vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
In XX/XX/XXXX, I financed a XXXX XXXX XXXX through Westlake Financial in coordination with XXXX  XXXX XXXX As part of the loan, I was charged {$2600.00} for a " Service Contract Retail '' product. This charge was financed into my loan, but I was not properly informed about the limitations or actual value of this service contract. 

The vehicle was already over 16 years old at the time of sale, making it unlikely that this service contract would provide any real benefit due to typical exclusions for age, mileage, and wear-related issues. I was never given a full copy of the contract or a clear opportunity to opt out. I only discovered the charge in full when reviewing the loan breakdown months later. 

On XX/XX/XXXX, I formally disputed this charge with both Westlake Financial and the dealership. I requested documentation proving that I knowingly and voluntarily agreed to this product, as well as a copy of the full service contract terms. As of now, I have not received any adequate response. 

I believe this was an unfair and deceptive add-on product, and I am requesting a full refund of the {$2600.00}, removal of this charge from the loan balance, and any applicable credits for interest that was charged on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I get XXXX benefits by direct deposit from XX/XX/XXXX to XX/XX/XXXX, My email that was linked to that account was deleted by XXXX for no activity my phone number was removed from XXXX  because it was old, when I was finally able to get a new cash app account I called cash app customer service to have them transfer my funds from old account to my new ever time they said they couldn't complete the money transfer, They said that some security block came up that wouldn't allow the transfer for me to try again in 24 hours, this has went on one week I try to reach out to management no response and no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: U.S. BANCORP
State: MO

Complaint narrative:
On XX/XX/year>, I transferred funds from my U.S. Bank account to my XXXX account ( {$500.00} twice, for a total of {$1000.00} ). These transfers were induced by a fraudulent cryptocurrency investment scheme involving a fake wrapped coin. 

The scammer disguised the coin as a legitimate cryptocurrency, and I purchased it using real cryptocurrency ( XXXX ). I have proof from XXXX confirming the coin was fraudulent and does not exist. This was fraud by inducement I was tricked into authorizing transactions under false pretenses. 

I filed disputes with U.S. Bank for the XXXX {$500.00} transactions, but the bank has stated they intend to reverse the provisional credit by XX/XX/year>. I am asking for the case to be re-opened and reviewed as fraud by inducement, which is recognized by the FTC and CFPB as a form of fraud, even if the transaction was technically authorized. 

At the time of the scam, I was dealing with serious health problems, attending school full-time, and working, while also contacting law enforcement and the platforms involved. This delayed my ability to provide all information immediately. If the reversal proceeds, my account will become negative, causing additional harm. 

I am requesting that the CFPB ensure U.S. Bank reopens and re-investigates my case in light of the documentation I can provide showing the fraudulent nature of the transaction. 

Let me know if you need any additional information after what I provide.

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 2025-08-09 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: FL

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXwas never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The addresses on my credit report are incorrect. Ive attached my documents for verification and request these addresses be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
Complaint Description for CFPB I am the XXXX XXXX XXXX XXXXXXXX. A XXXX XXXX store credit card account was opened in my name without my authorization. I have never applied for or used this account. 

I discovered this fraudulent account while reviewing my credit report. It is being reported by the credit bureaus with a balance of approximately {$6900.00} and marked as past due. This account is tied to an unfamiliar address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) and was linked to a XXXX XXXX  account ending in XXXX, which I did not own and which has since been closed after confirmed fraudulent activity. 

I have filed an Identity Theft Report with the XXXX XXXX XXXXt, Case # XXXX, dated XX/XX/year>, and I am attaching it here. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), once a creditor or credit bureau receives an identity theft report, they are required to block the fraudulent information from my credit file within 4 business days. 

I have notified XXXX XXXX and all three credit bureaus in writing, providing my police report, proof of address, and government-issued identification. Despite this, the account remains on my credit file and the creditor has not confirmed removal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-09 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: OR

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: OR

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. 

These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent information.

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 2025-08-09 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting this formal complaint to request the immediate removal of a fraudulent credit account from my credit file. This account was opened under coercive and abusive circumstances by my former partner, in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Texas Finance Code 392, which protect victims of identity theft and coerced debt. 

As documented in my sworn XXXX XXXX XXXX ( attached ), I was in a XXXXXXXX XXXX XXXX during which my XXXX  used my personal identifying information without my consent to obtain credit. Due to the nature of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was unable to prevent or report this at the time. The abusive circumstances meet the definition of coerced debt as recognized in consumer protection laws. 

This fraudulent account is causing ongoing harm by negatively impacting my credit score, creating barriers to housing, employment, and financial stability for myself and my XXXX minor children. 

I request the following actions : Immediate removal of the fraudulent account from my credit reports with all consumer reporting agencies.

Permanent blocking of any related negative information from reappearing on my credit file. 

Written confirmation that the account has been deleted from my records. 

I am including : A copy of my sworn XXXX  XXXX Affidavit detailing the abuse and coerced debt circumstances as per required in submitting these requests for debt removal from XXXX  XXXX and identity theft This matter is urgent, as the continued reporting of this account perpetuates the harm caused by the XXXX  and is impeding me from giving my XXXX children a safe start in life and is causing retraumatization from dealing with my abusive ex. Please treat this complaint with the highest priority and in accordance with federal and state protections for survivors of XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: IA

Complaint narrative:
I have sent multiple complaints via CFPB but I don't know why these negative items that are invalid and inaccurate are still on my credit report when I have done my part.

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 2025-08-09 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: TX

Complaint narrative:
Equifax is currently reporting XXXX charge-off accounts : XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX with a reported balance of {$0.00} and XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX  ) dated XX/XX/XXXX with a {$0.00} balance. These entries are inaccurate, misleading, and damaging to my credit history. They appear on my credit file without adequate verification, documentation, or clarification of the accounts current status. Such reporting misrepresents my creditworthiness and violates the protections afforded to me under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681e ( b ), Equifax is legally required to follow reasonable procedures to ensure the maximum possible accuracy of the information it furnishes. Continuing to report these charge-offs without complete documentation directly from the original creditor fails this legal standard. When I disputed these entries, Equifax responded with generic verification without producing signed contracts, payment records, or charge-off statements from the creditor confirming the accuracy of the reporting, violating 15 U.S.C. 1681i ( a ), which requires a thorough and reasonable reinvestigation.

The law demands that disputed information be verified through original documentation obtained from the creditor, not simply by automated electronic verification or reliance on third-party data sources. Without this original proof, Equifax has no lawful basis to continue reporting these derogatory accounts. Such negligence causes significant harm, including lowered credit scores, increased borrowing costs, and credit denials.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
I am filing this complaint against Equifax for violations of the Fair Credit Reporting Act ( FCRA ) related to multiple unauthorized hard inquiries that remain on my credit file despite being disputed. 

The following inquiries are appearing in my Equifax report : XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> I did not apply for credit, financing, or any services with these companies on or around the reported dates, and I did not give them written, verbal, or electronic authorization to access my credit report. Under 15 U.S.C. 1681b ( a ) ( 3 ), a credit bureau may only furnish my report to a third party if there is a permissible purpose initiated by me. These inquiries have no permissible purpose and are therefore unauthorized.

I disputed these inquiries with Equifax and specifically requested proof of my consent, as permitted under 15 U.S.C. 1681g. Equifax has failed to provide any signed application, agreement, or digital record showing that I authorized these inquiries. Under 15 U.S.C. 1681i, a consumer reporting agency must delete any disputed information that can not be verified, yet these inquiries remain.

Equifaxs refusal to remove these unverified inquiries after my dispute constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o. This has caused me financial harm, damaged my credit profile, and created unnecessary stress.

I am requesting that the CFPB require Equifax to : Remove all unauthorized inquiries listed above from my credit report Provide me with a corrected copy of my Equifax report I have attached my dispute letter and Equifaxs response as supporting evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: NC

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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