vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am filing a complaint regarding an unauthorized charge on my XXXX XXXX Account, managed by Comenity Bank. A XXXX subscription was charged to my XXXX account without my authorization. 

I had attempted to cancel the subscription through XXXX 's website but was not given any way to do so. Instead, I removed my payment method to prevent future charges. Despite this, the charge was added directly to my XXXX credit account without my consent or notification. 

When I contacted customer service, they refused to cancel or reverse the charge. They claimed they had no control over it and that I had to pay. I informed them that I never authorized the charge, did not owe the money, and requested that the account be closed. 

Since then, I have been receiving multiple collection calls daily, which I consider harassment. I am being pursued for a debt that I did not authorize and have been given no resolution. 

I am requesting that this unauthorized charge be removed, that all collection activity stop immediately, and that the account be closed with no negative impact on my credit report. 

Also, I want it noted that I no longer have access to my account, they are redirecting me to a website I do not trust.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint against the credit reporting agencies TransUnion, Experian, and Equifax for failing to ensure the maximum possible accuracy of the information they report on my credit file, as required under the Fair Credit Reporting Act ( FCRA ), Section 607 ( b ). 

I recently disputed several derogatory accounts on my credit report and requested verification. Despite my request, some of the accounts came back as " verified, '' yet they still reflect incorrect, incomplete, or inconsistent information across the XXXX credit bureaus. 

XXXX ( Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) Account number XXXX Inconsistencies reported Date opened XX/XX/year> vs XX/XX/year> I believe the credit reporting agencies have failed to conduct a proper reinvestigation and are continuing to report inaccurate and misleading information. Under the FCRA, information must be complete and verifiable, and the current reporting fails that standard. 



Provide documentation of the verification method used. 

Ensure all reported accounts meet the standard of maximum possible accuracy. 

The continued reporting of unverifiable or conflicting data is damaging my creditworthiness and causing harm. 

Additional Information : I have retained documentation/screenshots showing the discrepancies. 

Disputes were submitted through the appropriate channels and responses were inadequate. 

These actions violate my rights under the FCRA.

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 2025-07-26 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:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Consumer Financial Protection Bureau [ Via : XXXX : XXXX ] From : [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Date : XX/XX/year> Subject : TransUnion Violations Withholding Report, Fraudulent Furnishing, & Reporting Time-Barred Debt Dear CFPB, I am filing this complaint against TransUnion, LLC for multiple serious violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and CFPB regulations. These violations are harming my financial life and are illegal under both federal and New York State law.

( ISSUE # 1 ) Illegal Refusal to Provide My Credit Report Despite multiple requests, TransUnion has refused to provide me with a copy of my credit report, which I am entitled to under federal law. This is a direct violation of : * 15 U.S.C. 1681g ( a ) Failure to provide full disclosure of my file * 12 CFR 1022.137 CFPB rules requiring free annual disclosure * FCRA 612 Denial of access to credit report upon request * CFPB UDAAP rules Unfairly withholding data from consumers ( ISSUE # 2 ) Furnishing Fraudulent & Unauthorized Account Information TransUnion is also reporting unauthorized and fraudulent accounts on my report, including items : * That do not belong to me * That I did not authorize * That appear to result from identity theft or data compromise This violates : * FCRA 1681e ( b ) Failure to ensure maximum possible accuracy * FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing inaccurate information knowingly * FCRA 1681s-2 ( b ) Failure to correct or delete unverifiable info * CFPB Regulation V Failure to respond to disputes properly * CFPB UDAAP standards Deceptive and abusive reporting practices ( ISSUE # 3 ) Reporting Accounts Past the Statute of Limitations ( New York State ) TransUnion is reporting debts and accounts that are beyond the New York State statute of limitations , which is typically 6 years for most debts ( NY CPLR 213 ).

