vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-11 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: AZ

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need to have an address deleted from my credit report. Its showing XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX as my address when it is not. 
My real address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I need to have an address deleted from my credit report. Its showing XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX as my address when it is not. 
My real address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a serious billing error on my Capital One credit card account that has remained unresolved since XXXX XXXX. 

Summary of Events : XXXX XXXX XXXX : I paid off {$4600.00} on my Capital One credit card, reducing my XXXX XXXX statement balance to {$100.00}.

XXXX XXXX XXXX XXXX I made a purchase of {$4000.00} to XXXX XXXX XXXX XXXX agency for an annual Au Pair service.

The Au Pair stayed only one week and then disappeared. I contacted XXXX and requested a refund. 

Initially, XXXX was uncooperative, so I contacted Capital One and requested a chargeback/dispute. 

XX/XX/year> : Capital One issued a provisional credit of {$4000.00}. 

That same day, XXXX independently issued a refund of {$4000.00} to my account. 

I promptly called Capital One and informed them that the merchant had refunded the charge and they could reverse the provisional credit. 

The Error : Instead of properly crediting my account once for the {$4000.00} refund, Capital One subtracted the provisional credit and the actual refund, resulting in a double deduction. My account showed a negative balance of - {$8000.00}, which was later adjusted to negativ {$4000.00}. However, my account is still showing a balance of {$4000.00} owed, as if I never received the refund at all. 

I have made numerous calls and spent countless hours trying to explain this error, but the issue remains unresolved. Furthermore, interest charges have been added to this incorrect balance, increasing the amount I am wrongly being held responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Bridgecrest Acceptance Corporation
State: MO

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX from XXXX, financed through Bridgecrest. The total cost was XXXX. Since the date of purchase, I have experienced ongoing mechanical problems and misleading practices that have caused me financial harm and stress. 

Within days of receiving the vehicle, it began showing signs of mechanical failure. The clutch malfunctioned, and the car became undriveable soon after. Since then, it has spent weeks in and out of auto shops, with no clear resolution. Despite XXXX guarantee of a 150-point inspection, the vehicle arrived with pre-existing issues that should have been disclosed or repaired. 

Additionally, XXXX made several promises during the sales process that were not fulfilled : I was told I would receive a referral bonus, which was never issued. 

I was promised a free maintenance or service package, which I never received. 

I was misled into believing the vehicle was in excellent mechanical condition, yet it broke down soon after purchase. 

I have contacted XXXX customer service repeatedly to resolve the issue. I requested a return or repair under their advertised policy, but was either ignored, redirected, or given vague responses. This has left me with a car I can not reliably use, while still being financially responsible for a loan I can not afford on a defective vehicle. 

I am seeking a full resolution, including potential refund or loan forgiveness, due to XXXX failure to deliver a functioning product and their ongoing lack of support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MA

Complaint narrative:
I, XXXX XXXX, request the method of verification under 15 U.S.C. 1681i ( 7 ) for all listed disputes. These include inaccurate addresses, unauthorized inquiries, and unverifiable accounts from entities such as XXXX XXXX XXXX XXXX XXXX XXXX. Per FCRA and FDCPA laws, if these items can not be fully verified with supporting documentation and proper procedures, they must be deleted immediately. Please send verification details within 15 days or remove the items from my credit report.

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 2025-06-11 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: FL

Complaint narrative:
My information was obtained fraudulent all personal information was stolen was was compromised of the integrity of who I am was used to open fraudulent accounts As well as online fraudulent accounts I was also affected by the Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally address the fact that I have not received a response from TransUnion concerning the debt validations, which had a deadline of XX/XX/scrub>XXXX XXXX XXXX, and today is XXXX XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ), YOU ARE REQUIRED TO INVESTIGATE AND RESPOND TO MY DISPUTE WITHIN 30 DAYS. However, the response period has passed. I have not received any communication on the resolution from my end. I have also has enclosed a copy of the Data Breach from a XXXX XXXX XXXX XXXX. It should be a no-brainer, but TransUnion is the only bureau to give you such a hard time because they are not doing their job. TransUnion is conducting a sham investigation. They should be investigated and sued as well. This will be my last communication with TransUnion before I take legal action. I have a correspondence with them and copies.

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 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I was charged late fees as well as interested at this point. I scheduled a payment on the due date they claim they didn't get it. I did not owe the minimum payment amount so I paid the balance due amount I owed. They gave me another fee and said I had to pay more than I owed I told them to close the account, they didn't so they gave me another fee and interest too. All they do is rip people off! This company is horrific! XXXX XXXX, Bread Financial Contact me if you want details and screen shots. This has happened over the last 3 months. I've spent hours trying to work with them talk to them and they say they're going to do something and then they don't.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A debt from XXXX XXXX XXXX XX/XX/year> that was sold without my permission and consent or contractual obligation to a third party the debt was more than XXXX XXXX  in the amount of XXXX I never received a 1099c for abandonment and cancellation of this debt for my tax purposes

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 2025-06-11 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: FL

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was supposed to go on a trip to XXXX via a company name XXXX XXXX XXXX on XXXX. The payments started last year in order for us to be fully paid by the time the trip was scheduled to leave. On XX/XX/XXXX, the CEO of the company passed away in a car accident. Her affairs were unfortunately left in shambles, because there was no official heir to her company and the family was grieving. After being notified that the trip was cancelled, I called and started the dispute process on XX/XX/XXXX to Capitol 1 credit card company and bank. I was given a temporary credit for all charges while the investigation occurred. On XX/XX/XXXX, I received 2 email notices about 2 separate charges of XXXX made on XX/XX/XXXX and XX/XX/XXXX. I was informed the cases were closed due to not receiving any paperwork, when I forwarded all documentation the day, I started the disputes ( XX/XX/XXXX ). I called the same day, and a rep sent me a portal to upload docs, which I completed. On XX/XX/XXXX I received XXXX letters on XX/XX/XXXX informing me that the charge made on XX/XX/XXXX would receive a temporary credit ( again ), however the XX/XX/XXXX was denied due to it exceeding the 60-day rule of disputing charges. This baffled me, because I'm being credited for the older 1 and not the later one. I called the transaction support line on XX/XX/XXXX and was told that the rule stood and there was no escalation process or appeal. This is a very trying time and this is truly an extenuating circumstance. There was no way to no there would be a death, therefore I couldn't notify them in that timeframe. It appears they were just looking for ways to deny them. I'm just looking to have the charges reversed, so I can put this behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent a letter to Bureaus regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over 30 days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX. I was scammed out of {$400.00} through Chime by someone posing as an SBA loan agent on XXXX. They claimed they could get me approved for a loan if I sent a {$400.00} fee. I was manipulated into sending the money, then they blocked me and disappeared. 
I contacted Chime to dispute the transaction as fraud, but they have denied me twice. 
This is a clear case of financial fraud and misrepresentation. I am requesting assistance in recovering my funds. I have evidence, screenshots, and a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ 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 2025-06-11 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: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect Personal XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX XXXXXXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Let me be unequivocalthis complaint is not a misunderstanding. My credit report contains serious inaccuracies that clearly violate the standard of maximum possible accuracy. These errors are causing ongoing and substantial harm to my personal and financial well-being. I demand immediate re-investigation and full correction or removal of all inaccurate information. Timely resolution is not optionalit is absolutely imperative.

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 2025-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My mother sent me XXXX dollars to buy and title /tag a car. I withdrew XXXX and my card would not work i called customer service and card worked then tried to use again and was locked again. I had to do this 4 tines in the same day to use my card. That same XXXX my whole account was frozen for suspicious activity even after I submitted a Pic of me holding my driver 's license to an account specialist. It has now been 3 days I can not title my car have any money to get to work have no access to funds and get no answer from XXXX. This all happened on XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/scrub>XXXX Balance : {$00.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MARINER FINANCE, LLC
State: PA

Complaint narrative:
Mariner Finance is double reporting a loan on all of my credit reports. This is showing up as TWO negative accounts to cause double the impact. 
One shows as : Account Name : Mariner Finance Account Type : Secured Loan Date Opened : XX/XX/XXXXXXXX  Status : Paid, Closed. 
Status Updated : XX/XX/XXXXXXXX  Original Balance : {$3900.00} Late payments reported XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX The other shows as : Mariner Finance Account Type : Secured Loan Date Opened : XX/XX/XXXX Status : Account charged off. {$4200.00} written off. {$7100.00} past due as of XX/XX/XXXXXXXX  Status Updated : XXXX XXXX Balance : {$7100.00} Balance Updated : XXXX Late payments reported XX/XX/XXXX, XX/XX/XXXX, then reported as CO ( Charge Off ) every month since XX/XX/XXXX. 

Since they have been reporting incorrectly for YEARS and doing double damage for YEARS I would like both collections completely removed from my credit reports.

Company response to consumer: Closed with explanation