vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-02 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: NC

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

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 2025-12-02 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: NC

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX i purchased the bed frame. The websites return policy stated that the return window was XXXX weeks for full refund. On XX/XX/XXXX i requested refund and the vendor tried to deny a full refund. I filed a dispute XX/XX/XXXX and attached documentation showing the listed policy and time frame. It was denied XX/XX/XXXX. I called citi to find out why and the representative stated that she was unsure why it was closed with the listed policy and timeline, and to send in proof of original purchase date and she would re-open the dispute. After submitting the requested purchase date and XXXX additional calls the dispute still remains closed.

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 2025-12-02 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: FL

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-02 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: FL

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-12-02 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: TX

Complaint narrative:
These accounts are not affiliated with me ; they should be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

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 2025-12-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I am filing this complaint against BullCity Financial Solutions for failure to verify and validate a debt they are reporting to the consumer reporting agencies. 

On XX/XX/year>, I sent a written debt validation/verification request to BullCity Financial Solutions . In that request, I asked for : Verified ownership of the alleged account The original signed contract or agreement bearing my signature An itemized accounting of the alleged debt Chain of title documenting the transfer or sale of the debt BullCity Financial Solutions did not provide the requested documentation or proper validation. Despite this, they continue to report the negative account ( s ) to the consumer reporting agencies, which is a violation of federal law.

Their continued furnishing without proper verification violates : FDCPA 809 ( b ) Collection activities must cease until verification is provided FCRA 611 Duty to investigate and provide accurate information FCRA 623 ( a ) ( 1 ) ( A ) Furnishers must not report incomplete or inaccurate data As a consumer, I have the legal right to request verification of any alleged debt being collected or reported. BullCity Financial
Solutions has failed to do so and continues to negatively impact my credit profile by furnishing unverified information.

I am requesting that the CFPB investigate BullCity Financial Solutions and require them to either : Provide full, lawful verification and validation of the debt, or Remove all negative reporting from my consumer reports immediately due to failure to validate.

I request that BullCity Financial Solutions provide all required documentation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have contacted the company to remove the incorrect information and they only verify the incorrect information and never provide proof that it is incorrect- sent XX/XX/year> and XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
Ive been contacting self inc. for over a month i cant reach them by anyways and i need to adjust and also receive payment from them and they never respond i tried calls also tried emails no response

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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:
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 may 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 Federal 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 explanation
Consumer complaint received 2025-12-02 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties.

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX -- Balance : {$130.00} - Date Opened : XX/XX/XXXXXXXX XXXX # XXXX -- Balance : {$1000.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$1500.00} - Date Opened : XX/XX/XXXX XXXX  # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX  # XXXX -- Balance : {$760.00} - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX -- Balance : {$4500.00} - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I paid my Big Lots credit card ( issued and serviced by Comenity XXXX XXXX ) in full ( {$250.00} ) to a {$0.00} balance on or about XX/XX/year>. No additional purchases have been made since that date, and there is no longer a Big Lots store in my area, making further use of the card impossible. 
Despite the XXXX balance, Comenity continues to assess monthly late fees ( currently several XXXX dollars ) and reports late payments to the credit bureaus every month. These fees and derogatory marks are invalid because there is no outstanding balance on which a late fee can legally be based. 
I have contacted Comenity multiple times. Representatives were rude and refused to remove the invalid fees or close the account. The fees continue to grow with no principal owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-02 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 not responsible for these accounts ; please have them removed within XXXX  days per USC 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 2025-12-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
I signed up for square up, an invoicing software, in order to take international payments. They asked for my bank account and business email. I invoiced the client and their card was declined because they were in XXXX XXXX and their card was not authorized for use outside of XXXX XXXX. They called their company and got it approved, then the card payment was accepted. After that, square space deactivates my account for " security concerns ''. They won't give me my money until 90 days after the event ( which was last week ) and today is XX/XX/year>. I feel like they falsely advertised their services, took my money, and then did not follow good faith in verifying my account details. I can not appeal and they said the decision was final. 

Is it not on them to verify business details before allowing an account to accept funds? If they want to deactivate my account, fine, but they are causing financial losses to my cash flow because I invoiced a client through them and am not able to receive those funds for 3 months. This is absolutely absurd. I only chose to go with XXXX XXXX instead of other providers because they advertised

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: EQUIFAX, INC.
State: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 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: OH

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Unauthorized Transactions Complaint Summary I am the victim of identity theft and fraud. My wallet, phone, and identification were stolen while visiting XXXX, GA in XX/XX/year>. Following this theft, my Bank of America XXXX ending in XXXX was used for multiple unauthorized XXXX XXXX transactions, totaling {$8300.00}, beginning on XX/XX/year>. I was hospitalized from XX/XX/XXXX to XX/XX/year> for emergency surgeries and was unable to monitor my accounts during this time. I did not authorize these transactions. I do not know who did. I did not provide my information to any merchant. I did not share my PIN or security codes with anyone. I did not write down or store my secure information. I filed police reports in both XXXX, GA ( Case # XXXX ) and XXXX XXXX, FL. XXXX XXXX confirmed my report has been accepted and that suspects may exist. I also contacted XXXX XXXX, who confirmed I do not have an account with them and told me that Bank of America must handle the refund directly. Despite this, Bank of America has delayed resolution of my dispute. I have submitted all requested documents, including police reports, hospital records, signed statements, transaction lists, and XXXX XXXX chat transcripts, but I still have not received my money back.

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 2025-12-02 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:
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 may 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 Federal 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 non-monetary relief