This is unlawful because : * The accounts are no longer legally collectible * Continued reporting misleads lenders and causes me direct harm * It violates 15 U.S.C. 1681c ( a ) ( 4 ) and ( 5 ) Prohibiting obsolete information * It violates New York General Business Law 380-j ( f ) ( 1 ) Prohibiting time-barred debt reporting * It constitutes willful and negligent noncompliance under FCRA 1681n and 1681o Violations Summary : Federal Laws Violated : * FCRA 1681e ( b ), 1681g ( a ), 1681s-2 ( a ), 1681s-2 ( b ), 1681c ( a ), 1681n, 1681o * CFPB Regulation V ( 12 CFR Part 1022 ) * CFPB UDAAP Rule ( 12 U.S.C. 5531, 5536 ) State Laws Violated ( New York ) : * NY GBL 380-j ( f ) ( 1 ) Time-barred debt * NY CPLR 213 6-year statute of limitations * NY Privacy & Identity Theft Statutes

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
In my initial dispute submitted, I exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i, by requesting the investigation and proper verification of the accounts listed above. You were also required to provide me with the name and contact information of the furnisher of this information as part of the reinvestigation process.

However, despite the time allowed for you to investigate and respond ( 30 days from receipt of my original dispute ), you failed to provide me with actual documentation or lawful proof that verifies the accuracy and reporting of these accounts. Stating that an account is " verified '' without furnishing proper evidence is not sufficient under the law. I have disputed this account multiple times but TransUnion continues to report it as verified without providing any supporting documentation or proper method of verification, in violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( a ) ( 7 ). 
Both XXXX XXXX XXXX have deleted this account due to failure to verify its accuracy. TransUnions continued reporting without sufficient reinvestigation or evidence constitutes willful non-compliance with FCRA Sections 611 and 623.

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 2025-07-26 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this formal complaint to Equifax concerning inaccurate information on my credit file that has not been properly validated, confirmed for accuracy, or physically verified. 

Upon reviewing my credit report, I identified questionable and potentially incorrect entries that appear to lack proper verification. As a consumer, I have the right to request the prompt removal of such items under both federal and state consumer protection laws. This complaint also serves as a reminder of your obligation to comply with FACTA Title I, Section 151, which outlines the appropriate procedures for handling consumer data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint because there are multiple unauthorized hard inquiries listed on my Experian credit report that I did not approve, initiate, or consent to. These inquiries are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 I never applied for any credit, loan, or service with any of these institutions. I did not provide any written or verbal authorization for these companies to access my credit report. I only discovered these inquiries after reviewing my credit report, and they are deeply concerning.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, a credit report can only be accessed by a third party if there is a permissible purpose and that purpose must originate from the consumer. None of these inquiries were authorized by me, and none of these companies have a legitimate reason to access my file. These hard inquiries have negatively impacted my credit score and have caused significant emotional distress. I now feel that my personal information is vulnerable and possibly being misused. 

When I contacted Experian to dispute these inquiries, I requested that they verify the legitimacy of each one by providing signed applications or documented proof that I initiated the credit transaction. However, they have failed to remove the inquiries or give me clear answers. 

I am requesting that the Consumer Financial Protection Bureau assist me in holding Experian accountable for allowing these unauthorized inquiries to remain on my report. If the companies listed above can not provide documented proof that I initiated or authorized these inquiries, they should be permanently deleted from my credit file. 

This is not just a matter of technical error this affects my financial credibility and causes me serious concern about the security of my identity. I want to ensure that my credit report remains accurate, private, and protected under the law.

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 2025-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Revco Management, LLC
State: CA

Complaint narrative:
I have no knowledge of this service I havent added service under my name and dont know anything about it I was a victim of identity fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: DC

Complaint narrative:
I have raised concerns and challenged all entries on my credit report with the three credit bureaus. However, XXXX  has not conducted a thorough investigation or supplied me with the needed information. Moreover, they persist in reinstating these entries, negatively affecting my credit score.

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 2025-07-26 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: EQUIFAX, INC.
State: DC

Complaint narrative:
I have raised concerns and challenged all entries on my credit report with the three credit bureaus. However, XXXX  has not conducted a thorough investigation or supplied me with the needed information. Moreover, they persist in reinstating these entries, negatively affecting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: CA

Complaint narrative:
b"This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.  1681c-2) that Equifax 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 several unauthorized personal addresses as well as hard inquiries from the following companies listed belowXXXX 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 XXXXI've attached a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned inquiries nor addresses as reported. The listed inquiries appearing on my consumer credit report maintained by you were not made, or initiated by me. All of the aforementioned inquiries and addresses are the result of identity theft and fraud. I have attached a copy of my FTC Identity Theft Criminal Complaint #(XXXX) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit inquiries and listed addresses are the result of identity theft and fraud."

