vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: WA

Complaint narrative:
Timezone : XXXX On XX/XX/XXXX, I've initiated a transfer with Wise from XXXX ( XXXX ) to XXXX ( XXXX  ) in the amount of {$45000.00} USD. 

On XX/XX/XXXX, I was requested more information, with the deadline of XXXX working days. I've sent the requested information on XX/XX/XXXX ( a XXXX ). On XX/XX/XXXX, Wise canceled the transfer and requested information for refund. The information was provided on XX/XX/XXXX. 

Since then, I've been in countless calls with their customer service team, which has been greatly unhelpful on checking for issues, and rejecting valid bank statements for no reason. 

On XX/XX/XXXX, I've opened an official complaint with Wise, asking for a formal clarification and my refund. On XX/XX/XXXX I've received the format reply for the complaint, which states that they had issues with their partner bank and they re-issued the refund on XX/XX/XXXX, which should be in my account by XX/XX/XXXX. They also offered me a compensation of XXXX XXXX. 

The money was not in my account, so I reached my bank which, upon checking the XXXX, confirmed that the refund was returned to the sender on XX/XX/XXXX ( Wise ) due to invalid sender information. 

After another set of multiple calls, I've managed to reopen the case on XX/XX/XXXX, but I haven't got my money back yet and no updates from their team. I've never had such an unhelpful and not transparent experience with a bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
I am writing to formally request that you block specific information appearing on my Equifax and TransUnion credit report file that I believe is the result of identity theft or unauthorized activity, in accordance with my rights under Section 605B of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2. 
XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
Today I called the customer Service number I was told to call to raise the issue. I was informed that the department that rejected my claims do not allow calls to their department. I have video recordings of confirmation and video recordings of management stating that I can keep reciting my codes ( Ohio revised code ) but it doesnt change their determination and that Im not allowed to contact said department that makes the decision. Id be curious how many service members freedoms mortgage has been ignoring. I will not stay silent. I have recorded every interaction, message sent and message received by them. Do be advised. A manger ( I have the employee number ) stated my case has already been resolved and rejected, yet it still shows in progress on their app.

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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Home Depot / CBNA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Cease and Desist & Debt Validation Request Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) To Whom It May Concern, I am disputing the validity of the above-referenced account. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), I demand : 1. Debt Validation Provide documentation proving your legal right to collect, including original signed agreements and full account history. 
2. Cease & Desist Cease all communications with me regarding this account under 15 U.S.C. 1692c ( c ). 
3. Credit Reporting Compliance Until validation is provided, you must not report or furnish this account to any consumer reporting agency.

Failure to comply will result in formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office. 

Please respond within 30 days as required by law. 

Sincerely, 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 2025-10-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
I used Cash App to purchase clothing from an online merchant on XX/XX/year>. 
The merchant shipped the package to the wrong address and refused to reroute or refund me. 
I contacted the merchant multiple times with no response, so I filed a dispute with Cash App on XX/XX/year>. 
The app stated disputes take about 10 days, but a Cash App representative told me it can take 45 days, which is misleading. 
I submitted all proof including screenshots, messages, and tracking information showing it was delivered to the wrong address. 
Despite this, I have not received my refund or resolution. 
I am requesting that Cash App refund the {$180.00} and update their dispute information to accurately reflect processing timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: AL

Complaint narrative:
I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, TransUnions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 
5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation.

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 2025-10-14 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: NC

Complaint narrative:
I have no affiliation with this account ; it has been reported incorrectly.

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 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: FL

Complaint narrative:
After reviewing my credit report, I found that this account contains incomplete and unverifiable data. The furnisher, Credit Acceptance Corporation, has failed to provide proper documentation establishing the validity and accuracy of this tradeline. Under FCRA 611 ( a ) I have the right to dispute any information that can not be verified, and under FCRA 623 ( a ) the furnisher is legally obligated to ensure the information reported is complete and accurate.

Additionally, FCRA 607 ( b ) requires credit reporting agencies to maintain maximum possible accuracy in the information they report. Since the reported data is unverifiable and incomplete, it must be permanently removed or corrected 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 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TrueAccord Corp.
State: IL

Complaint narrative:
I got a letter from this collection agency trying to collect a debt that I do not owe I have never done dealing with this company I have never singed anything wich makes this illegal under the fair credit act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I sent a second XXXX  to PHH Mortgage Services today. I attached it to the email I sent PHH Mortgage Services regarding my loan and by certified mail. I want to send the funds needed for reinstatement of my loan. I need the reinstatement amount amount and the due date they need it by. PHH Mortgage Services did not respond to my first Qualified Written Request ( XXXX  ) I sent to them back in XXXXXXXX XXXX  They are in violation of Federal law under 12 U.S.C. 2605 ( e ) for not providing the requested information. There is a court hearing on XX/XX/year> regarding foreclosure on my home. I will be providing this information to the judge and the lawyers for PHH Mortgage Services. Hopefully the judge will not sign the order and demand PHH Mortgage Services to provide the requested information so I can reinstate the loan. Thank 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 explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I discovered that XXXX  XXXX XXXX had unilaterally and without warning reduced my credit line from {$14000.00} to {$7900.00}. XXXX  XXXX XXXX had promised that I would receive a written notice within 15 days, yet no such notice has ever been delivered. Instead, the bank acted secretly and arbitrarily, eliminating over {$6000.00} of available credit that I depended upon for survival. 

This was not a routine banking decision. It was a deliberate and targeted act intended to cripple me financially and personally. XXXX  XXXX XXXX knowingly carried out this action with full awareness that I am already in crisiswithout stable housing, without health insurance, without life insurance, and struggling with urgent medical needs that require immediate treatment and access to medicine. By cutting off this essential credit, XXXX  XXXX XXXX has knowingly and intentionally placed my life in jeopardy. 

The impact of this decision is catastrophic : I can not purchase the medicine required to survive. 

I can not secure or restore health insurance or life insurance coverage. 

I can not maintain the minimal financial stability necessary for safe housing or travel. 

My business, creditworthiness, and financial standing have been deliberately destroyed. 

I am unable to retain legal counsel or even pursue basic protections through the courts, because XXXX  XXXX XXXX has stripped me of all means to defend myself. 

My fundamental civil and human rightsincluding the right to property, due process, equal protection, and the right to survivehave been annihilated. 

XXXX  XXXX XXXX conduct is not only unfair and unlawful, but rises to the level of inhuman treatment. It is effectively the removal of my right to exist. This action must be understood in the context of my ongoing federal case, XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX ( XXXX ), in which multiple financial institutions, including XXXX  XXXX XXXX, are named for participating in a coordinated campaign of obstruction and destruction.

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 2025-10-14 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: FL

Complaint narrative:
This complaint serves as my fifth formal demand for the permanent removal of an inaccurate and misleading account that remains on my credit report, despite multiple prior disputes and requests for verification. This ongoing inaccuracy continues to harm my credit standing and constitutes a violation of several provisions under the Fair Credit Reporting Act ( FCRA ). 
The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), the bureau is required to conduct a reasonable reinvestigation of any disputed item. However, this account has continued to appear after prior disputes without verifiable evidence or supporting documentation. 
Additionally, FCRA 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) prohibits the reporting or furnishing of information known to be inaccurate. By continuing to report this account as Late Closed despite an unresolved dispute and a lack of verification, the reporting party and the bureau are in violation of this section.

Under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy in consumer reports. Maintaining this inaccurate entry demonstrates a failure to uphold that obligation.

Furthermore, under FCRA 605B / 15 U.S.C. 1681c-2, I am exercising my right to request the permanent deletion of any account that can not be verified or substantiated with complete and accurate documentation. Since this account continues to appear without lawful verification after several rounds of disputes, it must now be permanently removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: GA

Complaint narrative:
I am writing to formally file a complaint and request a thorough investigation into several negative accounts that are currently being reported on my credit file. These accounts contain inaccurate, incomplete, and/or unverifiable information that is negatively impacting my credit profile. 
Despite several dispute attempts with the credit bureaus and the reporting creditors, these negative items continue to appear without proper validation or correction. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate and verifiable reporting. Any account that can not be verified or substantiated by complete records must be removed from my file 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 2025-10-14 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-14 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: OK

Complaint narrative:
I noticed some inaccuracies on my credit reports that seem to be affecting my ability to get credit, as I've recently been denied by a few creditors. I'd really appreciate it if you could take a closer look at the accounts and inquiries in question. As you know, it's important that the information reported is accurate, so I kindly ask that you investigate and update the records as needed. I'm hoping we can get this sorted out smoothly and avoid any further issues down the line.

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 2025-10-14 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: TX

Complaint narrative:
This is now the 7th documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 
There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( CFPA ) for unfair, deceptive, and abusive acts or practices ( UDAAP ).

The Metro 2 format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

Company response to consumer: Closed with non-monetary relief