vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: FL

Complaint narrative:
CBE GROUP INC collected money from me without verifying that the debt was valid, which led to an unlawful wage garnishment that had to be stopped. I sent them a certified letter on XX/XX/year> demanding my money be returned. They have not responded or returned the funds, violating my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ). I am requesting the CFPB investigate, ensure my money is returned immediately, and stop any further collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
For a few years, each time that a company issues me payment, a settlement, a refund or a rebate, these companies issue these money through an electronic XXXX XXXX. The problem arises when you try to use this electronic card online or on a brick-and-mortar store and it gets declined. When you try to contact XXXX XXXX, they just show you your balance, but after a few months the entire money is gone, and you can't speak to anyone about it. Sometimes they offer you a physical card, but they want {$10.00} for that " service, '' which at times is more money than what the refund is worth. 

Case in point. Last month, XXXX  sent me notice about a settlement for a breach that had occurred the year before. The email indicated the amount and that if wanted a physical payment to no nothing, but if I wanted an electronic payment to click on the link. I chose the former, so did nothing. About a month later, I received another email telling me that my card had been activated and to log in to start using it. I replied that I had done none of these things and to send me my physical payment. Today, I received another email indicting the following : " Your ticket XXXX - Re : XXXX  Settlement Payment Pre-Paid Card Balance Reminder, has been updated. 

Dear XXXX, The pro rata payments for time spent and alternative compensation claims that have already received their settlement benefit payments will be issued by pre-paid card. We are unable to change your payment method. 
You will receive an email from XXXX with instructions on how to redeem this electronic pre-paid card. 
Your settlement pro rata payment will be issued using the email address you provided with your claim. Please make sure to check your spam and junk folders for the email with your pre-paid card information. 
Claimants who did not provide a valid email address will be receiving a postcard with their settlement benefit details and information on how to redeem their pre-paid card to the mailing address they provided when they filed their claim. 
If you have questions regarding your pre-paid card, please contact the pre-paid card servicer at www.myprepaidcenter.com or XXXX. 
Regards, XXXX  Data Breach Settlement Administrator '' Like I mentioned, this is not the first, second or third time that I've been defrauded of my money by this card issuer and would like to get an answer as to where my money has gone all these times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: AZ

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
I am submitting this complaint because my Equifax credit report shows several charged-off accounts and other items that I believe may be inaccurate, outdated, or not properly verified. I am requesting a reinvestigation under the Fair Credit Reporting Act ( FCRA ) to confirm the accuracy of these accounts. 

Charged-Off Accounts in Dispute : XXXX Acct XXXX XXXX Reported : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX Acct : XXXX Reported : XX/XX/XXXX Balance : {$3300.00} XXXX XXXX Acct : XXXX Reported : XXXX XXXX, XXXX Balance : {$190.00} XXXX XXXX Acct : XXXX Reported : XX/XX/XXXX Balance : {$390.00} XXXX XXXX  Acct : XXXX Reported : XX/XX/XXXX Balance : {$1800.00} Inquiries in Question : ( No inquiries listed for Equifax ) I am asking that Equifax review each of these accounts for accuracy and verify them directly with the original creditors. If any of these items can not be verified or are beyond the allowable reporting period, I request that they be removed or corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
This letter serves as a formal demand for the immediate deletion of fraudulent accounts from my credit report, which were opened without my knowledge or consent. Pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to investigate and remove these inaccuracies within 15 days. Relevant documentation is enclosed to support this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: NJ

Complaint narrative:
Re : Dispute of Incorrect Information on My Credit Report Dear XXXX, I am contacting you to dispute inaccuracies present on my TransUnion credit report. Upon reviewing my credit history, I identified discrepancies that must be corrected as outlined by the Fair Credit Reporting Act ( FCRA ). The items in question are : 1. XXXX XXXX XXXX Account : This account is inaccurately marked as charged off with a derogatory status. The balance appears to be wrong, and I request a verification and correction of this entry. 
2. XXXX Account : This account shows late payments of XXXX, XXXX, and XXXX  days, with a reported balance of {$410.00}. I dispute this payment history and ask for verification.

3. Factoring Companies Account : This account is reported as derogatory with a balance of {$2400.00} and marked overdue by 120 days. I request that you verify this account and correct any errors.

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 2025-10-30 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: Continental Finance Company, LLC
State: AR

Complaint narrative:
I am officially filing my last written correspondence here before consulting legal action againsXXXX XXXX XXXX XXXX continental finance card. I hve told them several times that I hve never had my business loans or cars with them as I am in the military do not live in XXXX XXXX. I have alerted them and the credit bureaus that these accounts they have on my report were NOT MINE. I never authorized any service NONE of their banking offers. I am an XXXX XXXX military member and have spoken with my legal rep about this matter as I come back from XXXX and see my credit score dropped by XXXX points and this company seems to think that having fraudulent information in their system is okay. They are fully aware these are not my account and yet continue to diminish my credit for a fraudulent debt. 
I will be suing for multiple times the amount should this not be removed from my credit report upon receipt of this final communication.

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 2025-10-30 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: CA

Complaint narrative:
I am submitting this complaint with full certainty and growing frustration, as my credit report contains multiple errors that I can no longer overlook. These inaccuracies have been severely affecting my credit score and overall financial well-being, making it increasingly difficult for me to reach financial stability and freedom. The continued presence of these errors is unacceptable and has caused unnecessary stress and setbacks in my personal and financial life.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: MS

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize.

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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.

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 2025-10-30 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: TX

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

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$0.00} - Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Balance : {$1100.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXXXX/XX/XXXX TransUnion

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 2025-10-30 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My auto loan payment was due on XX/XX/year>. I made the payment on XX/XX/year>, and the company accepted the payment using my debit card. Despite accepting the payment, my vehicle was repossessed later that same day, before the payment had time to clear or post. 

When I called the lender, they told me the repossession happened because the payment had not fully processed yet, even though they had already accepted it. They then demanded an additional {$500.00} repossession fee and stated my vehicle would not be released unless I paid that fee. 

I later asked for an explanation and documentation supporting why the vehicle was repossessed after a payment was already made and accepted. Instead, I was told I now owed {$50000.00} and they refused to refund or return the vehicle. 

I believe the company acted unfairly by : Repossessing the vehicle the same day they accepted a payment Holding the vehicle and demanding extra fees even though payment was made Giving inconsistent payoff amounts Refusing to provide documentation or explain their actions This has created financial hardship, as I rely on my vehicle for school, childcare, and daily transportation. 

I am requesting the CFPBs assistance to : Review whether repossession after accepting a payment is lawful in this situation Require the lender to properly apply my payment Require the company to return my vehicle or provide a valid explanation and documentation Investigate the fee demand and payoff amount discrepancies Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Charged Off Accounts : DPT EDXXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$68000.00}. Please verify and update the account status. 

DPT EDXXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$20000.00}. Please review and correct the account. 

XXXX XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and update the status. 

XXXX XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and update this account. 

XXXX XXXX ( Account : XXXX ) Dispute : The account is reported as charged off on XX/XX/XXXX with a balance of {$0.00}. Please verify and update this account. 

XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$780.00}. Please review and verify this account. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$1300.00} is incorrect. Please verify and update the account. 

XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$3600.00} is incorrect. Please review and update the account. 

XXXX ( Account : XXXX ) Dispute : The charged-off status on XX/XX/XXXX with a balance of {$4000.00} is incorrect. Please investigate and provide a corrected entry. 

XXXX ( Account : XXXX ) Dispute : The charged-off status reported on XX/XX/XXXX with a balance of {$1400.00} is incorrect. Please review and update accordingly. 

XXXX  ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1300.00}. Please verify and update the status. 

Inquiries : XXXX XXXX ( Date : XX/XX/XXXX ) Dispute : This inquiry was unauthorized and should be removed from my credit report.

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 2025-10-30 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: TX

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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:
he Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National Credit Adjusters , LLC XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Phone : ( XXXX ) XXXX Subject : Continued Request for Debt Validation Account XXXXXXXX XXXX XXXX XXXX XXXX  Dear National Credit Adjusters, I previously requested validation of the alleged debt you are reporting for the original creditor, XXXX XXXXXXXX XXXX XXXX XXXX. Your response included only a copy of a signed contract, which does not satisfy the validation requirements under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 
Please provide the following to properly validate this account : Documentation proving that National Credit Adjusters has been assigned or has purchased the right to collect this debt from XXXX XXXXXXXX XXXX XXXX XXXX 
A complete, itemized accounting explaining how the balance increased from {$1000.00} to {$1100.00}, including all interest, fees, and charges. 
The full name and address of the original creditor, as well as the date and amount of the last payment made on the account. 
Until such validation is provided, please cease all collection efforts and refrain from reporting or verifying this account to any credit-reporting agency. Continued reporting of unverified information constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 
Sincerely, XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: 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 response to consumer: Closed with non-monetary relief