vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-23 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:
CFPB Complaint Summary 1. What happened? 
I submitted multiple disputes to XXXX Experian / Equifax XXXX TransUnion regarding inaccurate and fraudulent information on my credit report. I also provided supporting documentation, including an FTC identity theft report, police report, and proof of identity and address. Despite my request for a manual reinvestigation and a formal Method of Verification ( MOV ), the credit bureau failed to conduct a proper investigation. I also requested the removal of outdated personal information and fraudulent accounts stemming from identity theft and data breaches, but they failed to comply.

Furthermore, I filed identity theft reports and submitted them in accordance with FCRA 605B, which requires blocking of fraudulent data within 4 business days. These fraudulent accounts are still being reported, and I have not received adequate responses or verification. This agency appears to have relied on automated systems ( such as e-OSCAR ) without properly reviewing the documentation I submitted.

I continue to receive alerts regarding unauthorized changes of address and dark web exposures of my personal data, which further supports the urgency of my case.

2. What do you believe is the issue? 
XXXX XXXX XXXX failed to investigate a dispute Continued reporting of information that was not verified Failure to block fraudulent information after identity theft report Failure to update personal information ( address, name, etc. ) Did not provide requested Method of Verification Did not respond in a timely or complete manner

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 2025-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint to dispute a late payment being reported that I have confirmed was paid on time. This error is having a negative impact on my credit standing. I ask that the record be reviewed carefully and updated accordingly to remove the inaccurate late mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to dispute a late payment currently shown on my credit report. I take pride in maintaining a strong payment history and have documentation to prove that the payment was timely. I ask that the record be corrected to avoid further negative impact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: LA

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 ExperianXXXX XXXX XXXX XXXX  credit report on XX/XX/scrub>/2025 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 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 2025-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CL Holdings LLC
State: NC

Complaint narrative:
Each time they call they state my full name and last four of my social security number without any prompts to do so immediately after I say hello. Then proceed to demand if that's me and when I mention to them stating my last four of my social could compromise my identity because how do they know it's me. I am fearful my identity could be stolen if they call the wrong number on accident.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: NC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-06-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westlake Services, LLC
State: GA

Complaint narrative:
I am disputing a collection account reported by Westlake Portfolio ( Account XXXX. XXXX ) due to an incorrect repossession of my vehicle in XX/XX/scrub>t 2023. The original creditor, XXXX XXXX XXXX repossessed the vehicle claiming nonpayment, despite my account being current. A Westlake representative later acknowledged this was a mistake, and I was told the vehicle would be returned.

However, I was never contacted again and later learned the vehicle was sold at auction without my knowledge. Westlake then reported this as a collection debt to the credit bureaus. I am requesting that this collection be removed due to it being based on an error not caused by me.

I have already contacted Westlake Portfolio directly and submitted dispute letters to the credit bureaus. This situation is damaging my credit unjustly and needs immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: TX

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

Company 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 2025-06-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My identity has been stolen and the fraudster attempted to apply for credit under my social security number. They failed to receive the physical cards but I was left with multiple credit inquiries on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
So, on XX/XX/XXXX I got into an auto accident and my car was subsequently totaled. The same day I report it to my insurance XXXX, later signed over power-of-attorney, and on XX/XX/XXXX they direct deposit the payoff amount to my lender XXXX XXXX. Since then, I have contacted them on a handful of occasions regarding why that money hasn't been put towards my car as still had a payment due. First, I was told to just wait and see what happens, after I contacted my insurance about it and they told me that XXXX was requiring {$32.00} to be paid since apparently Progressive had overpaid me and I sent that amount on XX/XX/XXXX. Three days later I contact XXXX once again and was told because of the payment that was due they couldn't process the payment. So, on XX/XX/XXXX I sent over a payment of {$170.00} over the phone and was told that it might take a couple days, but this should sort out the issue. On XX/XX/XXXX I noticed on my app that another monthly payment was requested. Today on XX/XX/XXXX, I contacted XXXX again and sat on the phone for over an hour trying to contact a supervisor or some upper management as wasn't able to be connected and was told to contact them again and I do intend to tomorrow. At this point I am concerned where the payoff is and am so confused on why it still has not been posted. I sent over all required documents in a timely manner and even in the app sent over the claim so it's not like they're missing something.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-23 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: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Second Notice Demand for Reinsertion Investigation and Method of Verification Re : Reinvestigation Request for Verified Accounts Dear Equifax I am writing in regard to several accounts on my credit report that were previously disputed and have come back as verified. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which entitles me to a reinvestigation and full disclosure of how your bureau verified this information.

Specifically, I am demanding that you provide : 1. account ; 2. 3. The name and contact information of the furnisher of each disputed A detailed description of the method of verification used under FCRA Section 611 ( a ) ( 6 ) ( B ) ( iii ) ; A copy of any documentation you received from the furnisher that confirms the accuracy of the information.

If no such documents exist, or if you can not obtain this information, you are legally obligated to delete these accounts from my credit file immediately.

The following accounts are being challenged again due to failure to verify properly account numbers are as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX If your reinvestigation only consisted of an automated e-OSCAR response or superficial confirmation, that is not compliant with the FCRA, which mandates a reasonable, independent reinvestigation of all disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Im writing to kindly request a one-time courtesy reimbursement for a recent {$15.00} fee ( incurred on XX/XX/year> ) I was charged for an incoming wire transfer. 

