vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: OH

Complaint narrative:
my account with exceed XXXX XXXXXXXX XXXX XXXX card stopped working. i tried to log into the account online and was locked out. i called and was informed the account would be closed due to suspicious activity. they refused clarity on the subject and wouldnt allow me to decide the next steps. they refused tranferring funds to my other bank account and told me a check would arrive in less than XXXX weeks. i called back XXXX weeks later after recieving nothing but a closed account paper in the mail. they said the request for a check hadnt been placed and they needed a drivers license to confirm my indentity. they already have my name adress date of birth social security number email and phone number. then a week after this i called and because the drivers license is to my old adress from before purchasing my home they requested another document and told me it is going to take even longer. theyve witheld my money for nearly a month and i have bills to pay. theyre also rude and dehumanizing on the phone calls. i dont find it fair to spend more of my time dealing with their mistakes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXX XXXX XXXXXX/XX/XXXX, Balance : {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1100.00} 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, Balance : {$1000.00}

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 2025-08-04 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 follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXXXXXX 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, Balance : {$00.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$62.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information that appears on my credit report pursuant to 15 U.S.C. 1681c-2, and to formally request that this information be blocked or removed. I am including a copy of my identity theft report issued by the Federal Trade Commission ( FTC ) XXXX as supporting evidence for my claim.

According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block or delete any information identified by the consumer as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As outlined in 15 U.S.C. 1681c-2, I am formally requesting that this fraudulent information be blocked or removed immediately from my credit report. This information should remain blocked for a period of one year, after which I may request an extension. During this time, no fraudulent data should continue to appear in my file. 
I have contacted the credit bureau reporting these fraudulent accounts multiple times, and they have failed to provide me with an effective resolution. This situation is severely affecting me and feels like a never-ending cycle. I do not understand how these accounts can still be reported as mine when I have already proven otherwise. 
Please help me by removing these accounts immediately. I am including my FTC report again, hoping that you will make a better and fairer decision in my case. Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: PA

Complaint narrative:
After reviewing my credit reports with all three bureaus, I see that there are two accounts listed that were opened fraudulently. My personal information has been exposed in multiple data breaches which one of them were the XXXX XXXX Data Breach. The accounts that should be removed are listed below and should be addressed immediately. I have also provided all three credit bureaus and the reporting companies with supporting documentation and the matter has yet been resolved. Please remove the listed accounts immediately : XXXX Account # XXXX {$2700.00} XXXX XXXX Account # XXXX {$1100.00}

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 2025-08-04 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: MA

Complaint narrative:
I am filing this complaint regarding the inaccurate, incomplete, and potentially unlawful reporting of accounts and personal information on my credit reports maintained by the XXXX XXXX XXXX XXXX Equifax andthe original creditors or third-party debt collectors furnishing the information. 

Despite previous attempts to resolve these issues directly with the reporting entities, my credit files continue to reflect derogatory information that is : Outdated or unverifiable Reported inconsistently across bureaus Noncompliant with Metro 2 reporting standards Not properly validated per FCRA 609 or 611 Potentially resulting from identity theft, errors, or mishandled reinvestigations What laws do you believe have been violated?

I believe the following laws may have been violated : Fair Credit Reporting Act ( FCRA ) Fair Debt Collection Practices Act ( FDCPA ) Metro 2 compliance standards ( required by the CRAs ) Consumer Financial Protection Bureau regulations regarding data accuracy and consumer dispute handling How has this issue impacted you?

This inaccurate reporting has negatively impacted my credit standing, limited my access to credit opportunities, caused financial distress, and led to repeated denials of credit, employment, or housing. The failure to investigate or properly correct these errors after formal disputes has caused unnecessary frustration and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: MA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim.

Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be frozen : XXXX XXXX - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported.

I have contacted TRANSUNION multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

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 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: MN

Complaint narrative:
I took a short term loan but the interest and fees are outrageous and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
On XX/XX/year>, a wire transfer in the amount of {$100000.00} and {$15000.00} USD was made by an individual to our business checking account held at Bank of America. The funds were remitted pursuant to a formal, signed loan agreement between the sender ( borrower ) and our company, XXXX XXXX XXXX XXXX XXXX ( lender ). The agreement was executed on XX/XX/year>, and included clearly defined repayment terms and a legitimate business purpose. A copy of the fully signed loan agreement was provided to both parties and is available for review. 

