vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute. 

It has been over XXXX days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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:
This is not my account, and it appears on my credit report in error.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
This is not my account, and it appears on my credit report in error.

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 2025-11-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint regarding a Macys gift card with a {$100.00} value that was fraudulently used before I ever had the opportunity to redeem it. 

The card was a gift from a coworker in XXXX. I attempted to use it in XX/XX/XXXX at a Macys location. The cashier scratched the protective strip, but the last digit of the PIN was missing/unreadable, and the card could not be processed. I called Macys that same day and opened a claim.

I did not receive any notification regarding the outcome. When I called again, I was informed that the claim was denied and that the card had a {$0.00} balance prior to my attempt to use it, which is exactly why I filed the claim, as this indicates unauthorized or fraudulent use. 

The representative resubmitted a second claim on XX/XX/XXXX, ensuring the details were documented clearly. On XX/XX/XXXX, I called once more and was told the claim was again denied due to a business decision. I escalated to a supervisor, who repeated the same explanation and stated that the only resolution offered would be a {$50.00} gift card, not the full {$100.00} value. 

I followed every step of the dispute process, reported the issue immediately, and Macys confirmed the card was drained before I attempted to use it. I am requesting that Macys restore the full {$100.00} value, as I should not be financially penalized for fraudulent activity I did not commit and had no way of identifying prior to attempting to use the card. 

I am seeking a full replacement of the {$100.00} gift card, or a credit of the same amount. 

Thank you for your assistance. 

Gift card last XXXX digits : XXXX Claim reference numbers : N/A

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Block, Inc.
State: KY

Complaint narrative:
Money was taken from my cash app card and used on XXXX to convert {$1600.00} into XXXX currency. The company name is XXXX XXXX XXXX in XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within XXXX days of receiving the dispute.

It has been over XXXX days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-17 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: FL

Complaint narrative:
I have been disputing the same accts for months now and they remain on my credit report and have hurt my financial situation for months now, over 9. at this point im not even getting any responses in the mail. there is no acknowledgement of my dispute letters and verification that they are investigating. So i have filed an NOI letter and will be sueing in federal court with fcra attorney

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 2025-11-17 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: FL

Complaint narrative:
I have been disputing the same accts for months now and they remain on my credit report and have hurt my financial situation for months now, over 9. at this point im not even getting any responses in the mail. there is no acknowledgement of my dispute letters and verification that they are investigating. So i have filed an NOI letter and will be sueing in federal court with fcra attorney

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I contacted Concora Credit in regards to my Milestone credit card being declined for a transaction i know i had the available credit for. When I asked why my card was being declined, I was told it is due to the merchant being a high risk merchant. The payment processor, however, is XXXX, which offers a money back guarantee for and commercial purchases, which this would be categorized. I was advised to use a different payment method. When i asked, how this would be considered a high risk merchant, they wouldnt give me an answer and simply stated that the merchant is high risk. None of my other payment methods have ever been declined due to this merchant being high risk and concora credit offered no resolution on their end, even after i clarified what i was purchasing. The merchant is vgen.co, a well known art commissioning website which also has guaranteed deliveries for any purchase made through the site.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Comenity Banks response is insufficient and does not resolve my complaint. 
The bank did not provide any documentation proving these accounts belong to me. 

They failed to provide : The signed application IP address logs used to open the account Device ID or device fingerprint Geolocation data Surveillance/video footage ( in-store applications ) Transaction history tied to my identity Any actual evidence of legitimacy Their letter only repeats a previous generic response and does not address the identity theft, the lack of verification, or the reinsertion of previously deleted fraudulent accounts on my TransUnion credit report. 

Under FCRA 609 ( e ) and FCRA 611 ( a ) ( 1 ) ( A ), furnishers must provide complete documentation used to verify an account. Comenity provided none.

Under FCRA 611 ( a ) ( 5 ) ( B ), reinsertion of previously deleted information requires : 1. Furnisher certification of accuracy 2. Written notice to the consumer within 5 business days 3. Documentation supporting reinsertion None of these requirements were met.

Comenity has not verified these accounts and continues to report fraudulent information without proof.

I am requesting the CFPB require Comenity to : 1. Provide ALL documentation used to verify the accounts 2. Permanently delete these fraudulent identity-theft accounts 3. Provide written notice these accounts will not be reinserted without proper certification The response they provided is incomplete and does not comply with FCRA obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
Fifth Third Bank thinks that I have a loan through them for a vehicle I never purchased and have no contract for. They keep calling and telling me I am delinquent and I keep telling their representatives that I do never purchased the vehicle in question. The representatives do not understand this and the conversation goes no-where. I do not own the vehicle and never did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: IL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have XXXX dr bills on my account that are not mine and I have tried to get them removed but no one listen to me about this matter Credit collection service - XXXX - XXXX - not mine XXXXXXXX XXXX XXXX XXXX - not mine XXXX XXXXXXXX XXXX XXXX Please remove this accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
My credit report is showing two inquiries that I do not recognize, authorize, or consent to. I never applied to these companies, yet they accessed my credit report without my permission. This is a direct violation of my rights as a consumer, and dealing with this on top of everything else in my life has added unnecessary stress and frustration.

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 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
My bank login suddenly stopped working and am unable to login. I can't chat them up online because I can't login and they won't allow me connect them on phone. Each time i try to call, it says they can't talk to me right now. I don't know how else i can reach them.

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 2025-11-18 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:
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 id-entity 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 XXXX 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 XXXX 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 explanation
Consumer complaint received 2025-11-18 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:
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 id-entity 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 XXXX 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 XXXX 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 2025-11-17 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: TX

Complaint narrative:
Section 605C of the FCRA credit bureaus refuse to remove accounts even with proper documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Section 605C of the FCRA credit bureaus refuse to remove accounts even with proper documentation

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 2025-11-17 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: GA

Complaint narrative:
A XXXX late payment was inaccurately reported on my credit reports ( Experian, XXXX, and XXXX ) XXXX XX/XX/year>, related to my XXXX credit card account. This late payment resulted from a fraudulent transaction that I did not authorize. 

A charge for {$23.00} was made on XXXX on XX/XX/year>, and posted to my XXXX card on XX/XX/year> without my knowledge. This credit card is rarely used, and every prior use has always been paid on time and in full. Because the card is not regularly used, I had no reason to expect activity on the account, and I was unaware fraud had occurred until the derogatory reporting appeared on my credit file. 

On Sunday, XX/XX/year>, at approximately XXXXXXXX XXXX XXXX, I contacted the XXXX XXXX Department and spoke with an associate named XXXX, who confirmed the transaction was unauthorized. XXXX opened XXXX # XXXX and issued a temporary credit of {$49.00} to reverse the fraudulent charge and fees. This confirms that XXXX determined the charge was fraudulent. 

Despite this, all three credit bureaus reported the account as 30 days late, which is incorrect because the delinquency resulted entirely from an unauthorized transaction. This inaccurate reporting has caused my credit scores to fall XXXX points, which is significantly impacting my ability to purchase a home. I have not had a late payment in more than XXXX years. 

I am requesting that the credit bureaus and Truist correct this error immediately, remove the inaccurate late payment from my credit reports, and restore my payment history to accurately reflect that I have not been late. This late reporting is the direct result of fraud and should not be attributed to me under the Fair Credit Reporting Act ( FCRA ), including sections 607 ( b ), 611, and 605B, which require accurate reporting, prompt reinvestigation, and blocking of information resulting from identity theft.

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