vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am filing a complaint against Bread Cashback Rewards Mastercard ( ComenityXXXX XXXX/Bread Financial ) . 
In XX/XX/year>, I signed up for their card after receiving an email promotion offering a {$200.00} reward after spending {$1000.00}. I met the spending requirement within XXXX months. When I called customer service to ask about the bonus, I was first told it would appear after a billing cycle.I made sure that its still active before I use the companys card due to me opening it Later, Later, they claimed I did not qualify. The {$200.00} was never credited. 
Shortly afterward, I discovered that my account had been closed without my authorization. When I called, I was told there was a memo stating that I had requested the closure, which is not true. I specifically asked them to provide proof ( call recordings ), but they could not do so. 
At the time of closure, I had {$24.00} in earned rewards that were taken away without reimbursement. No check or payment was issued. 
Even more concerning, after the account was closed, a {$140.00} XXXX charge was processed, followed by late fees. For several months, I could not even access my account to see or address these charges. Only recently was I able to log in, but only to make payment, and I noticed my rewards were marked as invalid. These charges and late fees have since been reported negatively on my credit report, damaging my score. 
For context : I have XXXX active credit cards and over 8 years of credit history. I always pay my balances in full and have never missed a payment or incurred late fees with any other lender. This situation with Bread XXXX is the only negative mark in my credit history, and I strongly believe it is the result of their unfair practices, not my financial behavior. 
Requested Resolution : 1Restore the {$200.00} promotional bonus as originally promised. 
2Refund the {$24.00} in earned rewards.

3Reverse the {$140.00} XXXX charge and all late fees applied after account closure. 
4Remove any negative credit reporting related to this matter.

5Provide clear documentation of why and how my account was closed without my consent.

This experience has caused me financial loss, damage to my credit, and significant stress. I am requesting CFPBs assistance in requiring Bread Cashback to resolve these issues fairly. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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 XXXX 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 : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, as proof from the XXXX 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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: LD Holdings Group, LLC
State: UT

Complaint narrative:
In early XX/XX/year>, I requested a rate estimate through a third-party website. Loan Depot called me and I told them to stop calling me. I'm assuming the third-party website provided my information to them to call. Loan Depot has called me almost every day, multiple times a day, for almost XXXX straight months now. I have asked multiple representatives to put me on a do not call list, have sent an email, and have blocked about XXXX of their numbers. They continue to call me at least once per day, some days up to XXXX times per day, trying to convince me to get a refinance with them. That's not following up on a rate inquiry, it's harassment for not deciding to move forward with them. I need them to stop calling me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I took a {$600.00} loan out with Ace XXXX XXXX years ago, in XXXX I began paying it off, however came to a stop because I was drowning in bills, rent, grocery costs, costs for my kids, etc. I was and still am a server at a restaurant, so I depend on tips, and most of the time the tips are not enough. I am currently pregnant, and still struggling with my bills as a server. I had forgotten about the loan, as the loan was taken out XXXX YEARS AGO. Ace XXXX has been harassing various family members of mine, and has even gone as far as contacting my job. I do not appreciate the harassment, and I do not know when I can pay off my debt. It has been XXXX years, and I have other responsibilities to take care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I recently reviewed my credit report and noticed some inquires that I did not authorize. Please remove immediately.

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 2025-09-30 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:
The account opened up fraudulently under my name years ago and now theyre reporting inaccurate payment information on my credit report

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 2025-09-30 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT, ON-TIME PAYMENT HISTORY. THIS NEGATIVE ENTRY IS A CLEAR MISTAKE THAT UNFAIRLY DAMAGES MY CREDIT PROFILE. THE ACCOUNT IN QUESTION WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), XXXX U.S. CODE XXXX, THIS CONSTITUTES A BILLING ERROR. I HAVE ATTACHED AN INVOICE STATING THIS AS A FEDERALLY PROTECTED CONSUMER RIGHT VIOLATION UNDER XXXX U.S.C. XXXX. PLEASE BE ADVISED THAT I WILL SEEK MONETARY DAMAGES IN SMALL CLAIMS COURT IN MY CITY/STATE IF THIS ERROR IS NOT CORRECTED. LATE FEES WILL ACCRUE AT {$1000.00} PER DAY FOR EACH DAY PAYMENT IS LATE. I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS MATTER AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I regularly review my credit report because maintaining my credit score is important to me, yet I continue to see inaccurate and false information appearing on it. This has been a recurring issue that has not been resolved despite multiple attempts to bring it to your attention. The persistence of these errors is stressful, exhausting, and has been unfairly harming both my life and my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: IN

