vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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:
My debit card was hacked for {$1600.00} a purchased made to XXXX XXXX TX XXXX XX/XX/year> but wasn't paid till XX/XX/year>, This purchase was made without my permission and wells frago will not honor my claim because they stated that my card was dipped on the reader n they said I made that transaction there for they will not reinemberse my money, my debit card was on my possession at all times n no one has access to it except me, Wells Frago is doing me an unjustice because I have never been in that location much less make a transaction like that, please help me retrieve my money from them I am XXXX XXXX XXXX XXXX I am retired I can't lose that amount of money out of my checking. Thanking you in advance XXXX XXXX if u need more info please contact me on the on my email.

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 2025-10-28 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: FL

Complaint narrative:
XX/XX/year> I received a email stating my card was deactivated. 

XX/XX/year> I contacted support to inquire as to why my account was deactivated. Was informed due to gambling. I asked based of what charges of activity did they base that accusation on. None was provided. XXXX offered to forward an appeal if I wished. I said yes. 

XX/XX/year> I was informed my appeal was denied. With no further explanation as to what lead to the accusation that I had used it for gambling and zero proof they investigated said allegation. Zero proof of gambling was provided. Who knows what the decision was based on. 

XX/XX/year> I contacted support to request more information and sent screenshots of my purchases which are from nation wide corporate stores and streaming services, as well as my fiance who uses it to send me money when he is at work. I'm a stay at home mom. I was given no explanation. 

Customer service has been no help, appeals department never even contacted me before making their decision. 

I do not gamble I never have. I don't use the crypto currency or investment areas on cash app just the debit card for purchases as well as an easy way to receive funds. I did some research and found this is something other customers are experiencing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MS

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX- {$5400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$18000.00} NXXXX XXXX XXXX XXXX XXXX XXXX  {$4600.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: GA

Complaint narrative:
I tried signing up for a new cashapp account for some odd reason it keeps telling me my account is closed when Ive never had XXXX before somebody stole my identity and made a fake account with my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Alorica Inc.
State: TX

Complaint narrative:
My account with SST was fully paid off over two weeks ago, yet the company has failed to release my {$3000.00} savings account that was being held as collateral.

There are no remaining balances or obligations on the account. I have contacted SST and sent a formal written request for the funds to be released, but I have received no response or explanation for the delay.

This failure to release funds in a timely manner is unreasonable and has caused unnecessary financial hardship. I believe SST is mishandling my account and violating fair account management standards by withholding my money after the account was settled in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
XX/XX/year> filed disputes and the disputed came back verified and no change to my report so i decided to escalate it and file a complaint with the cfbp. 
XX/XX/year> I am writing to formally request the method of verification that your agency used to determine the accuracy and completeness of the information listed below in my credit report, as provided for by the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) .Please provide me, within XXXX  days of receipt of this letter, a detailed description of the procedure you used to verify the disputed information, including : The business name, address, and telephone number of each furnisher of information contacted in connection with this reinvestigation. 
The name of the person with whom you verified the details. 
The documentation or communication methods used to verify the information. 
The date ( XXXX ) of contact and the results of the reinvestigation. 
Disputed Item ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payments : XXXX  XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under : 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) Section 2 which states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand my late payments be updated to paid on time according to these XXXX laws If you can not provide proper verification for the information requested and valid supporting documentation, please remove the above-mentioned disputed item ( XXXX ) from my credit report immediately and permanently, as required by law. XXXX to do so will result in me filing a formal complaint with the Consumer Financial Protection Bureau { CFPB }. Please also provide me with a copy of my updated Credit Report after any updates to my report. Thank you for your prompt attention to this matter Sincerely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: OH

Complaint narrative:
XX/XX/year> filed disputes and the disputed came back verified and no change to my report so i decided to escalate it and file a complaint with the cfbp. 
XX/XX/year> I am writing to formally request the method of verification that your agency used to determine the accuracy and completeness of the information listed below in my credit report, as provided for by the Fair Credit Reporting Act, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) .Please provide me, within XXXX  days of receipt of this letter, a detailed description of the procedure you used to verify the disputed information, including : The business name, address, and telephone number of each furnisher of information contacted in connection with this reinvestigation. 
The name of the person with whom you verified the details. 
The documentation or communication methods used to verify the information. 
The date ( XXXX ) of contact and the results of the reinvestigation. 
Disputed Item ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Payments : XXXX  XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under : 15 USC 1681 section 602 which states that I have the right to privacy 15 USC 1681 section 604 ( a ) Section 2 which states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681b ( 2 ) And 15 USC 1666b which states A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. I demand my late payments be updated to paid on time according to these XXXX laws If you can not provide proper verification for the information requested and valid supporting documentation, please remove the above-mentioned disputed item ( XXXX ) from my credit report immediately and permanently, as required by law. XXXX to do so will result in me filing a formal complaint with the Consumer Financial Protection Bureau { CFPB }. Please also provide me with a copy of my updated Credit Report after any updates to my report. Thank you for your prompt attention to this matter Sincerely

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 2025-10-28 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:
I am submitting this formal complaint regarding inaccurate and unlawful reporting on my consumer credit file. The credit bureaus and furnishers have failed to comply with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other related consumer protection laws. My file reflects false, unverifiable, and outdated information that continues to cause harm to my creditworthiness and reputation. I am requesting that the Consumer Financial Protection Bureau investigate the following items thoroughly and ensure all inaccurate information is deleted or corrected in compliance with federal law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address has never been associated with me and should not appear on my credit report. Reporting this false address violates FCRA 607 ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy. It must be permanently deleted from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX This address is also inaccurate and unverifiable. Including it violates FCRA 611 ( a ) ( 5 ) ( A ), which mandates deletion of unverifiable information. Its presence suggests incomplete verification and noncompliance with federal standards. Please remove it immediately. 

XXXX XXXX XXXX * * Date Opened : XX/XX/year> | XXXX XXXX : {$12000.00} This account is reported as a charge-off without proof of ownership, proper validation, or a lawful assignment of debt. Reporting a charge-off without verified documentation violates FCRA 623 ( a ) ( 1 ) ( A ) and FDCPA 809 ( b ), as it falsely represents my financial obligation. Under FCRA 611, any unverifiable information must be promptly removed, and failure to do so constitutes reckless disregard of my consumer rights. 

I respectfully request that the Consumer Financial Protection Bureau investigate these violations and compel the furnishers and credit bureaus to provide complete validation or permanently delete these items from my credit file. I expect written confirmation of receipt and resolution in accordance with FCRA and CFPB complaint procedures.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This complaint is not a mistake. My credit report contains clear inaccuracies that fail to meet the required standard of maximum possible accuracy under the Fair Credit Reporting Act. These errors have caused ongoing harm to my credit and financial standing.

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 2025-10-28 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: TX

Complaint narrative:
Kindly verify this entry its overdue and could be wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

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 2025-10-28 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: DC

Complaint narrative:
Reference Original CFPB Complaint # XXXX TransUnions response is false, non-compliant, and intentionally misleading. I personally filed the original complaint not a third party or credit repair company and submitted over twenty supporting documents, including government-issued identification, proof of address, dispute letters, bureau responses, and XXXX XXXX  XX/XX/scrub> 2025 account statement. Their claim that the request did not come from me or someone authorized is a fabricated excuse meant to avoid performing a lawful reinvestigation under 15 U.S.C. 1681i ( a ) ( 1 ).

TransUnion ignored all evidence and exceeded the FCRAs response timeframe. Their Closed with explanation letter contained no findings, no documented reinvestigation, and no adherence to the XXXX XXXX Data Furnisher Reporting Guidelines. Under XXXX XXXX, TransUnion is required to ensure : Correct reporting of Account Status, Special Comment Codes, and Balance Information ; Full alignment with Base Segment requirements for charged-off or repossessed accounts ; and Proper reinvestigation and update of data in accordance with FCRA 611 ( a ) ( 5 ).

Instead, TransUnion issued a boilerplate response and directed me to their own dispute portal after the response deadline to restart the process and reset the investigation clock. This is a willful attempt to evade compliance with FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) and the XXXX XXXX standards recognized by the CFPB, FTC, and XXXX. 

I am requesting that this complaint be reopened, expedited, and escalated for supervisory review. TransUnion must be held accountable for misrepresentation, failure to conduct a lawful reinvestigation, and ongoing reporting of inaccurate data. The CFPB already possesses all supporting evidence ; TransUnion must review it and comply with XXXX XXXX and FCRA requirements. 

All previous documents and supporting info is still uploaded and available to assist with this. In good faith I am going to upload my license and another document again with this

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 2025-10-28 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: GA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
Applying whole car payments to interest and none to principal just want my money back and they can get they car

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: AL

Complaint narrative:
First let me say that weve never missed a mortgage loan payment ever. We always use online banking so that we can go back and print out exactly what our payments were made and to whom for accounting. We do not setup automatic debits for that reason. 
Shellpoint bought our mortgage back in XXXX. We have not had any problems until XX/XX/XXXX and XX/XX/XXXX. On both of these occasions our online banking paid the payment and you also debited our account causing a {$30.00} NSF each time. In XX/XX/XXXX, we had the funds in our account so we let it go ahead and just pay ahead and stopped our online banking for that month. Then it happened again in XXXX, XXXX. Unfortunately for us we did not have the funds to pay double payments and it debited our overdraft protection to make that payment. 
I called today to talk to Shellpoint customer service team leader XXXX XXXX after talking to a regular representative who was not able to help me. I asked for the {$60.00} be refunded to the account because we did not authorize an automatic debit and this has never happened to us before. I was informed by XXXX that the only way to get a refund was to file a complaint or dispute. I was also informed by XXXX that the account was sold to you with an automatic debit included. I need the documentation showing where Shellpoint had authorization to do an automatic debit. As I stated earlier, we do not do automatic debits from our account for obvious reasons like this. I received a notice from Shellpoint that our automatic draft payments have been canceled. And thankful for doing that because they had no authorization to debit. 
Im asking for this {$60.00} be refunded because Shellpoint was double paid for each of these months through no fault of ours. I do not know what happened for these errors to occur ; I assure you we have never missed a mortgage payment and we should not be penalized financially for this error. 
I would like to receive verification of a {$60.00} refund from Shellpoint as soon as possible for the above referenced loan. Thank you for your immediate attention to this request. 
Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation