vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
An electronic payment was made through the comenity web sight. the payment was reduced by {$1.00} XXXX returned to a previous screen and corrected the amount, it accepted the correct amount the second time. this has happened numerous times. Some times I catch it, in a rush I may not. if done across all accounts this company holds the maintained balances would produce a higher interest income for the company. effectively stealing interest from consumers. Its not much from one individual but across all held accounts, this could be intentional fraud. Taking advantage of something that is intended to be hard to notice or easy to miss or seems inconsequential is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My account with Sofi has been closed since XXXX. They reported to the credit bureau that the account is passed due with a balance of {$40000.00}. When I call them to get information, they can not confirm because I do not have an account and it was paid off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX and XXXX, XXXX, Chime automatically withdrew {$800.00} from my account after I transferred money in from XXXX. When I contacted them, they said it was to repay an old XXXX  balance. 

The issue is that I was never clearly notified of how much I owed, never given a chance to repay manually, and never warned that my full deposits would be taken. The only message I received was a XX/XX/XXXX email saying that starting XX/XX/XXXX, deposits could be used for repaymentbut that email had no balance details or any follow-up. 

They took my entire transfer without any recent notice, breakdown, or transparency. This left me with no money and no ability to dispute the charge. I believe this behavior is unfair and deceptive, and Im asking for either a partial refund or a repayment plan option moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am a victim of identity theft. On or around XX/XX/year>, I discovered multiple unauthorized credit inquiries and accounts on my credit report, including a fraudulent XXXX account and inquiries from XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and others. I did not authorize or apply for these accounts or credit checks. 

Despite filing a formal FTC Identity Theft Report ( Report # XXXX ) and notifying the credit bureaus, the XXXX account has reappeared on my credit report, and the unauthorized inquiries remain. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Requires credit bureaus to block fraudulent information within 4 business days after receiving proper identity theft documentation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted fraudulent items without written notice and re-verification.

15 U.S.C. 1681b ( c ) : Prohibits credit inquiries without a permissible purpose or written authorization. 

I am demanding immediate and permanent removal of the XXXX account and all unauthorized inquiries. These errors are causing me emotional distress, reputational harm, and are obstructing my ability to access legitimate credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am a victim of identity theft. On or around XX/XX/2025, I discovered multiple unauthorized credit inquiries and accounts on my credit report, including a fraudulent XXXX  account and inquiries from XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and others. I did not authorize or apply for these accounts or credit checks. 

Despite filing a formal FTC Identity Theft Report ( Report # XXXX ) and notifying the credit bureaus, the XXXX account has reappeared on my credit report, and the unauthorized inquiries remain. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Requires credit bureaus to block fraudulent information within 4 business days after receiving proper identity theft documentation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted fraudulent items without written notice and re-verification.

15 U.S.C. 1681b ( c ) : Prohibits credit inquiries without a permissible purpose or written authorization. 

I am demanding immediate and permanent removal of the XXXX account and all unauthorized inquiries. These errors are causing me emotional distress, reputational harm, and are obstructing my ability to access legitimate credit.

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 2025-08-02 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: GA

Complaint narrative:
I am a victim of identity theft. On or around XX/XX/year>, I discovered multiple unauthorized credit inquiries and accounts on my credit report, including a fraudulent XXXX  account and inquiries from XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and others. I did not authorize or apply for these accounts or credit checks. 

Despite filing a formal FTC Identity Theft Report ( Report # XXXX ) and notifying the credit bureaus, the XXXX account has reappeared on my credit report, and the unauthorized inquiries remain. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Requires credit bureaus to block fraudulent information within 4 business days after receiving proper identity theft documentation.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted fraudulent items without written notice and re-verification.

15 U.S.C. 1681b ( c ) : Prohibits credit inquiries without a permissible purpose or written authorization. 

I am demanding immediate and permanent removal of the XXXX account and all unauthorized inquiries. These errors are causing me emotional distress, reputational harm, and are obstructing my ability to access legitimate credit.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding Equifaxs failure to comply with the Fair Credit Reporting Act ( FCRA ) as amended by the Debt Bondage Repair Act ( 2022 ) and Section 6102 of the XXXX  Victims Protection Act ( TVPA ). 

I am a confirmed victim of XXXX XXXX  and my status has already been acknowledged in prior communications and submissions to credit reporting agencies. Despite this, Equifax has failed to remove adverse accounts within the required XXXX period after receiving my XXXX  relief request and supporting documentation. This delay is already in violation of federal law. 

