vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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 have personally reviewed my consumer credit report prepared and distributed and I have identified the following fraudulently information. You have failed to meet any of these legal obligations. I request that TransUnion either provide the following within 15 calendar days of receiving this notice :

 1. A valid, original contract with a handwritten signature that authorizes the alleged accounts.

2. A complete chain of title that identifies every entity to whom the alleged debt was assigned or sold.

3. Proof of your permissible purpose to access and report this data under 15 U.S.C. 1681b.

4. All supporting documentation that verifies the legitimacy of the accounts. 

Or, you must immediately delete the following accounts for failure to comply with verification and statutory obligations : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Your refusal to delete these accounts or provide adequate documentation constitutes violations of : 1. 15 U.S.C. 1681n and 1681o Allowing for statutory damages, actual damages, punitive damages, and attorneys fees for willful or negligent noncompliance.

2. 15 U.S.C. 1681c-2 ( a ) Requiring prompt removal of fraudulent data after identity theft has been reported.

3. 15 U.S.C. 1681b Prohibiting consumer report use without a permissible purpose.

4. 15 U.S.C. 1692g ( b ) ( FDCPA ) Prohibiting continued collection or reporting of a disputed debt without verification.

5. 18 U.S.C. 1028 Criminalizing unauthorized use of anothers identity.

6. 12 U.S.C. 5531 & 5536 ( CFPA ) Prohibiting deceptive and abusive practices.

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 2025-09-12 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: MA

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: ZuntaFi Corp
State: NC

Complaint narrative:
Would like further Clarification on Previous case, XXXX The companys response is inadequate and does not resolve my complaint. My issue is not with the mechanics of the interest rate disclosures, but with the misrepresentation of this loan as an education loan or private student loan. 

In its own response to the CFPB, ZuntaFi described this as an education loan for expenses at XXXX XXXX XXXX. However, because XXXX XXXX XXXX is not an accredited institution, the loan can not legally qualify as an education loan under the Truth in Lending Act ( TILA ) or the Higher Education Act ( HEA ). This contradiction is at the XXXX of my complaint : ZuntaFi can not claim the benefits of labeling the product a student loan while denying me the protections and refinancing opportunities that come with legitimate student loans. 

The company also emphasizes that I was provided and accepted the required loan origination disclosures. While I do not dispute receiving disclosures about the variable interest rate, this does not resolve the underlying issue. Compliance with disclosure rules does not cure the misclassification of the loan itself. The harm I face arises because the loan was marketed, documented, and serviced as a student loan when, legally, it can not be one. Accepting disclosures about how the APR is calculated is not the same as agreeing that the loan may be misrepresented in its type or classification. 

This misrepresentation has caused direct financial harm : I can not refinance the loan with any lender that services student loans, even though it is presented as such ; I am trapped paying an interest rate exceeding 15 % ; and I am excluded from the borrower protections and competitive refinancing options available to other student borrowers. 

In short, ZuntaFi can not have it both ways : if this is a student loan, it must comply with federal law and accreditation requirements, which it does not. If it is not a student loan, then it was misrepresented to me as one. Either outcome demonstrates that the companys response is inadequate and incomplete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received a {$2.00} interest charge on my XXXX statement. My entire balance from the XXXX statement, which was due on XX/XX/year>, was paid on XX/XX/year>. The XXXX statement states the interest was charged on XX/XX/year> on a XXXX dollar balance. 
I submitted a review for this charge and comenity bank stated it is a valid charge due the credit card agreement disclosing that finance charges are assessed beginning from the date each transaction is added to the daily balance and will continue until balance is paid in full. 
My account was paid in full by the due date. By their logic, I will continue to be assessed new finance charges each and every month if I pay the balance in full and don't account for future finance charges on a XXXX dollar balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 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: AZ

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 2025-09-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had received a promotional mailing from XXXX just when I was in the market for a reasonably high-yield savings vehicle, so on XX/XX/year>, I completed an on-line application for a Bread Savings bank 6-month CD ( at a XXXX APY per their letter ) and sent insructions to my bank to move {$15000.00} to Bread to fund the account. The Bread applicaiton screens did not confirm the status of my application at that time. 

Out of concern for the status of my money, I called customer service and was informed that I would receive a confirmation letter within 10 Business Days. 

The next day I received an email at XXXX saying that they were unable to approve me for the CD. However, at XXXX I received an email saying " just one easy step and your 're on your way '' with a button to " Fund Your Account. '' I called Customer Service again and was advised that they knew only that my account was not approved and that I would receive an explanation in a letter " within10 Business Days. '' On XX/XX/XXXX, I called again and got the same ( dishonest ) " 10-BD '' answer. 

I have an Exceptional Credit Rating and need to know why I was not approved for this acocunt. 

Fortunately, neither the transaction above or another at the same time to fund an application to a 4.25 % APY high-yield Savings Account went through, but I had some very tense moments before that was confirmed. 

I should have known from the low quality of Bread 's on-line application and automated telephone processes that I was dealing with a sub-par organization. And their matching useless and dishonest customer support should have left no doubt. 

I am filing this complaint so that others are not sucked into this waste of time ( at best ) and potential loss of money ( at worst ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: OH

Complaint narrative:
XX/XX/XXXX I tried to withdraw money for getting my card was locked I did not receive any but after trying a few times at an ATM one of my receipts said that it dispersed {$200.00} I did not get any money I went to my bank tried to say anything and then I remembered that it was locked and I unlocked the car didn't work but the same thing that happened but my bank handles a problem it's his commercial Bank the XXXX XXXX that is the problem XXXX I have the receipt from the ATM I have my statement from XXXX XXXX saying that it was electronically withdrawn I personally talked to the ATM company and they're taking the blame for it the responsibility and want to pay me my money back but they can't put it back on a card because it has something to do with Federal because my social security check goes there on it and and they have no way of getting into my card anyways without it being in their machine I guess or whatever and also I'm entitled to I believe it's 100 % or {$100.00} per day if it's not handled within I think it said 5 days or 15 days and this has been going on since XX/XX/XXXX so that's quite a bit of money right there and that's what the ATM company XXXX XXXX said they talked to the XXXX the ATM company and they lied the ATM company never talk to them about this the only person they've talked to was me the following Monday after originally happened and then recently when they said that I don't have a problem paying the {$200.00} I bet they don't cuz they got to pay more. But they needed the case reopened and I've got it reopened and they wanted XXXX XXXX to respond urgently to my case so they can get this handled I'm sure there's more I could say but I think this is plenty I have all the claim forms as proof I've emailed twice to them they've only given me money once and they took it back and I'm not just going to lay down on this thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I had an account with cash app for about a year well they decided to close my account and freeze my money that was on there which is a total of {$700.00} this was on XX/XX/XXXX it's now been 30 days and they have not allowed me to access my funds they will not allow me to add a new debit card or bank account to be able to withdraw my friends even though and there guidelines it says that if the account is closed you could still withdraw your money by linking a debit account or a bank account and I've tried doing both and every single time it says failed because they froze my money I just want my money I'm about to lose the place I live at because that is my rent money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and 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 non-monetary relief
Consumer complaint received 2025-09-12 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: AR

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 1681e ( 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 ( 15 U.S. Code 1692e ) 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 2025-09-12 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: AR

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 1681e ( 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 ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief