vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I need to dispute a charge of {$460.00} on XX/XX/XXXX for I never requested for the services I was charged for and I already requested the merchant to give me the refund with a email evidence attached from XX/XX/XXXX. The merchant was greedy and evil minded. Instead of giving me a refund for I didnt receive nor request for any services from this merchant since then, I got another big charge of {$1700.00} without my authorization. I informed Citi Bank right away to help me resolve the dispute, and I even talked to a supervisor called XXXX from Citi Bank on XX/XX/XXXX regarding this dispute. I followed the instructions from the Citi Bank representative over the phone and mailed a letter to XXXX. XXXX XXXX, XXXX XXXX, SD XXXX for them to resolve the dispute for me. I already disputed this charge since early XXXX this year in XXXX within XXXX  months since this charge happened, but Citi bank kept delaying the process and requested me to send out another letter to dispute the same charge again. The instructions of Citi Bank representative were misleading. I followed everything I was told to request for disputing this charge, but Citi Bank failed to help me and they violated my consumer rights for not helping me to get this dispute resolved. I never received nor requested any kind of services from this merchant who charged me {$460.00} on XX/XX/XXXX and {$1700.00} on XX/XX/XXXX. I never signed any contracts with them nor authorized them to continuously charge me for services that I never received nor requested for. This was a XXXX. How can I get charged for so much for nothing?! Citi bank must help me resolve this dispute and give me back {$460.00} and {$1700.00} to my Citi XXXX XXXX XXXX ending with XXXX ( old card ending with XXXX ). Citi Bank can not use the time period as an excuse to dismiss my request for disputing the charge. Because it was Citi Bank who delayed the process for helping me to resolve these disputes. I first requested to resolve this disputes in early XXXX since XX/XX/XXXX. Now already over XXXX  months and almost XXXX  months, they still have not resolved my disputes.

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 2025-07-02 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: OH

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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am filing a formal dispute regarding outdated and inaccurate personal information being reported by one or more consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ).

After reviewing my credit report, I discovered that it contains incorrect and obsolete personal information, including former names, outdated addresses, and/or employers that are no longer accurate or verifiable. This information does not match my current government-issued identification or proof of residence, and therefore should be permanently removed. 

In addition to the removal of outdated and inaccurate personal information, I am requesting full disclosure of the investigation process conducted in response to this dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) of the Fair Credit Reporting Act.

Specifically, I am requesting the following : The method and scope of the reinvestigation conducted ; The exact dates the investigation was initiated and completed ; The name, address, and contact information of each party or data furnisher you communicated with to verify the disputed information ; A summary of the results, including what documentation was used to verify or continue reporting the disputed information, if applicable. 

If the information can not be verified, it must be deleted in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to provide this information may constitute noncompliance with the FCRA, and I reserve the right to file additional complaints and seek damages under 1681n and 1681o, including {$1000.00} per violation and any actual damages sustained.

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 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I am filing a formal dispute regarding outdated and inaccurate personal information being reported by one or more consumer reporting agencies in violation of the Fair Credit Reporting Act ( FCRA ).

After reviewing my credit report, I discovered that it contains incorrect and obsolete personal information, including former names, outdated addresses, and/or employers that are no longer accurate or verifiable. This information does not match my current government-issued identification or proof of residence, and therefore should be permanently removed. 

In addition to the removal of outdated and inaccurate personal information, I am requesting full disclosure of the investigation process conducted in response to this dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) of the Fair Credit Reporting Act.

Specifically, I am requesting the following : The method and scope of the reinvestigation conducted ; The exact dates the investigation was initiated and completed ; The name, address, and contact information of each party or data furnisher you communicated with to verify the disputed information ; A summary of the results, including what documentation was used to verify or continue reporting the disputed information, if applicable. 

If the information can not be verified, it must be deleted in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ).

Failure to provide this information may constitute noncompliance with the FCRA, and I reserve the right to file additional complaints and seek damages under 1681n and 1681o, including {$1000.00} per violation and any actual damages sustained.

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 2025-07-02 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:
I am filing a formal dispute against an unauthorized XXXX  inquiry listed on my credit report. I did not authorize this inquiry, nor did I initiate any financial relationship that would justify it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
On the date of XX/XX/year>, the company by the name of " CREDIT MANAGEMENT COMPANY '' placed an collection on my credit report in the amount of " ( {$930.00} ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: IL

Complaint narrative:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under USC 1681g, I am formally requesting that they be removed within 15 days. All supporting documentation has been provided for your review. It is also important to note that each credit bureau is reporting different and inaccurate information regarding these accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 non-monetary relief
Consumer complaint received 2025-07-02 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: CA

Complaint narrative:
These inquiries are fraudulent : 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 non-monetary relief
Consumer complaint received 2025-07-02 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: EQUIFAX, INC.
State: CA

Complaint narrative:
These inquiries are fraudulent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of CAR FOOTHILL XXXX, XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENOVA INTERNATIONAL, INC.
State: PA

Complaint narrative:
Netcredit provided a payoff amount, but the original loan balance was roughly {$1900.00}. I have paid Netcredit almost XXXX payments of {$49.00} which amounts to almost {$4700.00}. This loan is predatory and the company has received almost three times the principal loan balance from me. I would like this deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
I have been asking chime to close my account since XX/XX/XXXX of this year all the way to XX/XX/XXXX I been receiving emails that it was closed but earnings have been taking out of my funds for no apparent reason so every time I call chime no one doesn't know how come my account is not closed I even talked to a specialist they said it's closed but it's not. A specialist gave me a ticket number to let me know it's closed but I call them and its not. Please help me with this because I'm tired of this. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: AR

