vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to XXXX U.S.C. XXXX. Therefore, I respectfully request that this information be blocked or deleted immediately. 

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to XXXX XXXX. XXXX, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within XXXX ( XXXX ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Additionally, XXXX XXXX. XXXX, which states that a credit reporting agency XXXX not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements. 

In accordance with XXXX XXXX. XXXX and XXXX, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than XXXX  days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I am writing to file a complaint against Bank of America regarding the unexpected closure of my credit card account ending in XXXX. The account was closed without my consent or prior notification. 

At the time of closure, I had accumulated {$320.00} in rewards on the account. After reaching out to Bank of America, I was informed that I would not be able to recover these rewards, but they did not provide a reasonable explanation or offer any resolution. 

I believe this action is unfair and am requesting assistance in recovering the earned rewards. I did not receive any advance notice of account closure and had no opportunity to redeem the rewards before they were taken away. 

Please let me know if you need additional information. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-07-29 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: TX

Complaint narrative:
Hi hello my name is XXXX XXXX blocked my account because it was not use correctly. Thats what they told me but I just use this account to pay my vehicle and to pay my bills so I dont know what do I have to do to bring it back cause XXXX having a lot of trouble like sending money to my daughter XXXX in XXXX and this is the easiest way I can transfer money thank you very much!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: Ava Finance, Inc
State: GA

Complaint narrative:
Subject : Complaint Regarding Consumer Rights Violations by XXXX, Including Identity Theft and XXXX  XXXX  Data Breach Impact Description of the Issue : I am filing this formal complaint to report serious violations of my consumer rights by XXXX, as well as ongoing consequences stemming from the XXXX  XXXX  data breach, which exposed my sensitive personal information to XXXX XXXX XXXX 



XXXX. XXXX  Violation : XXXX  has reported inaccurate, outdated, and possibly fraudulent information in my credit report, and has failed to fulfill its responsibilities to : Adequately investigate my disputes and correct or remove the information as required under the FCRA. 


Properly respond to my identity theft report, including accounts or inquiries I did not authorize. 


Provide detailed documentation or a valid source of verification for the disputed entries. 


Provide necessary fraud protection or security freezes after being informed of identity theft concerns. 


XXXXXXXX XXXX  continued reporting of inaccurate and harmful dataespecially in light of my identity theft claimsdemonstrates potential willful noncompliance with federal consumer protection laws. 

XXXX. Impact of the XXXX  Equifax Data Breach : My personal information, including my Social Security number, was exposed during the massive XXXX  data breach in XXXX. This breach placed me at ongoing risk of identity theft and directly contributed to the fraudulent activity appearing on my XXXX  reports. 
Despite being aware of the breach and its risks, neither XXXX  nor XXXX  took appropriate steps to ensure the integrity of my data or to protect me from identity theft-related reporting errors. 

XXXX and XXXX XXXX : These violations have caused : Denial of financial services, such as opening bank accounts or securing credit. 


Emotional distress due to the handling of sensitive and fraudulent data. 


Ongoing consequences related to identity theft and breach-related data misuse. 


I am requesting : XXXX reinvestigation and removal of all inaccurate, unverifiable, and fraudulent items from my XXXX  reports. 


Full documentation of any information used to verify disputed entries. 


Stronger identity theft protections, such as security freezes or fraud alerts applied across bureaus. 


Written confirmation of all actions taken to correct my consumer file. 


Consideration of restitution for the harm done due to mishandling of my personal data and failure to follow FCRA obligations. 


Please consider this a formal dispute and notice of consumer harm. I request this matter be resolved promptly and in compliance with applicable federal and state laws. I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and legal counsel if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-29 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-07-29 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: NJ

Complaint narrative:
I am submitting this complaint regarding these XXXX XXXX accounts that are currently being reported on my credit file : XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I did not apply for or authorize these accounts, nor did I consent to any agreement, extension of credit, or permissible purpose to report these tradelines. 

These companies are not original creditors and have failed to provide a signed contract or chain of assignment proving ownership or authorization to report on my consumer report. This violates the Fair Credit Reporting Act ( FCRA ) XXXX, which restricts access and furnishing of credit information without a legally permissible purpose. 

Additionally, per FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers of information must not report inaccurate or unverifiable data. Since no contract, billing history, or debt validation has been produced, this information is considered inaccurate and must be removed. 

I have attached a signed FTC Identity Theft Report affirming these accounts were opened and reported without my consent. I am requesting the immediate deletion of these unauthorized accounts from all credit bureaus. 

Failure to address and resolve this matter XXXX result in further escalation to the FTC and state regulatoryauthorities.

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 2025-07-29 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: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly. 


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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 2025-07-29 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: CA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly. 


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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 2025-07-29 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXXXXXX Wells Fargo Claims and Recovery and Credit Card Services Re : Dispute of Unauthorized Transactions on Account # XXXXXXXX WFBNA CARD - WELLS FARGO CARD Dear Wells Fargo Credit Card Services, I am writing to formally dispute all the transactions on this Wells Fargo credit card account # XXXX. After a thorough review of the account activity, I have identified that none of these transactions were authorized by me. I believe this account has been subject to fraudulent activity. 
In accordance with the Fair Credit Billing Act ( 15 U.S.C. 1666 ), I am exercising my right to dispute these unauthorized charges and request that you open an investigation into this matter immediately. Additionally, under the Fair Credit Reporting Act ( 15 U.S.C. 16811 ), I request that all information related to these fraudulent transactions be removed from my credit report as they are inaccurate and do not reflect my credit history. 

Please : XXXX. Investigate all disputed transactions on account # XXXX. 
XXXX. Remove all fraudulent transactions and related negative information from my credit report. 
XXXX. Close or freeze this credit card account to prevent further unauthorized use. 
XXXX. Provide written confirmation of your receipt of this dispute and the actions taken. 
I request that you acknowledge this dispute in writing within 30 days, as required by federal law. 
Please communicate with me at the above address. 
Thank you for your prompt attention to this urgent matter. 

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 non-monetary relief
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: NV

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Westlake Financial Services for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) in relation to a debt that has not been properly validated and is being unlawfully reported on my credit report. 

I discovered that Westlake Financial is reporting an account on my credit file that I do not recognize and have never received any communication about. I have not received a legally required validation notice, as outlined under 15 U.S. Code 1692g ( a ) of the FDCPA. Despite disputing the account and requesting proof of the alleged debt, Westlake Financial has failed to provide : The name of the original creditor An itemized statement of charges and payments Any contractual agreement showing that I owe this debt Additionally, continuing to report this unverifiable account to the credit bureaus without a full investigation or validation violates 15 U.S. Code 1681s-2 ( b ) of the FCRA. This provision mandates that any company reporting information to a credit bureau must ensure its accuracy and must properly investigate consumer disputes.

This account is damaging my creditworthiness and financial stability and represents an unfair and deceptive practice under federal law.

Proposed Resolution : Cease Collection Activity Immediately : Westlake Financial must halt all collection attempts, including phone calls, letters, and reporting, until proper debt validation is provided, in accordance with 15 U.S.C. 1692g ( b ).

Full and Complete Debt Validation : Westlake Financial must provide full documentation validating the alleged debt, including : The original creditor 's information A complete payment history and itemization of the debt A signed agreement or legal obligation linking me to this account Permanent Deletion from Credit Reports : If the debt can not be validated, I request that Westlake Financial permanently delete the account from all major credit bureaus pursuant to FCRA 1681s-2 ( b ).

Written Confirmation of Deletion : I request a formal written statement confirming that the account has been closed, is no longer being collected, and has been deleted from my credit reports.

No Transfer or Re-reporting of the Debt : If the account is found invalid, Westlake must not sell, assign, or transfer the debt to another collector, and it must not be re-reported in the future under any other name. 

Thank you for your attention and for protecting consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/XXXX I had contacted the Bank of America to inform them of my Mom 's passing. I have been doing her banking with Bank of America on line with them since XXXX  when she moved in with me in the state of XXXX. She had made me the beneficiary and POD on both checking and savings accounts. The next day the account was frozen. I had sent all the requested documents and did what they requested of me. Also created a 3rd party account after spending over an hour on the phone with them. Even though I sent all the documents, death certificate, letter of intent ( that took almost XXXX weeks to come in mail ). I still have not received anything. Or any email confirmation of any of the documents I had scanned and sent on line like I was requested. It is XXXX  months to the day. This is terrible! I have called many times and talking to them on the phone has been not pleasant! They keep sending me to different departments and have been hung up on waiting multiple times. I just want to end this with them.

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