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/year> a charge on my Wells Fargo debit card from Merchant Name : XXXX XXXX XXXX XXXX XXXX  and Category : Restaurants appeared for the amount of {$690.00}. I was victim of a crime abroad involving multiple cards, I tried to explain this to Wells Fargo yet they said this was an authorized transaction, yet I showed that across other cards the same charge appeared around the same date coupled with the fact that something like this has never happened to me before and I have never submitted a claim to Wells Fargo.

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 2025-09-30 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: OR

Complaint narrative:
My XXXX  took out a loan with his other behind my back I was XXXX  at the time they were handling my finances. I uploaded document to the credit bureau XXXX XXXX Equifax letting them know it's not me and it keep coming back on my credit report every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXX - XXXX - Account not mine XXXX XXXXXXXX XXXX  - XXXX - Account not mine XXXX  - XXXX - Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: VA

Complaint narrative:
I'm writing to bestow my anxiety concerning the tested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably referred to that they be completely broke down. Regardless of what my endeavors, I eventually can't get any goal or supportive development. These misguided records are really harming my credit file and hindering my capacity to go on with an ordinary life. The disagreeable results of these slip-ups have caused huge difficulties for me, and I'm left with no decision beside to battle for your help with surveying what's going on quickly. I generously demand that you direct a wary evaluation concerning the vital of these tested records. It is fundamental that the chief pushes are taken to restore and amend my credit report immediately. With your assistance, I need to reestablish the accuracy and reliability of my credit record so I could recuperate command over my cash related achievement. 
I truly demand that you offer this matter your generally preposterous idea and make a quick move. Your help and moving in settling this issue rapidly would be exceptionally critical. Much appreciation to you right off the bat for your insight and help.

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 2025-09-30 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: IL

Complaint narrative:
I regularly review my credit report because maintaining my credit score is important to me, yet I continue to see inaccurate and false information appearing on it. This has been a recurring issue that has not been resolved despite multiple attempts to bring it to your attention. The persistence of these errors is stressful, exhausting, and has been unfairly harming both my life and my credit standing.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
I am a victim of identity theft. Multiple accounts were opened and reported in my name without my knowledge or consent. Despite providing TransUnion and Experian with my police report ( Report Number XXXX ) and an identity theft report filed with the Federal Trade Commission ( Report Number XXXX ), these fraudulent accounts remain on my credit reports. 

I have disputed these accounts several times, invoking my rights under the Fair Credit Reporting Act, specifically sections 605 ( b ), 607 ( b ), 611 ( a ), and 623 ( a ) ( XXXX ). I formally requested that the credit bureaus and furnishers provide me with the original signed contracts containing my ink signature to validate these debts. However, they have failed to provide this essential documentation, which violates the FCRAs requirements for verifying debt accuracy and completeness. 

The accounts in question 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 These accounts are inaccurate, unverifiable, and are severely damaging my creditworthiness and financial wellbeing.

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 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I spoke with XXXX in XXXX of 2025. I requested a list of itemized charges to validate the debt. They failed to provide this and stated that they only have the statement from XXXX XXXX XXXX. I submitted a dispute with EXPERIAN because this company failed to provide sufficient documentation and this account should not have been listed on 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: PA

Complaint narrative:
These inquiries are not mine and are a result of identity theft : 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 non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA 1681i, 1681s-2, and 1681c-2 ) regarding inaccurate and conflicting information appearing on my credit reports from TransUnion, Experian, and Equifax.

Despite my right to accurate and verifiable reporting, discrepancies exist across the three credit reporting agencies

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 2025-09-30 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: TX

Complaint narrative:
I was attempting to buy a car when I realized I had damages on my credit report. According to the 15 U.S.C 1681 law there should not be any damages to my credit report.

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