vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/year>, I paid off the full balance on my Citi Best Buy Credit Card account as part of my preparation to purchase a home. Following that payment, Citibanks system automatically deactivated my autopay enrollmenta change I was unaware of and did not manually initiate. 

Despite the autopay deactivation, a recurring {$11.00} charge for my XXXX XXXX warranty from Best Buy continued to be billed to the account. Because autopay was no longer active, the charge went unpaid, leading to a reported delinquency on my credit file. 

I contacted Citibanks collections team on XX/XX/year>, at approximately XXXX XXXX  XXXX, and they confirmed that the autopay was canceled after I paid the balance in full. They also confirmed that the charge was valid, but caused by this unintended system change. I immediately paid the balance in full, reactivated autopay, and enabled paperless notifications to prevent this from ever happening again. 

Despite these steps and my 10+ years of responsible account history, Citibank declined my goodwill request to remove the delinquency. The reported entry has since caused a drop of approximately 80 points in my credit score, making it significantly more challenging to qualify for a mortgage. In addition, Citibank reduced my available credit from {$10000.00} to {$350.00}, further impacting my credit utilization ratio and overall credit profile. 

I fully understand that Citibank must report accurately, and I do not dispute the legitimacy of the charge. However, this issue arose from a technical and procedural error following account payoffnot from negligence or nonpayment. The situation represents a rare and unintentional deviation from an otherwise flawless record of on-time payments and responsible account management.

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 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BMO BANK NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I opened an account on XXXX at BMO and on day XXXX my account balance should have XXXX to get the XXXX bonus offer however BMO is blocking my funds transfers therefore deceptively advertising a XXXX bonus offer. 
The XXXX transfer of XXXX from XXXX XXXX on XX/XX/XXXX to BMO was supposedly cleared by BMO XXXX department however after getting transferred 3 times and wasting an hour of my life ( reflects Manual ) there is no XXXX deposit or credit back to XXXX XXXX 

I tried to send the XXXX attempt of XXXX on XX/XX/XXXX and it was BLOCKED AGAIN. No one at BMO has been able to help after calling 4 times to find out where my XXXX funds are. 
On XX/XX/XXXX called BMO again and tried to escalate the call to a XXXX and was told she was at lunch and that they would call me back. NO CALL BACK and NO ONE CARES ABOUT MY MONEY OR CUSTOMERS. Who is running this BMO bank? 

I called XXXX XXXX and also filed a claim with no response or credit. I want to know where my XXXX XXXX DOLLARS ARE. XXXX giving you XXXX business days to credit my funds or hiring an attorney. BMO and XXXX XXXX can pick up the attorney fees. 

Im now on the XXXX day with NO FUNDS CREDITED TO NEITHER ACCOUNT Capital XXXX Account Name : XXXX XXXX BMO Account Name 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 2025-11-01 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: Credit Control, LLC
State: NV

Complaint narrative:
I am filing this complaint against XXXX XXXX  XXXX XXXX and Credit Control , LLC for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) involving the continued reporting of an unverified collection account on my Experian credit report. 

Account Details Furnisher : Credit Control , LLC Original Creditor : T-Mobile Account Number : XXXX Reported Balance : {$320.00} Date Opened : XX/XX/year> Status Updated : XX/XX/year> Reporting Bureau : XXXX Summary of the Issue I disputed this account directly with Experian on XX/XX/year> under FCRA XXXX XXXX a ), requesting verification of its accuracy and completeness. 
To date, neither XXXX  nor Credit Control , LLC has provided any documentation or validation substantiating that I owe this debt or that it was properly assigned from the original creditor, XXXX. 

Despite the absence of validation, Experian continues to publish this tradeline as an active collection account. 
This conduct violates multiple provisions of federal law and accepted XXXX XXXX data furnishing standards that require furnishers and credit bureaus to report only accurate, verified, and complete consumer data. 

Relevant Legal Violations FCRA 611 ( a ) ( 1 ) ( A ) : Failure to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 5 ) ( A ) : Failure to delete unverified information.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known or believed to be inaccurate.

FCRA 623 ( a ) ( 2 ) : Failure to correct and update after notice of dispute.

FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ) : Failure to provide debt validation upon request.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company, XXXX XXXX is currently reporting a charged off account showing on Experian, Equifax, and TransUnion. This account was paid in full in XX/XX/XXXX. This account should not be showing as charged off which means cancellation of debt. I contacted this company in XX/XX/XXXX and XX/XX/XXXX requesting a copy of the 1099-C and they have not responded to my requests for this document. I searched my IRS account on the IRS website and confirmed there has not been a 1099-C filed for this charged off account in XXXX. I am requesting that this inaccurate information be removed from the reporting agencies : Experian, Equifax, and TransUnion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Company, XXXX XXXX is currently reporting a charged off account showing on Experian, Equifax, and TransUnion. This account was paid in full in XX/XX/XXXX. This account should not be showing as charged off which means cancellation of debt. I contacted this company in XX/XX/XXXX and XX/XX/XXXX requesting a copy of the 1099-C and they have not responded to my requests for this document. I searched my IRS account on the IRS website and confirmed there has not been a 1099-C filed for this charged off account in XXXX. I am requesting that this inaccurate information be removed from the reporting agencies : Experian, Equifax, and TransUnion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
I started paying Wakefield and Associates, a debt collection agency, on XXXX XXXX the monthly amount of XXXX. This amount was payment for only two accounts. Permission was not given by me for any other accounts. Permission for these two accounts were given verbally on the phone, on a recorded line, to pay by debit card automatically each month. We were given no amount to be paid for the total of the two accounts. I recently contacted Wakefield and Associates asking about the two accounts and the total amount owed on XX/XX/2025. I found out from Wakefield and Associates that I had paid XXXX dollars and XXXX cents on XXXX accounts, which none of those accounts were permitted by me to be automatically charged to my debit card. I was informed that 24 accounts had been paid of which I knew nothing about. There are two accounts still active that Wakefield and Associates state that I owe for. One of the accounts, I had given permission to pay through automatic billing. The other account was not listed at the time on XX/XX/2025 or given permission by me to be paid or even added to the account. This account was not added until sometime in XXXX of 2025. I feel that I have been paying on accounts that had nothing to do with what was originally owed. Wakefield and Associates still states that I owe them over XXXX dollars which has been more than paid at this point. They have been contacted and stated that they know nothing about these charges.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: LA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Westlake Services, LLC
State: FL

Complaint narrative:
all the addresses on the stuff im about to report is false thats not the right infor nor have ever lived there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grants consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft XXXX Account Number : XXXX This account is not mine, I never opened this account, I am a victim of identity theft. I have included an FTC report. Please investigate and remove this from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Chime Financial Inc
State: WI

Complaint narrative:
I had my social security XXXX checks direct deposited into my chime XXXX XXXX  account and I had the chime app downloaded on my cell phone. 15 days ago I dropped my cell phone and it was completely destroyed therefore I could not access my apps ( chime ) due to the destruction of my phone. there was no way for me to access my chime account number or my password. So I was calling chime for XXXX weeks straight and quite a few times I called twice a day. It's like they're trying to keep my money. I have almost XXXX grand in this chime account and they were stating I had to have a cell phone in order for them to text me a code for authentication I explained to them that I broke my cell phone and I am unable to access the chime app which you can only reset your password, update your information, update your email address and even to close my account. chime had me so angry and frustrated it is affecting my life. I have XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and my youngest is XXXX XXXX XXXX. Then with the government shut down I am unable to get MY money. For the duration of the XXXX weeks I was calling to try to rectify the problem and every attempt failed I asked is there another way to pass the authentication and they said no I have to have a cell phone so they can send me a code. I don't have a cell phone! Now if I had access to MY money I could buy another cell phone which I really need. Now mind you, during these phone calls I provided my full name, my address, last XXXX of my social security number, my D.O.B and I offered to give them my drivers license number. chime is absolutely not cooperating. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Paypal Holdings, Inc
State: SC

Complaint narrative:
I recently won some money off of XXXX {$240.00} I set up a XXXX  account and my account is quickly froze XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Experian and Equifax have illegally placed extended fraud alerts on my credit report which has caused me hardships and being denied things due to not being able to access my credit report. I did not authorize this and want this immediately removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: FL

Complaint narrative:
In XXXX, I lawfully surrendered a Florida timeshare interest through a recorded XXXXXXXX XXXX and XXXX of Foreclosure. Despite this, the management company, XXXX XXXX XXXX XXXX, after XXXX years refused to acknowledge the transfer and continued to assign the balance to Meridian Financial Services for collection. 

Meridian began reporting the account to TransUnion and other credit bureaus, starting around late XXXX, for roughly {$3500.00}. Since then, the reported balance has been increasing by about {$100.00} per month even though no valid debt exists. I have disputed the account multiple times with XXXX, but they continue to mark it as verified as accurate without ever explaining or providing documentation showing how the verification was performed. 

Meridian has ignored all written requests for validation under the Fair Debt Collection Practices Act ( FDCPA ) and the Florida Consumer Collection Practices Act ( FCCPA ). The company has also failed to provide any evidence of ownership or servicing rights, and the balance increases violate Floridas restrictions on unauthorized interest or fees. 

I have exhausted all dispute channels with TransUnion and have not received any meaningful response from either XXXX or XXXX XXXX XXXX. I am requesting the Attorney XXXX XXXX XXXX XXXX to investigate potential violations of the FDCPA, FCCPA, and the Florida Deceptive and Unfair Trade Practices Act ( 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 2025-11-01 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: Harley Davidson Financial Services Inc
State: TN

Complaint narrative:
I am writing to formally notify you to cease and desist all communication with me regarding the alleged debt you claim I owe, pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ).

Under this federal law, once a consumer notifies a debt collector in writing to cease further communication, the collector must stop contacting the consumer except for the following limited purposes : 1. To advise that further efforts to collect the debt are being terminated ; 2. To notify the consumer that the debt collector may invoke specified remedies ; or 3. To notify the consumer that the debt collector intends to invoke a specified remedy.

Accordingly, you are hereby instructed to immediately stop all direct and indirect contact with me, including but not limited to phone calls, text messages, emails, letters, or any other form of communication. Any future contact from your company or its representatives that violates this request will be documented and may result in a complaint to the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the State Attorney Generals Office.

This notice does not constitute an acknowledgment or validation of the alleged debt, nor does it waive any of my rights under the FDCPA or other applicable laws. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
I created a crypto account on Coinbase so I can trade but within 4 months of trading my account got blocked I took a loan of XXXX dollars from my father to invest but now that money is blocked in Coinbase whenever I reach out to them they say that there in identification problem first than after I passed that they tell me that anti money laundering department has my account locked I dont know what to do or where to go its been almost 7 months and I have no access to that my money Im currently fianancially unstable my dad wants his money back and keeps coming and talking to me about it this is mentally affecting me and Im in really much need of help with please help me get my money back so I can pay my father back and finally be free

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
On XX/XX/XXXX I made a purchase for through Paypal for a jumpsport rebounder using the pay in XXXX payment plan and was charged XXXX ( XXXX payment of the XXXX ). 

I returned the merchandise because I purchased the incorrect style. 
On XX/XX/XXXX, i was charged the second payment of XXXX. 

On XX/XX/XXXX XXXX issued me a refund of ( XXXX which included an XXXX shipping fee ). the other XXXX payments dropped off. Paypal shows this refund on their account, HOWEVER- I NEVER RECEIVED THIS CREDIT CARD REFUND FOR MY XXXX. 

Paypal unlike no other company is a nightmare to get a hold of anyone regarding disputes- NO phone number, nothing. So I processed a chargeback with my Credit card company- XXXX. I had to send in documentation to support my dispute. They double checked to verify that I never received my refund of XXXX, which was not in my XXXX account. I had to dispute the XXXX early charges because that was the only charges I could dispute since there was an XXXX shipping return deducted from the first XXXX payments which totaled XXXX. 

XX/XX/XXXX My XXXX Credit card company closed the dispute and permanently kept the refunds of XXXX each. 

On XX/XX/XXXX, I contacted Paypal to remove my credit card and close my account, unfortunately through their chat system because that is the only way to reach them. A man by the name of XXXX? responded and was extremely rude- I explained to him what had happened and basically he accused me of getting a double refund- So tacky and unprofessional. I explained to him that the original refund of XXXX that shows on Pay pal NEVER made it to my credit card. I have never dealt with such a rude, unhelpful, and ignorant human being. I also explained to him that my Credit Card company would never issue me XXXX refunds and that they double check and verify everything. That is why a chargeback takes so long to complete. THE REFUND NEVER went through to my account even though it shows on Paypal as a refund. 

XXXX then told me that my account was delinquent and he would not close it. I told him I would also contact the FTC. Hey dudes was fined XXXX XXXX for unethical customer refunds. No one should ever have to go through what I have been through from a simple refund. I have never had any problems with any company having to issue a refund. 

In all honesty- the only thing I owe Paypal now that the dispute is finalized is the {$11.00} for shipping- I am honest.

Company response to consumer: Closed with non-monetary relief