vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
Account Number : XXXX I am requesting XXXX assistance to correct the coding and downstream effects of HSBC Bank USA, N.A. closing my dormant U.S. account. The U.S. closure ( Complaint ID XXXX ) has been treated within the HSBC Group as a global exit, which has locked my active HSBC XXXX XXXX accounts ( XXXX XXXX ) and prevented me from selling securities or wiring funds, despite no misconduct or breach in XXXX XXXX XXXX 

XXXX & facts : I opened an HSBC USA checking/savings account years ago around XXXX. It has had no activity for XXXX years and a balance of about USD XXXX. I did not activate debit/credit cards that were mailed. I only updated my phone number when prompted by the bank. 
On or about XX/XX/XXXX, I was informed my HSBC USA account was closed. I opened XXXX Complaint XXXX. I was later told a note was added stating it was a bank decision. 
Shortly thereafter, my HSBC XXXX XXXX relationship was locked ( I was verbally told accounts may be closed on XXXX XX/XX/XXXX, but I have no written plan or instructions ). The lock blocks transfers in/out and sale of securities, causing avoidable financial harm. 
I am actively trying to resolve this with HSBC USA and HSBC XXXX. HSBC XXXX informed me by phone they would not close if they received an internal instruction from HSBC USA not to close.

Issue : HSBC USA appears to have coded the U.S. closure in a way that propagated a global offboarding within the HSBC Groupeven though the U.S. account was simply dormant/inactive, with de minimis balance and no adverse risk finding communicated to me. 

Harm : I am unable to sell positions or transfer funds from XXXX XXXX, and I have not received a written offboarding plan ( only a verbal date ). This has immediate financial and operational impact. 

XXXX requested : Direct HSBC Bank USA, N.A. to re-code my U.S. closure as Dormancy/Inactive ( non-adverse ) and withdraw/neutralize any global exit propagation tied to Complaint XXXX. 

Require HSBC USA to send an internal written note to HSBC XXXX XXXX and HSBC XXXX confirming no adverse financial-crime/sanctions finding and that the U.S. dormancy closure was not intended to trigger global closure. 

Ask HSBC XXXX to pause offboarding and enable a limited, risk-neutral unfreeze ( sell/close securities ; CHATS/FPS to my own named accounts ; settlement credits ; statements/payee export ) to allow an orderly wind-down pending the U.S. clarification. 

Provide me a written explanation of the reason/coding used by HSBC USA and XXXX when corrective internal messages are sent. 

I will promptly supply any KYC/identity documents needed. Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Outsource Group, Inc
State: TX

Complaint narrative:
In XX/XX/year>, I received my first medical bill from the provider. I immediately requested an itemized bill, but never received any documentation. 

On XX/XX/year>, I received a call from the debt collection agency ( Medicredit ). During the call, I again requested an itemized bill and verification of the debt, but they did not provide it. Instead, the representative offered me a 20 % discount if I paid immediately, without ever validating the debt. 

On XX/XX/year>, I received a debt collection letter ( Reference XXXX. XXXX ) for {$290.00}, even though the service date was XX/XX/year>, which is less than 6 months. This violates the 12-month waiting period for reporting medical debt outlined in CFPB guidance. 

I called again on XX/XX/XXXX and spoke with XXXX, who said I may receive the itemized bill in 15 days, but by then the debt was already sent to collections prematurely and without proper validation.

This is a clear violation of FDCPA 809 ( b ) and CFPB medical debt reporting policies.

I have attached a copy of the collection letter for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I submitted a formal dispute letter to Experian on XXXX, XXXX, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Experian has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Experian has therefore failed to conduct a reasonable reinvestigation as required by law. 

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 2025-10-17 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: GA

Complaint narrative:
disputed a collection account being reported on my Equifax credit report by XXXX XXXX XXXX XXXX XXXX XXXX. 
I mailed certified dispute letters to Equifax and the furnisher with copies of my ID and proof of address, yet Equifax verified the account without providing documentation or proof of validation.

No investigation results or method of verification were provided. Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation within 30 days and delete any unverifiable information.

Equifaxs verified response is inaccurate and violates the FCRA. I am requesting CFPB oversight and immediate removal or correction of this collection since the furnisher has never validated the debt as required under the FDCPA ( 15 U.S.C. 1692g ( b ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
XXXX. TransUnion Version Im disputing the XXXX account XXXX in XXXX listed on my TransUnion report. This account is inaccurate and was not authorized by me. I have never opened such an account. Please investigate and remove it under FCRA Sections 607b and 611. 

XXXX. Experian Version The XXXX  account XXXX in XXXX was reported incorrectly on my Experian file. I did not authorize or open this account. I previously contacted the furnisher but received no resolution. Please investigate and delete this inaccurate account per FCRA 602A and 611. 

XXXX. Equifax Version I found an inaccurate XXXXXXXX  account XXXX in XXXX on my Equifax credit report. This account does not belong to me and was never approved or opened by me. Please remove it immediately as required under FCRA Sections 604 and 611.

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 2025-10-17 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: FL

Complaint narrative:
XXXX. TransUnion Version Im disputing the XXXX account XXXX in XXXX listed on my TransUnion report. This account is inaccurate and was not authorized by me. I have never opened such an account. Please investigate and remove it under FCRA Sections 607b and 611. 

XXXX. Experian Version The XXXX  account XXXX in XXXX was reported incorrectly on my Experian file. I did not authorize or open this account. I previously contacted the furnisher but received no resolution. Please investigate and delete this inaccurate account per FCRA 602A and 611. 

XXXX. Equifax Version I found an inaccurate XXXXXXXX  account XXXX in XXXX on my Equifax credit report. This account does not belong to me and was never approved or opened by me. Please remove it immediately as required under FCRA Sections 604 and 611.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Their mobile banking system has serious technical issues. I set up my monthly autopayment for a fixed amount, but they still charged the full balance last month, so I had to call to get it corrected. This month, they failed to process my autopayment at all and then blocked my card, claiming my account was past due. I tried calling customer service since they only provide a phone number but no one ever answered. When I finally reached a representative, she refused to resolve the issue despite my repeated requests for help. This bank neglects its technical problems, pushes all the consequences onto customers, ignores phone calls, and refuses to assist. It feels like a fraudulent business.

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 2025-10-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
In XX/XX/year>, I withdrew approximately {$180.00} ( XXXX XXXX ) in Bitcoin from my Cash App account. The transaction was processed as an on-chain withdrawal and confirmed on the Bitcoin blockchain. However, Cash App has refused to provide me with the destination wallet information, transaction ID, or confirmation of whether the receiving address belonged to Cash App or an external wallet. 

I have reached out multiple times through Cash App Support and have been repeatedly given automated or copy-paste responses without resolution. I recently filed a formal data request with Block, Inc. at XXXX, but I have not received confirmation of any investigation. 

This is a serious matter involving a missing Bitcoin transaction, and I am requesting that the CFPB compel Cash App / Block , Inc. to disclose : 1. The full destination wallet address and transaction hash for my withdrawal.

2. Whether the recipient address was owned by Cash App or an external custodian.

3. All internal records related to the transaction.

The company has been uncooperative, and I believe this constitutes a failure to provide transparent access to my financial data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 16810 of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 16810. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. Details of the Dispute : 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 XXXXXX/XX/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 2025-10-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously sent a letter to address the errors and unknown items on my credit report, but unfortunately, I have not received a response even after 30 days. It seems like my disputes are being overlooked and I feel taken advantage of. As per Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since the deadline has passed, I expect these accounts to be updated without delay. If not, I may have to take legal action due to the stress this situation has caused me. Moreover, my information was impacted by the Equifax, Experian, and Transunion data breach, which raises concerns about the security of my personal data.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is regarding a Wells Fargo XXXX XXXX XXXX XXXX issued under XXXX XXXX XXXX, with XXXX cardholders ( myself and my former business partner, XXXX XXXX ). 

Around XX/XX/year>, I discovered XXXX unauthorized withdrawals made by my ex-partner using his card. I immediately reported the charges to Wells Fargo and filed a dispute. Wells Fargo investigated and reversed the amounts, which confirms that the transactions were considered improper. At that time, I clearly instructed Wells Fargo to close the entire account and disable all associated cards. 

However, Wells Fargo failed to fully close or block the XXXX  card. After my dispute was resolved and after I requested closure, my ex-partner was still able to visit a Wells Fargo branch in person and withdraw approximately {$14000.00} using only his own ID. I did not authorize this withdrawal, did not receive the funds, and did not benefit from them. 

This withdrawal happened AFTER I had reported fraud and AFTER I asked for the account to be closed. This should have been prevented by XXXX XXXX internal controls. 

I have attempted to resolve this by phone multiple times, but I was told to sue my partner, which is not appropriate as this is a bank failure to properly freeze an account after a fraud report. 

I am requesting that Wells Fargo : XXXX. Remove my liability for this post-dispute unauthorized withdrawal. 
XXXX. Officially classify the account as XXXX XXXX/ Customer Not Liable. 
XXXX. Confirm in writing that the balance will not be reported to collections or to my personal credit. 

This is not a payment issue it is a negligence and unauthorized access issue after a fraud report and closure request. I respectfully request CFPB assistance.

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 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
I am writing regarding the account you have reported or are attempting to collect, which you have previously verified as accurate after a dispute. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally requesting that you provide the method of verification used to confirm the accuracy and current enforceability of this alleged debt.

Specifically, I need : 1. The name and address of the original creditor, 2. The date of last payment or activity, 3. The documentation used to determine that the account remains legally collectible, and 4. Evidence showing that the debt is not time-barred under the Texas statute of limitations ( Texas Civil Practice & Remedies Code 16.004 , 4 years ).

Until this verification is provided, please cease all collection activity and reporting to credit bureaus as required under FDCPA 809 ( b ). Reporting or attempting to collect on a time-barred debt without disclosure may constitute a violation of both state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: WA

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$4400.00} XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXXXXXX Balance {$170.00} XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I demand that you immediately investigate and correct the inaccurate personal information detailed below. 

The FCRA mandates that all reported information must be accurate. 

Correct address : XXXX XXXXXX/XX/XXXXXXXX Remove immediately these incorrect addresses : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: GLOBAL SOLUTION BIZ LLC.
State: PA

Complaint narrative:
Another company operating under the name XXXXXXXX XXXX XXXXXXXX XXXX initiated contact with me regarding a debt that I am unaware of. I repeatedly requested that they cease calling and sending me threatening emails. Despite my requests, they persisted in their actions, even contacting my family members and former employer. In response, I filed a complaint with my states Attorney General office and consumer finance department. Consequently, the company ceased its calls for approximately three months. I am uncertain whether they sold the debt to another entity or underwent a name change. However, I have resumed receiving threatening emails and phone calls at all hours of the day, occasionally as late as XXXX XXXX. Additionally, they have begun contacting my family members, informing them about this debt that I am completely unfamiliar with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I disputed numerous accounts with TransUnion to know avail on 3 different occasions always came back unknown XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX credit card and XXXX  XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX came back unknown over and over

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 2025-10-17 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance {$6000.00} XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XXXX Balance {$1200.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$0.00} XXXX XXXX  # XXXX * XXXX * Date Opened XX/XX/XXXX - Balance {$1600.00} XXXX # XXXXXXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$1900.00} XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: IL

Complaint narrative:
The credit XXXX, Equifax, and XXXX willfully failed to comply with their obligations under the Fair Credit Reporting Act. Despite my formal disputes submitted in XX/XX/year>, they continue to report materially inaccurate and unverifiable information, including erroneous XXXX student loan accounts, a false XXXX balance XXXX and unauthorized XXXX  inquiries from XXXX XXXX  and XXXX XXXX. 

No lawful verification or reinvestigation results were provided within the statutory XXXX period. Their continued reporting of unverified data constitutes clear noncompliance under 15 U.S.C. 1681i and 1681e ( b ). I am requesting immediate enforcement action compelling deletion of all unverifiable entries and full compliance with XXXX  law.

Company response to consumer: Closed with non-monetary relief