vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
On XX/XX/year> Bank of America withdrew {$1100.00} Without my authorization or any warning and 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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I paid a {$100.00} deposit with a merchant to order an item on XX/XX/year>. I did not hear back from the merchant and made several attempts to call them. On XX/XX/year> I submitted a dispute to Wells Fargo regarding the transaction. I received a temporary credit for the amount. On XX/XX/year> I received a letter from Wells Fargo stating the transaction was validated and the temporary credit would be reversed on XX/XX/year>. I called Wells Fargo on XX/XX/year> to appeal this decision. I was advised there was nothing further they could do as they received information from the merchant indicating I received the item. I advised that was a lie, I have no items received. If I had received the item I would had to pay more money to pick it up. They also stated the merchant made several attempts to contact me. They did XXXX time and left a voicemail ; the voicemail clearly states they have the item and want to talk to me about the dispute. I havent been able to reach them since. The {$100.00} was a deposit to order an audio amplifier for my car that I would later also have them install. Due to not receiving any communication from the merchant until after I submitted my dispute, them ignoring my phone calls, and the inability to go in without an appointment, I have no recourse here.

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 2025-06-03 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:
Complaint Subject : Dispute of Charge-Off Account Under FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611 Accounts Names : XXXXXXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Complaint Details : I am filing this complaint because there is a charges-offs on my credit report that I believe is inaccurate. I have disputed this charge-off with the credit reporting agency, but it has not been addressed properly in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, the charge-offs is reported as a negative entry, but I dispute its accuracy. I have requested that the credit reporting agency investigate the charge-off under the following sections of the FCRA : 1. Section 1681b ( 2 ) This section mandates that all information reported about me must be accurate and reflect the truth. 2. Section 1681b ( 5 ) This section requires that users of consumer reports ensure that they have a permissible purpose for obtaining and using my credit report and that the information is accurate. The charge-off may have been reported inaccurately due to a lack of proper verification. 3. Section 611 This section requires that all disputes be investigated and resolved within 30 days, ensuring that inaccurate information is either verified or deleted from the credit report Despite my request, the credit reporting agency has failed to respond in a timely manner, and I have not received a satisfactory resolution. Under Section 1681b ( 2 ), the credit reporting agency is obligated to report only accurate information, and Section 1681b ( 5 ) requires that the information has been reported with a legitimate permissible purpose. Under Section 611, they must complete a full investigation within 30 days of my dispute. I believe the charge-off is inaccurate for the following reason ( s ) : * [ accounts showing different balances accross the credit bareus Date opened doesnt match I am requesting that the CFPB assist in ensuring that this charge-off is properly investigated and, if the creditor can not substantiate its accuracy, that it be removed from my credit report. Action Requested : * Ensure that the charge-off is verified or deleted in compliance with FCRA Sections 1681b ( 2 ), 1681b ( 5 ), and 611. * Ensure that the credit reporting agency conducts a complete and timely investigation into my dispute and resolves the issue as required by the FCRA. Thank you for your attention to this matter. Sincerely, [ 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 2025-06-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
On XXXX, I started applying for HELOC loan. I had to pay a XXXX lock in fee, before I was able to get full details. Once I paid, I realized the loan origination costs were higher than I wanted to proceed with, so I did not continue application. However, XXXX was non refundable. This is misleading practice.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XX/XX/scrub> 2024, I discovered my ex-boyfriend used my Social Security number and drivers license without my knowledge or consent to open a Navy Federal Credit Union ( NFCU ) account and obtain a credit card in my name.

I immediately reported this to NFCU, reset the account access, and I also filed a police report. I provided a notarized letter confirming the identity theft, text messages where he admitted to it, and screenshots showing his contact information under my name on the account details.

A Navy Federal representative accused me of knowing about the card and refused to help me further when I asked for support and understanding of the process out of concern for my safety. XXXX XXXX XXXX XXXX when he found out I reported him and kept bothering him about going to the bank to fix this and to pay it back.

Out of fear and the need to preserve my credit to move away safely, I paid off the fraudulent debt myself. NFCU denied my claim despite the police report and evidence. They also refused to give me access to account statements, the original application, or transcripts of my calls which I believe I am legally entitled to under FCRA.

Im requesting that CFPB investigate Navy Federals failure to : Properly handle my identity theft claim Protect me as a fraud victim Provide documentation Remove the fraudulent party from the account Restore my credit and/or reimburse me for the debt I paid under duress Navy Federals handling of this case caused emotional trauma, financial loss, and placed my physical safety in danger. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-03 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 a recent victim of a data breach, and fraudulent accounts have surfaced on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), I demand that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: Opportunity Financial, LLC
State: AL

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
I have no knowledge of this debt and did not authorize or initiate this account. This may be the result of fraud or identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Cash app or Block Inc. 
I made a legitimate {$30.00} transfer from my debit card to Cash App on XXXX, 2025, and then sent it to another user. On XX/XX/XXXX, Cash App withdrew another {$30.00} from my bank account without authorization, claiming the original transaction had been disputed and reversed by my bank. 

I never filed any dispute and my bank confirms there was no reversal. I have documentation from my bank proving this. 
Cash app claims the transfer was from my bank account which they dont allow and thats what started the reversal and not from my debit card but Im including documentation that it was from my card just the same as other transactions that day and that none have been reversed Cash App has now taken a total of {$60.00} for a single {$30.00} transaction plus the took an {$20.00} refund credited to my account from another transaction to cover for the money they stole so they have stolen {$50.00}! from me and refuses to acknowledge the mistake or refund the money. My Cash App account is currently negative despite no fault of my own. 

Im requesting that Cash App immediately restore the money they unrightfully took its {$30.00} and the {$20.00} refund from clean and carry laundry services to correct my account balance, and stop misrepresenting the situation as a bank-initiated reversal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
The last time XXXX reported to the credit bureaus was on XX/XX/scrub> 2025. I have disputed this information with all of the major credit bureaus and even have shown proof that the account information being reported is inaccurate. I have disputed this will all 3 major credit bureaus and even they refuse to report accurately. 

XXXX is reporting the account as having a balance of {$490.00}. This is inaccurate, the account balance is {$0.00} and has been for a while.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
The last time XXXX reported to the credit bureaus was on XX/XX/year>2025. I have disputed this information with all of the major credit bureaus and even have shown proof that the account information being reported is inaccurate. I have disputed this will all 3 major credit bureaus and even they refuse to report accurately. 

XXXX is reporting the account as having a balance of {$490.00}. This is inaccurate, the account balance is {$0.00} and has been for a while.

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 2025-06-03 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: AL

Complaint narrative:
The last time XXXX reported to the credit bureaus was on XX/XX/scrub> 2025. I have disputed this information with all of the major credit bureaus and even have shown proof that the account information being reported is inaccurate. I have disputed this will all 3 major credit bureaus and even they refuse to report accurately. 

XXXX is reporting the account as having a balance of {$490.00}. This is inaccurate, the account balance is {$0.00} and has been for a while.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
I was the victim of unauthorized transactions on my Cash App account. On or around XX/XX/ 2022, multiple unauthorized charges were made totaling {$1400.00}. I did not authorize these transactions or share my account details. I reported the fraud to Cash App support on XX/XX/2022, but received only an automated message and no assistance. Despite follow-ups, I was not reimbursed. I also spent over 3 hours attempting to resolve the issue. I am filing this complaint both to report the fraud and to support my claim in an ongoing class action settlement related to Cash App account security.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Current month payment was made XXXX XX/XX/year> and the vehicle was repossessed on the next day XX/XX/year>. I was mislead by Westlake agents stating to pay what is owed to get vehicle back when they wanted the full payment instead. Asked for an addition fee to be paid on XXXX to received the vehicle and was denied vehicle when the {$750.00} fee was paid. 

Spoke with XXXX agents all with different scripts. Some saying the payment was received but not in the system. Once in system which takes XXXX hours the vehicle will be released but was not. Denied assistance. California state law entitles me to reinstate the loan by curing the default and paying reasonable repossession fees. 

They changed the due dates and extended the terms of the loan without informed consent causing interest to accrue. Did not give me a chance for the right to cure not gave instructions for vehicle recovery. Asked to speak to management and was refused, placed on a XXXX hour hold or hung up on. They are not trying to help assist and refused to allow retrieval of person belongings, even after fees were paid. And the loan principle has not been paid since XXXX. All payments have been used to only pay the interest and nothing towards the principal. Terms of loan was changed by XXXX. They accepted payments late once they changed the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
On XX/XX/year>, I paid off the balance on my Citi XXXX XXXX XXXX with the intention of doing another balance transfer. The card advertises unlimited balance transfers up to a certain amount, which was the primary reason I applied for it. 

However, when I attempted to initiate a new balance transfer, I received a message stating I was not eligible. I called XXXX customer service line at XXXX at XXXX AM and was told that eligibility for balance transfers is determined by their marketing team on a month-to-month basis. This was never disclosed to me when I signed up for the card, and I believe it is false and misleading advertising. 

I asked if there was a way to override the restriction or appeal it, and was told no. I now have available credit and no outstanding balance, yet XXXX being denied the very benefit I got this card for. Additionally, the 0 % APR promotional period I was promised appears to be shorter than what was advertised at the time of sign-up. 

This has set me back financially, as I was relying on the ability to transfer more balances under the terms I was originally led to believe were available. I am requesting that Citi be held accountable for this misleading marketing and that I receive appropriate remediation.

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 2025-06-03 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3700.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1700.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : 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 2025-06-03 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: WI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief