vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CLGF Holdco 1, LLC
State: TN

Complaint narrative:
Someone added me as an authorized user on their credit cards, as well as open accounts in my name and some are in collection. I did not authorize those credit cards.

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: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: MN

Complaint narrative:
I can't access my account because I have a new phone number so I'm unable to do the 2 factor authorization to log in. For the last 2 weeks I've been trying to go through support to update my number. They keep directing me to use some verification service to provide pics of my driver 's license and a selfie. I've done exactly as they instructed, dozens of times, and each time they will tell me that the pics were rejected and that i will have to do it over. I've spent hours and hours every day trying to talk to support but they just keep going in circles and saying the same things over and over again. They won't tell me what the issue is with the pictures but I know for a fact that the photos have good lighting and they are totally clear. I've offered to do any alternative verification but they only repeat themselves that I need to submit new pics. This has been going on long enough and I really need to access my funds but they won't help me.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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: FL

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding inaccuracies found on my credit reports across the three major credit bureaus Equifax ( EQ ), Below is the detailed information of the accounts in question : Charged-Off Accounts XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Please examine the attached content ; the questions arrived without prior notification and may be unauthorized.

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: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: IL

Complaint narrative:
IN XXXX OF XXXX I BOUGHT A CAR FROM XXXX XXXX  XXXX THE CONTRACT I SIGNED TURNED OUT TO BE BLANK I WAS NOT AWARE AT THE TIME BECAUSE THE TRANSACTION WAS DONE ON A TABLET 2 WEEKS LATER WESTLAKE FINANCIAL SENT ME A LETTER SAYING THEY BOUGHT THE DEBT THE BILLING STATEMENTS THAT I RECIEVE VIA PAPERLESS BILLING WERE ALSO BLANK IN XXXX OF XXXX I REACHED OUT TO WESTLAKE CERTIFIED MAIL SHOWING ALL THE BLANK DOCUMENTS AND POINTING OUT CERTIAN THINGS IN THE CONTRACT LIKE THE DEBT WAS ALREADY PAID AND THE CONTRACT COULD BE CHANGED IN WRITING THEY NEVER RESPONDED IN XXXX OF XXXX I ATTEMPTED TO ARBITRATE THE MATTER ( SEE ATTACHED ) THE ARBITRATION COMPANY REACHED OUT TO WESTLAKE TWICE ONCE BEFORE I PAID THE FEES AND ONCE AFTER I PAID WESTLAKE HAS NEVER RESPONDED I WAS NOT ABLE TO PAY ANY MORE OF THE FEES SO TUE ARBITRATION COMPANY CLOSED THE CASE I AM NOT ABLE TO UPLOAD SAID BLANK DOCUMENT BECAUSE OF THE 10MB MAXIMUM UPLOAD SPACE SO IF THAT IMFORMANTION IS REQUIRED I WILL BE MORE THEN HAPPY TO SEND IT IN ANOTHER FORM IF NEEDED BECAUSE WESTLAKE WAS CONTACTED A TOTAL OF 3 TIMES AND FAILED TO RESPOND THEY HAVE ACQUIESCE TO SAID CLAIM AS OF TO DATE I HAVE FILED A COMPLAINT HERE ( CFPB ) AS WELL AS THE FEDERAL TRADE COMMISSION AND THE ILLINOIS ATTORNEY GENERAL OFFICE

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
In 2021 State of florida was paying rent for people with XXXX. They was paying my rent and stated they was sending a check and apartment complex never received because they ran out of funding and they evicted me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Dear Sir/Madam, I am submitting a dispute regarding inaccuracies found on my credit reports across the three major credit bureaus TransUnion ( TU ). Below is the detailed information of the accounts in question : Charged-Off Accounts XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4800.00} Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  XXXX  Account Number : XXXX XXXX XXXX  Account Number : 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: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am submitting this complaint regarding multiple credit card accounts being reported inaccurately and misleadingly on my consumer credit reorts in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ) The Following furnishers are reporting charged-off accounts while simultaneously reporting current past-due balances, and in some instances conflicting balances, which is internally inconsistent, inaccurate, and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit Karma froze my account for no reason when I try to get the funds i get a error message they tell me just to wait I need my money

Company response to consumer: Closed with 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Dear Sir/Madam, 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 ( FCRA ). The specific information I am disputing is as follows : Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are incorrectly reported under my name and must be removed within 15 days per USC 1681g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
Capital One texted me saying there maybe fraud on my account. I called and verified all the charges. No fraud. Yet they still closed the account and issued a new account number. I requested they over night the new card because I am on the road. After 4 hours made up of 8 calls they were not able to verify something ( would not tell me what ) and thus unable to send a card in time. I needed the card by wed. as I am scheduled to be driving from my present location. Several times I the supervisors I spoke with told me one thing only to find out from someone else that was not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My name is XXXX XXXX and today I was called " XXXX  XXXX '' by XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, AL XXXX. It happened on XX/XX/XXXX at XXXX CST and I assume she mistook the company logo on my work shirt for a Trump logo since it has an American flag background and my company 's name overlaid on it. 

I have been going to this bank every other Friday to cash my paycheck since XXXX and never had an issue until today. We were all given 2 checks before going home for the holidays, a post-marked paycheck and a bonus check marked for today. While standing in line at the bank, I reminded the guys I work with that they wouldn't be able to cash the post-dated check but would be able to cash the bonus check and immediately XXXX XXXX interjected from 12 ' away to tell us how she had worked there for 15 years and that's how things had always been done and the tone was instantly condescending, like someone had already complained about it but that had nothing to do with us. We weren't complaining, it wasn't an issue. We bickered back and forth " cordially '' for a second because at that point I felt attacked and then I stood in line and quietly waited for my turn for 5 or so minutes and since she was the only teller working at the time, she was the person I ended up having to speak to. 

I signed my check, gave her my valid ID and she looked at it and asked if I had an account with them and I said no and explained how I'd had trouble with Regions years ago and didn't trust them to hold onto my money as a result but the check is a Regions check and I cashed it there every other week without issue. She then said that people like me were ruining her holiday spirit and that she no longer felt like cashing my check, pushed that and my ID back across to me and called me XXXX XXXX under her breath and while it was meant to be said quieter than average conversation, it was obviously meant for me to hear it. I immediately asked her what she'd just called me and laughed a second, partially stunned but then she told me since she was the only teller and refused service to me that I should get in the back of the line and hope someone else felt like fooling with people like me. I said no, I had already stood in line and I was gon na be treated like the customer I was or be trespassed, but just then 2 other tellers came back from lunch ( I assume ) and one immediately cashed my check without any hassle whatsoever. I asked XXXX XXXX her name, she refused, then she handed me a card with her name on it and that was that.

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: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I am submitting this complaint regarding repeated and unwanted communications concerning an alleged account. 

Despite my efforts to address the matter appropriately, the company continued to initiate contact in a manner that I believe is excessive and inconsistent with my request to limit communications. These communications included calls and/or written correspondence after I had taken steps to formally notify the company of my position. 

On or about XX/XX/year>, I sent a written notice requesting that the company cease further communications except as permitted by law. After this notice was sent, I continued to receive additional communications regarding the same matter. 

The ongoing contact has caused unnecessary stress and inconvenience. My intent is not to dispute the forum here, but to request that the company comply with applicable consumer protection laws and honor written communication requests. 

I am requesting that the company : Acknowledge receipt of my cease communication request Confirm compliance with applicable federal consumer protection regulations Cease all non-permitted communications related to this matter I am submitting this complaint in good faith and am seeking a documented resolution.

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 information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Equifax 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 an account opened a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent accounts appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, l appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts 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, are the result of identity theft and fraud.

Company response to consumer: Closed with explanation