vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
CBNA is Citi Bank, ( Best Buy ) they are the originators of my account. They sold my account to XXXX. I agreed to pay {$2700.00}, and have made my first payment of {$300.00} due at the end of every month until balance is satisfied.

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 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
I need for this account to be deleted off my account because they did not verify the amount of the validation letter that I need

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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. This fraudulent, inaccurate, and false information consists of a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a credit card account at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) and a collection account opened at XXXX XXXXXXXX XXXX XXXX XXXX a on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX rent on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXXN on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number ( XXXX ), a utility account opened at XXXX XXXX XXXX on XXXX XXXX under the account number ( XXXX ) and an credit account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX  on XX/XX/XXXX under the account number ( XXXX ), a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number ( XXXX ) and an collection account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
i lost my credit card, when i turn on my phone i saw someone else use my lost credit card to make two fraudulent charge the first one is XXXX amount {$12000.00} and second is XXXX {$420.00} in XXXX XXXX NV states.the point is i live at new york state.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Westlake Services, LLC
State: SC

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau : I am filing a formal complaint against Byte and Westlake Portfolio Management regarding a disputed debt and an unresolved service issue. 

In 2020, I entered into a contract with Byte to receive clear dental aligners as part of an orthodontic treatment plan. I paid in good faith and was expecting a full set of aligners as promised. However, I never received the complete treatment, saw no results from the aligners I did receive, and repeatedly contacted Byte requesting assistance and ultimately a refund. My early communications with Byte were acknowledged, but over time, they stopped responding to my emails entirely. 

Rather than addressing the issue or refunding the payment for an incomplete and ineffective product, Byte transferred the account to Westlake Portfolio Management, who began attempting to collect on the remaining balance. This collection account was subsequently reported to the credit bureaus and is now negatively impacting my credit report, even though Byte failed to fulfill their contractual obligations. 

I provided documentation, including emails clearly showing that Byte ignored multiple refund and service requests. Despite submitting this proof to the credit bureaus, Westlake Portfolio continues to report this as a valid debt. 

Furthermore, Byte is currently the subject of a class action lawsuit that involves similar allegations including incomplete treatment plans, deceptive marketing practices, and unresponsive customer service. My experience reflects those same issues and demonstrates a clear pattern of misconduct. 

I am requesting that the Consumer Financial Protection Bureau investigate Byte and Westlake Portfolio for these unfair and deceptive practices. Additionally, I am asking for assistance in having this invalid debt permanently removed from my credit reports and for Byte to be held accountable for their failure to deliver on their contractual obligations. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX  on XX/XX/XXXX under the account number XXXX a personal credit card account opened at XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as I attempted to recieve a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items, but you are also illegally witholding my information from me. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-08 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:
I am a victim of identity Theft I have opened investigations with the police department on XXXX cities. I have contacted the creditors and the credit bureaus. The credit bureaus have sent me correspondence stating I need to attach updated verification documents. I have provided all documents required by law for these fraudulent items to be removed

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 2025-06-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I made a {$64.00} purchase at XXXX using my Cash App card. On XX/XX/year>, I made a {$35.00} purchase at XXXX. I only authorized one transaction at each merchant and received one order from each. However, I was charged twice for both. One charge completed and one remains pending, totaling {$99.00} being held for transactions I did not authorize. I contacted Cash App Friday XX/XX/year> and again on multiple occasions, but they refused to release the funds or issue a provisional credit. They told me to wait up to 14 days and to contact the merchants directly, even though I did not authorize duplicate transactions or receive any goods or services for the extra charges. This is unacceptable and I am requesting assistance to have the unauthorized funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: UT

Complaint narrative:
Please see the attached letter for instructions and the screenshot for the proof required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: PA

Complaint narrative:
Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX And : Consumer Financial Protection Bureau ( CFPB ) P.O. XXXX XXXX Washington XXXX DC XXXX Subject : Dispute of Inaccurate Account Reporting XXXXXXXX XXXXXXXX Account XXXX XXXXXXXX To Whom It May Concern, I am writing to formally dispute the continued reporting of an inaccurate account by Experian on my credit file. The account in question is listed as : Creditor : XXXX XXXX XXXX XXXX Account Number ( partial ) : XXXX Reported Balance : {$20000.00} This account is not mine, and I have never had any financial relationship with XXXX XXXX XXXX XXXX involving this debt. After disputing this account with XXXX XXXX XXXX, both agencies have already removed it from my credit reports. 

In accordance with my rights under the Fair Credit Reporting Act ( FCRA ), I am demanding immediate removal of this inaccurate account from my Experian credit file. 

I have also filed a report with the Federal Trade Commission ( FTC ) regarding this matter, reference number : [ Insert FTC Report Number if available ]. 

Supporting Documentation Enclosed : Copy of my FTC Identity Theft Report Copy of my ID and utility bill to verify identity Given that this account has been verified as inaccurate by other major credit bureaus, there is no valid reason for Experian to continue reporting it. This false information is causing me serious harm, including potential credit denials and emotional distress.

Demand for Action : I demand that Experian immediately : 1. Delete the XXXX XXXX account XXXX XXXXXXXX from my credit report ; 2. Provide written confirmation of the removal within 30 days ; 3. Refrain from re-reporting this account unless complete documentation is provided and verified.

If this issue is not resolved promptly, I will be prepared to pursue all legal remedies available under the FCRA and FDCPA, including filing formal complaints with the CFPB, state attorney general, and seeking damages in civil court if necessary.

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 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
The company that was doing big lots credit cards have been calling for months repeatedly. They do emails multiple times out of the week and leave voice messages when I dont answer. They call multiple times a day that I had to silence my phone due to them starting there calls at XXXX and using different phone numbers til XXXX and they do this 7 days a week. It has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm trying to purchase a house but lenders can not get access to my credit report. I've called Equifax and told them to unblock my credit report. I previously sent them my Driver 's license and Social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I, XXXX XXXX, state the following under penalty of perjury : On or around XXXX XXXX, I provided my credit card information to an individual named XXXX XXXX, who represented that he needed to borrow {$500.00} for purposes related to his trucking business. This was provided on the understanding that the amount would be limited to {$500.00}. 

Subsequently, on XX/XX/XXXX, [ year ], my credit card was charged in the amounts of {$450.00} and {$4500.00}. An additional charge of {$1300.00} was posted on XX/XX/year>. These charges were unauthorized and exceed the amount I conditionally permitted. 

Upon investigation, I obtained a copy of a consent form that was submitted to XXXX [ XXXX or other entity, if known ], allegedly authorizing the above charges. The signature on said form is not mine. The form was completed and submitted via email by XXXX XXXX without my knowledge or consent. At no time did I communicate with XXXX, fill out any form for XXXX, or authorize any transactions or charges with them directly or indirectly. 

I have no business affiliation or financial relationship with XXXX XXXX XXXX XXXX. My credit card was not to be used beyond the initially discussed and limited amount of {$500.00}. Any charges incurred beyond that amount, particularly those submitted using falsified documents or misrepresentation, were made without my express permission and are unauthorized. 

I have formally disputed these charges with Fifth Third Bank. However, I was informed that, due to my initial disclosure of card information to XXXX XXXX, the transactions are being considered authorized. I maintain that this is a mischaracterization, as XXXX XXXX exceeded the scope of any limited permission and submitted fraudulent documentation bearing a forged signature. 

I respectfully request a thorough investigation and reversal of the unauthorized charges. Furthermore, I reserve the right to pursue legal remedies against all parties involved in the fraudulent use of my financial information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. This CFPB complaint has been filed to request under FCRA 605B, 15 U.S.C. 1681C-2 that you, the TransUnion, Experian, Equifax reporting agencies, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX XXXX, and XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer 's FICO credit report, maintained by you, which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 
The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result identity theft and fraud.

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 2025-06-08 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:
I have had my Paypal account since XXXX with no security issues ever. Since XX/XX/XXXX, I have repeatedly contacted PayPal regarding my inability to access or withdraw my remaining balance of {$40.00}. Despite multiple attempts and continuous follow-ups on XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX, XXXX, XXXX, the problem remains unresolved. 

On XX/XX/XXXX, PayPal made unauthorized changes to my account by removing my linked bank account and debit card without my consent. Additionally, my email address was reverted to an old email I had removed in XXXX, and my updated phone number was deleted. These changes have locked me out of my account and prevented me from withdrawing my funds. 

On XX/XX/XXXX, after noticing these changes, I contacted PayPal and they said they would never make changes on someones account. I immediately called and demanded to speak to a manager. I wasn't able to speak to a manager, but she verified they did make those changes on my account. I successfully verified my identity through detailed security questions, yet the block on my account was not lifted. Although my current email and phone number were restored, I was explicitly told the block remains in place with no timeline for resolution. 

When I attempted to log back in, I was unable to re-add my bank account or debit card, effectively denying me any way to regain access or withdraw my money. This ongoing obstruction is unacceptable. I demand PayPal to lift the block on my account without delay and allow me to withdraw my remaining balance of {$40.00} immediately so that I can close the account completely. 
This is no longer a simple account issue it is a systemic obstruction involving : Unauthorized data modification Failure to secure customer information Cyclical denial of financial access despite confirmed identity Misleading customer support and refusal to escalate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>. This CFPB complaint has been filed to request under FCRA 605B, 15 U.S.C. 1681C-2 that you, the TransUnion, Experian, Equifax reporting agencies, 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX, XXXX XXXX, and XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I have attached a list of hard inquiries in question as well as a copy of the consumer 's FICO credit report, maintained by you, which shows the aforementioned fraudulent items I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. 
The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result identity theft and fraud.

Company response to consumer: Closed with explanation