vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$14000.00} 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 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 2025-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica
State: OK

Complaint narrative:
XX/XX/XXXX I spoke to an agent who told me what and where to send info to get a new card with my married name on it. I did so, and never heard anything back at all. My card has been deactivated, and i cant lon into my direct express app. I cant use my founds- which is the only income for my house hold. I have been trying to get ahold of this company for weeks. Only to sit in hold, for sometimes hours with XXXX responce. We are in great need of that money to pay our bills ... and i cant get into contact with anyone. We have tried the international number, the hearing impaird number, and the number for the other kind of card they provide. We tried call the comarica bank and had the same exact result. We need help, and its like that have shut off thier phones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I used Chase Ultimate Rewards points to book a hotel room that included a courtyard view and complimentary breakfast. Upon arrival, the hotel stated the room would not be ready for over an hour I had scheduled reservations and could not wait, and yet I had arrived at the correct check in time. I was placed in a substitute room that was on the ground floor, had a view of the parking lot, and had a mosquito problem. 

This room lacked the promised amenities and made the stay uncomfortable. The breakfast amenity was also not provided. I requested a partial refund of the XXXX points used. Chase has only offered XXXX points and refuses to escalate the matter beyond a generic complaint submission. I have not been given a complaint reference number or a way to follow up. 

Im asking for a fair resolution : a partial refund of XXXX points for services not rendered. Chase has failed to take appropriate responsibility for fulfilling what was promised via their travel platform.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This is my second dispute because my credit report still contains outdated and inaccurate personal information that I did not authorize. It continues to list incorrect addresses, an invalid name variation, a misspelled version of my name, and outdated or inaccurate employment details. I have already submitted valid supporting documents, including my government-issued ID, XXXX card, and utility bills, to verify the correct information. 

Under 15 U.S.C. 1681e ( b ), credit bureaus are required to ensure the maximum possible accuracy of the information they report. I am demanding the immediate correction or permanent deletion of these inaccurate items and written confirmation once the updates are completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Tesla, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I received an adverse action notice from Tesla Finance LLC denying my application for a vehicle lease. The notice stated that I could request the specific reasons for denial by calling ( XXXX ) XXXX. However, this phone number only leads to an automated system and does not allow me to reach a representative or submit the request. This prevents me from exercising my rights under the Equal Credit Opportunity Act ( ECOA ) to obtain the reasons for denial. 

I was approved for financing by XXXX other lenders for the same vehicle. My credit score is XXXX, and I also applied with my father as a co-applicant, whose score is XXXX. Despite this, Tesla Finance denied our application without providing clear reasons or a functional way to obtain them. 

My Tesla delivery is scheduled for XX/XX/year>, but I was informed by my Tesla advisor that the financing terms must be finalized by XXXX p.m. today, XX/XX/year>, or the order will automatically cancel. Tesla Finances lack of access to the required information is preventing me from meeting this deadline and completing my purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Please dispute the following accounts that have been opened or used in my name as a result of a recent data breach. I was recently notified that my personal information may have been compromised, and I have reason to believe that this has led to unauthorized activity on my credit report and/or new accounts being opened without my consent. I did not authorize the opening or use of this account and was not aware of its existence until reviewing my credit report ( or receiving a collection notice. This activity is the result of identity theft stemming from a data breach. 

Please investigate this matter and respond to me in writing at your earliest convenience. I expect a response within 30 days, as outlined by the Fair Credit Reporting Act ( FCRA ) and applicable state laws.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: INDEPENDENT BANK CORP.
State: RI

Complaint narrative:
Wallet was stolen/Missing/lost, viewers charge on card I didnt recognize. I promptly contacted the XXXX XXXX XXXX. 
Called immediately to report the unauthorized charge. 
No provisional credit was provided after requesting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under XXXX XXXX, I demand their deletion within XXXX  days. Supporting documents are attached.

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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ( XXXX ) and Scott & Associates , PC violated consumer protection laws by continuing to prosecute a XXXX XXXX XXXX lawsuit against me after I elected arbitration under the governing credit agreement and notified them in writing. Once arbitration is elected, litigation must stop. Instead, XXXX and Scott PC denied my election multiple times and kept the magistrate case alive, using it as leverage to pressure me to abandon the XXXX arbitration I filed against them for their violations. 
Before I prevailed in XXXX XXXX ( judgment for defendant entered in case XXXX ), XXXX and Scott repeatedly pushed a mutual walk-away conditioned on me dismissing my XXXX  case. In their communications they acknowledged my XXXX and stated that it usually causes their client to drop cases, yet they exploited the pending court case to try to coerce me to give up my contractual rights. This was an egregious abuse of process, a misrepresentation of my rights, and bad-faith collection activity. 
XXXX and Scott never had admissible evidence and no real way to prosecute their case. Their strategy was to rely on hearsay, and incomplete records, hoping I would not respond to the lawsuit so they could obtain a default judgment. This tactic shows their intent to misuse the court process, not to legitimately prove a debt. 

Their conduct reflects a systemic pattern of refusing to honor arbitration elections, pressing litigation anyway, and attempting to use the court process as a cudgel to force consumers, especially vulnerable consumers with XXXX, out of arbitration. I request CFPB enforcement action to stop these practices, require XXXX and Scott PC to honor arbitration elections immediately, prohibit conditioning case dismissal on a consumer abandoning arbitration, and impose appropriate oversight and penalties for repeat misconduct. For the record, please review my XXXX filing against PRA ( XXXX Case No. XXXX ) and its exhibits, which include the emails denying my election, the mutual walk-away demands, the magistrate docket, and the judgment. These materials document the misconduct in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: GVA Holdings, LLC
State: OK

Complaint narrative:
I contacted Bright Lending via email and over the phone XX/XX/year> and XX/XX/year>. I requested a payoff letter an official letter that included their name, my name, loan number, pay off amount as of the date, monthly payment, and when next payment is due. I was sent an email not an official letter. I requested an official letter and was told that could not be done. I am working with XXXX XXXX XXXX to help me at this time, and I was told that the email would not be suficient. My call back to Bright Lending on XX/XX/year> and explain what I needed. I was told that they could not do that again. I was sent another email.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an notification from Venmo to inform me {$3000.00} was sent to someone, but I didn't initiate the transfer, immediately i called Venmo to inform them that this is a unauthorized transfer, and my account is compromised, they told me they will stop the payment, and file a dispute, and I called my bank to stop the transfer also. However, little that I know, Venmo sent the money anyways, and there is nothing I can stop it, However, I trust them will investigate and reverse the payment, referencing ticket XXXX, I waited for XXXX  days, Venmo emailed me and informed me the dispute is declined, I was really troubled by the result, I called again and tried to get the report on their research, I called and emailed, nothing they can offer me. I was able to located the individual who might be responsible for this crime, I called venmo and share the information with them, they should be able to contact that person and contact the authority about this. but they didn't do anything, just denied my request, there is no one to help me, they just ignored a crime and information to stop further crimes being committed. they should be look into

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BMO BANK NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My complaint is related to the information that I attempted to obtain and provide to BMO credit card. I filed for bankruptcy chapter XXXX and BMO card ending in XXXX was included. I used the address listed on the top of the statement ( BMO BANKN.A. 
XXXX XXXX XXXX XXXX XXXX IL XXXX ) and which was confirmed to me via a phone call prior to filing ( please see the attachment ). 

On XX/XX/year> after logging in into my account on XX/XX/year>, I noticed that my account was not included in XXXX. When I tried to reach over the phone, I was told that they do not have a record of my XXXX filing. 

I sent a secure message via online account ( please see attachment ). This message states the XXXX case number and other details. Rather than taking this into account, BMO responded that they dont handle this kind of requests via online chat, but I need to call them. I also tried to call BMO XXXX  department but they never pick a phone ( XXXX XXXX ). 

Also, BMO keeps giving troubles with accessing to my online account ( please see a screenshot ). 

Overall, I believe BMO is attempting to give me, al XXXX person with XXXX, a very hard time after I attempted to report them I am filing for 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 2025-09-03 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I am getting excessive calls from the commenity bank XXXX XXXX XXXX credit collections department. They no longer call from an identifiable number but from a private number and calls are up to hourly. I answer once a week to discuss with them and they require an unreasonable lump payment to enter the hardship program which I do not have. They push to get a payment on file and or to post date a payment after telling them I do not have any account with money to pay. They push for me to ask my family or friends to lend me money. They threaten the calls will not stop until I make a lump sum payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KS

Complaint narrative:
This account is inaccurate because the original provider failed to properly bill my insurance, despite my having active health coverage at the time of service. I have enclosed proof of coverage and my Explanation of Benefits ( EOB ), which shows the claim was never submitted. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and remove this collection account from my credit file. 

The first credit reporting agency, IC Systems, sent me a letter ( attached ) with the debt. I disputed it. Then a different collector, XXXX, reported my debt and added more to a statement they sent me. They reported the original amount to my consumer report as debt not paid. I have contacted them explaining this and how my insurance has never received a bill for the debt. My insurance paid all charges from the date of service to XXXX XXXX XXXX XXXXXXXX. They would have paid additional charges if they had been submitted. This is not fair for me to be responsible for a debt that was not submitted and never sent to me.

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