vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: CA

Complaint narrative:
Im filing a complaint regarding inaccurate and harmful information on my credit reports. XXXX XXXX ( XXXX ) reports two 30-day late payments ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) despite showing a {$0.00} balance. XXXXXXXX XXXX accounts ( XXXX & XXXX ) are reported as charged off with balances of {$3500.00} and {$5000.00}, respectively, but have unresolved disputes and may be inaccurately reported. A XXXX XXXX XXXX filed on XX/XX/XXXX ( Ref : XXXX ) was dismissed but still appears in public records. These entries may violate the Fair Credit Reporting Act ( FCRA ). I request investigation into these reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
" I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal tray, commission identity, theft, affidavit.

Please delete this items as soon as possible. ''

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 2025-06-20 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional XXXX. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I prepared a slip ( see attachment ) to deposit cash into my checking account. I gave it to my assistant, whom I instructed to go to the branch to deposit the cash. The banker, XXXX XXXX, refused to accept the money ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). She stated that she needed me to come to the branch personally to make the deposit.

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 2025-06-20 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: NC

Complaint narrative:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUBJECT : GOODWILL ADJUSTMENT REQUEST FOR CLOSED ACCOUNT I HOPE THIS LETTER FINDS YOU WELL.I AM WRITING TO FORMALLY REQUEST A GOODWILL ADJUSTMENT CONCERING A CLOSED ACCOUNT THAT WAS PREVIOUSLY HELD WITH YOUR INSTITUTION.THE ACCOUNT NUMBER IS LISTED AND WAS CLOSED. 

I UNDESTAND THE IMPORTANCE OF ACCURATE REPORTING, BUT I ALSO UNDERSTAND THAT CREDITORS HAVE DISCREATION IN REMOVING NEGATIVE MARKS IN GOODWILL SITUATIONS.A GESTURE LIKE THIS WOULD HAVE SIGNIFICANT POSTIVE IMPACT ON MY CREDIT RECOVERY EFFORTS, I WOULD SINCERELY APPRECIATE YOUR CONSIDERATION.

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 2025-06-20 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:
These accounts are fraud please assist as I have been trying unsuccessfully

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 2025-06-21 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
Several accounts have been reporting negative information on my credit file, including late payments and balances that I do not recognize or did not authorize. Some accounts began reporting as early as XXXX and continued through XXXX. I disputed these items with the credit bureaus and requested verification, including original contracts or proof of liability. To date, the companies have failed to provide the required documentation or respond with evidence supporting the accuracy of the accounts. These items remain unresolved and are negatively impacting my credit.

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 2025-06-20 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: NV

Complaint narrative:
Several accounts have been reporting negative information on my credit file, including late payments and balances that I do not recognize or did not authorize. Some accounts began reporting as early as XXXX and continued through XXXX. I disputed these items with the credit bureaus and requested verification, including original contracts or proof of liability. To date, the companies have failed to provide the required documentation or respond with evidence supporting the accuracy of the accounts. These items remain unresolved and are negatively impacting my credit.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
A scammer got the hold of a XXXX XXXXXXXX of the accounts belonging to XXXX XXXX XXXX XXXX. That person went and cashed the check at XXXX XXXX and XXXX. On XX/XX/XXXX ( date cashed ) XXXX. Family was going through health crisis due to XXXX and did not receive bank statement for that month. Sometime later, during the medical billing process, XXXX XXXX 's son XXXX discovered that there was fraud committed on XXXX XXXX 's account. Next day, we fi led police complaint and also complaint at the bank. This was in XX/XX/XXXX, so the M & T bank stated that because it has been 1year they are unable to refund the money back to our account. The branch manager recommended to keep pushing it to the cooperate ladder to see if they can reconsider due to health crisis going when the fraud occurred. The bank stated that they still can not refund the money and see if the police can help. The police did the investigation and they stated that XXXX XXXX is the place the where the check was cashed by the scammer. However, XXXX XXXX did not check their ID nor have any security footage of the person. In the email on XX/XX/XXXX detective XXXX XXXX stated that XXXX XXXX was not found in public record, but over the phone call they informed me that they had located the person whose name is on the check, but they can not arrest her as there is no proof from XXXX XXXX bank. On the phone call detective XXXX XXXX on XX/XX/XXXX stated that XXXX XXXX is a college student living in XXXX, but they can not arrest her as XXXX XXXX did not ID the person nor have XXXX footage. We have tried different ways to get XXXX XXXX XXXX XXXX the amount ( {$3900.00} ) back, but no success. Please help.

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 2025-06-21 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: TX

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was a member of Wells Fargo since 2005. I had the unfortunate experience of their surprise overdraft fees. I lost hundreds and hundreds of dollars, when the bank repeatily withdrew money on the same dat only minutes apart causing me to be overdrawn and allowing them to benefit by taking my hard earned money electronically to benefit the financial institution. I brought this to the attention of several managers in the branch offices only to be be dismissed.and disrespected as they illegally collected money out of my account t. I was happy to see that they had been caught in these illicit practices to take consumers money for the institutions gain.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: GU

Complaint narrative:
I tried to contact Experian to unfreeze my Experian login, but there intelligence robot would allow anyone to speak to an agent. And I tried emailing them cause most of my information was send to since XXXX are all wrong social security, mailing address, numerous physical address are wrong, place of work are past XXXX years. They kept asking me to login to Experian website and request a dispute which am unable to login am being blocked.

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 2025-06-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to request your assistance in obtaining a complete and accurate accounting ledger from Westlake Financial Services regarding an account they have reported on my credit file. 

I have attempted to communicate directly with Westlake Financial to obtain full documentation and verification of the debt they are reporting. However, they have not provided a complete accounting breakdown of the charges, payments, interest, fees, or adjustments related to the alleged account. I am entitled to this information under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), and I believe Westlake Financial is not complying with these obligations.

Without a full and transparent accounting, I can not verify the validity or accuracy of the debt being reported. I am requesting the CFPBs help in contacting Westlake Financial on my behalf and requiring them to provide : A complete accounting ledger for the account in question A breakdown of how the current balance was calculated All charges, payments, interest, fees, and credits applied to the account Please find my information below, as well as a copy of my ID and supporting documents to verify my identity. 

Thank you for your attention to this matter. I am asking for your help in ensuring that my consumer rights are upheld and that I receive the information I am legally entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
ssue Type : Money was taken from my account without my permission Product : Mobile or digital wallet ( e.g., CashApp, XXXX, etc. ) Company : Block , Inc. ( CashApps parent company ) Complaint Description : On XX/XX/year>, someone fraudulently accessed my CashApp account and made an unauthorized transaction totaling {$920.00}. I immediately reported the issue to CashApp. However, my claim was denied, and they refused to return the stolen funds. 

When I called CashApps customer service, I was told they could not share the merchant information or details about the transaction. I requested a written explanation for the denial and access to the transaction data, both of which were refused. 

I believe CashApp is in violation of the Electronic Funds Transfer Act for failing to : Properly investigate the unauthorized transaction Provide a written denial explanation Provide the merchant 's information and transaction records I am requesting that CashApp : Reopen the investigation Return the {$920.00} that was stolen from my account Provide written documentation of the transaction and the reason for the denial My CashApp handle is $ XXXX, and the transaction occurred on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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 is a formal dispute of an inaccurate late payment reported by [ XXXX XXXX ]. I have reviewed the payment timeline and can confirm the payment was submitted on time. I take my credit history seriously, and I respectfully ask that the credit bureaus remove this inaccurate reporting from my file to avoid further harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
The inaccurate details on this account were not corrected or removed after the company ' initial investigation.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was charged interest on XX/XX/XXXX in the amount of {$28.00}. My balance was {$36.00} for the amount due. An automatic payment of {$25.00} was submitted on the due date XX/XX/XXXX, and a payment of {$11.00} was applied on XX/XX/XXXX. The amount subject to the interest rate should have been {$11.00}. The amount shown on the statement stated that the balance subject to interest was {$1300.00} ( see figure 1 ).

Additionally, I was charged {$34.00} on XX/XX/XXXX for my XX/XX/XXXX statement. I submitted more than the full balance ( submitted payment of {$2400.00} ) by the due date of XX/XX/XXXX. I was charged interest again when I have consistently made on-time payments. 

First interest charge on XX/XX/XXXX was charged on an amount that was higher than the balance due of {$36.00}. I was charged interest on a balance of {$1300.00} when the balance remaining after the due date was only {$11.00}. 

Second interest charge on XX/XX/XXXX, no balance remained after I submitted more than what was owed on the due date of XX/XX/XXXX. 

XXXX XXXX is charging me incorrect interest and refusing to correct their error. I have been a customer with them for almost 4 years. I have never had a problem with them until now. I will close my account and go with another bank if this is not resolved, and I will escalate to an official complaint for violating TILA regulation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRY : XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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:
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 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 2025-06-21 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: WA

Complaint narrative:
Received a charged-off payment status on my credit report by XXXX XXXX XXXX They never sent me a 1099c so I could write it off as income. But theyre still reporting it as if I owe the balance. Im requesting a copy of the 1099-C that I did not receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Received a charged-off payment status on my credit report by XXXX XXXX XXXX  They never sent me a 1099c so I could write it off as income. But theyre still reporting it as if I owe the balance. Im requesting a copy of the 1099-C that I did not receive.

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 2025-06-21 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian And Equifax remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
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

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