vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. 
YOUR COMPLAINT In XX/XX/year>, a collection account from XXXX XXXX XXXX for the amount of {$7000.00} was added to my credit reports. I did not recognize this debt and immediately exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by sending a debt validation letter to the company requesting proof that the debt was mine, a breakdown of charges, and evidence that they were legally authorized to collect this debt. I sent the letter via certified mail on XX/XX/year>. Despite the company receiving my request, they have not provided any of the required documentation. They also continued to report this account to XXXX  without validating the debt, which violates the FDCPA and the Fair Credit Reporting Act ( FCRA ). Because this debt has not been validated, and I have not received a response within the 30-day timeframe, I am requesting that this collection account be immediately removed from my credit report and that the company cease all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/year>, my phone was stolen and several unauthorized transactions were made on my debit and credit card. Over {$300.00} was sent to an unknown person via Cash App and almost {$100.00} was spent on XXXX XXXX. I was told that I needed to settle any and all disputes with my bank. The change is still pending on my XXXX account until it gets paid, so I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: Westcreek Financial
State: VA

Complaint narrative:
I needed to finance an auto repair job that was {$2600.00} on XX/XX/year>. I went through 'Koalafi ' for coverage of the amount due. They give you the option to finance the amount over 12 months or 24 months. Unto my knowledge, this company has a stipulation of paying it all back in less than 90 days. If you fail to do so, they will double or triple the total amount due based on the monthly terms you chose by putting you on a 'lease-to-own ' program. Your monthly payments increase automatically withdrawn from your bank account calling it " rental pay costs '' for parts and services. To date, I have paid over {$6400.00} for the auto repair. The total I owe to the company is {$8300.00} It is highly deceitful terms and conditions. It is unreasonable and also seems unlawful to force someone to pay over 3 times the amount of coverage added. It has done considerable damage to my personal finances. 

Stay away from this company! They are thieves!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/year>. I sent a cease and desist letter and a request to validate debt to COMENITY CAPITAL BANK - XXXX XXXX XXXX XXXX, OH XXXX Comenity capital bank continues to contact me via email in attempt to collect debt they have failed to validate with in 30 days. Comenity has violated fair debt collection practices 15 us 1692c ( c ) to be exact.

I have also disputed with XXXX  to delete my file as comenity has failed to validate debt in writing. XXXX  did not conduct an investigation required by FRCA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: American Credit Acceptance, LLC
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX XXXX I am writing to dispute the following information on my credit report, pursuant to 15 U.S.C. 1681i of the Fair Credit Reporting Act. I want this company off my credit on 3 credit bureaus violating my privacy to the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: LEXISNEXIS
State: VA

Complaint narrative:
I am submitting a follow-up complaint against LexisNexis regarding my consumer file. I previously opted out permanently in XX/XX/year>. After filing a CFPB complaint in XXXX, I received a email from lexisnexus asking about the information Im disputing. Later I get a letter stating Im permanently opted out from lexis nexus and XXXX XXXX Why did I get a letter in XXXX? When my opt out was approved in XXXX? However, LexisNexis silently removed far more serious and incorrect data from my file without acknowledgment, transparency, or accountability. 
Issues they silently removed : A mortgage linked to a Michigan property under a womans name with XXXX children ( not me ). Numerous duplicate or incorrect addresses. Phone numbers not associated with me. Incorrect names. Over XXXX email addresses that do not belong to me ( including from XXXX, XXXX, XXXX, XXXX, etc. ) These items were not listed in their official response. It is clear they made sweeping silent changes to avoid admitting how deeply flawed their data linkage was especially associating me with someone elses household, location, and financial records. 
I demand : A full written breakdown of every single item removed. An explanation of how this erroneous data was tied to me in the first place. Confirmation that this misinformation was not shared with third parties ( creditors, insurers, government agencies, etc. ) I am concerned about long-term harm from this incorrect data. I am documenting all activity and will escalate if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year> i transferred {$1300.00} from one checking account to another, the transfer went through! Then this citation or court order came on XX/XX/year> and the {$1300.00} was transferred back to the other account then Garnished? I am XXXX XXXX XXXX Veteran and all I rely on is my VA pension and my SSI! This action has affected me tremendously!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: NJ

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. 

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. 

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face. 

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. 

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. 

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
The actual payments listed vary and do not match the scheduled payment amount. If I was on a payment plan or hardship program, that needs to be properly documented and noted. Reporting differing payments without context is incomplete and misleading.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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:
The letter was send out in XXXX. they responded with a letter saying verified. I asked for proof and the method of verifaction and the did not send that information.

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 2025-06-08 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: NJ

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. 

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. 

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face. 

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. 

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. 

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.

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 2025-06-08 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: NJ

Complaint narrative:
I am writing to formally demand immediate action regarding a serious data breach that resulted in the unauthorized exposure of my personal and financial information. This is an egregious failure of data protection that has put me at significant risk of fraud, identity theft, and financial harm. 

Despite my trust in financial institutions and regulatory bodies to safeguard my sensitive information, it has been recklessly compromised. This breach is not only unacceptable but also a direct violation of consumer rights and data protection laws. I demand a thorough investigation into the matter, along with immediate corrective measures to ensure that such negligence does not continue unchecked. 

As a victim of this breach, I expect the following actions : A full report detailing how and why my information was compromised, including what specific data was exposed. 

Accountability from the entity responsible for this breach, with clear steps outlined on how they will rectify the damage. 

Financial protection and recourse, including credit monitoring, identity theft protection, and any necessary compensation for the risks I now face. 

Regulatory enforcement, ensuring that those responsible for this gross mishandling of consumer data face the appropriate consequences. 

I will not tolerate vague responses or empty assurances. If sufficient action is not taken immediately, I will escalate this matter further, including seeking legal counsel and contacting relevant consumer protection agencies. 

This breach has caused undue stress and risk to my financial well-being, and I expect a swift, transparent, and effective response.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance {$560.00}, XXXX XXXX XXXX XXXX Balance {$490.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX, XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX XXXX Balance {$560.00}, XXXX XXXX XXXX XXXX Balance {$490.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-08 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: IL

Complaint narrative:
I am filing this complaint against TransUnion, Experian, and Equifax for failure to conduct a lawful and reasonable investigation under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ). I submitted disputes concerning fraudulent and inaccurate accounts, but the credit bureaus failed to remove or validate the information in accordance with federal law. 

The following derogatory accounts were disputed and remain inaccurately reported : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Opened : XX/XX/XXXX | Owed : {$570.00} XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Owed : {$730.00} XXXX. XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Owed : {$450.00} XXXX. XXXX Acct # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX | Opened : XX/XX/XXXX | Owed : {$2100.00} XXXX. XXXX XXXX XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX | Owed : {$530.00} These accounts do not belong to me. They were opened without my authorization and were not validated with any original signed contracts or legally sufficient documentation. The continued reporting of these accounts violates : - FCRA 1681i ( a ) Failure to reinvestigate - FCRA 1681e ( b ) Failure to report with maximum possible accuracy - FCRA 1681n and 1681o Liability for willful and negligent noncompliance The bureaus have relied solely on responses from data furnishers without investigating or producing original evidence, as required under * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) * and * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) *.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
I requested a dispute on my XXXX XXXX XXXX XXXX card, I requested the lender XXXX to validate deb, as it retains inaccurate information, the amount is not correct and comenity has failed to validate debt. I requested Experian to investigate and report results in writing which has failed to do so. 
This account must be deleted as the status is not correct, the amount is not correct. 
This information is NOT CORRECT & NOT ACCURATE. There For it must be DELETED IMMEDIATELY. 
This is a clear violation the FCRA as this is not accurate or complete. DELETE THIS IMMEDIATELY! 
Experian failed to conduct an investigation and provide proof of findings.

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 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Experian XXXX XXXX XXXX  XXXX, TX XXXX Subject : Dispute of Incorrect Address on Credit File Dear Experian, I am writing to formally dispute inaccurate information on my credit report. Specifically, the report lists an address that does not belong to me. I previously reported this incorrect information in correspondence of XXXX but did not receive a response. This incorrect address is XXXX, XXXX, FL, XXXX. 
I believe this information is inaccurate because I have never lived at this address. I request that this incorrect address be removed from my credit file immediately. 
To assist in the investigation, I have enclosed the following documents : 1. A copy of my government-issued ID.

2. A copy of my recent XXXX insurance bill confirming my current address. 
3. A copy of my credit report with the incorrect address highlighted. 
Please investigate this matter and correct the error promptly. I request written confirmation once the address has been updated. Additionally, if the investigation does not resolve the dispute in my favor, please provide a detailed explanation of your findings and a copy of the evidence used to support your decision. 
I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : Copy of ID Proof of current address Highlighted 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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
From XXXX XXXX XXXX This account deleted from my credit reports. 
Subject : Demand for Removal of Reinserted Item in Violation of FCRA XXXXection 611 ( a ) ( 5 ) ( B ) Account : XXXXXXXX XXXX XXXX I am writing regarding an item that was previously deleted from my credit report following a dispute I submitted under my rights provided by the Fair Credit Reporting Act ( FCRA ). 

I reviewed my credit report and noticed that the same item has been reinserted without any prior written notification. According to FCRA Section 611 ( a ) ( 5 ) ( B ), a consumer reporting agency that reinserts previously deleted information must provide the consumer with written notice within five ( 5 ) business days, including the name, address, and phone number of the party who furnished the information.

As of today, I have not received any such notice, which is a clear violation of federal law. Therefore, I am demanding the immediate removal of the reinserted item, as the reinsertion was not carried out in compliance with the FCRA.

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