vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-19 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: FISERV FINXACT CORE
State: CO

Complaint narrative:
On XX/XX/XXXX I had a XXXX loaded on my pay card for work the day before. After the XXXX was loaded I had a balance of XXXX. On XX/XX/XXXX I was able to use the card at a drive through for XXXX. I then proceeded to get XXXX in gas from the attendant, again on XX/XX/XXXX the card only cleared for XXXX. The attendant had to cancel the debit purchase because the card didn't have the funds to cover the amount. I then tried to get XXXX in gas since that's all the card would approve. It would not approve the XXXX either. I had a balance of XXXX until XX/XX/XXXX when XXXX dollars came back to the account. I now on XX/XX/XXXX have a balance of XXXX due to payroll depositing a XXXX. The charges for my attempts to get fuel are still pending, although I have receipts for declined payments. I called XXXX XXXX, as well as my employer on XX/XX/XXXX I spoke with XXXXXXXX XXXX XXXX XXXX, I was told this can happen if I ran the card as credit, I told him it was not ran as credit, and asked how to spend my own money. I was then offered to be mailed a new debit card. I stated that a new card wouldn't help the available balance be usable. ( Also, this card was issued in XX/XX/XXXX. ) I have no clue when or where they took the XXXX overage, and gave it back. Usually the only time I get over charged is at restaurants to cover the tip. I haven't used this card at any places that would overhold since XX/XX/XXXX. 
Ultimately, my funds have been unavailable to me for 5 days now, and this is not the first occasion this has happened to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXXXXXX XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-19 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : SELF EMPLOYED XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXX/XX/XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance : {$0.00} Late/Closed XXXX XXXX XXXX * * * * Date Opened : XXXX Balance : {$0.00} Late/Closed XX/XX/XXXX( Original Creditor : XXXXXX/XX/XXXX ) XXXX * * * * Date Opened : XX/XX/XXXX Balance : $ XXXX XX/XX/XXXXXXXX * * * * Date Opened : XX/XX/XXXX Balance : {$890.00} Late/Open

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 2025-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: CHERRY TECHNOLOGIES INC.
State: FL

Complaint narrative:
I took out a loan for tattoo removal services from a company called XXXX the company filed bankruptcy and went out of buiness before I could receive my services. I filed a dispute with Cherry on XX/XX/year> and this dispute remains pending at this time. Representatives with cherry have told me that it takes up to 20 business days to resolve a dispute, however we are now well beyond that time frame and I've been told that there is no expected end date for resolution. I continue to be charged every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim of XXXX XXXX These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the trafficking situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting survivors of human trafficking, to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * * * * ) - Opened on XX/XX/XXXX with a balance of $ XXXX Credit Card XXXX Account # XXXX * * * * ) - Opened on XX/XX/XXXX with a balance of $ XXXX fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims of XXXX XXXX Thank you for your attention to this matter and for supporting survivors like myself in regaining financial stability.

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 2025-04-19 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: VA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 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.

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 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: GOLDMAN SACHS BANK USA
State: OK

Complaint narrative:
My wallet was stolen around XXXX at XXXX XXXX XXXX on XX/XX/year>. The perpetrator added all my credit cards to their digital wallet. I locked all my cards, but when I went to replace them, they are getting automatically updated in my digital wallet, which means the perpetrator already has my new credit card numbers. I dont know how to get out of this cycle and I am stuck figuring out how to use any of my personal or work cards again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: CL Holdings LLC
State: MS

Complaint narrative:
Jefferson capital had my account listed as charge off then they changed it to collection which not only caused my account to go to delinquent but also my scores to drop. Neither did Jefferson Capital notify me off these changes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX  XXXX ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-19 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: AZ

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-19 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/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 explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
My credit score that was XXXX from perfect payments went down XXXX points because Synchrony reported my payment to XXXX XXXX as late. I talked to a representative and made a payment on XX/XX/XXXX and my XXXX XXXX report shows that Synchrony posted a late payment report on XX/XX/XXXX. Please remove this as it has been paid and in good 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 non-monetary relief
Consumer complaint received 2025-04-19 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 HAVE BEEN AFFECTED OF XXXX AND XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/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 explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I was shopping at Forever 21 XXXX XXXX, XXXX, New York location and was told I could get a discount by providing my name and some information at the register. The employee then asked me to enter my Social Security number on the pin pad, without clearly explaining that this was actually for a credit card application. He said something like, Well just say you make {$100000.00}, which I assumed was just to get the discount. At no point did he say this was for a credit card. 

While he was entering the application, he laughed and joked about it with his coworker, which made it clear he knew what he was doing and wasnt being transparent with me. A few days later, I received a letter saying I was denied for a Forever 21 credit card. Thats when I realized a credit inquiry had been done without my full understanding or permission. 

This has caused a hard inquiry on my credit report that I did not knowingly authorize. Ive also seen this same tactic used on other customers during checkout, so I believe its a pattern of deceptive behavior that needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Bank USA charged off my account and am reporting charge off on my account and was supposed to provide me a 1099-C. By law when companies charged off in an account they have already been paid and trying to collect payment twice. Having a charge off on my consumer report is very damaging when trying to get credit. 

I spoke with them, and they refused to remove the derogatory account off my consumer report. They keep harassing me sending constant emails about paying off a debt that they have already been paid for through a write off on their books. 

They should be held liable for harassment and also fraud for having incorrect information on my consumer report, which is damaging to my ability t obtain loans and credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Fraudulent accounts were opened in my name without my consent as a result of being a victim XXXX XXXX XXXX These accounts include auto loans, credit cards, and collection accounts from various financial institutions. I was coerced into financial arrangements that I could not control, resulting in adverse entries on my credit report. Upon escaping the XXXX  situation, I discovered multiple unauthorized debts negatively impacting my credit. On [ specific date ], I contacted the credit bureaus to dispute these accounts and began the process of clearing my credit profile. I also worked with XXXX XXXX, a federally recognized organization assisting XXXX XXXX XXXX XXXX to verify my victim status and obtain supporting documentation. Despite my efforts, the disputed accounts have not been fully removed or corrected. On I filed an identity theft report with the Federal Trade Commission ( FTC ) and submitted documentation to TransUnion requesting the removal of fraudulent accounts under 12 C.F.R. 1022.142. Additionally, I requested copies of all account statements and evidence of debt legitimacy from the creditors involved. As of now, the following unresolved fraudulent accounts continue to affect me : XXXXXXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX with a balance of $ XXXXXXXX XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) - Opened on XX/XX/XXXX with a balance of {$3200.00}. These fraudulent accounts have severely impacted my credit, preventing me from obtaining housing, employment, and financial services. I am requesting the CFPB to facilitate the immediate removal of these accounts and to ensure compliance with regulations protecting victims XXXX XXXX XXXX. Thank you for your attention to this matter and for supporting XXXX  like myself in regaining financial stability.

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 2025-04-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I applied for a credit card from Capital One, but due to a system error, my credit score was incorrectly reported as XXXX. As a result, the application was automatically denied and a hard inquiry was added to my credit report. ( attached electronic letter from the company ) At the time of the application, my actual credit score was around XXXX. I was able to confirm this through CreditWise, Capital Ones own credit score monitoring service. I even spoke with a Capital One representative by phone, who told me that if I believed there was an error, I should send a formal complaint by mail. I followed their instructions and mailed a letter via USPS, but I never received any response. 

This was an improper use of my credit report based on inaccurate data, and I would like the inquiry removed from my credit file. 

I am also submitting supporting documentation titled Credit Score Proof to show that my score was not XXXX during the relevant period..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-19 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: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that Experian block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. XXXX XXXX - Opened XXXX XXXX XXXX With a balance of {$0.00} Account number XXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the 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 2025-04-19 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: FL

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  ) : ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please Investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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