or delayed payments - Disruption to my personal and business finances- Forced opening of alternative bank accounts to meet basic obligations At no time was I accused of wrongdoing by Wells Fargo, nor was a final determination communicated to me. Blocking access to all accounts for an extended period without resolution or transparency constitutes improper account handling and failure to protect the consumer. 

This issue is no longer about the original XXXX dispute. It is about Wells Fargos failure to manage an investigation without causing unnecessary and disproportionate harm. 

I respectfully request CFPB assistance to obtain : - A written explanation for the account-level restriction - Restoration or confirmation of account standing - Reimbursement of overdraft fees, late fees, and related damages - Confirmation that no negative banking or fraud reports were filed against me Thank you for your assistance.

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 2025-12-23 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: NC

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax & XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
CEASE AND DESIST NOTICE ( Fair Credit Reporting Act 15 U.S.C. 1681 et seq. ) Your Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX __________________________ City, XXXX, ZIP : XXXX XXXX MN XXXX Date of Birth : XXXX / XXXX / XXXX SSN ( last XXXX ) : XXXX Date : XXXX Sent via Certified Mail Return Receipt Requested To : [ Equifax / Experian / TransUnion ] [ Correct Bureau Address ] NOTICE TO CEASE AND DESIST UNLAWFUL REPORTING AND COMMUNICATION To Whom It May Concern, This letter serves as formal notice that I am demanding you CEASE AND DESIST from any further reporting, verification, reinsertion, dissemination, or communication of any inaccurate, unverified, or unlawfully reported information contained within my consumer credit file. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to ensure maximum possible accuracy of any information you publish. You are also prohibited from reporting information that can not be verified with competent evidence, including a proper investigation pursuant to 1681i ( a ). 

You are hereby placed on notice of the following : Any account that has been disputed, unverified, fraudulent, obsolete, incomplete, or legally unenforceable must be deleted immediately. 

Continued reporting of such information after notice constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. 

You are not authorized to reinsert any previously deleted account without full compliance with 1681i ( a ) ( 5 ) ( B ), including advance written notice to me. 

Any communication or reporting that causes reputational, financial, or emotional harm after receipt of this notice will be considered harassment and unlawful conduct. 

This letter also constitutes a revocation of consent for any continued reporting of disputed or unverified data. You are instructed to cease all such activity immediately. 

Failure to comply within 15 days of receipt of this notice will leave me no choice but to pursue all available legal remedies, including but not limited to : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ) Initiating civil action for statutory damages, actual damages, punitive damages, and costs This notice is not a refusal to pay, nor an admission of liability. It is a lawful demand for compliance. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation