vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Around XXXX  XX/XX/XXXX I checked my wells Fargo account and noticed a lot of transactions being made since wednesday XX/XX/XXXX. The transactions were " XXXX 's XXXX '' in New York and then a few other transactions listed as " XXXX XXXX ''. These transactions were ranging between XXXX dollars. Clearly this was fraud so I called Wells fargo as soon as i noticed on XXXX  the XXXX, and asked them to put dispute these charges and if they could put my card on hold. The card was replaced and they assured me that he could make no more transactions, so I trusted them and the claims were made and they said they will get back to me in 10 days. Then on sunday XX/XX/XXXX I noticed some more pending transactions. Some being from the same " XXXX store '' and the others being from " XXXX '' in various locations in arkansas and then a " XXXX '' transaction in washington. I live in XXXX and have never visited arkansas or washington. I then called wells fargo and said the hacker still somehow has access to my account and then I had them close the account as well as remove it from all apple pay enabled devices. They then put a claim for the XXXX other transactions made by the hacker. On XX/XX/XXXX my initial XXXX claims were denied even though they were not me so I am writing to the CFPB since wells fargo should reimburse this money.

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 2025-05-27 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I am disputing a XXXX late payment reported by Nissan Motor Acceptance Company ( NMAC ) on my auto loan. The late payment occurred during a documented hardship period when my partnera 100 % XXXX XXXX XXXX XXXX admitted to XXXX VA XXXX XXXX XXXX Program ( XXXX XXXX  ). I was solely managing finances and missed XXXX payment, but I resumed on-time payments immediately and have had no issues since. 

I submitted a goodwill adjustment request to NMAC with documentation from the VA, but it was denied. This single late mark does not reflect my overall payment history or financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


NEGATIVE 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  Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian

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 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


NEGATIVE 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  Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Experian

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 2025-05-27 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: NY

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: MI

Complaint narrative:
I called to settle the account and see if it would be possible to settle for less than what was owed due to receiving a letter about this. When I called as well as my significant other who listed on the account not only were we talked over and ignored the few people we did speak to were rude cussed at us and were showing blatant disrespect towards us. This company is a horrible company who isnt even reporting correct information and who we also never gave our information to, to begin with.

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 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed XXXX : Click or tap here to enter text. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Account was charged off many months ago. I did not receive any IRS copy of Form 1099-C ( Cancellation of Debt ) or any information from creditor. Account is currently showing as past due and balances owed.

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 2025-05-27 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: GA

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : 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 XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
This complaint disputes an account listed on my credit report under account number XXXX * by CREDIT COLLECTION SERVICES ( CCS ), which I do not recognize and believe to be unverifiable. I am exercising my rights under the FCRA, 15 U.S.C. 1681i, to request a thorough investigation into the accuracy and completeness of this entry, as I have no recollection of opening this account, entering any agreement, or authorizing related activity, and no documentation supports its validity. Pursuant to the FDCPA, 15 U.S.C. 1692g, and consistent with the CFPB requirements in the case against XXXX XXXX XXXX ( XXXX ), I demand full validation of this alleged debt. I explicitly refuse to pay this unverified debt and demand that CREDIT COLL immediately cease all communications, including phone calls, emails, texts, and letters, as continued contact constitutes harassment under the FDCPA. Failure to validate the debt or continued reporting of this account violates my rights under federal law, including FCRA and FDCPA, and I request its immediate removal from my credit report. Non-compliance may result in further legal action to enforce my consumer rights. This is the documentation required from CREDIT COLL : ( 1 ) Proof of Debt Ownership : A complete chain of title demonstrating CREDIT COLLs legal right to collect the debt, including all assignments or transfers from the original creditor, as required by the CFPBs XXXX case, ( XXXX ) Original Account Agreement : A copy of the signed contract or agreement with the original creditor establishing my alleged obligation for this account, ( XXXX ) Account Statements : Detailed statements from the original creditor showing the accounts origin, transaction history, and balance calculation, ( XXXX ) Verification of Debt Amount : Itemized documentation proving the accuracy of the alleged debt amount, including principal, interest, and any fees. ( 5 ) Identity Verification : Evidence linking me to the account, such as signed documents or other proof of my authorization or responsibility. ( 6 ) Licensing Information : Proof that CREDIT COLL is licensed to collect debts in my state, if applicable, as required under FDCPA and state regulations. ( 7 ) Written confirmation that CREDIT COLL will cease all communications with me regarding this debt, as demanded, to comply with 15 U.S.C. 1692c ( c ). If CREDIT COLL can not provide all requested documentation or fails to cease communications, they must remove the account from my credit report to avoid violating federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Due to a breach of my personal data, unauthorized accounts have been posted to my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX IN XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX - Account Number : XXXX * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  XXXX XXXX Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} Inquiries XXXX  Date : 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 non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am a Citi XXXX credit card holder. One of the key features of this card was the ability to transfer ThankYou Points to airline loyalty programs, including XXXX XXXX XXXX XXXX XXXX, at a one-to-one ratio. This benefit significantly influenced my decision to use and accumulate points with this card. 