Complaint narrative:
Well the only date I can remember is today XX/XX/year> .. however there have been lots of other phone calls from this company - ( Midland credit management ) they say they are the original owner of the Debt which is not true and the credit card company is they say XXXX XXXX XXXX XXXX And so this morning ( XXXX ) they called and said I owed XXXX I told them that was odd exactly XXXX then he stated well it's actually XXXX which means he's being deceitful and lying on my credit report saying it's from XXXXXXXX XXXX XXXX when it's actually from XXXXXXXX XXXX XXXX which they have already taken from my bank account off of a my debit card that was already closed out from XXXX  XXXX XXXX and trust the bank is the one that allowed them to do that which was wrong on there part they also need to be looked into cause they are treating me unfairly bottom line is they are lying about the account that they bought it from and saying they are the original owners of the account and they are not... they call me all the time harassing me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Block, Inc.
State: FL

Complaint narrative:
I have been an active user of CashApp for XXXX years. I used it for its simplicity and ease. Some of the features thats included is the option to deposit paper money to your wallet which is something I have used for the entirety of having cash app. I opened cashapp and was met with a message saying I no longer have access to deposit money to my account. This is distracting as I only ever use CashApp to do simple things like pay bills or send gas money to my partner. I have never violated or broken terms! I contacted customer service and this is the answer they have gave me. 

I completely understand that you wanted to know the reason why this happened. Unfortunately, I can't provide specific details about why access was revoked or when it might be restored. Paper money deposits eligibility can change over time based on various factors. For the meantime, you can continue adding money through other methods like a linked account, direct deposit, or bank transfer.

I proceeded to ask what changed in my eligibility but was sent the same response. Theirs is no real customer support at CashApp! No explanation and no prior notice that this change on my account was going to happen! This needs to be investigated!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: DE

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
XX/XX/XXXX, Fay Servicing per written notice, acknowledge our XXXX family, our complete Loss Mitigation application to explore and Loan Modification, while in XXXX  XXXX Bankruptcy Automatic Stay. 

Fay Servicing, LLC., violated the ( Ca Civil Code 2923.7 HBOR ) and DUAL TRACKING ) while in Loss Mitigation on XX/XX/XXXX, and Wrongfully Foreclosed on our Real Property at : XXXX XXXX XXXX XXXX XXXX CA XXXX on XX/XX/XXXX, within 30 days of review of our Loss Mitigation. 

Invalid, Trustee Deed Upon Sale, dated : XX/XX/XXXX, to XXXX XXXXXXXX XXXX XXXX XXXX Fay Servicing, states on their letter head notice of XX/XX/XXXXXXXX XXXXXXXX XXXX paid loan in full XX/XX/XXXX, and recorded Deed XX/XX/XXXX. 

CA, Office of The Attorney General, XXXX XXXX XXXX XXXX, XX/XX/XXXX notice, XXXX XXXX XXXX XXXX XXXX was not listed as an Eligible Winning Bidder and/or XXXX XXXX  purchaser of our Real Property as of XX/XX/XXXX through XX/XX/XXXX, ( XXXX ) day deemed final date, an authorized agent ; ( CA, Attorney : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) for XXXX, per CA CIVIL CODE XXXX requires submission of Residential 1-4 units to be submitted to the OAG for Eligible Winning Bidders, up to XXXX XXXX XXXX Foreclosed and Sold to Eligible Bidders in California form XX/XX/XXXX XXXX XX/XX/XXXX, our Real Property at ; XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX was and XXXX not XXXX current date registered with the OAG as a Residential Foreclosed property, Ongoing Mortgage Fraud Scheme, Fraudulent Conveyance, by Fay Servicing and all of their participants that have caused the minority, XXXX XXXX family, irreparable harm, financial hardships and damages. Our home has been abandoned, destroyed physically structure interior and exterior, our personal belongings Auction by XXXX XXXX XXXX XXXX XXXX, and their assignee 's XXXXXXXX XXXX XXXX and thier Attorney of record, CA Attorney, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, who had her State Bar License ( Suspended ) on XX/XX/XXXX, for PERJURY, etc., unable to practice law in CA. 

Our, CA Civil Rights have been violated, we have been discriminated, with unfair Mortgage practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
I took out an auto loan with Westlake Financial, and my contract shows a {$4500.00} down payment. However, this down payment has not been properly applied to my loan balance, which remains much higher than expected. Despite making consistent, on-time paymentssometimes paying extrathe interest charges fluctuate inconsistently and are often very high. For example, on these dates my payments included unusually high interest charges compared to principal paid : XX/XX/XXXX : Interest charged was {$290.00} on a {$340.00} payment, leaving only {$48.00} toward principal. 

XX/XX/XXXX : Interest charged was {$300.00} on a {$500.00} payment, more than half the payment going to interest. 

XX/XX/XXXX : Payment of {$35.00} went entirely to interest with no principal reduction. 

XX/XX/XXXX : Interest charged was {$260.00} on a {$340.00} payment, with only {$81.00} applied to principal. 

XX/XX/XXXX : Interest charged was {$270.00} on a {$340.00} payment, leaving {$71.00} toward principal. 

I requested multiple times a clear amortization schedule or detailed breakdown of how Westlake calculates daily interest, but they have refused to provide this information, responding only with vague explanations. I have also been charged NSF fees despite making timely payments, with no valid explanation. 

Additionally, an optional product called XXXX XXXX to my loan without informing me that it was optional and without my consent. I want this unauthorized product removed and all related charges refunded. 

Most importantly, the total sales price I am paying is almost double the actual value of the car, which is unfair and unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: GA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation