vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: LA

Complaint narrative:
Bitcoin amount was moved to exchange rate without my permission can't spend money I invested. Also borrowed from Cashapp twice and paid back and was told I had to have a deposit which I already have direct deposit account every month since XX/XX/year>. Also after pay was put on my account without my permission and I asked the first day I saw it to be removed it's been there since XX/XX/year> with a amount I don't recognize and there saying I need to pay this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: FL

Complaint narrative:
XXXX amount XXXX i did not open this account. identity theft

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 2025-11-17 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
The company is showing I opened an account with them. However, I have spoken with the company and asked them to stop contacting me about an account that was never opened or authorized by me. They are still harassing and making negative reports about me to the credit bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: CT

Complaint narrative:
The CFPB closed the complaint XXXX. Rocket mortgage did not provide the appropriate answer to my concerns about modifying my automatic payments without my authorization. 

Dear XXXX XXXX I acknowledge the treatment payment of {$5000.00} made on XXXX XXXX, XXXX. However, my primary concern remains unaddressed : the unauthorized modification of my automatic payment schedule. At no point did I instruct or authorize the company to alter or suspend my routine automatic payments. The decision to do soregardless of any extra payments I may have madewas taken without my consent and constitutes a breach of trust and protocol. The response I received appears to divert attention from this core issue. I respectfully request a clear explanation of : Who authorized the change to my automatic payment schedule? What policy or agreement permits the company to make such changes without customer approval? What steps will be taken to prevent such unauthorized actions in the future? I expect a direct and transparent resolution to this matter. Please treat this communication as a formal complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MO

Complaint narrative:
1 am the victim of identity theft and fraudulent use of my personal information.

The accounts listed below were not opened by me, not authorized by me, and not connected to any legitimate activity I engaged in.

These accounts were fraudulently created using my : Name Social Security number Date of birth Personal identifiers The fraudulent activity has resulted in negative credit reporting, collection activity, and financial harm.

I have never applied for, opened, used, or approved ANY of the accounts listed below. Fraudulent Accounts ( All Must Be Deleted ) 1. XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  - FRAUD Account # XXXX - FRAUD 2. XXXX XXXX XXXX  Account # XXXX - FRAUD 3. XXXX XXXX  Account # XXXX - FRAUD 4. XXXX XXXX XXXX  Account # XXXX - FRAUD 5. XXXX XXXX XXXX XXXX Account # XXXX - FRAUD This company is attempting to collect a debt on an account I NEVER opened.

FCRA Violations 15 U.S.C. 1681c-2 Identity theft blocking required 15 U.S.C. 1681i Failure to reinvestigate disputes 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 605B Must block fraudulent information within 4 days FDCPA Violations ( for collection accounts ) 15 U.S.C. 1692e ( 2 ) - False representation of a debt 15 U.S.C. 1692e ( 8 ) - Reporting information known to be false 15 U.S.C. 1692g ( b ) Must cease collection until debt is validated Identity Theft Enforcement FACTA Identity Theft Red Flags Rule Failure to use reasonable procedures to prevent 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 2025-11-17 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: MO

Complaint narrative:
1 am the victim of identity theft and fraudulent use of my personal information.

The accounts listed below were not opened by me, not authorized by me, and not connected to any legitimate activity I engaged in.

These accounts were fraudulently created using my : Name Social Security number Date of birth Personal identifiers The fraudulent activity has resulted in negative credit reporting, collection activity, and financial harm.

I have never applied for, opened, used, or approved ANY of the accounts listed below. Fraudulent Accounts ( All Must Be Deleted ) 1. XXXX XXXX XXXX Account XXXX XXXXXXXX XXXX  - FRAUD Account # XXXX - FRAUD 2. XXXX XXXX XXXX  Account # XXXX - FRAUD 3. XXXX XXXX  Account # XXXX - FRAUD 4. XXXX XXXX XXXX  Account # XXXX - FRAUD 5. XXXX XXXX XXXX XXXX Account # XXXX - FRAUD This company is attempting to collect a debt on an account I NEVER opened.

FCRA Violations 15 U.S.C. 1681c-2 Identity theft blocking required 15 U.S.C. 1681i Failure to reinvestigate disputes 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 605B Must block fraudulent information within 4 days FDCPA Violations ( for collection accounts ) 15 U.S.C. 1692e ( 2 ) - False representation of a debt 15 U.S.C. 1692e ( 8 ) - Reporting information known to be false 15 U.S.C. 1692g ( b ) Must cease collection until debt is validated Identity Theft Enforcement FACTA Identity Theft Red Flags Rule Failure to use reasonable procedures to prevent fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CreditNinja Lending, LLC
State: AR

Complaint narrative:
In XX/XX/year>, I received an unsolicited offer from CreditNinja promoting an installment loan of up to XXXX dollars. I have never done business with this company and never requested any loan information. I opted out of prescreened credit offers, yet they continue contacting me through mail. 

Each new mailing feels like another knock on the door I already closed. I followed the official opt-out process but the invitations keep coming. This repeated contact is unwanted, unnecessary, and disrespectful of my requests. 

I consent to having this description published after removal of personal information.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NJ

Complaint narrative:
A XXXX Account appeared on my Equifax credit report this month from XXXX XXXX XXXX for {$210.00}. This only appeared on Equifax and no other credit report. The account information is scarce, The date of first delinquency was XX/XX/XXXX, and that the XXXX account was opened XX/XX/XXXX. I do not believe the XXXX account belongs to me, I have not been delinquent on any loans. I no longer have any loans outstanding and the XXXX Account, despite its age, has never appeared on any prior Credit Report I filed a dispute with Equifax on the XX/XX/XXXX and the dispute was quickly closed on XX/XX/XXXX. The dispute report states " Consumer Information Verified '' and that Equifax contacted XXXX XXXX XXXX and that XXXX XXXX XXXX " verified '' that the account belonged to me. 

The report also states : " You XXXX request a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of the furnisher of information contacted, and if reasonably available the telephone number. '' So I called Equifax 's help line XXXX and requested to know how exactly it was verified. the agent on the other end could not elaborate on how it was verified or what information was used to verify. The agent only stated that a " back end team '' completed the investigation and that the only thing they could provide me was the number for XXXX XXXX XXXX, which was already included in the report. 

I have tried to contact XXXX XXXX XXXX but they are not yet open for business as it is a weekend and i am wary of calling them anyways and giving them identifying information about myself to locate this account. The Equifax report barely contains any information that i could use to confirm the XXXX Account, only the last XXXX digits of the account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX XXXX XXXX XXXX initiated a routine domestic Zelle transfer in the amount of {$14000.00} from our XXXX XXXX XXXXXXXX business checking account to a U.S.-based recipient for legitimate business purposes related to real estate services. All parties involved are U.S. citizens or residents with domestic accounts, and there are no international elements or connections to sanctioned individuals, entities, or countries. Shortly after initiation, XXXX XXXX XXXXXXXX informed us that the transfer had been flagged and held due to an automated screening match under the XXXX XXXX XXXX XXXX XXXX ( XXXX ) sanctions regulations, as outlined in 31 CFR Part 501. We believe this to be a false positive, likely resulting from a name similarity, memo field keyword, or other innocuous transaction detail that triggered the banks compliance system, as described in OFACs reporting and procedures guidelines ( e.g., XXXX on reports of blocked property and XXXX on procedures for unblocking funds due to mistaken identity ). Despite our immediate inquiries, XXXX XXXX XXXXXXXX has not provided detailed reasons for the hold beyond referencing XXXX compliance, citing regulatory restrictions on disclosure. Frontline representatives have been unable to escalate or resolve the issue promptly, and the funds remain inaccessible in a blocked account. This is the first such incident we have experienced, and a review of OFACs Specially Designated Nationals ( XXXX ) XXXX and other sanctions lists confirms no actual match to our company, myself, or any associated parties. As of XX/XX/year>, the hold has persisted for three days, causing significant disruption to our business operations, including delayed payments for time-sensitive real estate transactions and potential financial harm such as lost opportunities and additional costs. We have taken steps to resolve this by contacting Bank XXXX XXXX XXXX Department and XXXX a request to XXXX for XXXX under XXXX CFR XXXX, providing proof of identity and transaction details. However, the banks handling has been inadequate, with slow response times and lack of transparency, violating expectations for fair and efficient consumer financial services. This erroneous hold appears to stem from overly broad automated screening without timely manual review, as permitted under XXXX regulations but resulting in undue burden on innocent customers. We request CFPB intervention to compel XXXX XXXX XXXXXXXX to expedite the review, release the funds, and improve their processes to prevent similar false positives in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: PA

Complaint narrative:
I am formally notifying you that I am a victim of identity theft. I have included my official FTC Identity Theft Report as evidence of this crime. I did not authorize, initiate, or consent to this account. I did not give written permission for these companies or any related parties to access, obtain, or furnish my consumer report. LEGAL BASIS FOR DELETION ( 15 USC 1681b No Permissible Purpose The following account appearing on my credit file were opened or accessed without my knowledge or written permission : 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 2025-11-16 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: Westlake Services, LLC
State: FL

Complaint narrative:
My vehicle financed through Westlake Portfolio Management was totaled in XX/XX/XXXX due to unauthorized use or possession and became completely inoperable. Despite the total loss, Westlake continued to report delinquencies, repossession codes, and charge-off entries for XX/XX/XXXX through XXXX. 

This reporting is factually incorrect and materially misleading, because : A totaled vehicle can not be repossessed Delinquencies can not accrue after collateral is destroyed Charge-off progression can not continue after total loss Lender must update Metro2 status due to collateral loss Yet Westlake reported : 30-day late ( XX/XX/XXXX ) XXXX late ( XX/XX/XXXX ) Repossession codes ( XXXX & XX/XX/XXXX ) Charge-off ( XX/XX/XXXX ) Charge-off every month in XXXX & XXXX These entries violate FCRA 623 because Westlake is reporting information it knew or should have known was inaccurate following the total loss. 

I am requesting correction of all derogatory reporting after XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately and misleadingly reporting an auto loan repossession and charge-off on my credit reports ( Account # XXXX ). The account is being reported as BOTH charged off and past due, which is contradictory and violates FCRA 602 and 607 ( b ), which require maximum possible accuracy and prohibit any information that creates a misleading impression. 

A debt can not legally be reported as charged off while simultaneously being reported as still past due. This dual reporting artificially damages my credit profile and misrepresents the actual legal status of the account. 

In addition, under FCRA 611 and 609 ( a ) ( 1 ), I am formally requesting full verification and all documentation relied upon by XXXX for the repossession, deficiency balance, and reporting of this account. This includes the UCC Article 9 required notices ( 9-611 and 9-614 ), the complete auction/sale accounting, the deficiency balance calculation, the original signed contract, and all data provided to the credit bureaus. 

As a federally regulated credit union, XXXX must comply with 12 C.F.R. 701.21, which requires complete and accurate lending documentation and proper reporting standards. If XXXX can not produce every required document, the tradeline becomes unverifiable under FCRA 611 ( a ) and must be deleted. 

I am requesting CFPB intervention because the reporting is inaccurate, contradictory, and incomplete, and XXXX has not demonstrated compliance with federal lending and reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately and misleadingly reporting an auto loan repossession and charge-off on my credit reports ( Account # XXXX ). The account is being reported as BOTH charged off and past due, which is contradictory and violates FCRA 602 and 607 ( b ), which require maximum possible accuracy and prohibit any information that creates a misleading impression. 

A debt can not legally be reported as charged off while simultaneously being reported as still past due. This dual reporting artificially damages my credit profile and misrepresents the actual legal status of the account. 

In addition, under FCRA 611 and 609 ( a ) ( 1 ), I am formally requesting full verification and all documentation relied upon by XXXX for the repossession, deficiency balance, and reporting of this account. This includes the UCC Article 9 required notices ( 9-611 and 9-614 ), the complete auction/sale accounting, the deficiency balance calculation, the original signed contract, and all data provided to the credit bureaus. 

As a federally regulated credit union, XXXX must comply with 12 C.F.R. 701.21, which requires complete and accurate lending documentation and proper reporting standards. If XXXX can not produce every required document, the tradeline becomes unverifiable under FCRA 611 ( a ) and must be deleted. 

I am requesting CFPB intervention because the reporting is inaccurate, contradictory, and incomplete, and XXXX has not demonstrated compliance with federal lending and reporting standards.

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 2025-11-16 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: Ava Finance, Inc
State: FL

Complaint narrative:
I was a victim of the Equifax data breach, and an account from Ava Finance recently appeared on my credit report that I do not recognize. I never opened an account with this company. It is reporting as delinquent and is negatively affecting my credit. Around the same time, I also experienced fraudulent activity on my checking account, which makes me believe this account was opened using my stolen information. I emailed Ava Finance and called on XX/XX/year> to dispute the account, but I have been unable to reach a live person or get any response. It seems nearly impossible to contact this company. I am requesting that this fraudulent account be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
ON XX/XX/year> I TRIED MAKING A A PURCHASE FROM XXXX FOR A RIDE, IT NOTIFIED ME THAT MY CARD HAD BEEN CANCELED I CHECKED MY ONLINE BANKING APP IT SAID MY FUNDS ARE NOT AVAILABLE I NEVER GOT A NOTIFICATION FROM CAPITAL XXXX UNTIL XXXX DAY LATER I CALLED XXXX XXXX AND THE LADY TOLD ME MY CHECKING ACCOUNT HAS BEEN DEACTIVATED AND ALL OF MY FUNDS ARE FROZEN I TOLD HER I WANTED ALL OF MY MONEY AND SHE SAID I CAN NOT HAVE MY MONEY UNTIL THIS ISSUE IS RESOLVED SHE SAID I CAN TRY GOING INTO THE BRANCH TO RESOLVE THIS ISSUE. THEN WHEN I WENT TO THE BRANCH I HAD XXXX OF THE XXXX XXXX ASSOCIATES I EXPLAINED TO HIM MY SITUATION AND HE CALLED THE HEADQUARTERS AND ASK THEM IF I COULD GET MY MONEY TAKEN OUT OF MY ACCOUNT AT THE BRANCH AND THEY TOLD HIM THAT I COULD NOT UNTIL THIS ISSUE GETS RESOLVED AND IT COULD TAKE FROM UP TO XXXX  DAYS.ALL I WANTED WAS ALL OF MY FUNDS.THIA HAS OUT ME IN A TERRIBLE SITUATION WITH A PREGNANT GIRLFRIEND WITH NO MONEY AND NO ACCESS TO MY ACCOUNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
My XXXX credit card managed by Chase allowed unauthorized charge made by XXXX in the amount of {$430.00} although I asked Chase to change that card after previous fraudulent charges by XXXX! Yet, Chase allowed that another fraudulent charge to be made to a new card. After I notified the Chase of that fraudulent charge they remove the charge but charged me with late fee for unknown reason. Then Chase made many other questionable charged and deduction and came out with fraudulent balance due of {$3.00} which will not be paid!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: VA

Complaint narrative:
I XXXX XXXX AM SUBMITTING THIS COMPLAINT ON BEHALF OF MYSELF. THIS IS NOW MY THIRD REQUEST, AS MY PREVIOUS TWO HAVE GONE UNANSWERED. 

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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