vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: Westlake Services, LLC
State: AL

Complaint narrative:
I originally took a high interest loan through another company to help build my credit, to which I made on time payments for 2 years without fail. One month the companys online payment service was not working so I had to call in to make the payment, at this time there was no mention of the business closing or selling my loan to Westlake financial, the next month I tried to call in to make my payment and there was no answer at the business and when l looked online it said the location had closed, I received no letters from them, no phone calls, no emails. Nothing XXXX XXXX XXXX XXXX. Then 3 months pass and even though I had tried to figure out what had happened I was not able to get ahold of anyone concerning the matter. The only way I knew that Westlake had bought the loan was because it was eventually reported on my credit report. At that time I contacted the company and tried to resolve the issue and just reset the loan so that I could continue to make the payments, I asked them to please remove the derogatory marks from my credit, the man I spoke with at the company assured me that making a payment and him deferring XXXX payments missed and me disputing the credit marks would resolve the issue and get me back on track with the loan. 2 weeks later they repoed the vehicle without warning and have not told me anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am filing a complaint because an account that was previously deleted from my Equifax credit report on XX/XX/year>, was reinserted on XX/XX/year>. The account had been disputed, and it was removed from my report after that dispute. However, when the account was reinserted, I did not receive any written notification from Equifax as required by the Fair Credit Reporting Act ( FCRA ). Under FCRA Section 611 ( a ) ( 5 ) ( B ), I am entitled to be notified in writing when an account is reinserted after being removed, but I have not received such notification either by mail or email. 

Additionally, the same account was already removed from my reports with other credit bureaus ( such as XXXX  and XXXX  ), who have correctly handled the dispute and removed the account without reinsertion. Equifaxs failure to provide me with the required notification and reinsert the account without cause is a violation of my rights, and I am requesting that the account be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I haven't gotten no refunds or help with my issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
Ive recently notice negative damages towards my credit report and just would love this problem fixed 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 non-monetary relief
Consumer complaint received 2025-04-19 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: OH

Complaint narrative:
Ive recently notice negative damages towards my credit report and just would love this problem fixed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
I am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to XXXX XXXX XXXX  XXXX ( Right of Rescission ), XXXX XXXXXXXX XXXX XXXXXXXX ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, XXXX XXXX XXXX  XXXX ) and the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ). Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws. Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus. Right to Rescind If this debt qualifies under XXXX XXXX XXXX XXXX, I am requesting to exercise my right of rescission and have this charge-off removed from my records. Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( Experian, Equifax, and TransUnion ). Under the Fair Credit Reporting Act ( FCRA, XXXX XXXXXXXX XXXX XXXXXXXX ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within XXXX days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within XXXX days from the date of this letter in accordance with the FCRA and FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 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: NY

Complaint narrative:
I am writing to formally request the removal of a charge-off from my credit report related to account name XXXX XXXX XXXX and Account number XXXX. This request is made pursuant to XXXX XXXX XXXX  XXXX ( Right of Rescission ), XXXX XXXXXXXX XXXX XXXXXXXX ( Fair Debt Collection Practices Act ), as well as my rights under the Fair Credit Reporting Act ( FCRA, XXXX XXXX XXXX  XXXX ) and the Fair Debt Collection Practices Act ( FDCPA, XXXX XXXXXXXX XXXX XXXXXXXX ). Upon reviewing my credit report, I have noticed that your institution has reported a charge-off. Under federal law, I am exercising my right to dispute this negative item and request the following : Verification of the Charge-Off Status Provide detailed documentation proving that this debt was lawfully charged off and that all procedures adhered to the applicable laws. Proof of Ownership and Authority to Report Please provide the original creditor agreement and any documentation showing that your institution has the continued legal authority to report this debt to the credit bureaus. Right to Rescind If this debt qualifies under XXXX XXXX XXXX XXXX, I am requesting to exercise my right of rescission and have this charge-off removed from my records. Correction of Inaccurate or Unverifiable Information If you are unable to validate the charge-off in compliance with XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and the FDCPA, then I request the immediate deletion of this charge-off from all three major credit bureaus ( Experian, Equifax, and TransUnion ). Under the Fair Credit Reporting Act ( FCRA, XXXX XXXXXXXX XXXX XXXXXXXX ), if the information can not be verified, it must be deleted from my credit report. If you are unable to provide the necessary documentation within XXXX days, I will consider this charge-off inaccurate, misleading, and unverifiable, and I will pursue all available legal remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. Please confirm in writing that you will comply with this request and notify the credit bureaus to remove this charge-off. I expect a response within XXXX days from the date of this letter in accordance with the FCRA and FDCPA.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
Please take action to block and delete the unauthorized accounts from my credit report at your earliest convenience. I have no knowledge of these accounts, nor did I approve their creation. In compliance with USC 1681g, I am requesting they be removed within 15 days. Enclosed are documents for your evaluation. Its important to note that each bureau is reporting different and inaccurate details for the same accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: GA

