vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My daughter needed XXXX XXXX done so I found byte to try and XXXX XXXX XXXX. I paid the first two payments with the company and then all of the sudden Westlake Portfolio came in and started trying to take the payments and immediately turned it in to my credit as behind payments. I never signed a contract with Westlake. I never agreed to release my information to them. I have repeatedly told them that I don't owe them the money because my contract was with byte. Today they have called me 6 times before XXXX and also have sent me two emails. I informed them that they needed to stop calling me because this is not who i owe the debt thru but they will not listen and continue to call from different numbers so I can not block them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: AR

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$590.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
idland Credit Management XXXX XXXX XXXX  ( XXXX XXXX  ) Product : Credit card or prepaid card Issue : Threatened to take legal action / Harassment / Failure to validate debt Company : Midland Credit Management ( on behalf of XXXX XXXX  ) Account Type : XXXX Credit Card Last Payment : XX/XX/XXXX Complaint Narrative : I am filing a complaint against Midland Credit Management ( MCM ), who is attempting to collect a debt on behalf of XXXX XXXX  for a XXXX Credit Card account. I have repeatedly requested proper debt validation, which I am entitled to under the Fair Debt Collection Practices Act ( FDCPA ). 

During a recent phone call, a representative from MCM threatened to sue me and take legal action if I did not pay immediately. This occurred before any proper debt validation was provided, and while they were still using an outdated address from XXXX and an invalid email address. When I asked for validation, the representative became hostile, mocked me, and said I must have gotten that from XXXX. She then raised her voice and continued to speak to me in a demeaning tone. 

I later spoke with a manager named XXXX, who acknowledged the outdated contact information and stated that a new debt validation letter would be sent to my correct address. I am still waiting for that letter. 

In addition to the threats and verbal abuse, I have been receiving daily phone calls from multiple different numbers, even after blocking them. These calls occur multiple times a day, which I consider to be harassment. 

I am requesting that : Midland Credit Management cease all communication with me except to provide proper written debt validation. 
The debt be removed entirely from their collection efforts and any credit reporting, due to their failure to validate and their use of intimidation tactics. 
The CFPB investigate this incident for violations of the FDCPA, including harassment, deceptive threats of legal action, and failure to provide proper documentation. 
I receive written confirmation that no lawsuit will be filed and that the debt will not be pursued further unless fully validated. 

I have documentation of the call and am prepared to provide further details if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing a complaint against C

ash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regurind similanse
actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to demand immediate action regarding the unresolved return of funds from our closed business account under XXXX XXXX XXXX XXXX XXXX. To date, Citibank has failed to release the remaining balance of {$34000.00} USD, despite repeated promises and despite our full compliance in providing the requested documentation. 



Timeline : XX/XX/XXXX Account Opening : Our account was opened in citi branch located in XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX under XXXX XXXX XXXX XXXX XXXX. At no point during the account opening process did Citibank request or raise any issue regarding a XXXX certificate. The account was approved and operated without issue. 

XX/XX/XXXX Account Blocked : The account was suddenly blocked. We were told the matter would be resolved within 3060 days. We went to the bank and they mentioned the reason they are going to close the account because they do not know the XXXX XXXX. We went to the bank and give them the information about XXXX, and they will not accept and mention let us wait till the day closed and give us the check. 

XX/XX/XXXX Account Closed : The account was closed, and Citibank stated that a refund check would be issued. 

After Closure : No refund check was received. 

Later Excuse : We were later told XXXX XXXX is not your company as the reason for withholding funds. It also has been a year we dont get any information that they need a XXXX XXXX XXXX XXXX. This is inaccurate and misleading, since XXXX XXXX is our registered XXXX under XXXX XXXX and no such objection was raised when the account was opened. 

XX/XX/XXXX XXXX Submitted : Your branch manager, XXXX XXXX XXXX, confirmed receipt of our XXXX documentation. Despite this, Citibank has continued to withhold our funds. we have attached our business license and XXXX  file

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 2025-10-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Fresh Holdings Inc
State: MI

Complaint narrative:
I received a call from a female agent stating they are with XXXX XXXX she verified my name and dob and was very combative with me. She put me on hold and transferred me to a supervisor by the name of XXXX XXXX. He was awful and deceitful. He was very misleading and deceptive. The call initially started on XXXX at XXXX XXXX  The " supervisor '' XXXX stated he spoke with collections and the most they could do is a settlement of {$1000.00} or 24 payments of {$69.00}. The did disclose the debt was for credit fresh. I said I can do $ XXXX. I have numerous medical bills and other debts I am obligated to pay. He came back with 48 months {$34.00}. I asked to speak to collections and they refused to let me talk to them. I said I can do $ XXXX. They refused to accept the arrangement and refused to let me speak to a collector. I want an FDCPA to confirm this debt is actually with this agency mailed to me. I do not trust them after the abusive practices made in this phone call. I tried to resolve it amicably and they refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-10-01 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: PA

Complaint narrative:
A late payment was incorrectly reported on my credit report. I made the payment within 30 days of the due date, which should not qualify as a reportable late payment under the Fair Credit Reporting Act ( FCRA ). Please remove immediately the following accounts : XXXX XXXX Despite resolving the payment within the 30-day window, the creditor reported it as 30 days late, which has negatively affected my credit score. Ive contacted the creditor to dispute the inaccurate report, but I have not received a resolution. 



This reporting is inaccurate and violates my consumer rights. I am requesting that this late payment be removed from my credit history.

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 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CO

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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is stark. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind. With utmost respect, I urgently request the immediate correction of my account, stressing the urgency of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I had unauthorized charges on my account which I disputed on XXXX XXXX  they are still investigating my dispute but refusing to grant me provisional credit even though I turned in a paper to receive it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: LA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute an inaccurate late payment listed on my credit report. 
I have reviewed my report and found a late payment entry for Account Name : XXXX Card Account Number XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  which I believe is incorrect. 

I have consistently maintained an excellent payment history with Creditors and have never been late with a payment. 
I request that you thoroughly investigate this matter and promptly remove the erroneous late payment from my record, as it does not reflect my truefinancial history. 
I appreciate your prompt attention to this matter. 
Please notify me in writing of any updates regarding the status of this dispute and kindly correct my credit report if this itemis found to be inaccurate. 
Thank you for your assistance.

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 2025-10-01 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: NM

Complaint narrative:
My cash app card was charged unauthorized for a transaction and my card was locked and transactions were shut off so I called to file complaint they said it was not made with my card it was cash app pay I'm not sure if your transactions are off how XXXX still getting charged so I asked him for a XXXX but apparently they had no management working. I told him I would be contacting a attorney and filing a lawsuit and he laughed and I told him I was recording the phone call although I really wasn't and he said XXXX .and then said he was ending the call due to that so I looked back at my phone and I have had so many cash app. App transactions since XXXX I believe I have all the transactions noted including the denied and successfully completed transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: NY

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lockhart, Morris & Montgomery Inc.
State: WI

Complaint narrative:
When recently reviewing my credit report- there is a notice of collection on my report which is negatively impacting my XXXX XXXX. 
I have never been contacted by this law firm or whomever they represent notifying me that there was an outstanding debt of any kind. 
Law firm of XXXX XXXX XXXX XXXX XXXX filed a collection on my credit report with XXXX, XXXX XXXX XXXX without contacting me via phone, email, digitally or XXXX mail. This posting to my credit report without proper notification is in violation of several federal fair credit and debt laws. 
Upon attempting to call the XXXX firm of XXXX XXXX XXXX XXXX XXXX I have received numerous messages of being closed, server updates, etc. 
I demand that this false reporting be removed from my credit report or I will pursue legal action against this firm and with my XXXX XXXX XXXX  Attorney General XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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:
PLEASE BLOCKED AND REMOVED. 
Please remove this inaccurate entry from my credit report. I did not authorize or acknowledge this account. Enclosed are the relevant documents supporting my assertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
account used and open a few times with out my knowledge

Company response to consumer: Closed with explanation