Even more concerning, Equifax has allowed previously removed accounts to reappear under new account numbers, as debt buyers continue to resell and reassign the same invalid debts. This practice directly violates the intent of the law, which prohibits the continued reporting of debts incurred as a result of XXXX  XXXX, regardless of who owns or attempts to collect on the debt. 

This is not only legally noncompliant but is causing ongoing harm to me as a survivor : It re-traumatizes individuals already recognized as victims. 
It implies legitimacy to debts that were clearly incurred under coercion or exploitation. 
It hinders efforts to rebuild credit, secure housing, and achieve financial recovery post-trauma.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been attempting to make a formal dispute my by to Experian in regards to inaccuracies on my credit report since XX/XX/year>. I have followed up monthly by mail and have no had any response or any changes 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 explanation
Consumer complaint received 2025-08-02 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: Fidelity National Information Services, Inc. (FNIS)
State: UT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-08-02 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: CBC Companies, Inc.
State: UT

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life.

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
I have noticed by reviewing my consumer report, I did discover that I have some instances of late payments on an account witch I have always been on time with my payments Consumers Reporting Agencies play a big role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on my following account : XXXX XXXX XXXX, Account Number : XXXX. I request a full complete investigation into these discrepancies and urge you to provide evidence, Such as Statements, and demonstrating lateness of these of these payments. If unable Furnish proof, I demand that these late payments be properly updated to reflect their true status as on-time, as I Have Consistently upheld my payment obligations without delay.

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 2025-08-02 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: TN

Complaint narrative:
* * Subject : * * Complaint Regarding Inaccurate and Unverified Reporting by Equifax Under FCRA * * To : * * Consumer Financial Protection Bureau ( CFPB ) * * From : * * XXXX XXXX XXXX * * DOB : * * XX/XX/XXXX * * Address : * * XXXX XXXX XXXX XXXX, XXXX TN XXXX -- - * * Summary of Complaint : * * I am filing a formal complaint against Equifax for failure to conduct a lawful and reasonable reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically related to negative payment history reporting on my XXXX  XXXX credit account. Despite a dispute filed in good faith, Equifax has verified the account as accurate without disclosing the method of verification or resolving my legitimate concerns. 

-- - * * Details : * * * * * Creditor : * * XXXX  XXXX * * * Account Type : * * Revolving Credit Card * * * Issue : * * Negative payment history ( late payments ) remains on file despite dispute * * * Equifax Response : * * Verified as accurate * * * Dispute Confirmation # : * * XXXX * * * Date of Dispute Filing : * * XX/XX/XXXX Equifaxs response lacks substantiating documentation or any demonstration of a proper reinvestigation. As a consumer, I am entitled under FCRA 611 ( a ) ( 7 ) to know the method of verification, and Equifax has failed to provide this. This constitutes a failure to comply with their legal responsibilities.

* * Requested Relief : * * 1. Full audit of Equifaxs reinvestigation process related to this account 2. Immediate suppression or deletion of the disputed late payment information unless Equifax can furnish documented evidence from XXXX XXXX 3. Statement added to the file noting this unresolved dispute and CFPB complaint 4. Confirmation of corrective action or next steps within 15 days as required by law * * Attachments : * * * Copy of Equifaxs dispute resolution letter * Summary of original online dispute submission ( filed via Equifax online portal, XX/XX/XXXX ) I respectfully request the CFPB enforce compliance and protect my rights as provided by federal law. This situation has negatively impacted my creditworthiness and is obstructing my access to fair credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX Account Name : XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Crow Creek Sioux Tribe
State: OR

