vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-15 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
XXXX XXXX calls in the early morning from multiple spoofed XXXX  numbers that claimed my XXXX was compromised by a scammer attempting to send themselves roughly XXXX in payments and I was ultimately tricked into sending money thru apple pay in the amount of {$910.00} to the zelle account associated with the phone number ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Marlette Funding, LLC
State: FL

Complaint narrative:
Fraudulent Clauses ) XXXX XXXX XXXX XXXX XXXX XXXX  The lender did not provide lawful money but used your signed promissory note to create credit. This constitutes constructive fraud and misrepresentation of consideration. 
Violations : TILA 15 U.S.C. 1605 ( a ), FDCPA 1692e ( 2 ) ( A ), UCC 1-201 ( b ) ( 21 ), 3-603. 

X Origination Fee & Hidden Finance Charge The {$1500.00} origination fee was withheld before funding, yet interest is charged on that amount. This creates a hidden finance charge and deceptive APR calculation. 
Violations : TILA 1638, Reg Z 1026.4, FDCPA deception provisions. 

X Unauthorized Security Interest Fixtures at your residence were pledged as collateral without lawful UCC-1 authorization or true debtor consent. This is an unlawful lien creation and conversion of property. Violations : UC
C 9-203 ( b ) ( 3 ), TILA 1638 ( a ) ( 9 ), State consumer property protection laws.

X Arbitration & Waiver of Rights The arbitration clause strips the borrower of judicial remedies and forces binding arbitration, constituting unconscionability and unlawful waiver of statutory rights.

Violations : 15 U.S.C. 1639c ( e ) ( 3 ), XXXX XXXX XXXX XXXX ( a ), UCC 2-302 .

X Assignment & Hidden Securitization Loan rights are transferred and recorded in a Register with Marlette Funding , LLC, enabling securitization without disclosure to the borrower.

Violations : TILA 1641 ( g ), RESPA 6 ( d ), UCC 3-501 ( b ) ( 2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXX of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-15 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
I am submitting this complaint under 15 USC 1681c2 because ChexSystems and/or XXXX XXXX XXXXXXXX is reporting information I did not authorize. I never gave written or verbal consent for my personal data to be collected, stored, or shared. This qualifies as identity theft under federal law. I submitted a complete Block & Delete dispute package including my FTC Identity Theft Report, government-issued ID, Social Security card, proof of address, and a formal written letter demanding deletion. I requested documentation proving I authorized the reporting of this information, and the company failed to provide it. I am requesting permanent deletion of the unauthorized data from my consumer file. 

Attached to this complaint is my full dispute packet.

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 2025-10-15 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: CA

Complaint narrative:
There are errors being reported on my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report contains incorrect and misleading items.

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 2025-10-15 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: CBC Companies, Inc.
State: MN

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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank closed my account and ended up the relationship with me in XXXX, the reason was overdraft but I was scammed when I shopped online through XXXX, they got my account information and kept charging and overdrafting my chase bank account through XXXX which I couldnt prevent.Chase is XXXX of the most convenient banks for me, I wish chase can understand my situation and giving me another chance to have the banking relationship with chase bank, I really appreciate if that possible. ( I uploaded XXXX of the payment details, Ive never lived in CA before, they kept charging from my chase Account overdraft the account and sending the order to someone else and put under my name )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: GA

Complaint narrative:
have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: MD

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continues to report a charged-off account on my XXXX and TransUnion credit reports even after I exercised my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to request validation and proof of ownership. 

On XX/XX/year>, I mailed a formal Debt Validation and Reporting Dispute ( Exhibit XXXX  ) via certified mail to XXXX address in XXXXXXXX XXXX My letter requested a copy of the original signed contract, a full accounting of charges, and proof that XXXX retained ownership or the right to report this debt. The XXXX delivery record ( Exhibit XXXX ) confirms receipt. 

Rather than providing validation, XXXX issued a form response dated XX/XX/year> ( Exhibit XXXX ) that merely stated their reporting is accurate. No supporting documentation was enclosed. I then followed proper procedure by disputing the tradeline with TransUnion and XXXX ( Exhibits XXXX XXXX XXXX XXXX ). Both bureaus confirmed that XXXX verified the account through their automated e-OSCAR system but again, no documentary proof was ever produced. 

This unverifiable reporting has caused measurable harm, including increased interest rates and difficulty obtaining new credit. 

This complaint is not just about my account. It reflects a systemic issue where automated verification loops undermine the rights of consumers under FCRA 607 ( b ) and 611 ( a ) ( 5 ). When a company can simply click verified without showing a single page of evidence, the spirit of the law to ensure accurate, verifiable reporting is lost. 

Under FCRA 623 ( c ), consumers retain a private right of action when a furnisher fails to investigate properly or continues reporting information it can not substantiate. I am not alleging willful malice but rather a pattern of indifference where automated processes are used to satisfy statutory deadlines instead of addressing the substance of the request. These responses do not help consumers who are legitimately seeking clarification, protection from identity misuse, or proof of a lawful debt. 

Both XXXX  and TransUnion have remained silent since their verified notifications and have not provided any written documentation or method-of-verification records in response to my mailed reinvestigation requests. Their lack of response represents a potential FCRA 611 ( a ) ( 5 ) compliance failure.

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 2025-10-15 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: NY

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I received a card from milestone which I never activate but lost I order another card, I still have not activated it. But today I tried to activate it but when I went on line I had a balanced {$20.00} I connected my bank to pay the bill which I was waiting to activate from my daughters birthday XX/XX/year> but now when I want to used the card it will not let me used the card until the payment is completed which is 1-2 business day now need to used the card but cant they called to disclose this information and how do I have a monthly fee when I never activate the card

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: PA

Complaint narrative:
XX/XX/XXXX at XXXX Attempted to make a cash deposit into my checking account using the First National Bank ATM located at XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, PA XXXX. 

The ATM ate the XXXX {$1.00} bills and didn't return nor deposit them. The ATM gave me a " XXXX XXXX XXXX. '' I attempted to go to the location to talk to a teller on XX/XX/XXXX but the bank was closed for XXXX XXXX. I returned today, XX/XX/XXXX, and was informed that because my checking account wasn't with First National Bank, they couldn't help me. I realize {$8.00} isn't much, and I'll certainly survive without it but for a bank to blatantly steal your cash then not rectify it when presented with proof, is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-15 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-15 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: IL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-15 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: CO

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized may appear on my credit report. Since I never provided authorization, I am demanding the immediate removal of this unauthorized inquiry. 

If you can not provide documented proof that I granted permission, you are legally required to delete this inquiry without delay. The continued presence of these unauthorized inquiries has caused significant financial and emotional harm.

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 2025-10-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX I bought a treadmill. I financed it through XXXX XXXX Financing. They wouldn't let me create an account without the physical card, they would not provide me with a card number. Because I could not make an account to pay my bill I got a late payment which progressed into a derogatory mark on my credit score. This is the literal only negative mark I have on my entire credit history. 

While annoying I decided to just eat it and deal with it. Fast forward to today, ( that was about a year ago ) I once again tried to log in and erase the debt. I have been paying off all my debts and loans and this is the last amount left. 

Yep, I can't log in and recover my username or my password without my physical account number which is no where to be found, they were not sending me paper statements anymore. online I couldnt find it either, they would not mail me the entire account number. 

Calling them would result in them telling me to call back later. 

So i told them that my card was lost or stolen ( because technically it was lost ) They reissued me a card. While this card was apparently respawning ( its been XXXX weeks I asked for a new card a very long time ago ) ANOTHER LATE FEE spawned onto my account. Once again mirroring the first fiasco. I'd like to add, I'm a self made successful businessman - My credit history is literally perfect. I have enough cash now to buy this stupid treadmill literally XXXX times. Besides THIS. This XXXX company and this XXXX  store card has been the bane of my existence because it literally is the ONLY account to EVER have had XXXX marks against my credit score and ITS ENTIRELY NOT EVEN MY FAULT. 

So I just called them today on XX/XX/year> and the very nice woman who helped me explained she couldn't process a payment because the new card was generating. But While its generating im still getting late fees. WHAT. So now I'm here filing an official complaint against XXXX XXXX whatever their name is. Horrible company and horrible bank. I'd complain in person but they're only in Washington ( no surprise, with running such a trash company of course they cant expand! )

Company response to consumer: Closed with monetary relief