vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to XXXX XXXX, I formally request their deletion within 15 days. Enclosed are the supporting documents.

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 2025-08-26 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: IL

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to XXXX XXXX, I formally request their deletion within 15 days. Enclosed are the supporting documents.

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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: COLUMBIA BANKING SYSTEM, INC.

Complaint narrative:
This scammer. Pretend they are bank and stolen from me by bitcoin. XXXX $ they pretend they bank give loan. Pacipbc.com and they. Send to me mail. 
XXXX. Can you Pls help to hunt this people

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Someone stole {$5400.00} out of my bank account. My primary XXXXXXXX XXXX XXXX XXXXXXXX was STOLEN. Ive been sick with long COVID and have documentation and I filed a dispute for fraudulent XXXX and BMO is claiming they cant give me ANY of my money back for XXXX  days DESPITE the BMO XXXX XXXX  XXXX says all users are entitled to be reimbursed for UNAUTHORIZED used! The agents were passive, didnt care much and they were from overseas. NONE of them were native English speakers. I had to call BACK because the first woman had hung up on me. This is XXXX and Im going to be homeless if I have to wait XXXX  days. The money deposited was my move in money because Im a XXXX XXXX and the money was from a APPROVED XXXX XXXX XXXX from the state because I lost so much!! Im highly upset and now my online banking is over and my BMO account is frozen and I have NO money back.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/year>, Citi closed my credit card account without providing me with any advance notice. I only learned of this action when I contacted Citi on XX/XX/year>. At that time, I immediately asked Citi to reopen the account. Citi refused, stating it had been too long closed. This is not credible since the account had been closed for only 6 days. 

I asked Citi for a clear explanation of why my account could not be reinstated and why I was not given prior notice of closure. Citi did not provide any explanation or documentation beyond repeating the vague statement that it was too long closed. Their refusal to reinstate an account closed less than a week earlier, combined with their failure to provide notice, creates unfair consumer harm. It also raises concern about how Citi handles account closures and the potential negative impact on my credit profile.

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 2025-08-26 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX {$4800.00} opened : XXXX XXXX XXXX XXXX XXXX amount : {$760.00} open : XXXX XXXX XXXX XXXX XXXX amount : {$690.00} open XXXX XXXX Disputed all XXXX accounts with XXXX XXXX but was denied

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Lender trying to repossess or disable the vehicle
Company: Westlake Services, LLC
State: PA

Complaint narrative:
On XX/XX/year>, i've purchased a used vehicle through XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX, PA XXXX. I've trade in my old truck for {$1000.00} and i've put another {$5000.00} as down payment. XXXX XXXX XXXX then send my credit application to Westlake FinanciaXXXX : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX which approved my application. 
I've paid my first payment on XX/XX/scrub>XXXX  online but never got any kind of confirmation. I've then set up an automatic payment for the remaining term. 

On XX/XX/year> i've got a message from XXXX XXXX XXXXXXXX that my vehicle is in process to get repossessed due to non-payment, even though i diligently paid up to that date. I was in XXXX when i've got the message so it's difficult to me to contact Westlake Financial to figure it out. There are no warning nor communication from them regarding the issue. I've sent all the payment proof but again still no response from them. I emailed them and after couple days it said the case is closed. 

On XX/XX/year> i've again received another message from XXXX XXXX XXXX while i'm in XXXX to bury my mother who passed away on XX/XX/XXXX. The message again said that they will take my vehicle if i'm not voluntary return it to the dealership. Again, i'm in another country with limited access to internet so i'm trying my best to solve the problems. I really confused and upset since i have no fault on my part. The next automatic payment not due until XX/XX/year>. 

On approx XX/XX/XXXX i saw from my XXXX XXXX that my vehicle been taken from my house. I still in XXXX at that moment so i can't do anything. 

I've suspect there's a ploy againts me by XXXX XXXX XXXX and Westlake Financial. There are no fault from my part and they have no proof of their allegation that i've breach the contract but they took my vehicle with all my personal stuff that i've left on a vehicle. Until now there are no communication from either XXXX XXXX XXXX or Westlake Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

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 2025-08-26 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:
I am filing this complaint because the credit bureaus are reporting an XXXX XXXX XXXX account that does not belong to me. 

The disputed account details are as follows : Creditor Name : American Honda Finance Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$0.00} This account is fully paid and not mine. It is inaccurately showing on my report with a late payment, which is damaging my credit. 

I have disputed this information directly with the bureaus under the Fair Credit Reporting Act ( FCRA ), specifically : 602 ( 15 U.S.C. 1681 ) Requires maximum possible accuracy.

605 ( 15 U.S.C. 1681c ) Prohibits the reporting of inaccurate or outdated information.

