vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
I am disputing the following information on my Experian credit report. These items are either inaccurate, incomplete, or unverifiable. I respectfully request that these items be thoroughly investigated and updated in accordance with the 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-11-12 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:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-12 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX, XXXX  and Experian are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Basically, I had a dispute it with charges regarding WHATNOT an auction site that I was buying XXXX from to resell as my little side hustle. Basically I started buying them right away a lot of them and what happened was once I started getting the packages. I realized that these packages are either fraudulent or they have been tampered with meaning that theyre not true XXXX XXXX  and they are not appropriate for resale so they were promising me that they were brand new and they were XXXX, but they were not they were all tampered with. They were every single seller lies on that site regarding selling XXXX. They all tamper with the boxes to make sure that if theres a rare item they can take it for themselves. So I wanted to do returns and what not was backing up the lying sellers and saying that theyre not going to accept my return and they wouldnt provide me with any information so needless to say I finally just took the last box that came to me last couple of boxes and I put everything in a huge humongous box and I returned it. I refused it. Basically I took a label that they had sent me stuff too, and I used that address and I returned everything to them. Now, during this time I was trying to appeal the dispute because they had been filed under the wrong category and every time I called customer service at Citibank business checking, they would say that oh theyre working on it or they dont have an appeal I have sent an appeal about XXXX times. I have written them over XXXX times email I have mailed them information. I have filled out about XXXX forms by hand and emailed and mailed and faxed them to Citibank and I still do not have my money. What is so interesting is that they gave me temporary credit but they took that away without even a notice without even calling me without even discussing anything with me without even checking with me, they took that money away within a week, but I have been appealing this dispute for the last XXXX weeks and nothing has happened. I returned everything to why not on XX/XX/year> and it was received it was delivered to what not in the Southern California area on XX/XX/year> so what is the hold up with my refund? Why are they so quick to take my money away, but they cant give me my money back? Why is my account still- {$12000.00}? What is going on? Nobody can tell me nobody not to mention that it was more than {$21000.00} that I needed to dispute anyhow I am at a loss. I dont know what to do. I really need my money 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 2025-11-12 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: AL

Complaint narrative:
I am disputing the following accounts with TransUnion. I believe the reported information is incorrect, and I request a full investigation into these accounts for accurate reporting.

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

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 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: SC

Complaint narrative:
On XX/XX/year>, my vehicle was wrongfully repossessed by Westlake Financial. My auto-pay had been canceled due to a returned payment issue with my bank, but I was never notified that the payment failed, that auto-pay was stopped, or that repossession was possible. No phone calls or mailed notices were sent to my current contact information, even though Westlake had my correct phone number, which their automated system immediately recognized when I called. 

After discovering the repossession, I acted in good faith and paid {$1000.00} to bring my account current, even though I only owed {$670.00} in missed payments. I was told there would be additional repossession fees, despite my good-faith payment. Westlake confirmed that my vehicle had been released to me, but I have still been unable to retrieve it. The storage facility where my vehicle is held in XXXX, SC refuses to answer calls or provide access. 

I have contacted Westlake multiple times, but am told no supervisors are available, calls are disconnected, and customer service is unhelpful. I have six payments remaining on this vehicle, and I have acted responsibly at all times. Despite full payment and release, I am being denied reasonable access to my property. 

I am requesting immediate action to ensure my vehicle is returned to me in XXXX, SC, without additional fees, that this wrongful repossession is documented as an error, and that any negative reporting or charges are removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-12 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: TX

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of 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
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Paypal Holdings, Inc
State: NC

Complaint narrative:
Was charged twice by an unknown merchant. One charge for {$0.00} and one for {$14.00}. Disputed both. Paypal decided in my favor on the XXXX cent charge that I did not receive anything. They decided in sellers favor for {$14.00} charge. I appealed it and asked for the supposed proof the seller provided. They again closed the case in the seller 's favor without showing me any proof. Merchant 's name is written in another language & I don't know who they are.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-12 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: FL

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: MO

Complaint narrative:
I made a cashapp and someone sent me {$30.00} and so I tried to withdraw it and it banned me from cashapp and so now it says I can only withdraw my money because my account is banned. Well, I try to withdraw it instantly with a card and it just says failed ( tried multiple cards ) and so I decided to try and do standard to wait a few days through a bank account ( plaid ) and it just says withdraw failed with no other information I tried XXXX bank accounts and XXXX debit cards I have. I cant refund the {$30.00} because it says only can withdraw and it won't let me even do that this has been over a week and I contacted cashapp support and it's just ai and even a " manager '' thats Also giving me same runaround. I just want. My {$30.00}. Thank yoh

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: LA

Complaint narrative:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: VA

Complaint narrative:
This is in reference to complaint number XXXX and number XXXX along with number XXXX. 

I want to know why they closed my dispute they sent me nothing no documents or anything. Chime stoled XXXX dollars from.me and they lied. I sent them proof XXXX XXXX reversed the transactiona and then on XX/XX/XXXX XXXX of their dispute representives said over the phone on a recorded line tbat I recorded myself and Chime recorded on their end that I will guarantee get my {$1100.00} dollars back by the XXXX of XX/XX/year>. Guaranteed no other explanation all I have to do is wait. Now they say I won't get it back and they closed my case. Now I am out {$1100.00} even though I sent them proof XXXX XXXX took it from me they lied. They caused my credit to have a bad mark on it they atoled money they lied they said on XX/XX/XXXX around XXXX XXXX  I WAS GUARENTEED IT BACK ONTO MY CHIME ACCOUNT BY XX/XX/XXXX I got the recording. They are liars Chime is XXXX liars and thieves Chime got the recording they know what they said now its a different story and they closed my case without giving me the XXXX back they stoled from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: HW Holding, Inc
State: NC

Complaint narrative:
On or about XX/XX/year>, XXXX XXXX XXXX began reporting a collection account in the amount of {$620.00} on my credit report. I contacted the company and requested full validation of the alleged debt, including the original creditor, an itemized statement, and proof that they have the legal right to collect or report this account. The company failed to provide this information and continued to report the account as open and in collection. This reporting is inaccurate and has negatively affected my credit. I am requesting that this account be investigated and deleted from my credit reports if proper validation can not be provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: TX

Complaint narrative:
Having reviewed my credit report, I detected inaccurate accounts that did not arise from any error on my part.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-12 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Returned call from yesterday XX/XX/year> XXXX and found out it's resurgent from a student loan that was originally XXXX, they say I owe over XXXX. The lady on the phone was rude and talking over me and I told her do not contact me again

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
I am including screenshots as proof from my XXXX XXXX XXXX and Concoras XXXX XXXX XXXX claim. These demonstrate that I did not receive the appropriate documents, even though all required files were uploaded to my XXXX XXXX account. In addition, I received a call from XXXX XXXX XXXX on Friday, XX/XX/year>, during which I informed them that I had uploaded all forms and completed the benefits form on XX/XX/year>. Despite this, they claimed they did not receive the submission.I was also told on XX/XX/year>, XXXX PM phone call that someone from the Concora Credit XXXX would reach out to me but they never did, which I believe is another stall tactic to not approve my XXXX XXXX benefits.My fear is that Concora XXXX XXXX XXXX is delaying and acting like the forms are not uploaded to deny my payment benefits.

Company response to consumer: Closed with explanation