vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BCI FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
This complaint supplements CFPB complaint # XXXX, which is currently locked for document uploads. 
This submission supplements an existing CFPB complaint against City National Bank of Florida. 

At XXXX XXXX, my VIP / multi-factor authentication token was changed without my authorization, prior to speaking with the banks fraud department and before my identity was verified. 

This unauthorized token change enabled account takeover and wire fraud. 

Additionally, an unauthorized {$25000.00} wire was processed at XXXX XXXX, more than one hour after fraud was reported, my identity was verified, the account was restricted, and senior management was notified. 

I did not authorize any security changes or wire transfers. 

I am seeking full reimbursement of all unauthorized wires totaling {$200000.00} and regulatory review of the banks authentication controls and fraud response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-12-23 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: NV

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to XXXX U.S.C. XXXX1b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 
* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 
* * Under XXXX U.S.C. XXXX XXXX XXXX, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : XXXX. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
XXXX. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *. 
XXXX. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next XXXX business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
These accounts and inquiries are unauthorized, inaccurate, and do not belong to me. Their continued reporting on my credit file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as applicable federal and state consumer protection laws.

Pursuant to 15 U.S.C. 1681i, I formally dispute this information and request that you conduct a full and reasonable investigation into these matters. I further demand the prompt correction, blocking, and permanent removal of all unauthorized accounts, inquiries, transactions, and any other inaccurate or unverifiable information reported in my name.

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 2025-12-23 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: NY

Complaint narrative:
These accounts and inquiries are unauthorized, inaccurate, and do not belong to me. Their continued reporting on my credit file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as applicable federal and state consumer protection laws.

Pursuant to 15 U.S.C. 1681i, I formally dispute this information and request that you conduct a full and reasonable investigation into these matters. I further demand the prompt correction, blocking, and permanent removal of all unauthorized accounts, inquiries, transactions, and any other inaccurate or unverifiable information reported in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Payment made XX/XX/XXXX. 
XX/XX/XXXX, the day after my payments is due they repossessed my vehicle. 
XX/XX/XXXX I paid in full the amount disclosed to me required to reinstate my account ( almost {$1800.00}, including a repo fee of {$460.00} and a late fee of {$140.00} ). There are also property items missing from my car. 
XX/XX/XXXX I see they have added an additional {$75.00} Repo fee to the following months statement. I called to dispute this stating they are required to disclose the total amount to me at the time of reinstatement. They refused to provide a clause in my contract which would allow retroactive repo charges, and they refused to dismiss the fee after I disputed it. I had also called to request a payment deferment which they denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
i noticed XXXX unauthorized inquires on my credit report. these inquires are preventing me from being able to get a new vehicle to travel to and from work.

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 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I am disputing a past-due XXXX  account that is currently reporting on my credit. 

I contacted the collection agency listed on my credit report and was informed that the account has been returned to XXXX. When I attempted to resolve the matter directly with XXXX, I was placed on extended holds, disconnected, and ultimately unable to obtain a clear explanation of the charges or confirmation of how the account would be handled on my credit report. 

I believe the reported balance of {$410.00} is inaccurate and inflated, and I am requesting : XXXX a full written breakdown of the final bill, XXXX confirmation that once the correct balance is resolved, the collection will be recalled and removed from my credit report, and XXXX correction of any inaccurate credit reporting related to this account. 

I am willing to resolve the correct balance, but I can not do so without transparency or assurance that inaccurate credit reporting will be addressed.

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 2025-12-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: NC

Complaint narrative:
XXXX XX/XX/year>, I opened a Chime account to use for saving money. I had a little over {$1100.00} in the account from my earnings. 

On XX/XX/year>, a credit card was opened through Chime without my knowledge or authorization. 

On XX/XX/year>, I checked my credit report and discovered this credit card account. The same day ( XX/XX/year> ), I contacted Chime customer service to report the unauthorized credit card. The representative told me the situation would be looked into. 

On XX/XX/year>, I attempted to log into my Chime account and was unable to do so because the account had been closed. I contacted Chime multiple times that day and spoke with several different representatives. I received inconsistent information, including : One representative stated the funds would be sent by check, then disconnected the call. 

Another representative stated they could see the funds but that they could not be sent. 

No representative provided a clear explanation for why the account was closed or why I could not access my funds. I asked I repeatedly asked why this happened, where my funds are, and how I could receive the money I worked for. I also requested to speak with a supervisor, but I was not given the opportunity to do so. As of now, my funds remain inaccessible, and I have not been provided clear information or resolution. I want to emphasize that I did nothing wrong regarding Chimes guidelines. I initially reached out for help about an unauthorized credit card, and as a result, my account was closed and my funds became inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: PA

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I dispute this record in its entirety, including any accounts, tradelines, or public records reported as part of or associated with any bankruptcy. This information is inaccurate and is the result of identity theft and/or other fraudulent activity. After a careful review of my consumer report, I can state with certainty that I did not authorize, open, participate in, or benefit from the accounts, obligations, or transactions described, nor was I involved in any bankruptcy proceedings related to these accounts. The use of my personal identifying information in connection with these accounts and any associated bankruptcy reporting was unauthorized and appears to be fraudulent. As such, the reporting of these items is inaccurate, misleading, and 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mercedes Benz Financial Services
State: TX

Complaint narrative:
To CFPB, I am writing regarding a previously disputed account that TransUnion reported as verified. This letter constitutes a renewed and documented request for the method of verification pursuant to the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

I have made multiple prior requests for this information ; however, TransUnion has failed to provide the required explanation of how the investigation was conducted or what documentation was relied upon.

Accordingly, I again request : 1. A summary of how the investigation was conducted 2. Identification of what documentation or information the furnisher provided 3. The name, address, and contact information of the party relied upon 4. Copies of any records or materials reviewed in reaching the verification decision Please note that this information was previously requested and not supplied, constituting a failure to comply with the FCRAs disclosure requirements. Additionally, XXXX response to CFPB Complaint No. XXXX did not include the requested investigation procedures or verification documentation. 

I submitted medical documentation to TransUnion via certified mail in XX/XX/year>. If TransUnion is unable to provide the required information within the time permitted by law, the disputed information must be deleted from my credit file. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
These accounts and inquiries are unauthorized, inaccurate, and do not belong to me. Their presence on my credit report constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., as well as applicable state laws. I hereby request a full investigation and the prompt correction and removal of this erroneous information from my credit file.

Pursuant to my rights under the FCRA and applicable federal and state law, I formally demand the immediate blocking and permanent removal of all unauthorized accounts, inquiries, transactions, and any other inaccurate information reported in my name. Please proceed with the immediate removal of the following disputed items and update my credit report accordingly.

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 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: MO

Complaint narrative:
I had money in my account and then my check from my employer was deposited in my account. Chime had restricted it for XXXX days closed it out and told me I can not get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
I am formally disputing the debt referenced by your agency. I do not owe this debt, and your claim is inaccurate. 
Please provide written verification of the debt, including the name of the original creditor, the full account number, the amount owed, and documentation showing that I am legally responsible for this debt. 
Until proper verification is provided, I request that all collection activity cease, as required under the Fair Debt Collection Practices Act ( FDCPA ). 
Sincerely, [ Your Full Name ] XXXX XXXX [ Your Address ] [ Date ] XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Hunt & Henriques
State: CA

Complaint narrative:
I asked for debt validation via certified mail. The company only sent back was XXXX credit card statement. No other validation information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NV

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of late payment information being reported on the above-referenced credit card account pursuant to the Fair Credit Billing Act, 15 U.S.C. 1666 ( b ) and the Fair Credit Reporting Act, 15 U.S.C. 1681.

Under 15 U.S.C. 1666 ( b ), a billing error includes, but is not limited to : Payments not properly credited Statements reflecting an incorrect amount or due date Failure to deliver a billing statement to the consumers last known address Any accounting or posting error The late payment ( s ) reported on this account appear to fall under one or more of these billing-error categories. At this time, the information being reported is inaccurate and/or unverifiable.

Pursuant to 15 U.S.C. 1681 ( a ) ( 1 ) and 1681s-2 ( b ), you are required to : 1. Conduct a reasonable reinvestigation 2. Obtain full verification from the furnisher, including : Original billing statements Proof of statement delivery Payment posting records Verification of the due date and grace period 3. Delete any late payment entries that can not be fully verified If the furnisher is unable to demonstrate that no billing error occurred as defined by 15 U.S.C. 1666 ( b ), the late payment information must be removed from my credit report. 

Please provide written confirmation of the results of your reinvestigation. 

Sincerely, 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 2025-12-23 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: NV

Complaint narrative:
To Whom It May Concern, I am formally disputing the accuracy of late payment information being reported on the above-referenced credit card account pursuant to the Fair Credit Billing Act, 15 U.S.C. 1666 ( b ) and the Fair Credit Reporting Act, 15 U.S.C. 1681.

Under 15 U.S.C. 1666 ( b ), a billing error includes, but is not limited to : Payments not properly credited Statements reflecting an incorrect amount or due date Failure to deliver a billing statement to the consumers last known address Any accounting or posting error The late payment ( s ) reported on this account appear to fall under one or more of these billing-error categories. At this time, the information being reported is inaccurate and/or unverifiable.

Pursuant to 15 U.S.C. 1681 ( a ) ( 1 ) and 1681s-2 ( b ), you are required to : 1. Conduct a reasonable reinvestigation 2. Obtain full verification from the furnisher, including : Original billing statements Proof of statement delivery Payment posting records Verification of the due date and grace period 3. Delete any late payment entries that can not be fully verified If the furnisher is unable to demonstrate that no billing error occurred as defined by 15 U.S.C. 1666 ( b ), the late payment information must be removed from my credit report. 

Please provide written confirmation of the results of your reinvestigation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( XXXX ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: FORD MOTOR CREDIT CO.
State: FL

Complaint narrative:
FORD MOTOR CREDIT Auto Account Consumer : XXXX XXXX DOB : XX/XX/year> Complaint Summary I am submitting this complaint regarding Ford Motor Credit for reporting an unauthorized auto account that I do not owe. My personal identifying information was exposed in the XXXX  data breach, and this account is the direct result of identity theft. 

This is a serious violation of federal consumer protection law, not a minor reporting error. The continued reporting of an unauthorized auto account is damaging my credit profile, financial reputation, and ability to provide transportation for my family. 

Despite proper disputes, Ford Motor Credit has failed to provide a valid contract or proof of authorization and continues to report inaccurate information. 

Violations of Law 15 U.S.C. 1681e ( b ) ( FCRA ) Reporting information without maximum possible accuracy 15 U.S.C. 1681i ( FCRA 611 ) Failure to properly reinvestigate disputed information 15 U.S.C. 1681c-2 ( FCRA 605B ) Failure to block identity-theft information Account Details Creditor : Ford Motor Credit Amount : {$16000.00} Account # : XXXX Resolution Requested Immediate deletion from all credit bureaus Written confirmation of deletion Proof of original signed contract and full account documentation

Company response to consumer: Closed with explanation