vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-07-06 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: IL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I thought I closed my bank of america credit card just before r after moving into my new home. I recently received a delinquency notice from my credit reporting agency and immediately called bank of America credit card department. In XXXX I had an annual recurring fee on my account of {$190.00}. After XXXX credit cycles, I received a message from credit monitoring. I immediately called bank of America to find what happened. There was no attempt by Bank of America to call or email me about late notices. I paid off the balance on XX/XX/XXXX with all XXXX late fees since Bank of America would not refund any. Had i been notified of a balance from bank of america, I would have paid it off sooner and avoid a negative impact on my credit report. My contact information stayed the same, except I moved in XXXX of 2023. Typically banks reach out to their clients about missed payments via phone call or email of which I had none. I am hoping that my credit, which was negatively affected, will be fixed. I do feel Bank of America is responsible, at least in part, because of no follow up with me to fix the problem. I've had the card for XXXX years and would think an attempt to reach out to me would have been made and avoid this.

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of XXXX XXXX my personal information has been used to apply for a card. I found XXXX  inquiries on my credit report.Please dispute and remove listed XXXX inquiries from my credit report XXXX XXXX XXXX XXXX XXXX ) XX/XX/year> 2025

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I talk to the company they saw that it was a mistake that they made and it wasnt my fault and I never missed a payment so they agreed to remove but it still on my credit report I need it removed XXXX XXXXast reported XX/XX/year> {$0.00} Reported balance Credit limit {$120.00}

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 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : CXXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened 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 explanation
Consumer complaint received 2025-07-05 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: MI

Complaint narrative:
In XX/XX/year>, I applied for financing through Alphaeon Credit ( Comenity Bank ) to cover a cataract surgery that was scheduled for XX/XX/year>, at XXXX XXXX XXXX. However, I canceled the procedure by phone on or around XX/XX/year>, nearly a full month before the scheduled date. I informed the provider that I no longer wished to proceed and requested that any funds be returned to the lender. 

Despite this, Comenity/Alphaeon began billing me in XXXX for a procedure that had never taken place. At no point did I receive funds directly the money had been paid to the provider. I began receiving statements from Comenity demanding payment, at one point for {$1900.00}, then {$130.00}, and later {$79.00} ( as of XX/XX/year> ). These balances were never clearly itemized and only state that as of XX/XX/year> that the monthly payment is {$70.00} and the account bears a {$9.00} past due balance. 

On XX/XX/year>, XXXX XXXX XXXX returned the full {$1900.00} principal to Comenity Bank nearly a month after they had been requested to. This is confirmed in documentation sent by XXXX following my initial dispute. However, Comenity still insists I owe a remaining balance for late fees and other charges, even though the procedure never occurred, and the funds were returned through no action of my own. Their logic is unclear and has never been justified. 

Since XXXX, I have received nearly XXXX phone calls, including frequent robocalls and blocked/no-caller ID numbers sometimes up to four calls in a row. This has caused significant stress. I am XXXX XXXX XXXX, turning XXXX in a few days, and have a preexisting heart condition. The constant harassment has caused emotional distress and impacted my health severely.

To date, this unjust debt has resulted in negative credit reporting to XXXX dropping my score significantly despite my having disputed the charges multiple times. I have provided and offered to provide documentation showing the cancellation, refund, and lack of services rendered to Comenity through XXXX Comenity has since reduced the amount owed but continues to report late payments and refuses to fully resolve the account.

This conduct appears to be unjustified debt collection, possibly unlawful under the Fair Debt Collection Practices Act and other protections involving elderly consumers. I am requesting immediate removal of this account from my credit report and a full closure of the alleged debt, which I maintain should never have existed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-06 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
I am a victim of identity theft and multiple fraudulent accounts have been reported on my credit reports with XXXX XXXX XXXX XXXX. These accounts were opened without my knowledge or consent. 

I have already submitted formal disputes to each credit bureau and have requested debt validation from the companies, but these items continue to appear on my reports. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which protects victims of identity theft. 

The companies involved include : 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  ) I am requesting the CFPB to investigate and ensure these accounts are removed from my credit reports. These debts are not mine. I am attaching supporting documents including my ID and letters submitted to the credit bureaus. 

Please help enforce my rights under federal law and assist in getting these accounts permanently removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/year>, I made a single online purchase from XXXX for XXXX XXXX tickets, totaling {$1700.00}. XXXX charged each ticket as a separate transaction ( XXXX {$430.00} and XXXX {$450.00} ), which have already posted to my credit card. In addition, XXXX also placed a pending authorization for the full {$1700.00}, effectively duplicating the amount charged to my credit line. 

This has pushed my XXXX over its {$2500.00} limit even though the actual purchase only totals {$1700.00}. I called XXXX XXXX support and spoke with a supervisor, who confirmed the duplicate hold is standard and said they are unable to remove or expedite the release of the pending charge, even though the actual charges have posted. 

As a result, I am temporarily locked out of using my credit card due to a system error that is not my fault. This is causing a disruption in access to credit and is an unfair billing practice. 

I am requesting that Target or TD Bank ( the XXXX issuer ) remove the redundant pending hold or otherwise restore access to my available credit immediately, as the full amount has already posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: CA

Complaint narrative:
My loan service company switched me from navient to mohela. XXXX have been electronically withdrawing my student loan payment for many years on time. They failed to give my bank information to mohela as a new servicing company. I was not aware of the change. As a result mohela reported that I was XXXX days late on my payments. I found out about this ordeal when my credit score went down by over XXXX points. I found out about Mohela from my credit report. When I contacted them they asked my for my bank information which I provided and they started taking my payments. I have asked them to remove the negative reporting to all my credit reporting agencies because I was not at fault. 

