vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Citizens Debt relief LLC
State: CO

Complaint narrative:
To Whom It May Concern : I am writing to report significant concerns regarding my debt resolution experience with Citizens Debt Relief ( CDR ). 
On XX/XX/XXXX, I entered into a debt resolution agreement with CDR to consolidate XXXX XXXX credit card and XXXX XXXX XXXX accounts, totaling approximately {$20000.00} in unsecured debt. In XX/XX/XXXX, I requested and received an account statement from Reliant Account Management ( RAM ), the third-party payment processor used by CDR. The statement reflects {$26000.00} in total deposits into the designated account and {$10000.00} disbursed to creditors. 
Despite these payments, only XXXX of the XXXX debts appears as paid and closed on my XX/XX/XXXX credit report. The only settlement offer I ever received from CDR was for XXXX of the smaller XXXX XXXX accountsyet this account, along with the XXXX account, remains unpaid and open. 
Throughout the program, I experienced persistent communication issues, delayed responses, and inadequate support regarding discrepancies I raised. For example : In XX/XX/XXXX, XXXX failed to process my scheduled payment, and CDR never notified me. 
At my request, XXXX processed a double payment in XXXX, but an additional unauthorized payment was also withdrawn. 
These unauthorized withdrawals continued from XX/XX/XXXX through XX/XX/XXXX. 
Despite these extra payments, CDR continued to report that I owed the original number of payments. They eventually agreed that the XX/XX/XXXX payment would be my final payment, yet I never received documentation confirming completion. 
In XX/XX/XXXX, more than XXXX year after my final payment, my wages began being garnished by XXXX XXXX XXXX XXXXXXXX XXXX XXXX, representing XXXX. According to them, payments had been made from XX/XX/XXXX through XX/XX/XXXX, then abruptly stopped. They also confirmed that CDR never returned a signed stipulation letter from XX/XX/XXXX, causing the agreement to default. 
CDRs response to this situation was limited to issuing XXXX reimbursement checks totaling {$5300.00} and informing me that they could no longer service my account, stating : This concludes your relationship with Citizens Debt Relief. 
I have continued to experience wage garnishment every XXXX weeks, with the XXXX balance listed as {$13000.00}, accruing 8 % interest. This situation has caused significant financial hardship, severe credit damage, and considerable mental stress, particularly because I fulfilled my obligations under the debt resolution program and paid more than the originally agreed resolution amount. 
Given the circumstances, I believe there may have been breach of contract, negligence, or unfair business practices on the part of Citizens Debt Relief. I am seeking assistance, guidance, or review of this matter by the appropriate authorities. 
Thank you for your time, attention, and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: SC

Complaint narrative:
CBE GROUP is falsely reporting on my credit. I have never had any accounts with them. Per my research CBE GROUP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
FOLLOW UP AND RESPONSE TO EMAIL THAT TRANSUNION SENT ME TRANSUNION DISPUTE LETTER FRAUDULENT ACCOUNTS REINSERTED Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Email : XXXX XXXX : XXXX SSN ( last XXXX ) : XXXX Re : Identity Theft and Illegal Reinsertion XXXX XXXX XXXX and XXXX XXXX To TransUnion : This is a formal notice of continued violations of federal law regarding the fraudulent XXXX XXXX XXXX and XXXX  XXXX accounts. Both were previously deleted from my TransUnion credit report and later reinserted without any written notice to me, violating FCRA 611 ( a ) ( 5 ) ( B ) ( ii ). You also failed to block the identity theft information as required by FCRA XXXX and failed to reinvestigate properly under XXXX. 
Fraudulent Account XXXX XXXX XXXX XXXX, Account # XXXX This account was opened without my authorization. My Police Report # XXXX and FTC Report XXXX XXXX both confirm it is identity theft. The payment record shows immediate delinquency and XXXX valid payments, typical of fraud. It was removed and unlawfully reinserted without any reinsertion notice. 
Fraudulent Account XXXX XXXX  XXXX ( Charged-Off ), Account # XXXX This credit card account was fraudulently opened and is confirmed in both my FTC and police reports. The payment patternimmediate default and no paymentsshows clear identity theft. TransUnion previously deleted this account, then reinserted it without notifying me within XXXX days as required under 611 ( a ) ( 5 ) ( B ) ( ii ).

