vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: I.C. System, Inc.
State: FL

Complaint narrative:
On XX/XX/year> I received an automated phone call with a " Press 1 '' campaign. ( Violation of TCPA ) I never gave express written consent. Once I learned the name of the company and that they are a debt collector. I verbally told them to send a validation of ownership to the address on file and they have 30 days to do so. I also let them know I was in Florida and Florida is a 2 party consent state. I never gave consent. ( violation of Florida Statute 934.03 ). The company refused to acknowledge the debt by saying ; " I don't have a debt. '' Then when pressed the company stated ; " I see 3 debts. '' This is a clear violation of Fair Debt Collection Practices Act ( FDCPA ) otherwise known as 15 USC 1692.

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 2025-10-09 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM 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 2025-10-09 00:00:00
Product: Debt or credit management — Student loan debt relief
Issue: Unauthorized withdrawals or charges — 
Company: Chime Financial Inc
State: FL

Complaint narrative:
One day I deposited {$200.00} into my account and chime snatched it away from me. I called in and begged and pleaded that they return my money back to my card because I really needed it to pay my light bill for me and my children. The agent stated that there was nothing that they could tell me or do about it. I went to through emotional distress because when I returned home from work and my kids returned home from school my lights were off. I then received my direct deposits through them and everytime I did they would take atleast {$100.00} everytime. It happened atleast 10 times before I went ahead and opened up a real bank account because obviously chime is a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This account i am not aware of i am a victim of the XXXX  breach and i have reached out to these company and they have no proof of my signature or contract, the bill statements i hadnt resided there so its irrevant and false

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 2025-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Westlake Services, LLC
State: PA

Complaint narrative:
. I am writing to file a formal complaint regarding the conduct of Westlake Financial Services ( Westlake ). Their repeated and aggressive actions have led me to believe I am being subjected to harassment, aggressive collection tactics, and potentially a scam. 

Details of Harassment and Hassle The date of first contact was XX/XX/year>. Since that date, I have been subjected to constant and excessive contact from Westlake Financial Services. This contact has been highly aggressive and has made me feel harrassed, intimidated, and highly stressed. 

Specifically, the agents contacting me from Westlake have : Called me 6 times in a row between XXXXXXXX XXXX  and XXXXXXXX XXXX. This flagrant violation of normal business hours is deliberate harassment and has severely disrupted my sleep and well-being. 

Called and became very aggressive about a payment even though I had informed them I was going through postpartum recovery and was financially struggling. Despite me communicating my personal and financial hardship, the Westlake agent chose to intensify the situation and apply inappropriate pressure.

I have asked them on the phone ; in to cease or limit contact, but they have failed to respect my wishes and have continued to hassle me.

Failure to Provide Requested Settlement Documentation During one of the conversations with a Westlake Financial agent on or about [ XXXX XXXX ], they offered me a settlement amount of XXXX instead of the XXXX to resolve this matter. I explicitly requested that they immediately send me a formal, written copy of this settlement offer that clearly outlined the terms. 

To date, Westlake Financial has failed to send this document despite my explicit request ( s ). This refusal to provide essential, written documentation is highly suspicious and makes me believe that this entire situation is not legitimate, and I am being scammed. A legitimate financial institution would readily provide a written settlement offer to confirm the terms of a settlement.

My Request to the CFPB I am requesting that the CFPB investigate Westlake Financial Services for their extreme and harassing collection practices, their failure to comply with my request for critical documentation, and the strong possibility of fraud. I also request that they cease all further contact with me until this matter is resolved through the appropriate regulatory channels.

I will provide copies of any relevant documentation, including [ List any documents you have, e.g., call logs, emails ], upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-09 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-09 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: NC

Complaint narrative:
This is my fourth dispute, and you are now bordering on willful noncompliance with federal law. Under FCRA 1681n, consumers may sue for willful noncompliance and seek statutory damages. You are also in violation of the Consumer Data Industry Association ( CDIA ) standards, and possibly breaching FTC guidelines on fair reporting. I demand immediate deletion of all unverifiable, inaccurate, or misrepresented data before I initiate formal regulatory complaints and legal proceedings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: AR

Complaint narrative:
I am a hardworking individual has been diligently paying my accounts on time for the quite a long time. However, upon reviewing my credit report, I discover several instances of late payments recorded by these creditors. Perplexed by this discrepancy, I contacted these creditors to inquire about the inaccuracies. After discussing the matter with a customer service representative and the billing department, it becomes evident that there was a mutual agreement between me and these creditors to adjust the payment schedule due to unforeseen circumstances. Despite adhering to this adjusted schedule, the payments were mistakenly marked as late in the system. Understanding the gravity of the situation, these creditors swiftly acknowledge the error and assures me that the inaccurate late payments will be rectified. Additionally, they offer to provide written documentation of the agreed-upon payment schedule to prevent any future misunderstandings.

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: MS

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
XXXX from Community choice Financial keeps calling, every single day, multiple times a day and leaving the same robotic voicemail. The calls originate from XXXXXX/XX/XXXX. Im not sure who this or why they are contacting me. Every time I block a number, they call from a new one. Im extremely frustrated with the constant phone calls from this person. I have no dealings with Community Choice financial and the voicemails never leave any actual information. One time I answered the call while they were leaving a voicemail to tell them to leave me alone and the voicemail continued as if it wasnt a person but a system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NV

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-09 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: NH

Complaint narrative:
I HAVE DISPUTED AN OLD XXXX XXXX  ACCOUNT THAT WAS CHARGED OFF XX/XX/XXXX. I CONFIRMED THIS WITH XXXX XXXX  AND ATTACHED THE EMAIL FROM XXXX THAT THE ACCOUNT WAS IN FACT CHARGED OFF XX/XX/XXXX. THE NOTICE THEY SENT WAS EARLY XXXX BUT THE ACCOUNT FORMALLY CHARGED OFF IN XX/XX/XXXX. MY REPORT SHOWS SEVERAL MONTHS OF NO DATA AND THEN A CHARGE OFF XX/XX/XXXX. THIS IS INCORRECT. I HAVE DISPUTED THIS XXXX TIMES NOW AND THE INFORMATION COMES BACK " VERFIED. '' IT IS IMPOSSIBLE THAT THE CREDIT BUREAU CONDUCTED ANY INVESTIGATION INTO THIS. XXXX  THEMSELVES TOLD ME VERBALLY AND BY EMAIL THAT THE CORRECT DATE IS XX/XX/XXXX ; NOT XX/XX/XXXX. 

I HAVE ATTACHED THE EMAIL PROVING THIS FACT. THE CREDIT BUREAU IS CONDUCTING SHAM INVESTIGATIONS. THIS IS BLACK AND WHITE AND THEY REFUSE TO DO WHAT THEY ARE REQUIRED TO DO BY THE FCRA. THIS ACCOUNT SHOULD BE DELETED AS IT HAS ADVERSELY AFFECTED MY CREDIT FOR XXXX YEARS NOW AND IS WRONG INFORMATION!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: NH

Complaint narrative:
I HAVE DISPUTED AN OLD XXXX XXXX  ACCOUNT THAT WAS CHARGED OFF XX/XX/XXXX. I CONFIRMED THIS WITH XXXX XXXX  AND ATTACHED THE EMAIL FROM XXXX THAT THE ACCOUNT WAS IN FACT CHARGED OFF XX/XX/XXXX. THE NOTICE THEY SENT WAS EARLY XXXX BUT THE ACCOUNT FORMALLY CHARGED OFF IN XX/XX/XXXX. MY REPORT SHOWS SEVERAL MONTHS OF NO DATA AND THEN A CHARGE OFF XX/XX/XXXX. THIS IS INCORRECT. I HAVE DISPUTED THIS XXXX TIMES NOW AND THE INFORMATION COMES BACK " VERFIED. '' IT IS IMPOSSIBLE THAT THE CREDIT BUREAU CONDUCTED ANY INVESTIGATION INTO THIS. XXXX  THEMSELVES TOLD ME VERBALLY AND BY EMAIL THAT THE CORRECT DATE IS XX/XX/XXXX ; NOT XX/XX/XXXX. 

I HAVE ATTACHED THE EMAIL PROVING THIS FACT. THE CREDIT BUREAU IS CONDUCTING SHAM INVESTIGATIONS. THIS IS BLACK AND WHITE AND THEY REFUSE TO DO WHAT THEY ARE REQUIRED TO DO BY THE FCRA. THIS ACCOUNT SHOULD BE DELETED AS IT HAS ADVERSELY AFFECTED MY CREDIT FOR XXXX YEARS NOW AND IS WRONG INFORMATION!

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 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

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 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Tried to make a deposit through atm had to add cash in XXXX stages because of number of bills. ATM only accepts XXXX bills at a time. ATM accepted XXXX $ of deposit when I added XXXX $ the atm froze up and did not credit my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
I disputed a transaction through Cash App in the amount of {$350.00} due to a fraudulent or scam-related purchase. On XX/XX/scrub>XXXX XXXX XXXX I received the results of my dispute, and Cash App declined it. I was not provided with a reason or explanation for the denial, and the notification stated that the decision would not be reviewed again. 

On XX/XX/year>, I contacted Cash App customer support to seek clarification regarding the outcome. During the call, the support agent advised me that my dispute had been closed in error. Based on the information I provided, the agent offered to reopen and resubmit the dispute for review. 

As a result of this initial error, I now have to wait several additional days for my claim to be investigated again. Cash Apps failure to properly investigate the original dispute and the subsequent delay in resolution demonstrate a lack of effective dispute handling and timely customer support.

Company response to consumer: Closed with explanation