vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am a XXXX XXXX customer trying to use Zelle money transfer service. I contacted Early Warning Services for issues using Zelle. Early Warning Services asked me to contact my bank. However, XXXX XXXX informed me Early Warning Services has placed a security restriction on my account and only Early Warning Services can remove the restriction in order for me to use Zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, I notified Cherry Technologies by phone of a fraudulent loan opened in my name ( Contract ID : XXXX ). The account was fraudulently opened under my maiden name, XXXX, using an old phone number that I have not had in over 10 years. On XX/XX/year>2025, I submitted an FTC Identity Theft Report and police report to support my claim under the Fair Credit Reporting Act ( FCRA 609 ( e ) ).

Under the law, Cherry Technologies was required to provide me with all business records related to the fraudulent account within 30 days, including the original signed application, any associated correspondence, transaction records, and identifying information used to open the account ( e.g., phone number, email, or IP address ).

Cherry Technologies later requested additional identity verification through XXXX, which I completed on XX/XX/year>2025. However, despite having my current and correct mailing address, they did not provide the required documents by the statutory deadline of XX/XX/scrub> 2025. After repeated follow-ups, the only item they eventually mailed was a copy of a generic loan agreement with my name and address, but no signature, no application details, no correspondence, and none of the identifying information used by the fraudster.

Furthermore, Cherry Technologies had my correct mailing address at the time the fraudulent account was opened, but I never received any loan agreement or account documentation when the contract was allegedly created. By law and standard lending practice, I should have been sent this agreement at the time the account was opened. Their failure to provide this documentation not only prevented me from identifying and disputing the fraud earlier, but it also deprived law enforcement of timely evidence that could have assisted in pursuing the criminal.

Had Cherry Technologies complied with the law and produced the records in a timely manner, I could have addressed this fraud earlier and limited the damage. Their delay not only caused
my credit score to drop by more than XXXX points, but it also deprived law enforcement of valuable time to investigate and potentially apprehend the criminal responsible. By withholding the full documentation, they allowed the fraudster more opportunity to victimize others.

As of today, I have still not received the full set of records required by law. Their partial response does not meet the obligations of FCRA 609 ( e ).

I am requesting that the CFPB investigate this violation and require Cherry Technologies to provide me with the complete documentation as required under federal law. This information is necessary both to protect my identity and to assist law enforcement in pursuing the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: IL

Complaint narrative:
TransUnion XXXX Department, I am writing to formally dispute the reporting of a bankruptcy on my TransUnion credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, consumer reporting agencies are required to ensure that all information reported is accurate, fair, and verifiable. 

The bankruptcy currently listed on my report is either inaccurate, unverifiable, or otherwise does not comply with the requirements of federal consumer protection laws. Because TransUnion can not legally continue to report information that can not be verified with absolute accuracy, I am requesting that this bankruptcy entry be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: HW Holding, Inc
State: OH

Complaint narrative:
Each interaction that I've had to withstand with the debt collector, XXXX XXXX XXXX, was unethical, unfair, and abusive. The company obviously obtained this debt from Hunter Warfield who offered a resolution amount to me of {$1200.00}. After I made Hunter Warfield an offer of {$900.00}, they clearly sold this account to XXXX XXXX XXXX who has continued to harass me with emails that offer to resolve the account for the amount of {$1000.00}. Upon each and every attempt that I've made to settle this account on the phone with XXXX XXXX XXXX for the advertised amount of {$1000.00} their representatives have abused me by yelling, manipulating the truth, failing to properly inform me that the call was being recorded, and disconnecting the call on multiple occasions. They continually badgered me for an amount that was significantly higher than anything I've ever heard of this account resolving for and told me repeatedly that what they advertised for in their resolution email was " not going to happen. '' I take great offense to having this account sold to the deceitful scheming and bait-and-switch tactics that this untrustworthy establishment- XXXX XXXX XXXX- operates by . This is a violation of my personal information as I do not believe this creditor to be honest, based on their intimidation tactics and manipulation of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 






XXXX XXXX Account Number : 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 2025-08-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: BILL.COM, LLC
State: AZ

Complaint narrative:
My business credit card ( XXXX  ) information was stollen. I am a XXXX, Tens of thousands of dollars were charged to my card. Many are transactions at smoke shops. I have never been to these locations in my life. Most are 30-40min drive from where I live. The credit card company has stated for these XXXX of claims that the " Unfortunately, your dispute was resolved in favor of the merchant '' for every single one. After calling, they have refused to allow me to speak to anyone who makes decisions at their company and say they have no way of transferring my call to anyone. 

It is a visa card. Charges should be reversed. I believe this company ( Bill.com or Bill : Spend & Expense ) is complicit in FRAUD as they deny rights to their customers. I have never had this occur in my life. They never sent me a fraud alert and this has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SIMM Associates, Inc.
State: FL

Complaint narrative:
XXXX has filed a debt with a collection agency both XXXX and the agency can not provide me with any details about the debt other than a balance. 

CREDITOR : XXXX XXXX PATIENT BALANCE : {$17.00} You had an account with XXXX XXXX XXXX  account number ending in XXXX As of XX/XX/year>, you owed : {$17.00} SIMM Associates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am contacting you to dispute a fraudulent account listed in my credit file. I have no association with this account and never authorized its creation or use. Its presence is incorrect and causing harm to my creditworthiness.

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 2025-08-20 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: TX

Complaint narrative:
I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 





XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : 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 2025-08-20 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: NC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally lodge a complaint regarding the mishandling and excessive delays in processing my retirement rollover request. 

On XX/XX/XXXX, I received a letter by mail stating that my retirement account was being moved into a retirement plan. That same day, I called Citi and requested that the funds instead be sent to me via check so I could roll them over into my XXXX XXXX retirement account. I was told the check would be issued. 

On XX/XX/XXXX, after not receiving the check, I called again and was informed that my request had never been processed. I was told I needed to submit additional documents and applications to proceed with the rollover. I mailed the documents immediately. 

On XX/XX/XXXX, I followed up and was told a page was missing and that additional items were required. I know with certainty that all pages had been included, as I kept a complete copy for my records. Nevertheless, I resubmitted the requested page, along with proof of address and a copy of my drivers license. 

On XXXX, I was told yet more documents were needed, including a wet signature on the disputed page, another XXXX, and an additional proof of address. I complied immediately. On XX/XX/XXXX, after escalating, I was told the rollover was still pending. On XX/XX/XXXX, I followed up again and was first told it remained pending, but after pressing further, I was informed that a note from XX/XX/XXXX claimed my Social Security number was missingan item I had never previously been asked to provide. 

In between these dates, I made multiple follow-up calls. Each time I was told the process would take 57 business days, yet the delays stretched into weeks. When I asked why, I was told there was nothing more customer service could do, as they had no direct access to the back office handling my request.

This process has now dragged on for more than four months, despite my repeated compliance and timely resubmissions. Citi has repeatedly lost documents, introduced new requirements only after long delays, and failed to act with reasonable diligence. Meanwhile, my retirement funds remain inaccessible. 

While the dollar amount in question is not large, the principle is significant. No other financial institution I have worked with has handled a straightforward rollover in such a disorganized and unprofessional manner. This conduct is unacceptable. 

I request immediate resolution of this matter, the completion of my rollover, and a written explanation of why these repeated errors occurred and what corrective measures Citi will take to ensure this does not happen again. 

Sincerely, XXXX XXXX Please note : The reference number I have for this issue at Citi is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TN

Complaint narrative:
My husband and I filed XXXXXXXX XXXX bankruptcy confirmed in XXXX of this year. Due to needing a vehicle, our trustee approved us to obtain a new vehicle. In XXXX of this year we found a car, got approval from Westlake Financial pending receipt of an approved trustee letter, obtained a deal sheet from the dealership and submitted it to our trustee. The trustee approved it and it was returned to the dealer. The dealer then gave the approval letter to our auto lender and we finalized our paperwork. Since we obtained the vehicle we have been paying the monthly payment through automatic withdrawal from our checking account. When the loan was first set up we were given access to our account through the company website and we could view all the information on our account, make additional payments, or update any information that was needed.

