vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The situation began on XX/XX/XXXX, when transfer # XXXX was made for an amount of USD XXXX. The following day, XX/XX/XXXX, I informed XXXX that the bank details provided corresponded to a closed account. I was advised by XXXX to contact Chase Bank to verify the status of the transfer. 

I visited the branch in person, and the manager informed me that since the account had been closed, the bank returned the money to the sender, which in this case was XXXX. They provided me with proof of the return of the funds and another document indicating that the account had been closed in XXXX. 

I reached out to XXXX, and they stated that they had immediately requested a funds recall from their banking partner. This is a standard procedure used to attempt recovery of improperly transferred funds. 

On XX/XX/XXXX, XXXX informed me that the recall procedure was unsuccessful. The bank communicated that the payment was successfully credited to the account I provided, with no correction or return of the funds to XXXX. In short, I feel as though I am being passed around without a clear resolution, and I still do not know the whereabouts of my money. They advised me that in order to recover the funds, I should contact the recipient bank in the United States directly. They suggested that I present the attached documents when reaching out to the financial institution to locate the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: Westlake Services, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I got a car from American car center and they filed for bankruptcy in XX/XX/year> but closed their doors on XX/XX/year> since then I was informed that Westlake Portfolio Management is collecting in place of American car center and said they had a contract I signed with Westlake Portfolio Management i requested that contract they never provided it to me. I paid them XXXX so far. I also went to. Secatery of state here in GA and was advised from dmv to send a certified letter to AMERICAN CAR CENTER PROVING THEY ARE NOT OPEN and the letter was returned I asked Westlake Portfolio Management who hold the title they said American car center have it i advised this to the DMV AND SECRETARY OF STATE OF GA HERE WHERE I LIVE AND THE CONFIRMED THAT XXXX IS THE TITLE HOLDER WHICH IS AMERICAN FINANCIAL CO WHICH IS THE FINANCIAL DEPARTMENT THAT WAS WITHIN AMERICAN CAR CENTER OFFICES WHERE PAYMENTS WAS BEING MADE. BUY HERE PAY HERE. i asked them to. Come get the car they ( Westlake Portfolio Management ) is refusing to come get the car and is initially damaging my credit even when I was paying them .. please help this is illegal and not right I have a therapist now I am so. Stressed. And having health issues due to the stress of this on going matter its been 3months and they still haven't picked up the car. Consultant with multiple attorneys who all agreed the contract was breach with ACC and Westlake Portfolio Management will need to have a new contract in order to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN : XXXX XXXX XXXX  XXXX Date : XXXX Subject : Identity Theft Request to Block Information under 15 USC 1681c-2 To Whom It May Concern, I am requesting the immediate blocking of fraudulent accounts that were opened without my authorization in accordance with 15 USC 1681c-2. 

The following accounts must be blocked : 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 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 XXXXXX/XX/XXXX I am including the following required documents : Government-issued ID Proof of address FTC Identity Theft Report Under 15 USC 1681c-2, you must block this information within 4 business days and notify the furnisher ( s ) to stop reporting. 

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 non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/2025 a credit was issued for {$8000.00}. I requested a check for the credit balance in writing by letter, by email and by phone. By law it has to be refunded within 7 days. it is now almost a MONTH!!! PLEASE FIND WELLS FARGO FOR BREAKING THE LAW!!! 
PLEASE SEND MY CHECK AS SOON AS POSSIBLE!!!

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 2025-11-20 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: VA

Complaint narrative:
I am writing to dispute the following accounts reported on my credit file by Experian. I have been the victim of personal information exposure due to several data breaches, and these accounts are inaccurately reported. I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off 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 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Please help trying to get a home, Dispute letters are in pdf, really appreciate the help OTHER LOANS XXXX Reported : XX/XX/XXXX XXXX Reported : XX/XX/XXXX XXXX Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX {$1300.00} ( Closed ) Other Accounts XXXX In good standing ( Not negative )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: HW Holding, Inc
State: FL

Complaint narrative:
HWARFIELD is falsely reporting on my credit. I have never had any accounts with them. Per my research HWARFIELD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
When we originally signed up for this loan both my husband and I asked the woman who signed us up I be, I eve her name was XXXX, we asked if we could make a payment ahead of schedule without any issues and she said we could .. our first payment was scheduled for XX/XX/year> for {$340.00}, so we made that {$340.00} payment on XX/XX/year>. On XX/XX/year> One Main Financial took out an additional {$340.00} after it was originally paid on XX/XX/year>. We have spoken with XXXX at One Main financial and explained to her what happened. She stated what information that was needed to refund our money. I submitted everything that my bank told me to give to them and on XX/XX/year> XXXX called and said they couldnt refund the money because they needed to see what the beginning balance was before they took the money out. My husband and I dont understand why they are asking us to jump hoops to get money back that they didnt deserve to have in the first place since they were already paid for XXXX, they are refusing to give us back our money even after I submitted everything that I could and they are still asking for more!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$140.00} - Date Opened : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - Balance : {$1200.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
I've been a victim of identity theft and fraud for years now and my credit information has been great affected by this It's been clearly confirmed that hackers are using my information I've placed freezes on my credit & everything yet still this is happening XXXX current recent letters confirms again that my personal information has been exposed again I am also a victim of the massive XXXX XXXX XXXX breach as well Please help me remove these negative things from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
I am filing a complaint against TitleMax regarding a deceptive and coercive title loan transaction that took place in XX/XX/year> at the TitleMax location in XXXXXXXX XXXX 

I went to TitleMax to borrow {$3000.00}. The employee told me I had to accept a much larger amount because they could only deposit the amount I asked for automatically and that the rest would be issued as a check that I would hold and then return as money orders. This was false and misleading. 

The employee rushed me, pressured me, and coerced me into accepting a {$13000.00} loan over {$10000.00} more than I requested or needed. I explained that I did not want or need that amount, but I was told I had no choice and I was in a desperate situation at the time. 

This conduct is deceptive, coercive, and predatory. It violates the Georgia Fair Business Practices Act, constitutes fraudulent inducement, and appears to involve illegal loan-padding intended to inflate interest and fees. I was misled into signing a loan under false pretenses. 

I have all documentation, including : loan contract copies of the check and bank deposit receipts written correspondence notes and timestamps of the employees statements I am requesting investigation and assistance, including correction of the loan, removal of improperly added amounts, and refunds as appropriate. I am willing to provide all documentation upon request. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL

Complaint narrative:
The collection agency took me to small claims court. The judge dismissed the case with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: VA

Complaint narrative:
I was shocked to discover that my credit report has been improperly accessed. Multiple applications were made in my name, and these companies pulled my credit report without my consent or authorization. I do not recognize these inquiries, nor did I apply to or engage with any of these entities. This situation is deeply alarming and a clear violation of my rights as a consumer. As a law-abiding individual, it is absolutely insulting and distressing to see my information mishandled in this way.

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 2025-11-20 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: CA

Complaint narrative:
I am writing this complaint with absolute certainty and extreme frustration. There are multiple errors on my credit report that I can no longer ignore, as they have been negatively affecting my life and damaging my credit score, making it increasingly difficult to achieve financial stability and freedom. These inaccuracies are unacceptable, and the ongoing impact has become overwhelming.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harley Davidson Financial Services Inc
State: OH

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation