vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.
State: LA

Complaint narrative:
Complaint against Relay Financial Background : I opened a business checking account with Relay Financial ( XXXX, account # XXXX ) in XXXX. I transferred {$2000.00} into the new account. Shortly afterward, XXXX sent an email from its compliance department dated XXXX stating that my account was closed and that the remaining funds would be returned via check after their investigation. The letter promised that once the check was issued it would arrive in XXXX days and acknowledged that investigations can take up to XXXX. Despite those assurances, more than XXXX have passed and I still have not received the check or any substantive explanation. 
Attempts to resolve : I have repeatedly contacted Relay via email and its support portal. In a message on XXXX, I explained that I had deposited {$2000.00}, received a notice that the account was not approved, and that I could not transfer my {$2000.00} balance out. I stressed that the account had no other transactions, yet Relays compliance team provided no reason for the closure. Relays support representative XXXX responded on XXXX confirming that my account was recently closed by [ the ] Compliance team and that there is no option at this time to initiate a transfer until the review is complete. My subsequent requests for a timeline went unanswered, and on XXXX I again noted that they were holding my funds XXXX ( essentially theft ). 
Issue : Relay continues to hold my {$2000.00} deposit with no explanation and has failed to provide the promised refund check. The account had no activity other than the initial deposit ; I never used the debit card or made any outgoing transfers. The banks refusal to release my funds constitutes an unauthorized withholding and is causing financial hardship. 
Desired resolution : ( 1 ) Immediate release or refund of the full {$2000.00} via ACH or cashiers check ; ( 2 ) A written explanation of the specific reasons for the account closure and details of the compliance review ; and ( 3 ) Compensation for my time and any damages arising from this unresolved issue. I am submitting this complaint because multiple attempts to work directly with Relay Financial have failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Block, Inc.
State: SC

Complaint narrative:
I hope this message finds you well. I am writing to follow up regarding my case, number XXXX, which I discussed with someone on XX/XX/year>. The required information is provided at the bottom of this message. As mentioned, the funds were transferred to a fraudulent account and were not sent to XXXX or me. I have formally requested that the funds be sent to me via check or bank-to-bank transfer. Additionally, I would like to confirm that all necessary documentation, including bank statements and email correspondence, was sent to Cash App on XX/XX/year>. Please let me know if you require any further information or documentation to expedite the resolution of this matter. These are the following questions that I have answer and nothing has been done to fix this. 


XXXX ) XXXX XXXX XXXX ) XXXX XXXX ) XXXX noticed it I was in XXXX XXXX XXXX ) $ XXXX, $ XXXX, $ XXXX, user name was created with my SSN and Name but was not me. 
XXXX ) {$500.00}, {$120.00}, {$120.00} {$480.00}, {$460.00}, {$2600.00}, {$360.00}, {$470.00}, {$480.00}, {$170.00}, {$1200.00}, {$430.00}, {$770.00}, {$480.00}, {$480.00}, {$480.00}, {$480.00}, {$330.00} XXXX ) I do not nor ever had a cash app XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-15 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the XXXX XXXX XXXX XXXX ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-10-15 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

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 2025-10-15 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Charged fees or interest you didn't expect — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I applied for a title loan about 2 years ago. Went in and was told that title loan could be given for XXXX and that I was also eligible for a flex line of credit for XXXX I ive been paying over XXXX per month for 2 years and still not lowered the balance. I called XXXX XXXX and they said I was paying 154 % interest and that was low. I was also told that my loan was only entered as a line of credit not a title loan and flex loan. So ive not been paying the extra 5 % towards the title loan after XXXX renewal like the lady told me when I applied. 

Very deceptive and not what I understood was happening. They tricked me and I dont know what to do. Ill never be able to pay this off like this. I just had a XXXX on XX/XX/XXXX and cant work now. This payment will bankrupt my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Ive sent several letters to Equifax, XXXX XXXX XXXX  about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-10-15 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: AR

Complaint narrative:
Ive sent several letters to Equifax, XXXX XXXX XXXX  about mistakes on my credit report, but they still havent been fixed. Ive attached the letters I sent to each bureau, along with a table showing the errors on all three reports. Id appreciate your help in getting this taken care of.

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 2025-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Consumer Complaint Title : Portfolio Recovery Associates Continued Reporting and Collection of Unverified Debt Despite Cease Communication and Repeated Disputes What Happened : I am disputing a collection account being reported by Portfolio Recovery Associates ( PRA ) for an alleged Capital One account ( Account ending in XXXX / XXXX XXXX. XXXX ). 

I have repeatedly disputed this debt directly with XXXX and through Experian. XXXX has failed to provide proper validation under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). The only documentation they ever sent were billing statements no signed agreement, no chain of assignment, and no proof of ownership or right to collect. 

PRAs own responses to the CFPB confirm the following : They claimed to cease all communications but continued to report the account and did not send me any written validation. 
A XXXX representative later admitted by phone that I might not have received any validation because of how Experian processed the dispute, yet they still verified the account as accurate. 
The account continues to report as opened on XX/XX/XXXX, which is the date XXXX purchased the debt not the true date of first delinquency from XXXX XXXX. This is re-aging, a violation of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 5 ) ).

PRA communicated with me by phone about payment while the debt was under dispute, violating the FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ).

Violations Include : 1. FDCPA 809 ( b ) : Continued collection activity and communication while the debt was under dispute and without providing proper validation. 
2. FCRA 611 & 623 ( a ) ( 5 ) : Failing to conduct a reasonable investigation and re-aging the debt by using the purchase date as the open date.

3. FCRA 623 ( a ) ( 1 ) : Furnishing inaccurate and unverifiable information to Experian and other credit bureaus.

Resolution Requested : I am requesting that the CFPB require Portfolio Recovery Associates to : Permanently delete this account from all consumer credit reporting agencies ; Provide written confirmation that no further collection or furnishing will occur ; and Confirm that the account is no longer being reported, sold, or transferred. 

I am attaching all prior dispute letters and PRAs responses showing clear non-compliance and misreporting. 

Account Information : Portfolio Recovery Associates , LLC Original Creditor : XXXX XXXXXXXX XXXX 
Account ending : XXXX / XXXX XXXX : XXXX Reported Balance : {$530.00} Date Opened ( Reported ) : XX/XX/XXXX Desired Outcome : Deletion of this unverifiable, inaccurately reported account from my credit report and cessation of all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Im contacting you to formally dispute an item currently listed on my credit report that is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ). Specifically, the information in question does not meet the standard of maximum possible accuracy, as required under FCRA Section 607 ( b ). 

I take my credit and financial record very seriously, and I expect that anything being reported under my name is fully accurate and properly verified. In this case, that standard is not being met. Whether due to outdated, incorrect, or incomplete reporting, the presence of this item is misrepresenting my credit history and unfairly affecting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
The below purchases were made with my debit card information through a digital wallet tapped in those separate XXXX store locations. XXXX of these locations were separate XXXX Stores in the states XXXX, and XXXX. One store was a XXXX in XXXX. 

A few weeks prior to this I had reported my card stolen and locked my account. The week of these unusual charges, I was alerted by Wells Fargo that unusual activity was happening on my account and my account was locked. I then canceled the card again, and reported the charges as Fraudulent, but Wells Fargo claims after their research, they are not. I have proof I was in the state of XXXX  during these charges through my work clock in system and the XXXX XXXX. 

Total Fraudulent Charges = {$600.00} XX/XX/XXXX Purchase authorized on XX/XX/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  Purchase authorized on XX/XX/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  Purchase authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Purchase authorized on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Purchase authorized on XX/XX/XXXX CXXXX 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 monetary relief
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My credit report contains incorrect and misleading items.

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 2025-10-15 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: NC

Complaint narrative:
Dear Experian 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 INQUIRIES : XXXX - XX/XX/year>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 2025-10-15 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: FL

Complaint narrative:
Ive happed to check my credit report last Year and noticed my score went down for some reason And upon checking I noticed an account in the name of ally financial which was an auto loan reporting in my name, The account was not authorized or opened by me at all so I proceeded to dispute it from my report, That same account Ive disputed over 5 times but ally financial refuses to remove it and keeps saying its verified so I ask for proof that I opened this account which they never have provided to me I explained that Ive never opened this but they wont listen to me and insist that it should stay on my report which is ridiculous

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 2025-10-15 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: FL

Complaint narrative:
Ive happed to check my credit report last Year and noticed my score went down for some reason And upon checking I noticed an account in the name of ally financial which was an auto loan reporting in my name, The account was not authorized or opened by me at all so I proceeded to dispute it from my report, That same account Ive disputed over 5 times but ally financial refuses to remove it and keeps saying its verified so I ask for proof that I opened this account which they never have provided to me I explained that Ive never opened this but they wont listen to me and insist that it should stay on my report which is ridiculous

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 2025-10-15 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: FL

Complaint narrative:
Ive happed to check my credit report last Year and noticed my score went down for some reason And upon checking I noticed an account in the name of ally financial which was an auto loan reporting in my name, The account was not authorized or opened by me at all so I proceeded to dispute it from my report, That same account Ive disputed over 5 times but ally financial refuses to remove it and keeps saying its verified so I ask for proof that I opened this account which they never have provided to me I explained that Ive never opened this but they wont listen to me and insist that it should stay on my report which is ridiculous

Company response to consumer: Closed with explanation