Following the transfer, Bank of America froze the account without any prior warning, justification, or notification to our company. We only discovered the account freeze upon attempting to access funds for operational expenses. To date, no specific reason has been communicated regarding the freeze, and no resolution has been offered. 

In good faith, we submitted all available documentation to BOA, including : - The signed and dated loan agreement. 
- A copy of the borrowers government-issued photo ID. 
- Screenshots of the message thread confirming mutual understanding of the transaction and repayment terms. 
- Receipts and wire confirmation provided by the sender. 
- A signed acknowledgment of funds received and processed. 

We also made direct contact with BOA 's risk and fraud department to request a case update and to validate the legitimacy of the incoming wire. As of this filing, no one from BOA has provided a formal explanation or timeframe for account restoration. 

This prolonged and unexplained freeze of legitimate business funds has caused significant harm to our operations and violates basic principles of due process and fair banking. 
We respectfully request the CFPBs assistance in : 1. Urging Bank of America to provide a formal explanation for the account restriction. 2. Releasing the funds associated with the verified and fully documented transaction.

3. Preventing future arbitrary freezes on lawful and contract-backed business transfers without due process. 

We are prepared to provide any further documentation or testimony needed to resolve this matter promptly and fairly.

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 2025-08-04 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: CA

Complaint narrative:
The late payment listed on my credit report has caused me significant stress, especially as I have always prioritized my financial responsibilities. I believe this report is inaccurate.

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 2025-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Zions Debt Holdings
State: FL

Complaint narrative:
on XX/XX/year> i contact the company they have a 3 party contract with my name and someone else company on the phone they say my social but my social is not on the contract i search everything and it seems that there are many person reporting this company saying the put a collection in there credit that are not there's everyone with the same problem and the collection agency is not verify and the address is a online and there sems some connection with the 3 party contract company my at the end it seems that the collection company is a fraud they are doing fraud together with the 3 party that makes the fake contracts just by searching each person and company in the contract and the address you can see it.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: NY

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit file. The item in question is a collection account reported by Westlake porfolio management opened dated XX/XX/year> the amount {$16000.00} This account is being inaccurately reported on my credit report, and i am requesting that it be investigated and either corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ) Please initiate and investigation into this matter and send me written confirmation of the outcome. if you are unable to verify this debt, i respectfully request that the account be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Better Mortgage, Inc.
State: OH

Complaint narrative:
I applied for a HELOC with Better Mortgage in XX/XX/year>. My home was appraised at {$1.00} XXXX. The basement is unfinished but was disclosed and clearly documented in the appraisal, which was completed as-is and did not state that completion of the basement was a condition of value. 

After the appraisal and a hard credit inquiry, Better.com informed me that the HELOC could not move forward unless I finished the basement citing XXXX XXXX policy on postponed improvements. However, this policy only applies when improvements are planned and disclosed as such by the borrower. I made no such plans, and the basement is not under construction. 

The appraisal itself stated that the basement was unfinished and not an accessory dwelling unit. It assigned a market value of $ XXXX based on the homes current condition. I was not told prior to the hard credit pull that unfinished areas would disqualify me, and I believe Better.com has misapplied the investor guideline in this case. 

Im requesting that the CFPB investigate whether Better.coms handling of my HELOC application including the post-credit denial based on non-disclosed required improvements meets fair lending and disclosure standards. I am now pursuing a HELOC elsewhere, but this process caused unnecessary credit harm and delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I applied for the credit card XX/XX/XXXX, less than XXXX  days ago. After applying, I was told I was approved and I could choose to accept the credit card. Since the credit limit was not to my preference, I did not accept and it did not say I needed to do anything on my side to decline so I did not accept or sign any acceptance agreement. After that point, I was sent a letter in the mail with a card saying to activate it and when I called support and explained the situation, I was transfered to a manager who said there was nothing he could do and that I'd have to contact someone. I was then given an address where I could contact for legal but there is no response time guranteed and I dont want to go past XXXX  days since the original application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
Im filing a claim against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} 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, Balance : {$2100.00} 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, Balance : {$710.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$5400.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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