Complaint narrative:
Is XXXX that I should never get into I've been paying for a year now every time I put extra money it look like it never goes down I owe now about {$9800.00} I believe and I tried to see if I can get extension and they won't let me my past due date is XX/XX/XXXX and I had a hardship so I'm trying to get back on my feet and my for my family

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: MD

Complaint narrative:
I recently discovered a derogatory account reported by SOURCE RECVB on my credit report, referencing an alleged debt from XXXX XXXX XXXX XXXX The account was opened on XX/XX/year>, with a reported balance of {$1100.00}. It is marked as Derogatory and was last updated on XX/XX/year>. No payments are listed, and I was not made aware of this debt prior to its appearance on my credit report. 

I have not received any communication, notices, or billing statements from either XXXX  or SOURCE RECVB before the reporting of this account. This appears to violate 15 U.S.C. XXXXc, which regulates when and how a debt collector may communicate with a consumer. Furthermore, I was not given a written debt validation notice or an opportunity to dispute the debt within XXXX  days as required under 15 U.S.C. XXXXg. 

At no point was I notified of the transfer or sale of this alleged debt, and I do not recall owing any such amount to XXXX. Therefore, I dispute both the amount and the legitimacy of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
MYSELF AND MY PERMANENTLY XXXX DAUGHTER RECIEVES SOCIAL SECURITY MONTHLY AND WELLS FARGO WAS THE FIRST BANK THAT I OPENED UP MY ACCOUNTS TO SO THAT OUR PAYMENTS CAN GO INTO, NOT KNOWING THAT THEY WOULD DO SUCH CRAZY THINGS TAKING PEOPLE MONEY OUT OF OUR ACCOUNTS, IT CAME TO THE POINT WHERE I NEEDED A VEHICLE FOR MYSELF AND ALL OF MY KIDS, ESPECIALLY FOR MY XXXX  CHILD, WE WENT TO GET US A XXXXXXXX XXXX AND A XXXX XXXX XXXX WAS EXCITED ABOUT IT BUT NOT KNOWING THAT I WAS MISSING MONEY TO PUT DOWN ON THE DOWN PAYMENTS OUT OF MY ACCOUNTS ALONG WITH OVERDRAFT FEES, I WOULD MAKE CALLS TO WELLS FARGO BUT EVERYTIME I GOT ON THE PHONE WITH SOMEONE AND ASK TO SPEAK TO A CERTAIN PERSON I WOULD GET PUT ON HOLD FOR ALMOST AN HOUR, SO I HANG UP AND TRY AGAIN, THEY WAY NEVER PLAYING FAIR WITH ME, SO ONE DAY I LOOKED UP THEY SAID THAT THEY WAS CLOSING MY ACCOUNTS FOR NONE PAYMENTS TO MY ACCOUNTS, WHICH IS IMPOSSIBLE BECAUSE ME and my child gets XXXX. And out of nowhere my accounts was closedXXXX XXXX came and they got ahold of me stating that they owe me {$500.00} or more in payments, I'm still waiting.

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 2025-04-19 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: CA

Complaint narrative:
Account opened with XXXX XXXX  XXXX XXXX XX/XX/year> 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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
This is a secondary upload for TRANSUNION to include XXXX more PDF file uploads. 
Initial CFPB File Number : XXXX. FTC ID Theft Affidavit File Number : XXXX. XXXX XXXX XXXX  XXXX XXXX, CFPB Complaint ID & SSN CARD ( XXXX  ) .pdf. To provide proper identification and proof of address.

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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2025, a call was initiated at XXXX PST to Capital One Customer Service to inquire about lowering the APR on the credit card I hold with them. The representative checked and informed me that this was the lowest possible rate they could give, and that this is dictated by federal regulations. I tried to receive some clarification since the representative was effectively stating that the bank could not lower my interest rate based on the law, and that the government sets this rate. I tried to ask if they could break down how my APR was calculated, in consideration of the prime rate, but they refused to do so. It was a bit confusing, so I tried clarifying that what the representative was saying is that the current credit card APR I have with them ( 24.24 % ) is legally the lowest interest rate I could get at any bank where I had a credit card. The representative essentially said yes, but this did not sound right to me so I asked for more clarification. After a long period of silence, the representative hung up the phone before the issue was resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-04-20 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: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/XXXX, I was charged a {$50.00} security deposit by XXXX XXXX XXXX in XXXX. The hotel claims that the deposit was refunded to my Citi Bank credit card ; however, the refund has not appeared on my statement. I have contacted both the hotel and Citi Bank multiple timesfive times by phone and many times via email with Citi Bank, and XXXX times with the hotelbut the issue remains unresolved.

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 monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently checked my Credit Report and noticed inaccurate credit accounts on my 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 2025-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I attempted to achieve a {$900.00} welcome bonus for opening a checking plus savings account, and by placing {$15000.00} into the savings account. I opened the checking account and had several direct deposits made and received a {$300.00} bonus ONLY AFTER reminding Chase that I never received the {$300.00} bonus. 
Then I was to receive a {$200.00} bonus for opening a savings account and an ADDITIONAL {$400.00} bonus by depositing {$15000.00} within a month, which I did. The advertisement stated that I would receive a total {$600.00} bonus after 90 days. I waited patiently. 
I finally called and was told TOO BAD SO SAD, but I was supposed to have deposited ANOTHER {$15000.00} to receive the {$600.00} bonus. THAT WAS NOT THE ORIGINAL DEAL. 
I closed both accounts in disgust and moved all my money out. In addition to Chase withholding the {$600.00} bonus, I do not believe that I was credited with the interest for that {$15000.00} held by them for 3 months. That's a nice little scam they have going. 
So, I am complaining about this practice, and don't want others to fall victim to this scam. If Chase wishes to do the right thing and I receive the {$600.00} bonus, then that would justice. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the immediate removal of fraudulent and unauthorized accounts from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c-2 ( 605B ).

The following accounts were opened or reported without my knowledge, authorization, or consent and are the result of identity theft.

Under FCRA 605B, I have the legal right to request that any consumer reporting agency block the reporting of information that I identify as resulting from identity theft. This block must occur within four business days of receiving my : A copy of an identity theft report ( such as my FTC report or police report ) A specific request for the accounts to be blocked Additionally, under FCRA 611, I have the right to dispute the accuracy of any item. If the information can not be verified, it must be promptly deleted under FCRA 611 ( a ) ( 5 ) ( A ).

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 2025-04-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TN

Complaint narrative:
XXXX XXXX XXXX sent me a bill stating that a medical bill was sent to collections, and they were seeking payment. The charge was only described as an emergency physicians charge. 

I did seek emergency medical care from a hospital in XXXX, TN in XXXX and paid the bill in full after it was not covered by my insurance, as the office was out of network. The date of my care also didnt match the date of this supposed bill. 

I also confirmed with all my past medical visits, that they are indeed paid in full. 

I relayed this information to XXXX by sending a written letter in the mail, and by attempting to submit information on their website ( which appears to install malware on devices that utilize it ). The website claimed my information could not be submitted due to an error. 

Today, XX/XX/XXXX, I have received two separate mailings from XXXX stating that they XXXX XXXX XXXX XXXX is the original and current creditor and that I now owe an additional 10 % interest on the debt. 

I believe this debt to be made in error or to be a phishing scam.

Company response to consumer: Closed with non-monetary relief