This morning I got a notice that my credit dropped significantly. When I looked at what the cause was it says that Westlake Financial changed the payment history of all our payments since XXXX from Current to Bankrupt. This caused my credit score to drop by XXXX points. I tried to log on to the website and it says the account requires special handling and for more information to contact the bankruptcy department. I then called Westlake Financial 's bankruptcy department and was advised that our account was transferred to the bankruptcy department because we are in bankruptcy. I advised the rep that we obtained this loan after we started bankruptcy and that the loan is not included. I was advised that there is nothing they can do and there is no one that can help me. She stated I would have to call if I ever want any information or want to make any additional payments outside of our scheduled monthly payment. I asked if I could speak with a manager or supervisor to get this resolved and was advised there is no one available as they are in meetings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I am disputing the late payment reported on my credit account. My records clearly show that the payment was made on time. The reported late entry is inaccurate and negatively impacts my credit profile.

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 2025-08-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA

Complaint narrative:
My husband XXXX XXXX recently had his bankruptcy dismissed and now XXXX is advising amount due of over {$5000.00}. However I XXXX XXXX also on the loan has an active bankruptcy where XXXX submitted a proof of claim in the amount of {$4200.00} that I am currently paying. XXXX is also advising do not see my bankruptcy that was filed XX/XX/year>, but they submitted a proof of claim. Our mortgage has been paid on time and in full since I filed my XXXX so no monies is due. Calling the company has been a waste of time and pointless. We need this issue resolved asap.

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 2025-08-20 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX SSN ( last 4 ) : XXXX To : TransUnion LLC XXXX. XXXX XXXX, PA XXXX Re : Cease & Desist and Formal Dispute Under FCRA & USC Dear TransUnion, This is a formal dispute and cease & desist demand under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
Upon reviewing my TransUnion credit report ( dated XX/XX/XXXX ), I identified inaccurate addresses and multiple unverifiable closed, charged-off, and collection accounts. 

DISPUTED ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX Only my current legal address : XXXX XXXX XXXX, XXXX, PA XXXX should be listed. Pursuant to 15 U.S.C. 1681c ( a ) ( 4 ), delete the above obsolete identifiers. 

DISPUTED ACCOUNTS XXXX XXXX  Account # : XXXXXXXX XXXX XXXX XXXX XXXX Status : Charged-Off XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Status : Closed XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Closed XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Status : Closed XXXX XXXX XXXXXXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX  Collection Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account These items are inaccurate, unverifiable, and/or time-barred under FCRA 1681c ( a ) ( 4 ) ( 7-year reporting limit ). 

DEMANDS 1. Delete all obsolete addresses.

2. Remove all disputed accounts unless full legal verification is provided.

3. Provide written confirmation of deletions. 
Failure to comply will result in further complaints to the CFPB, FTC, and Attorney General. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I am disputing an unauthorized charge that Avant LLC allowed on my credit card. On XX/XX/year>, Avant processed an XXXX XXXX charge of {$3800.00}, even though my credit limit is only {$750.00}. This transaction should have been declined but was instead posted to my account. A second charge from XXXX for {$49.00} was posted on XX/XX/year>. 

I only authorized a {$220.00} deposit, which is documented on my XXXX receipt that I already provided to Avant when I first disputed the charge. Avant told me that to reverse the unauthorized charge, I would need to show proof that I paid XXXX with another account. This request is impossible and irrelevant, the problem is that Avant approved and posted an over-limit, unauthorized charge that I never agreed to. 

This is a violation of the Fair Credit Billing Act. I am requesting that Avant

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because my creditors are inaccurately reporting late payments on the following accounts : XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXX XXXX XXXX XXXX XXXX Account ending in XXXXXXXX XXXX XXXX Account ending in XXXX These late payments have not been properly verified. I have already disputed this matter with both the credit bureaus and the furnishers, yet the late payments remain on my credit report without proper validation or supporting documentation. 
Under 15 U.S.C. 1681s-2 ( a ), furnishers are required to report accurate information. Additionally, under 15 U.S.C. 1681i, credit bureaus must conduct a reasonable investigation within 30 days of receiving a dispute. Neither the creditors nor Experian have provided sufficient evidence to support the reporting of these late payments.

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