They moved me without my consent. They never sent me any notification nor called me. 
I am a XXXX of bad reporting and bad business practice on their behalf. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: MD

Complaint narrative:
Recently I looked at a copyof my credit reportand notices several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had both checking and savings account about {$6300.00} with Citibank. 
On XXXX XX/XX/year>, I closed them over the phone because I am living outside of US and no longer using those. 

Citibank confirmed that both accounts have been closed but said that no funds available and can not send a check to my address that they have in the system. 

I made multiple phone calls, asking to send me a check but they only sent me the check with the amount {$0.00} only. 

I have given them following information but they said no funds available. 
- Social Security Number - My account number - My mother 's maiden name

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 2025-07-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: MI

Complaint narrative:
On XX/XX/XXXX I requested debt validation from Exeter Financial no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To : BANK OF AMERICA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX Subject : Formal Dispute of Charge-Off Request for Investigation and Deletion Under 15 U.S. Code 1681c ( c ) ( 2 ) Dear BANK OF AMERICA I am writing to formally dispute the accuracy and continued reporting of a charge-off account that appears on my credit report. The account in question is listed as follows : Creditor Name : BANK OF AMERICA Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Date of Last Activity or First Delinquency : XX/XX/XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c ( c ) ( 2 ), any item of adverse information that has been resolved, paid, settled, or is beyond the seven-year reporting period must be deleted if a written request is made by the consumer. I am exercising that right under federal law. 

15 U.S. Code 1681c ( c ) ( 2 ) states : A consumer reporting agency shall not furnish a consumer report that contains any item of information about a consumer after the expiration of the period described in subsection ( a ) [ typically 7 years ], except as authorized under subsection ( b ). 
I am formally requesting that you : Conduct a reinvestigation of this charge-off account as required by 15 U.S. Code 1681i ( a ).

Verify the accuracy, completeness, and legality of the reporting of this account. 
Delete the charge-off account if it is unverifiable, incomplete, or beyond the statutory reporting period. 
Send me written confirmation of your findings and the outcome of your investigation within 30 days as required by law. If this account can not be fully verified and updated in compliance with all federal regulations, it must be deleted from my credit report. 

This letter is sent in good faith in accordance with my rights under the Fair Credit Reporting Act. Please consider this my formal dispute and request for deletion under federal law. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Target XXXX XXXX Credit Card DETAILS ACTIVITY Biller activity View all {$850.00} Processed XX/XX/XXXX {$200.00} Processed XX/XX/XXXX {$200.00} Processed XX/XX/XXXX {$330.00} Processed XXXX XXXX {$50.00} Processed XX/XX/XXXX {$220.00} Processed XX/XX/XXXX These are the payments for this card that were cleared by my bank. My credit report shows I am 90 days late but they cashed the payment checks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 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: FL

Complaint narrative:
XXXX XXXX requested to have inaccurate information removed from my credit report from experian, transunion , equifax . 

XXXX XXXX requested to have collections removed for incorrect information on my credit reports from equifax , experian, transunion XX/XX/year> requested names that are not me to be removed from my credit report on experian

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 2025-07-05 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: GA

Complaint narrative:
My information was involved in a XXXX data breach and these are the accounts that were affected.

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 2025-07-05 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: OR

Complaint narrative:
On or around the XXXX of XXXX I was transferring money from my cashapp to my chime account and the first transaction went through well in about a half hour I tried to do it again and a window popped up asking me for a code that was sent to my number and there was no code sent to my phone so I tried resending code and nothing again so upon XXXX time trying to get the code sent another window popped up telling me to call cashapp so I did and it was after hours so I had to wait so first thing in the morning cashapp closed my account on me without asking or letting me explain what had happened ive used cashapp for XXXX  years now and never done anything illegal or different its my main app to use for receiving and sending cash and so have it as my payment hub for XXXX  XXXX. The only thing ive done different was moving cash from my cashapp to my chime and not being able to put In that code which would not send to my phone.i have read over all terms of services and I am not in any way in violation of said terms and they will not tell me why they think I am or what was the violation of terms that was committed on my part I have now lost over {$2000.00} from XXXX of my payers because it was sent to cashapp and now is gone I feel I have been wrongfully terminated from this platform and would like some clarification on why I was terminated and exactly how I was in violation of my terms when it was their own program dysfunction that I believe is at fault for my account being closed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: AL

Complaint narrative:
I'm not responsible for this debt with IQ Data International Inc.I do not have a contract with IQ Data International Inc . They did not provide me with the original contract as I requested. I mailed a validation letter requesting verified documents, but I haven't received any documents. I received a call from XXXX in which she was very rude. She hung up the phone abruptly after saying The debt is yours its going to be increased in the most hostle way

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
im not aware of the information being reported on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
This company is charging {$25.00} extra, in my payment statement, but it is not listed any where nor what it is for. If this is a legal charge, why isn't it listed on my statement. The Card company Fortiva XXXX XXXX, doesn't have a company address, payment processing center. XXXX XXXX XXXX XXXX XXXXXXXX Texas. XXXX. And phone number XXXX. Thank you for looking into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
They have been illegally attached to my credit since XXXX. As a charge off the car was totaled in an accident and they put a repossession on my credit then a year later picked up the car from a lot auction XXXX and put as a charge off after that

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One inaccurately reported a late payment for XX/XX/2023 on my credit report. The account was not delinquent, and no valid documentation or prior notice of any balance due was ever provided. Despite my formal dispute, the error remains uncorrected, causing harm to my credit. I am requesting the immediate removal of this false information.

Company response to consumer: Closed with explanation