Required Action XXXX. Immediately delete and block both fraudulent accounts under FCRA 605B. 
XXXX. Provide written confirmation within XXXX business days. 
XXXX. If you refuse, send full documentation of how these accounts were verified and who at the furnisher certified their accuracy. 
Notice of Continued Violations TransUnion has repeatedly failed to follow FCRA procedures. Reinserted accounts without notice constitute willful violations of federal law. If not resolved immediately, I will file complaints with the CFPB, FTC, and the Florida Attorney General. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: TD BANK US HOLDING COMPANY
State: NV

Complaint narrative:
I purchased a vehicle from XXXX XXXX of XXXX on XX/XX/year>. I verbally instructed the dealer many times that I wanted to finance the vehicle through XXXX XXXX  only. During the purchase, I was presented with a document that would authorize financing through TD Bank, and I explicitly refused to sign it. The staff told me they would proceed with XXXX instead. 

Despite this, my credit application and loan were submitted to TD Bank without my authorization. I only learned this after TD sent me a notification. This financing does not match what I agreed to, and the dealer misrepresented how my application would be handled. 

I am requesting CFPB assistance to have the dealership unwind the TD Bank contract and submit the financing to XXXX XXXX, as originally agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
Even though the balance has been paid in full, late payment remarks remain.

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 2025-11-21 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: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
My credit card was charged {$200.00} on XX/XX/year> by XXXX XXXX XXXX. This was for a tire repair, that was under warranty, so I should have never even been charged for the repair at all. Also, I informed the credit card company that I never authorized this to be charged to my credit card, not did I sign for this charge. This is fraud, but the credit card company has refused to do anything about this issue whatsoever. 

This needs to be removed from my credit card as it is not a valid charge, and it is a fraudulent charge as well.

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 2025-11-22 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: 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INACCURATE LATE PAYMENTS.I HAVE NEVER BEEN LATE ON THE ACCOUNTS.

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 2025-11-22 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: CT

Complaint narrative:
Since XX/XX/scrub> 2025, the company has repeatedly contacted me by phone, app notifications, and email to demand payment on an auto loan I formally disputed and rescinded in writing. On XX/XX/year>2025, I sent a certified rescission and dispute notice to Western Funding and instructed them that all communication must be in writing only. I also emailed Western Funding and Westlake Financial the same notice. 

Despite this written cease-contact request, I have continued receiving repeated collection attempts from both Western Funding and Westlake Financial . These include multiple calls from numbers associated with Western Funding ( XXXX, XXXX ) and calls from Westlake Financial ( XXXX ). I also received repeated app notifications and email billing statements demanding that I log in and make a payment. These contacts occurred on numerous dates throughout XXXX, including XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

The company has continued attempting to collect the debt after I told them in writing to stop all phone and app communication. They have ignored my formal dispute, ignored my written rescission, and ignored my request for communication in writing only. They have also not provided the written information I requested, including an accounting of the loan and information about how and why the account was transferred or serviced by Westlake. 

I have documented each call, voicemail, app notification, and email. The company continues to contact me even though they know the debt is disputed and under review. I am requesting the CFPBs help because the companys repeated contact appears to violate debt collection rules and continues to cause stress and harassment while the account is in formal dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Issue : Capital One closed my fraud dispute despite clear evidence the charges were unauthorized and the merchandise was not delivered to me. 

Complaint : I am the sole authorized user on my Capital One credit card. I disputed {$1500.00} in unauthorized online transactions. Capital One denied my dispute claiming there was insufficient evidence of fraud and that I benefitted from the transactions. This is incorrect. 

The merchant provided tracking that does not show delivery to me. It only shows delivery somewhere in my city, not to my residential address. The package was delivered to a commercial office building where I do not live, work, or receive mail. It was signed for by a person whose name I do not recognize. The signature does not match mine, and the address does not match my shipping or billing address. The XXXX photo delivery proof also shows it was not delivered to my address. I did not make or authorize these transactions from XXXX, which were also purchases that did not match my spending patterns. 

This is clear evidence that I did not make the purchase, did not receive the goods, and did not benefit from the transaction. I also had my physical card in my possession at all times. 

Despite this, Capital One held me responsible for the charges, refused to reverse them, and closed the investigation without properly considering the facts. This violates the Fair Credit Billing Acts requirement for a good-faith investigation into unauthorized charges. 

* I am attaching everything I sent to Capital One as well for reference I am requesting the CFPB require Capital One to : Reopen the dispute and conduct a proper reinvestigation. 

Remove the {$1500.00} in unauthorized charges. 

Provide documentation they relied upon in reaching the conclusion that I benefitted. 

Desired Resolution : A full reversal of the unauthorized charges and proper compliance with the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XX/XX/XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 non-monetary relief
Consumer complaint received 2025-11-22 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-22 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: VA

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 2025-11-22 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: SC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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