vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: TRUIST FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Sheffield Financial initiated a repossession of my XXXX  on XX/XX/year>. Prior to the vehicle being secured by the repossession agent, I called XXXX and informed them that this was a misunderstanding and that I had the means to pay, in full, the amount due plus any fees that had been incurred. The representative I spoke with ( XXXX XXXX told me that since the repossession agent had already arrived at my property, he could not take payment. He informed me that I would have to let the agent take the XXXX, bill XXXX for their services, and that once that had been completed I could render payment and be reinstated. 

On XX/XX/year> I contacted Sheffield Financial and again spoke with XXXX. He informed he the payout amount would be 50 % of the value of the loan, {$20000.00}. I explained to him that this was simply not possible and attempted to find out what we could do to address this issue. He stated there was no way to adjust this amount and said he would have a supervisor contact me regarding the matter. 

As of XX/XX/year> I have not been contacted by a supervisor. I believe XXXX wrongly informed me that I had to allow the repossession agent to take the tractor. In doing so, I was liable for whatever arbitrary payout amount they wished to charge. If I retained the tractor and did not allow the agent to take it, I would have leverage to render payment in the amount that was past due. The actions of XXXX feel retaliatory and predatory. 

Separately, the repossession agent who was sent breached the peace by brandishing a firearm and arrived in a vehicle marked " Official Police Transport '' leaving me, the consumer feeling as though I did not have rights at that point.

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 2025-10-20 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: GA

Complaint narrative:
XXXX XXXX To : TransUnion Subject : Fraudulent Address Dispute Request for Removal Dear TransUnion, I am writing to formally dispute the inclusion of an fraudulent address on my credit file. The address listed below does not belong to me. 

Fraudulent Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This address is the result of identity theft or a clerical error and should be removed immediately to maintain the accuracy of my credit report. I request that you conduct an investigation under the Fair Credit Reporting Act ( FCRA ) and remove this address from all records associated with my credit file. 

Please provide me with a written confirmation once the disputed information has been removed. 

Thank you for your prompt attention to this matter. 

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
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I discovered unauthorized access to my PayPal account. My credentials were changed without my consent. I immediately notified PayPal. PayPal assisted in the recovery of my account. Upon accessing my account, I immediately notified PayPal that a PayPal Credit account was fraudulently opened in my name, and charges were made to XXXX XXXX ( {$880.00} ), XXXX XXXX ( {$980.00} ), and XXXX ( {$180.00} ). 
I did not authorize these transactions and did not receive any goods or services. Despite credit freezes at all three bureaus, the account was opened. I filed disputes with PayPal and XXXX Bank. XXXX has investigated and identified the fraudulent activity, closed the card and notified the credit agencies. However, PayPal claims I am liable because my cellphone was compromised. 
I have filed a police report and an FTC Identity Theft Report. I am requesting reversal of all charges, and closure of my PayPal account once resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX XXXX XXXX  ( XXXX ), XXXX ( 2024 ), and XXXXXXXX XXXX XXXX  ( 2023 ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF 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 XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I made a payment to XXXX XXXX XXXX for the amount of {$6200.00}. When I reviewed the recent payment history, I was told that the payment instead of going to XXXX XXXXXXXX it went to XXXX. We have not used XXXX in over a year. The payment was sent on XX/XX/year>. The due date is XX/XX/year> ( today ). The banker admitted the mistake. And volunteered to look into how they can take care of any late fee and interest because of late payment. Then suddenly he came back and said that I am responsible for paying the amount ( a second time ) to XXXX XXXX and I have to take care of the late fee and the interest. When I said I wanted to talk to his supervisor, he hung up on me. But earlier he had given me the claim number which is : 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 2025-10-20 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: IN

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a certified letter to Experian on XX/XX/year> with tracking # XXXX it shows the delivery date of XX/XX/year> at XXXXXXXX XXXX in XXXX TX. The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts : XXXX- {$0.00} ( ACCOUNT # XXXX ) Experian failed to respond. I sent another letter on XX/XX/year> which they failed to respond once again

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 2025-10-20 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: SC

Complaint narrative:
I found out that there are a few negative account XXXX reporting on my credit report. Please delete these accounts as soon as possible XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: SC

Complaint narrative:
I found out that there are a few negative account XXXX reporting on my credit report. Please delete these accounts as soon as possible 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 explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
A doctor 's office manually entered a credit card number to collect payment for a patient that was not me. They entered the card number incorrectly. The last digit was mine, not the patients, and it charged my XXXX XXXX Account by mistake. No security code, name, zip, address or any other form of verification was required. XXXX Bank allowed the charge to go through without any verification that it was me. However, when I called 5 times for assistance, I had to provide my date of birth, my social security number, my cell number and security code text to me just to call and report the issue. The charge was still in process and XXXX would not stop the funds transfer. I had to call the doctor 's office myself to find out what was happening. They confirmed the patient seen was not me. However, due to XXXX laws, I could not obtain any other information. They confirmed a typo was made. 
I believe Optum Financial is in violation of XXXX laws. The charge was submitted on XX/XX/year>. It is XX/XX/year> and I still have no resolution of when the funds will be returned to my account. {$630.00} was taken and the burden of proof has been placed on me, the victim. This is due to the fact that XXXX did not require any verification before processing payment and wiping out my entire account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: LA

Complaint narrative:
First my phone number is XXXX ( XXXX ) XXXX, not what is listed. I filed a claim previously but received this in the mail. I can not access my account anymore as they said it is closed. As i stated in previous complaint they owe me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has failed to comply with its legal obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information upon a consumers request. I formally requested this information, including the name and contact information of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. However, the agency failed to respond within the 15-day period required by law. This failure to provide the requested details constitutes a violation of my rights under the FCRA.

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 2025-10-20 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
I was robbed and defrauded while banking with USAA directly from my checking accounts account most significantly during the databreach period. The US Comptroller of the Currency reviewed the matter confirming my account as well documented. USAA claimed which I think may have been a fraudulent responder that all transactions were authorized. Including for example {$57000.00} debits during XX/XX/year>. I filed multiple CFPB complaints for reference : XXXX XXXX XXXX It seems that a " USAA Bank representative '' accessed my phone attempts logging into CFPB based on the attached screen shot from my phone. I had what seems like possibly a USAA representative logging into my XXXX account as well. I sent the proof previously. After the accounts were closed USAA after about 6 months mailed me a check {$300.00} amd {$65.00} for " disputes. '' I would like like a fair resolution and repayment before acquiring an attorney thanks!

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 2025-10-20 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-20 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Americas Car-Mart, Inc.
State: GA

Complaint narrative:
I am a documented survivor of domestic and financial abuse submitting this complaint under protections provided by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX Against Women Act ( XXXX ). 

The following XXXX XXXX XXXX / Americas XXXX accounts were created or reported without proper authorization and are directly tied to financial abuse : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$19000.00} balance. Connected to domestic and financial abuse ; unverifiable ; inconsistent data. Request : Permanent deletion. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX {$8300.00} balance. Inconsistent reporting ; no proof of debt validation. Request : Permanent deletion. 

Despite previous certified disputes, neither XXXX XXXX XXXX nor the credit bureaus provided proper validation or documentation as required under FCRA 611 ( a ) and FDCPA 809 ( b ).

The continued reporting of these unverifiable and abuse-related accounts violates 15 U.S.C. 1681, 1681i, 1681s-2, and 1681n, which guarantee accurate reporting and civil remedies for willful noncompliance. 

I have attached my sworn Comprehensive Affidavit of Dispute, Identity Theft, and XXXX Intent to Sue, detailing all accounts, legal citations, and supporting documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Someone hacked my accout on XX/XX/year> they deposited a XXXX check at the ATM they proceeded to XXXX XXXX money and take money at the casino, Regions Bank was told about the fraud and now they are suing me

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