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
In XX/XX/XXXX, Portfolio Recovery Associates accessed my credit reports on XXXX separate occasions without my authorization or a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/XXXX, they pulled my XXXX  credit file. 

On XX/XX/XXXX, they pulled my XXXX credit file. 

These pulls were related to a charged-off XXXX XXXX account that is past the statute of limitations for collection in my state. I received a letter from Portfolio Recovery about this account in XXXX but did not respond to avoid re-aging a time-barred debt. The account is not listed on my XXXX or XXXX reports and has been inactive since XXXX. 

I recently called Portfolio Recovery to ask why they accessed my credit without permission. They claimed they did not need my authorization because they own the account. I asked for proof of ownership beyond a generic dunning letter and specifically requested legal documentation or a purchase agreement showing how much they paid for the account. They refused to provide anything other than an old XXXX XXXX statement. 

Because they failed to validate ownership and the account is legally uncollectible, I consider both credit inquiries unauthorized and unlawful under the FCRA. I have the phone call recorded and intend to pursue this matter in court. 

This complaint is being filed to document my good faith efforts to resolve the issue prior to initiating legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint because my Cash App account was closed and flagged for alleged gambling activity, which is completely false. I have never used Cash App for gambling or for any activity that violates the Terms of Service.

Approximately 98 % of my account activity involves personal transfers between me and my long-term girlfriend. The city we live in doesn't have our bank and the nearest one is over an hour away, so we rely on Cash App to handle routine payments like rent, groceries, gas, and other shared expenses.

The only recent transaction that may have appeared different involved my brother. I work at a XXXX XXXX and purchased a large quantity of material to help him build a shop. He attempted to send me {$500.00} through Cash App as reimbursement, clearly labeled building material costs. However, the transaction failed, and I never received the funds. My account was flagged and shut down immediately afterward. 

To be clear : the flagged payment never even completed, and no money was received. My brother ultimately had to drive over an hour to bring me the payment in person. Despite this, my account was closed without any real explanation.

I contacted Cash App support and was given a generic, copy-pasted response stating my account violated their Terms of Service, referencing gambling activity and linking to their TOS. I was told nothing specific. That same message was the only explanation I ever received even before opening a support ticket. 

I called Cash App directly to get more information and was told that they could not legally disclose anything further. Ive already requested escalation and received the exact same automated reply. No details. No appeal process. No accountability. 

I am asking for a full and fair review of my account. There is no gambling or illegal activity in my history. I work hard for my money, and being cut off from it without evidence, context, or due process is both unfair and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: LA

Complaint narrative:
I made a payment on CashApp. I accidently sent the money to the wrong individual. I have tried to them to help in getting my refund back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On or around XX/XX/year>, I was alerted that a previously closed and deleted collection account from XXXX XXXX XXXX was illegally reinserted into my credit file without proper notice, in violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) of the Fair Credit Reporting Act ( FCRA ).

The same occurred with a second account reported by LVNV These accounts had previously been deleted after dispute, and their unauthorized reappearance caused a significant drop in my credit score ( over XXXX points ), leading to emotional distress and potential credit denials. 

I never received any notice within the required XXXX business days of reinsertion from the credit bureaus or the furnishers. This is a clear violation of the FCRA, and demonstrates a pattern of negligence and reckless disregard for my consumer rights. 
Please be advised that I am preserving all legal rights and remedies available to me under federal and state law, including but not limited to the filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), the Office of the Attorney General, and pursuit of a civil claim or arbitration for damages. 

Should you fail to remove these inaccurate entries within XXXX calendar days, I will initiate legal action without further notice. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX All Rights Reserved. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: IL

Complaint narrative:
I am requesting your help in opening an investigation into the accounts listed, as they appear to be inaccurately reported on my credit report. Pursuant to USC 1681g, I am seeking their removal within 15 days. Enclosed are all relevant documents to support my claim. Its also important to note that the details reported for these accounts vary significantly across the major credit bureaus and are not accurate.

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