vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: CT

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
Subject : {$3500.00} Zelle Fraud No Consumer Protections and Irresponsible Handling of Scam Activity Details of the issue : On XX/XX/year>, my XXXX husband was the victim of a scam in which a fraudster manipulated him into sending {$3500.00} via Zelle. The transaction was initiated under false pretenses, and despite the fact the app has never been used before, the funds were transferred instantly and irreversibly. He realized it was a scam shortly after and immediately went into a XXXX XXXX branch our bank to report the incident. 

Despite reporting it in person within hours, the bank and Zelle system offered no ability to stop, reverse, or even flag the transaction. There were no security measures to verify such a large, unusual, and first-time Zelle transfer from this account. In fact, this was the first time Zelle had ever been used on the account. 

There was : No warning, No multi-factor confirmation, No fraud alert, And no ability to delay or cancel the transaction. 

XXXX platform enabled this scam without any meaningful protections in place, despite the widespread public knowledge that Zelle is being used regularly for fraud. This is a serious failure of both technology design and consumer protection standards. 

Zelle, as a platform, has advertised its service as safe and secure, but has shown no accountability or effort to protect consumers from well-documented and growing scam tactics. 

Impact : This loss has placed an enormous financial strain on our household. It has delayed our ability to pay our mortgage and other essential bills, placing our credit score and financial health at risk. The damage goes far beyond the stolen {$3500.00} its affecting our long-term stability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
* * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, IN XXXX [ Date ] * * Source Receivables Management * * XXXX XXXX XXXX XXXX, NC XXXX * * Subject : Formal Dispute and Request for Debt Validation & Removal ( FDCPA 809, FCRA 623 ) * * To Whom It May Concern, I am writing to formally dispute the validity of the alleged debt your company is reporting under my name ( Account # _______, if known ). Under the * * Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) * * and the * * Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) * *, I request the following : # # # * * 1. Debt Validation ( 15 U.S.C. 1692g FDCPA ) * * Pursuant to * * FDCPA 809 * *, you are required to provide written validation of this debt, including : - The name and address of the original creditor. 
- A copy of the signed agreement or contract proving I owe this debt. 
- An itemized breakdown of the amount claimed ( principal, interest, fees ). 
- Proof that your company is legally authorized to collect this debt. 

# # # * * 2. Removal from Credit Reports ( 15 U.S.C. 1681s-2 FCRA ) * * If you can not provide proper validation within * * 30 days * *, you must : - Cease all collection activities ( * * 15 U.S.C. 1692c * * ). 
- Request deletion of this account from all * * XXXX XXXX  credit bureaus * * ( XXXX, XXXX, XXXX  ) under * * FCRA 623 ( a ) ( 1 ) ( A ) * *.

# # # * * 3. Prohibition of Misrepresentation ( 15 U.S.C. 1692e FDCPA ) * * If this debt is inaccurate, outdated, or unverifiable, continuing to report it violates : - * * FDCPA 1692e ( 2 ) ( A ) * * ( False representation of debt ). 
- * * FCRA 1681c * * ( Reporting of obsolete information ). 

This is * * not * * an acknowledgment of liability. Failure to comply with these federal laws may result in legal action, including a complaint to the * * Consumer Financial Protection Bureau ( CFPB ) * * and the * * Federal Trade Commission ( FTC ) * *. 

* * Sincerely, * * * * XXXX XXXX * * ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: The LGM Co., Inc.
State: OH

Complaint narrative:
In XX/XX/XXXX, I purchased a XXXX XXXX XXXX from a dealership and was financed through [ insert lender name, if known ]. My credit score at the time was approximately XXXX, and I put {$1000.00} down. 
The total amount financed was {$30000.00}, with an APR of 16 %, and I was given a 72-month term with a monthly payment of {$670.00}. Over the life of the loan, Im being forced to repay a total of {$48000.00}, including a staggering {$17000.00} in finance charges.

At the time of purchase, I was not fully informed of the total repayment amount, and I now realize the vehicle was grossly overvalued. Based on XXXX XXXX XXXX and XXXX estimates, this vehicles market value was approximately {$17000.00} {$20000.00} in fair retail condition at the time far less than what I was charged. 
Additionally, I suspect the dealer packed my loan with unnecessary add-ons and failed to clearly disclose or explain the full cost breakdown, including finance charges and optional coverages. I was rushed into signing the contract without being given time to review or question the terms.

I believe this financing arrangement constitutes predatory lending, including : Excessive interest and inflated vehicle pricing Taking advantage of my low credit score A loan structure designed to keep me underwater on the vehicle A lack of clear, honest disclosure This has placed an undue financial burden on me and created a debt cycle that I now feel trapped in. I am requesting that the CFPB investigate this matter and the dealership/lender involved, and provide oversight for possible : Predatory lending Misrepresentation or fraud Violations of the Truth in Lending Act or other consumer protection statutes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: 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 2025-07-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: VA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-03 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: IL

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

1681c-2 ) that you, the Equifax Information Services , 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 IL XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX XXXX  Date : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX complaint refers to the complaint with XXXX. 
on XX/XX/XXXX XXXX answered the consumer complaint saying they are not responsible party. 
XXXX approved the account be removed from the Credit report on XX/XX/XXXX. 
It was removed from my report, but it somehow was added back to the report. 
XXXX is the original creditor. The account needs to be removed again from my report since XXXX agreed to it back in XXXX of XXXX, saying the account was too old to be on my report and that it was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I wish to reaffirm that this complaint is legitimate. My credit report contains inaccuracies that do not meet the standard of maximum possible accuracy, and these discrepancies are causing significant harm to my personal and financial well-being.

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 2025-07-03 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
I make payments through my bank online well before the due date, always in full. My bank delivers the check to the credit card company on the day it is due. The credit card company posts the day after it is due claiming they did not get it when the bank said they did. Either way the date of the check is on or before the due date. I as a consumer have done everything I could to ensure this company receives their payment on time. I am furious because they will not credit my account for a late fee that they have no right to create. To my they are defrauding consumers. The date of the bank check should be the date they use, not the date the credit card company posts. Whether it is an electronic payment or a paper check, the date on the bank check sent by the bank should be the date they honor. The credit card company is Capital One for BJ 's and Kohl 's. They are both scamming consumers and it has to stop.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
I am a victim on identity theft. Someone has stolen my identity and opened these fraudulent accounts. Ive never gave anyone my person information, and ive never gave anyone permission or authorization to open these accounts

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 2025-07-03 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: NC

Complaint narrative:
I am a victim on identity theft. Someone has stolen my identity and opened these fraudulent accounts. Ive never gave anyone my person information, and ive never gave anyone permission or authorization to open these accounts

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 2025-07-03 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CITIBANK, N.A.
State: UT

Complaint narrative:
Made a reservation for a hotel that was paid through XXXX and the hotel charged my card when I arrived. 
I disputed the excess charge online through the Citi website. However it is still showing up on my account as due. 
There is a message when I sign in to upload documentation which I tried to do 3 times and get an error message every time. 
I have reached out to Citi through the support option online and got an automated response as well as the text support which provides an automated response and no actual help. 
There is a message section on the Citi website but you can not simply open and read the messages you have to download them and I don't have a device to do that so I have no way to use those. 
I can not physically speak due to a medical issue so I have no way to make a phone call to call them. This is not the first time Citi refused to investigate an incorrect charge on my account. This is their way of stealing from folks who they know have little recourse to dispute such charges.

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 2025-07-03 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: RI

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-07-03 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:
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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NH

Complaint narrative:
Portfolio Recovery Associates is inaccurately reporting a collection account on my credit report. The tradeline shows a Date Opened of XX/XX/XXXX, but the original account dates back to at least XXXX. This appears to be a misleading re-aging of the debt, extending how long it will negatively affect my credit. 

Additionally, I requested full validation and identification of the original creditor, and PRA has failed to provide this. They are reporting the debt as active and due in full, despite not validating the amount, ownership chain, or correcting the inaccurate reporting date. I disputed the tradeline, yet they continued to report the debt without resolution, in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I am permanently XXXX and submitted an XXXX communication request on XX/XX/XXXX, asking that all communications be conducted by email. PRA ignored this request and never responded at all. 

I am requesting that this account be deleted from all credit reporting agencies immediately and that all further communication be done by email only. PRAs failure to respond to a documented dispute and XXXX request is unacceptable and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

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 2025-07-03 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: FL

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

1681c-2 ) that you, the Experian XXXX XXXX XXXX XXXX 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. 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 XXXX  ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} INQUIRIES : 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 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