vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: SC

Complaint narrative:
My car was repossessed in the end of the month and recovered on XX/XX/year>. 
My lienholder is reporting the account as a repo to all three credit bureaus and I still have the car in my possession. The lienholder is Bridgecrest. Attached is the proof the car was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I am disputing inaccurate credit reporting by Citibank/Home Depot related to a credit card account ending in XXXX. This account was paid in full as part of a mortgage refinance handled by XXXX XXXX XXXX XXXX on XXXX XXXX XXXX. Two checks totaling {$5200.00} were issued by the title company to Home Depot/Citibank and both were cashed on XXXX XXXX XXXX Despite this, the creditor failed to apply the funds to the correct account and has continued to report the account as past due. 

This error has caused significant harm to my credit score ( a drop of over XXXX points ), and as a result, other creditors have closed accounts and lowered limits. I have provided Citibank/Home Depot with proof of payment, including the title company 's disbursement letter and copies of the cashed checks. The creditor acknowledged receipt of my dispute and began an internal investigation, but no correction has been made as of the date of this complaint. 

I am requesting that Citibank/Home Depot immediately update their internal records, reverse any late fees or interest charges since XXXX XXXX XXXX and correct their reporting to the credit bureaus by removing any late payment notations and accurately marking the account as paid in full. 

I have also submitted formal disputes to all three credit bureaus and sent a correction request directly to the creditor. Supporting documents are available and can be uploaded upon request.

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 2025-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: HI

Complaint narrative:
I paid off the remainder of my loan per my agreement with Westlake Financial. They took the agreed-upon payment, but now are saying that I still have a balance and will not convey the title to my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'M I'M SUBMITTING THIS NEW COMPLAINT ABOUT CURRENT OPEN COMPLAINT. THAT I HAVE FILED AGAINST BANK OF AMERICA WITH THE CFPB. Considering my complaint, I had mentioned one of the key subjects in regards to this complaint was a employee of Bank of America 's company named XXXX XXXX, who is resolution specialist. So considering this fact I had, I responded to the Bank of America 's email. That was their initial response to the complaint that I had filed below are the 2 email responses that I had emailed back to Bank of America and I have yet to receive any sort of response. Via email or the uh, uh, my complaint XXXX FIRST EMAIL IN RESPONSE TO BANK OF AMERICAS AUTOMATED EMAILS ONCE THEY RECIEVED MY COMPLAINT VIA CFPB : Dear XXXX XXXX XXXX Thank you for your email. 
I can confirm that I am XXXX XXXX and I am the party who engaged the Consumer Financial Protection Bureau ( CFPB ) regarding this matter. 
However, I must express my serious concern regarding your assignment as my Resolution Specialist for this complaint. In my initial complaint filed with the CFPB, you were specifically named as the main subject of my complaint due to previous interactions and a lack of resolution from your end.

Given this direct conflict of interest, it is inappropriate for you to be my point of contact for resolving the very issues I complained about concerning you. I request that this matter be immediately reassigned to a different Resolution Specialist who was not involved in the prior interactions detailed in my CFPB complaint.

I look forward to receiving a written response to my complaint from an impartial specialist. 
Sincerely, XXXX XXXX SECOND FOLLOW UP EMAIL : Dear Bank of America Regulatory Complaints Department, This email is a follow-up to my previous correspondence regarding my CFPB complaint ( CTR XXXX ). As previously stated, I can not proceed with XXXX XXXX as my Resolution Specialist due to a direct conflict of interest, as she is the subject of my complaint.

I urge you to immediately reassign my complaint to an impartial Resolution Specialist who has no prior involvement in the issues I raised. I expect a prompt written response from a new, unbiased specialist. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: MI

Complaint narrative:
I have requested over 4 times for the removal of a bankruptcy that was not only inaccurate but is not listed on the Equifax credit report because Equifax removed it 5 years ago .. My information was compromised in the Equifax/XXXX  data breach and per request for the removal of accounts that I did not open myself. My letters were never answered and my next step is legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
My friend gave me this card for my birthday. I used it at XXXX, but had to return the item. They told me to dispute the order, because they were having a hard time with the refund, but it turns out, the refund went through, but it was after the dispute. Now, my card is on hold because of the dispute, and I can't use it for my birthday now. I tried to contact the gift card ( Vanilla Visa Gift Card ) and I keep getting automated, and I couldn't get hold of any live representatives, and I've called multiple times, and it all leads to it being automated. And I really want the money or use the gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 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: LA

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COLL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COLL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TrueAccord Corp.
State: GA

Complaint narrative:
In 2022, I moved internationally to XXXX. Prior to leaving, I contacted XXXX XXXX XXXX ( my provider at the time ) regarding my phone plan and international usage. I was warned of potential roaming fees during travel through XXXX, and soon after arrival in XXXX I saw over {$500.00} in automatic roaming charges on my account despite not making any calls or using mobile data. 

I spoke with XXXX XXXX XXXX representatives who acknowledged the error, agreed that the charges were not legitimate, and confirmed they would be removed. At the same time, they assured me my account would be placed on a service suspension plan during my time abroad. 

When I returned to the U.S., I assumed the service suspension was still in place. I was surprised to find a {$200.00} charge, which I disputed. XXXX XXXX XXXX not only rejected the dispute but escalated the balance to over {$1100.00}, claiming I now owed the full price of the phone and accumulated service. 

I did not use the service during the time in question. I had no intent to reactivate full billing. I disputed the charges in good faith. Instead of addressing the error or honoring the earlier agreement, XXXX XXXX XXXX escalated the balance and passed it to TrueAccord, who is now attempting to collect. 

I contacted TrueAccord to dispute the validity of this debt and requested validation per the Fair Debt Collection Practices Act. I am asking that this complaint be investigated and the debt removed or resolved fairly. This situation stems from XXXX XXXX XXXX miscommunication and poor internal handling, not my failure to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: OH

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-08-05 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: OH

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-08-05 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: TX

Complaint narrative:
To Whom It May Concern, This is a formal response to Experian 's reply to my original complaint submitted through the CFPB on XX/XX/year>. 

Experian claims to have conducted a reinvestigation and contacted the furnishers, stating the information was " verified. '' However, their response failed to address the key point of my complaint a demand for the Method of Verification ( MOV ) under FCRA 1681i ( a ) ( 7 ), which requires them to provide the procedures used to verify the disputed items, and the name, address, and contact information of the furnishers. None of this was included in their reply. 

In addition to ignoring my MOV request, Experian also failed to address the following serious issues I raised : Duplicate reporting of the same XXXX  account with different data Inconsistent status of the same accounts between Experian and TransUnion Incorrect balance and payment status updates Failure to mark accounts as disputed during the process, violating 1681i ( c ) These are not vague or general concerns they are specific factual errors that Experian is obligated to investigate and correct under FCRA 1681i ( a ) ( 1 ) ( 5 ). 

At this point, I am asking the CFPB to escalate this complaint. Experian is in noncompliance with multiple sections of the FCRA, including 1681i ( a ) ( 7 ), 1681e ( b ), and 1681i ( c ). Their continued refusal to provide documentation or properly investigate these entries is a violation of federal law and causes ongoing harm to my creditworthiness. 

I request that the CFPB require Experian to : Provide the Method of Verification ( including documentation and procedures used ) Delete any unverifiable or inconsistent information immediately Address and correct all inaccuracies cited in the original dispute Please let me know if additional documentation or clarification is needed. 

Sincerely, 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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Hello, basically. Im an owner of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, I had a customer contact via text to get their vehicle told. ( I have screen shot of information ). The customer car was transferred successfully and I was paid via Zelle on XX/XX/XXXX. I also provided customer a receipt as well. On XX/XX/XXXX, my Zelle was deactivated. Upon consulting with Zelle representative, they advised that I need to provided documentation. Ive emailed Zelle at least XXXX  times and no response. Moving forward, I would like my Zelle to be reactivated. No one from Zelle has reached out to me and my company is loosing a lot of revenue because most of my client pay by Zelle. I would like my Zelle reinstated. My case number is XXXX. Ive attached the invoice and screenshots. Clearly, the customer is making a false report. 








XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Conduent Incorporated
State: AZ

Complaint narrative:
Issue : Blocked Access to XXXX  XXXX XXXX XXXX via Way2Go Card ( Conduent ) I currently have $ XXXX in XXXX XXXXs trapped on a Way2Go card issued by Conduent for XXXX  XXXX XXXX Ive attempted multiple ACH transfers to my bank account. Each time, the website said the transfer was successful, but the money was silently reversed a day or two later as a cash adjustment, with no notification or explanation. 
I had to search online to learn these reversals were due to an undocumented fraud prevention system. 
I called and was told to submit ID to XXXX, a process not documented publicly. 
I had to ask for my case number, and only later learned that it never changes. 
After my ID was accepted and the fraud alert cleared, I attempted an ACH transfer, and it was silently reversed again. 
After more research, I submitted bank account documentation to the same email, three separate times, according to their instructions. I received no responses and was never notified of any issues. 
I only learned that each submission was denied by calling customer service to ask. 
Their phone system is deliberately obstructive if you enter your card number or SSN, youre routed into a menu that prevents speaking to a human. The only way to reach someone is by not entering any information, which I discovered by trial and error. 
Their website was down for weeks at one point, with no communication I was only able to use the app. 
The card system doesnt allow for recurring transfers, unlike similar programs in other states ( e.g., XXXX ). 
I contacted the XXXX Governors office, and someone responded once to suggest I submit a direct deposit form to the unemployment office for future payments which wouldnt help with the {$5400.00} already on the card. 

Ive complied with every instruction given to me. Theres no formal process to appeal, and no transparency in the system. This appears to be a systemic obstruction that benefits Conduent by keeping funds on the card, where they may collect fees. Im requesting immediate help to gain access to my funds and to investigate Conduents practices.

Company response to consumer: Closed with explanation