On XX/XX/year>, I received an email from Citibank informing me that the Citi Rewards+ Card would be converted to the Citi XXXX Card as of XX/XX/year>. As part of this upcoming change, the 10 % points-back feature ( for the first XXXX XXXX Points redeemed per calendar year ) will be discontinued. While I understand that card terms can change, Citibank gave the impression that existing features would remain available until the effective date of the transition. 

However, when I attempted to transfer my accumulated ThankYou Points to my XXXX XXXX XXXX XXXX XXXX account before the XX/XX/year> change, I discovered that the transfer option had already been removed. Further investigation showed that Citibank had also removed several other airline transfer partners without prior notification or mention in the email announcement. 

This action is misleading and unfair. Although Citibank notified customers of a future change, it effectively removed a key benefit well in advance of the stated date. Customers were not given a fair opportunity to use the features they were promised would remain until XX/XX/XXXX. 

I respectfully request that Citibank reinstate the airline transfer feature for eligible partners, including XXXX XXXX XXXX XXXX XXXX, at least through the announced transition date. Additionally, I urge the CFPB to review Citibanks practice of prematurely discontinuing benefits and whether it complies with consumer protection standards.

Thank you for your attention.

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 2025-05-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
My vehicle was sent to XXXX XXXX for a recalled part back in XXXX of XXXX. XXXX 's XXXX 's information is as follows : XXXX XXXX XXXX, XXXX XXXX, VA XXXX ( XXXX ) XXXX website : XXXX. The vehicle remained on the dealership property well over 2 years. I would call and check on the status of the vehicle, only to be told they are still waiting for the recalled part to be shipped in. My last discussion with XXXX XXXX 's service team was XXXX of XXXX, in this discussion, I was told that they were still awaiting the part and would call me back once arrived. This is after 2 years of the car being there. Today, XX/XX/XXXX I reached out for a status on the vehicle and was told that any vehicle on the premises for over 1 year would or has been auctioned off? I have not received any notification of any potential or warning that my vehicle would be auctioned off, there has not been any exchange of information or release of information, nor any discussion regarding the title of the vehicle, and after requesting all information related to my vehicle, I was told once again to allow them to call me back and I still do not have confirmation on where that vehicle is.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: VA

Complaint narrative:
I used my Cashapp account for direct and normal payments from around XX/XX/XXXX. 

They offered a debit card to use it internationally and that was great until XX/XX/XXXX days ago. 

I complained on their chat and called multiple times to let them know that they have frozen my account access or any activity, they confirmed it was done for security purposes.

I had to pay for accommodation and it wasnt going through, the hotel was patient and allowed me grace of time to pay but cashapp didnt care when I explained so I had to deal with a police situation overseas because of the inconvenience I asked to unfreeze it - after confirming my identity again they confirmed that it will be resolved within 10 business days and that I should keep a lookout for my email. 

I received nothing so I kept reaching back out to them but they keep telling me the same thing without any further explanation or any accountability neither a way to speak to any managerial level or decision makers. 

The amount frozen is XXXX XXXX Please find the attached photos included for further details on the blockage and chat with their team.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the 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. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MA

Complaint narrative:
I am filling a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer protection Act ( CFPA ) .specially, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the errors resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss and I seek appropriate redress on this violations

Company response to consumer: Closed with explanation