vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: IN

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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 2025-11-27 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: MD

Complaint narrative:
My car note is XXXX days late. XXXX days and Westlake Financial calls over XXXX times a day from several different phone numbers. They call everyday if the week some nights well past XXXX. They called me on XXXX several times. The calls are harassment at this point and for a payment that is not even a week late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXAttorney General'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: Experian Information Solutions 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 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 2025-11-27 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: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting by an auto finance company. They are reporting a repossessed auto loan on my credit file with multiple errors and inconsistencies across all three credit bureaus. The information they are furnishing is not complete, not accurate, and not consistent, which violates the Fair Credit Reporting Act 15 USC 1681e ( b ) and XXXX XXXX reporting guidelines. 

The company is reporting different dates of last activity on each bureau, different late payment histories, and different remark codes. One bureau shows no payment history at all, while the others show conflicting numbers of late payments. They are also reporting a past-due balance even though the vehicle was repossessed, which is inaccurate reporting of balance information post-repossession. The remarks and status codes also differ between bureaus. 

I have already disputed this information with the credit bureaus, and the furnisher verified the inaccurate data without correcting any of the inconsistencies. This indicates that a proper investigation was not performed, and the information they certified as verified is still incorrect. 

I am requesting that the CFPB require the furnisher to conduct a lawful reinvestigation, provide proper documentation supporting all information they are reporting, and correct or delete all inaccurate and inconsistent data they have furnished. If they can not provide full documentation proving the accuracy of every detail they are reporting, I am requesting removal of the account from my credit files due to failure to comply with FCRA and furnishing unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Chime Financial Inc
State: FL

Complaint narrative:
Yesterday on XX/XX/year>, I got an email saying that a new device logged into my chime account. It was from a XXXX XXXX XXXX phone. I don't even have a XXXXXXXX XXXX phone. So I went to my account to change the password immediately. That's when I noticed that someone had sent themselves a dollar transaction amount first and then by the time I was able to transfer my password they sent themselves another {$400.00} to somebody named XXXX XXXX I don't know a XXXX XXXX to even send money from my account too. I did not authorize this transaction. When all of this occurred I immediately called chime and they told me to open a case and dispute the transaction. I disputed the transaction and I just got an email today on XX/XX/year> stating that my dispute was denied and the case was closed. I changed the password to my email as well as the password to my card just in case they try to get into the card. I also changed the phone number on the account as well. All of these transactions will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
am filing a complaint because I was the victim of a Bank of America impersonation scam that used spoofed texts and calls, and the bank wrongly denied my fraud claim by labeling the transfer as authorized. 

I received a text message that looked identical to legitimate Bank of America fraud alerts. It asked if I authorized a charge of approximately {$1800.00}. Immediately after I replied, I received a phone call appearing to come from Bank of Americas official customer service number. The caller knew my account details and stated that my entire account had been compromised. They instructed me to transfer my balance to a safe account while a new card would be issued. This was a social-engineering attack using bank impersonation and real-time manipulation. I believed I was speaking to Bank of Americas fraud department. I ended up transferring {$1900.00}.

This was not a legitimate authorization. The transaction occurred only because the fraudster deceived me into believing I was communicating with my bank. Regulators have stated that transfers made under deceptive manipulation may be considered unauthorized under federal law.

Bank of America denied my claim by saying the transfer was customer-authorized, despite the fact that the authorization was obtained through deception, spoofing, and impersonation. The bank failed to detect unusual account behavior, failed to warn me of known impersonation scams, and closed the case without properly considering the nature of the fraud.

I am requesting the CFPBs assistance in having Bank of America reopen the claim, properly classify this as social-engineering fraud, and reimburse the stolen funds.

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 2025-11-27 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: PA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE.

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA.

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING.

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I never applied for cradit card and they send me card that you apply here is your fysical card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
On XXXX I tried to use my XXXX  XXXX XXXX  to pay a few bills. It declined despite plenty of funds being available. I then tried to do the transaction though PayPal using the XXXX XXXX XXXX  as the payment, declined. I tried transferring the funds to a debit card, XXXX would allow me to add a debit card to my account to do so, " system error ''. Tried to add a bank account per their recommendation, " form submission error ''. Did this again the following day, XXXX, with the same issues. Spoke with a supervisor on the phone, their statement was it could be weeks till I can access my money. They cant see what is going on other than security flag. They can clear the issue or resolve it. They recommended I send my money to a different XXXX  user to access it ( unacceptable ). Out side of that, I have no way to access my debit money in my account, they have no way of allowing me access. I am at the mercy of their " security system '' that they can not override or clear when the authorized user calls and is verifying it is authorized. At no point have I gotten an email or text on suspicious activity, it just says declined. I am performing the transactions from the same device, same IP address, to the same bills I have paid in the past. My PayPal account is the same email used for the XXXX  account, both owned by the same company. I have moved money between the two before. Still getting " security flagged ''. As of right now, I am told to wait and that it could be a few weeks till I can access MY debit accounts money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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:
I am disputing information on my credit report that I believe is inaccurate. Please investigate and correct the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX, Account # XXXX, Reported XX/XX/XXXX, Balance {$620.00} Inquiries : XXXX XXXX, XX/XX/XXXX I request verification of these entries with the original creditors. If verification can not be provided, I request that the items be removed from my credit report. 

Please provide written confirmation once the investigation is complete.

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 2025-11-27 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: FL

Complaint narrative:
I am writing to formally dispute the following accounts on my credit report. The details of these accounts are listed below, separated by bureau for clarity. I respectfully request that these disputes be thoroughly reviewed and corrected as per the Fair Credit Reporting Act ( FCRA ) guidelines. 

============================== CHARGED OFF EQ : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2300.00} ============================== LATE PAYMENT EQ : XXXX XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NV

Complaint narrative:
A collection account from XXXX XXXX XXXX has suddenly appeared and updated on my TransUnion credit report with contradictory, inaccurate, and unverified information. This account is reporting as open, collection, and past due, which is materially incorrect and violates FCRA 602 ( A ), 607 ( B ), and 611 because the data has not been verified or reported accurately. 

I have an active FTC Identity Theft Report confirming this account was not authorized. This account was not opened by me, was reported without proper verification, and is now causing immediate harm during my active mortgage refinance. 

I am requesting suppression or deletion of this account from TransUnion pending proper verification, as required under the FCRA for accounts associated with identity theft or unverifiable 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 2025-11-27 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: CO

Complaint narrative:
I am submitting this complaint regarding inaccuracies on my credit report. Below, I have outlined the disputed accounts that I believe to be reported incorrectly or inaccurately across the three major credit bureaus. I request that a thorough investigation be conducted, and I respectfully ask that the necessary corrections be made. 

CHARGED OFF ACCOUNTS XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} BANKCRUPTCY Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES XXXX XXXX XXXX Mortgage Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX 

Date : XX/XX/XXXXXXXX  LATE PAYMENT DEPTEDXXXX  Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
CREDENCE RESOURCE MANA is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDENCE RESOURCE MANA 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 2025-11-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland credit management XX/XX/year> amounts {$460.00}, {$880.00}, and {$790.00}

Company response to consumer: Closed with explanation