Ive been a loyal customer for many years, and this charge was unexpected. The sending bank recently changed its policy to only permit withdrawals via wire transfer, something I had no control over. 

Given my longstanding relationship with [ TD, I would sincerely appreciate your consideration of a one-time waiver of this fee. 

Thank you for your time and understanding.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On the XXXX/XXXX/2025, I deposited a check for {$1000.00} from my bank to Bank of America. XXXX notified me of the charge and once I realized I wrote the check from the wrong account I selected no on the text from XXXX to notify them I did not want to proceed with this deposit. XXXX stopped the payment and temporarily froze my account till I could reach out to them and explain it was not fraud it was just a mistake. XXXX unfroze the account as soon as this was clarified. Then, on XX/XX/year>2025, Bank of America closed my account. On XX/XX/scrub>/2025, my job direct deposited {$1000.00} into this Bank of America checking account. I received no notice from BOA prior to this deposit that my account would be closed. The {$1000.00} check was never fully deposited and the issue was rectified. However, Bank of America will not release the balance that is in my account of {$1200.00}. This is not money that belongs to the bank but belongs to me. If the account is closed yet I continue to get statements from BOA and the bank also keeps charging fees and reversing them and acting as the account is still open yet I can not receive my money. I have reported this also to the FTC as this is considered poor business practices and I fully expect Bank of America to give me the money that belongs to me. The representative I spoke to today, XX/XX/scrub>/2025, was incredibly rude, used inappropriate nicknames towards me, and acted extremely defensive the whole conversation and they were incredibly demeaning. This rep should also be investigated for speaking to people the way they do.

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 2025-06-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please see reporting documentation pertaining to the Equifax data breach : XXXX XXXX XXXX fXXXX XXXX  apt XXXX { Last 4 SSN : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Urgent Dispute of Fraudulent Accounts Due to Data Breach Identity Theft Report # : XXXX Dear Equifax Dispute Resolution Team, I am writing to urgently dispute multiple fraudulent accounts that have been opened in my name and linked to my Social Security number as a result of the Equifax data breach. I have included a copy of my Identity Theft Report ( XXXX ) for your reference. As a victim of this breach, I have identified unauthorized accounts that I did not open or authorize. 
The details of the fraudulent account are as follows : XXXXXXXX XXXX Account number:XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> XXXX  Account number:XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened:1XXXX  XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX XXXX Account number:XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened:XXXX XXXX  Account numberXXXXXXXX XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX  Account numberXXXXXXXX XXXX XXXX XXXX XXXX Date Opened:XXXX XXXX  Account number:XXXX XXXX XXXX XXXX XXXX  Date Opened:XXXX XXXX XXXX Account number:XXXXXXXX XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX Account number:XXXX XXXX XXXX XXXX XXXX  Date Opened:XXXX  XXXX  Account numberXXXX XXXX XXXX XXXX XXXX Date OpenedXXXX XXXX XXXX XXXX  Account number:XXXXXXXX XXXX XXXX XXXX XXXX  Date OpenedXXXX XXXX/XXXX  Account number:XXXX XXXX XXXX XXXX XXXX  Date OpenedXXXX The details of the fraudulent account are as follows : In accordance with 15 USC 1681c-2 ( a ), I demand that this account be blocked and removed from my credit report within four ( 4 ) business days of your receipt of this letter. Should you fail to respond adequately, I may pursue a small claims action against your agency, seeking damages of {$1000.00} per violation under 15 U.S.C. 1692k for the following reasons :. Defamation of Character. Negligent Enhancement of Identity Fraud. Violation of the Fair Credit Reporting Act. Violation of 15 U.S. Code 1681o. Violation of 15 U.S. Code 1681n ( b ) (. Failure to comply with 15 U.S. Code 1692 ( g ). Violation of 15 U.S. Code 1681b ). Violations under 15 U.S. Code 1681c. Violation of 15 U.S. Code 1681a ( 4 ) ( Right to privacy ). Under 15 U.S.C. 1681 ii ( 7 ) ( Method of verification ) Thank you for your urgent attention to this critical matter. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-23 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: FL

Complaint narrative:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXXXXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3000.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : 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 2025-06-23 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: MS

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 Experian, XXXX XXXX XXXX credit report on XX/XX/year>2025 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 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 2025-06-23 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: FL

Complaint narrative:
I typed this all out three times. 
XXXX XXXX, in short starting approximately XXXX thru XXXX, I transfered funds from my chime account to my cashapp account. During that time I paid XXXX XXXX that transaction is accurate. 
I had approximately XXXX dollars after that transaction with XXXX in my cashapp account. 
Cashapp took that money and cashapp told me I made a complaint with the original merchant and that cashapp sent the approximate XXXX back to my original account with chime. 

I spoke chime and they said they have no record of a complaint by me just like I thought because I did not make a complaint. 
Now it has been well over 30 days and I still have not received any funds from Cashapp and cashapp closed my account due to suspicious activity. 

I'm requesting cashapp to investigate this matter and immediately return my funds

Company response to consumer: Closed with explanation