611 ( 15 U.S.C. 1681i ) Gives me the right to dispute inaccurate information and requires reinvestigation within 30 days.

Despite my disputes, the bureaus continue to report thi
s account as in dispute or with derogatory late payment history. This violates the FCRA and constitutes misleading reporting under the FDCPA 807 ( 15 U.S.C. 1692e ).

I demand that this account be immediately deleted from all my credit files and that written confirmation of its deletion be provided.

I have attached copies of my dispute letters, government-issued ID, proof of address, and credit reports showing the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I closed my Bank of America credit card in XX/XX/year>. The card was canceled, and I have no ongoing relationship with Bank of America. A vendor attempted to bill the canceled card, and Bank of America improperly processed the charge despite the account being closed. 

Bank of America then reported me as owing {$100.00} and marked me 90+ days late, damaging my credit score ( dropping from XXXX to XXXX ). This debt is invalid because the account was closed and the charge unauthorized. 

I have spent hours disputing with both Bank of America and the credit bureaus. The credit bureaus briefly corrected the report, but Bank of America re-reported the false delinquency. I am now at risk of continuous cycles of wrongful derogatory reporting. 

I request immediate removal of the inaccurate tradeline, confirmation that Bank of America ceases all reporting of this false debt, and correction of my credit file across all bureaus. 

This is a violation of the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: IL

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the four business days required by 605B and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating 611 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations, along with disregard for the CFPBs XXXX bulletin, underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
To whom it may concern, I found a mistake on my credit report. I am writing to delete the following information in my file. According to 15 USC 1681e ( b ), this charge-off isn't reported correctly. Here 's what's wrong : I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I need these accounts removed. Please fix this error. Please delete the items as soon as possible. My name and only name is XXXX XXXX XXXX XXXX XX/XX/XXXX. My only phone number is ( XXXX ) XXXX and the only current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Thanks, XXXX XXXX Items in Need of Deletion : Account Name : Midland Credit Management Account Opened : XX/XX/XXXX Amount Owed : {$1100.00} Account Name : XXXX XXXX XXXX Account Opened : XX/XX/XXXX Amount Owed : {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: SC

Complaint narrative:
On XX/XX/year>, I authorized a transaction for {$250.00} via Ria Money Transfer. The amount was immediately withdrawn from my XXXX account, but Ria confirmed the transaction was never finalized and they never disbursed the funds. 
On XX/XX/year>, I authorized a second transaction for {$160.00} via Ria, which was successfully completed. My intended recipient collected the money, and XXXX deducted this amount from my account. 
Problem : XXXX maintains that both transactions ( {$250.00} and {$160.00} ) were credited back to my account. 
This is demonstrably false. While the {$160.00} was completed and received, I can not have that amount both remain with the recipient and also have been returned to me. 
Furthermore, there is no documentation in my XXXX account showing that {$250.00} was ever credited back. Other refunds and reversals appear clearly in my transaction history, but no such record exists for this transaction. 
Ria states they never received the {$250.00}, while XXXX claims it was both withdrawn and refunded, leaving me without my money. 
Harm : I am currently out {$250.00} which was removed from my XXXX account on XX/XX/year>, but never provided to the recipient and never returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
My claim for fraudulent use of my debit card through a tap to pay service was denied with no notice or reason given. The claim took a month to resolve and I received no updates throughout the process. The reason for my claim was not taken into account and was inputed incorrectly multiple times. I only learnt of my claim being finalized when the temporary credits were removed and my account was overdrawn.

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 2025-08-26 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc . 
continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: OR

Complaint narrative:
My account XXXX XXXXXXXX was suspended on XX/XX/XXXX. Although I had sent the required document for proof of residency, I didn't receive any communication from Cashapp about the case. I didn't even receive any communication from them that the document was received and being processed! 
Due to the lack of proper communication from them, I chose to close my account with Cashapp and requested to close my account on XX/XX/XXXX, with the funds returned to my debit card on file. 
NOTHING HAPPENED! 
I remain unable to access my Cashapp account, with NO ability to even transfer the funds- my savings of over {$1300.00} to my XXXX account. 
Frankly, I strongly believe that the representative who closed my account on XX/XX/XXXX has stolen my funds, because I'm not receiving clear, prompt communication from the support team. Thus, fraud has been communicated! 
From the moment that I have begun to communicate with the support team on XX/XX/XXXX to reopen my case ( XXXX ) to " resolve the issue ", in which NOTHING to this day has been resolved, and I don't have ANY access to my funds, which I have an immediate need for!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-26 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: MI

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts are in violation of 15 USC 1666. I have always made my payments on time, and these reporting discrepancies are both unjust and unlawful.

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 2025-08-26 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation