vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On XX/XX/year> an airport gate agent ran a {$110.00} charge on my Commenity Bank BreadFinancial XXXX credit card, while I was still disputing the charge it and was telling them that I was not willing to pay and had not authorized it. The agent hit the green accept button on her hand-held credit card machine while I was still discussing and inquiring about the size of the amount they were trying to charge me for a piece of luggage that I had already traveled with through the same airport on the same ticket without a problem or charges. I never approved the charge. It was showing in XXXX XXXXXXXX on the machine and I was in the process of asking what the amount would be in USD and I was contemplating repacking rather than make the payment. The gate agent hit the approval button before responding to me and without my consent. I never approved nor did I sign for it. I asked her to annul it because I had not agreed to it, but she refused. 
I have contacted XXXX twice. First time on XX/XX/year> to dispute the charge and request a return of the money charged without my authorization, but they responded only with their luggage policy. I contacted them again on XX/XX/year> regarding this and elaborated further, but they are maintaining their refusal to return the money they charged on my card without my approval ( Inquiry XXXX ) I have also contacted my credit card company, Commenity Bank, that stated they did not consider it a valid dispute. 
Please assist by reversing and removing this unauthorized charge to my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, I received a call from Wells Fargo phone number, XXXX ( XXXX ) XXXX, they tell me that they are concerned about a fraudulent transaction on my XXXX account and wanted to verify. I can not verify, so they say they have to send me over to another department, but first they are going to send me a code I will need. They send me over the code on number, XXXX, that they had previously used to verify with me before. Once at the other department, I am told to send over a XXXX for {$3500.00} in order to cancel out the fraudulent XXXX, which in turn wipes out my bank account to negative balance causing the overdraft balance, which hit my credit card. They send me to their manager and then place me on hold until after 45 minutes it hung up. 

I immediately called back the XXXX ( XXXX ) XXXX. The customer service person from Wells Fargo, informed me I was scammed. He was apparently aware this often happens. He took my information down and told me that in 10 days I would be getting my money back and the XXXX department was closed and I could call tomorrow to check in with the case. He also informed me that Well Fargo would never call me. 

I call back the next morning on XX/XX/XXXX. I was told they had my information and were working on my case and it would take 10 days to get my money back and my overdraft charges would be all corrected. I waited for 10 days and then called on XX/XX/XXXX. 

I spoke with first customer agent on Wells Fargo on XX/XX/XXXX. She let me know that I will not be getting my money back. That I was missed informed and that this happens often. I asked why as a customer for 27 years I was not made aware of this type of fraud and was not told I may not get my {$3500.00} back. She eventually hung up on me after I had requested to speak to her manager. 

I called back and spoke with another customer service rep, to only be taught on how to avoid being scammed. But then he tells me that sometimes Wells Fargo will call me. When I told him that the first customer service person told me Wells Fargo would never call me. So, I told him as a consumer I have no idea what is the truth. How do I know it wasn't someone inside Wells Fargo that did this Scam in the first place. Please help, as I am a single father and being out this money around the holidays has put me in a bad spot.

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 2025-11-03 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: LA

Complaint narrative:
I am disputing the following inquiry on my credit report. It may have been incorrectly recorded or not authorized. I request that this item be reviewed and corrected. If it can not be verified, I ask for its removal from my credit report as per the Fair Credit Reporting Act. 

Inquiries XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-03 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: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
Sofi Closed my account and sent me {$11.00} dollar check in the mail. They still owe me {$19000.00} dollars from after closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: TN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. Code XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. Code XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-03 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-03 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: IL

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section XXXX, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX  XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX BANK SS # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX  # XXXX XX/XX/XXXX -- {$0.00} XXXX XXXX BA # XXXX XXXXXX/XX/XXXX -- {$850.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX AUTO XX/XX/XXXX XXXX.CO XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
Charged-Off Accounts in Dispute XXXX XXXX Credit, Acct XXXX XXXX Reported XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX Bank, Acct XXXX XXXX Reported XX/XX/XXXX, Balance : {$1000.00} XXXX  XXXX, Acct : XXXX Reported XX/XX/XXXX, Balance : {$1400.00} Please verify each accounts accuracy, original creditor ownership, and balance information. Remove any entry that can not be validated. 

Inquiries XXXX XXXX XXXX, XX/XX/XXXX Experian XXXX XXXX, XX/XX/XXXX I do not recall authorizing these inquiries. Please confirm that they were initiated with my consent, or remove them if not properly authorized. 

Late Payments XXXX  XXXX, Acct : XXXX XXXX XXXX Bank XXXX, Acct : XXXX Please verify these payment histories for accuracy or delete the late payment information if unverifiable.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NY

Complaint narrative:
These accounts are paid off, never late wrong addresses and spelling of last name middle or wrong some address is wrong

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 2025-11-03 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: NY

Complaint narrative:
These accounts are paid off, never late wrong addresses and spelling of last name middle or wrong some address is wrong

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 2025-11-03 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
XX/XX/year>. XXXX  send me mail saying I owe them money Annual but I dont recall opening this card I never got a credit card or used it I tried to cancel but they given me runaround so O got it again now its more money I called spoke to agent but they saying u need to pay because they open a case I probable pay all end off it so I should just pay why do I pay yearly Annual I never open the card or got a card I will like to Cansel this XXXX card pls help me to end this thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

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 2025-11-03 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:
After multiple disputes, the bureau is still in violation of FCRA 1681n & 1681o, continuing to report unverifiable information despite clear legal obligations and case law precedents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block 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. 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.

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 2025-11-03 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

XXXX U.S.C XXXX section XXXX A. States I have the right to privacy. 

XXXX U.S.C XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX U.S.C. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-11-03 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: TX

Complaint narrative:
These accounts were not opened by me and appear fraudulent. Please delete them and conduct a thorough review. Evidence is attached.

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 2025-11-03 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: IN

Complaint narrative:
I received my disputing results from TransUnion and they are still reporting inaccurate information on my credit report. They are in violation of 15 U.S Code 1681i ( a ) ( i )- not modifying or deleting inaccurate information nor conducting a reasonable investigation. Here are the account details :. XXXX XXXX XXXX - XXXX - This account is still inaccurate because you are reporting me on-time in XXXX and XXXX, then straight to 60 days late in XXXX which is VERY inaccurate. On another report you have me late 30 days in XXXX, which one is it? I have attached screenshots below. You also report that I was on-time for XXXX and XXXX, but in the payment history section you report I paid {$0.00} for those months, that is contradicting information and ultimately affects the entire balance of this account. Please provide billing statements and ledger account proof that I was actually late. It is my understanding that you must verify this item with the reporting creditor for accuracy. If they are unable to provide proof or lack proof of the late payments being late, please update my payment history to PAANL status ( Paid As Agreed Never Late ) according to consumer protection laws. Please update/modify to Paid As Agreed Never Late.

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 2025-11-03 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: Block, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX I sent my sister money on cash app in the amount of {$1000.00} that was going to be put towards the rent for my apartment. I attached a message to the transaction as a joke that I realize shouldnt have been seen as humorous and is a serious manner and I realize the importance of it. However like I said this transaction was meant to pay rent as you can see in the screenshots that I have attached. Its been a month at the point and I still have not received a refund or any type of communication or help from cashapp in this manner. Ive been calling and messaging cashapp about this but have been getting the runaround for a month about this when refunds are supposed to be issued after 14 days.

Company response to consumer: Closed with explanation