Complaint narrative:
when i got the loan there was no documentation telling me what the interest rate was or what the payments would be i had to agree to the loan only later to find out what was a XXXX dollar loan has turned into a XXXX dollar loan the interest rate is XXXX percent i had to immediately send back XXXX dollars just so the interest wouldnt hurt me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX DOB XX/XX/year> XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX GA S.S XXXX CASHAPP - WHEN I WOUD TRY TO ACCESS MY ACCOUNTS THEY WOULD CREATE A NEW ACCOUNT AFTER ID VERIFY MY ACCOUNT. THERE ARE MULTIPLE ACCOUNTS - $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX $ XXXX XXXX MY XXXX ACC NAME WAS CHANGED AND WHEN I FINALLY LOCATED THE ACCOUNT THE NAME ON THE ACCOUNT WAS XXXX XXXX XXXX THE ACC XXXX  - I WOULD CALL AND VERIFY WITH MY SOCIAL AND BDAY BUT THEY WOULD NEVER GIVE ME ACCESS TO THE DIGITAL ACCOUNTS AND THE STATEMENTS XXXX  OR MY XXXX XXXX. FOR SOME REASON SOMEONE CHANGED THE ACCOUNT SO THAT WHEN I DID TRY TO ACCESS THE ACCOUNTS IT SAID THAT I WAS UNDERAGE XXXX, XXXX, XXXX  AND XXXX  SOMEONE WOULD DO WHATEVER ON THE ACCOUNT THEN WOULD CLOSE THE ACCOUTNS AND OR CHANGE EMAIL AND OR NUMBER SO THAT I COULD ACCESS THE ACCOUNTS XXXX, XXXX XXXX AND XXXX  HAVE ALL BEEN BRECHED AND BEEN CHANGED AND THE EMAILS THAT THEY WAS ATTACHED TOO HAVE BEEN LOCKED AND OR CHANGED XXXX XXXX PHONE ACCOUNTS MY PHONES WOULD BE STOLEN AND THEN THE ACCOUNT INFO WOULD GET CHANGED AND MY XXXX  ACCOUNT THAT I HAD PAYED FOR THE PREMIUM WAS CHANGED. 
A XXXX I HAD PAID FOR MULTIPLE SERVICES AND ON THE ACC I HAD ID BANK CARDS AND IMPORTANT DOCUMENTS THAT WAS ON THERE EMAIL ; XXXX ALSO I WAS SAPPOSED TO GET A XXXX AND A XXXX CHECK VIA XXXX THAT SAID WAS DELIVWERED BUT WAS NEVER RECIVED IM ASSUMING THAT THIS IS A PERSON THAT IS CLOSE TO ME AND IN THESE LAST COUPLE OF YEARS THESE PEOPLE HAVE HAD ME XXXX  AND IN AND OUT OF XXXX. A LOT OF THIS STUFF THAT I HAD WROTE DOWN HAS BEEN STOLEN I KNOW THAT I WAS SAPPOSED TO GET 2 LARGE AMMOUNTS OF MONEY ONE FROM XXXX AND FEDERAL RESERVE THERE HAS BEEN CLAIMS ( I THINK ) DONE IN MY NAME THATR WASNT ME AND SEVERAL LOANS DONE AS WELL....

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/XXXX To : Transunion & CFPB XXXX XXXXXXXX XXXX, XXXX, PA XXXX Subject : Formal Identity Theft Dispute Immediate Deletion and Permanent Suppression of Fraudulent Accounts Dear Transunion, I am contacting you as a documented victim of identity theft resulting from the catastrophic XXXX XXXX  data breach, in which my personally identifiable information was unlawfully accessed and later used to fraudulently open accounts in my name. 

As shown in the enclosed FTC Identity Theft Report, these accounts were not opened or authorized by me and are the result of criminal misuse of my personal information. These fraudulent accounts are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., and they must be removed immediately. 



Legal Demand for Deletion Within XXXX Days Pursuant to 15 U.S.C. XXXX, you are legally obligated to block and delete information resulting from identity theft within XXXX ( XXXX ) business days of receiving proper documentationwhich I have provided herein. This includes : A copy of my FTC Identity Theft Report, A government-issued ID, and Proof data breaches Failure to comply will constitute willful noncompliance and expose your agency to civil liability, as affirmed in XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 



Do Not Reinsert Per 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ) Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( B ), you are strictly prohibited from reinserting any previously deleted information unless you certify its accuracy and notify me in writing within XXXX ( XXXX ) business days of reinsertion. 

Let this serve as formal notice that I will pursue immediate legal action and file complaints with the CFPB, FTC, and my State Attorney General if any of these fraudulent accounts are ever reinserted into my credit report without full compliance with the law. 



Enclosures : FTC Identity Theft Report Government-issued photo ID Proof of data breaches Final Notice Before Legal Action You are hereby put on notice that : These accounts are fraudulent and must be permanently deleted. 
Reinsertion of any deleted item will trigger legal enforcement. 
You have XXXX ( XXXX ) business days from receipt to comply and confirm the deletion in writing. 

I strongly recommend your full cooperation to avoid statutory damages, punitive damages, and civil litigation under the FCRA and related consumer protection statutes. 

Sincerely, 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 2025-08-02 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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