vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I'm referencing my earlier CFPB complaint # XXXX, and Comenity Bank 's response to it. Please also see attached the resonse letter from Comenity Bank to that effect.

Comenity 's responses, both previous and current, are both clear as mud. They refer to some undisclosed " set of business rules '' that continuously cause all my Comenity cards ( XXXX XXXX, XXXX XXXX, XXXX Card ) to be declined to be added to my XXXX XXXX, yet would not disclose what those rules are or what is truly causing my cards to be declined to be added. I don't have this issue with any other U.S. card issuer, so Comenity and Bread Financial appear to be " unique '' in " blowing on water '', so-to-speak. As I'm sure any consumer would, I would very much appreaciate knowing the specific reason or reasons for the decline, not just a vague statement that Comenity and Bread Financial flat-out decline to add my Comenity cards to XXXX  due to their undiclosed " set of business rules '' that " operate as intended '' to decline all of my Comenity cards from XXXX  every single time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
This complaint is about a separate Barclays credit card account ending in XXXX that was reported as a charge-off. This issue is completely different from any other complaint and concerns a lack of legal validation for a charge-off, not a late payment. 
I requested from Barclays the required documentation to justify the charge-off, including proof that billing statements were mailed or delivered at least XXXX days before each due date ( as required under 15 U.S.C. 1666b ), proof that the statements contained the disclosures required under 15 U.S.C. 1637 ( b ), and proof of the negative-information notice required under 15 U.S.C. 1681s-2 ( a ) ( 7 ). 
Barclays did not provide ANY of this legally required evidence. They only provided internal statements, which do not show mailing, delivery, compliance with disclosure laws, or issuance of the negative reporting notice. Because they have not validated the charge-off according to federal law, the charge-off is unverified and is being inaccurately reported. 
I am filing this complaint because this issue involves a charge-off that Barclays has failed to validate, and it is harming my 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 2025-11-21 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: TX

Complaint narrative:
This is my third complaint against Experian for violating FCRA XXXX XXXXB. I submitted a complete identity theft block request in XXXX, including a valid FTC Identity Theft Report, police report, identification, and proof of address. Under the law, Experian was required to block and delete the fraudulent accounts within XXXX business days. They did not. 

Instead of performing the required XXXX block, Experian ran a standard investigation, marked the fraudulent accounts as verified, and continued reporting them. This is already a violation. 

Now, months later, Experian added a security alert to my file on XX/XX/year>. A security alert is not a XXXX block and does not delete any fraudulent accounts. This proves Experian is still refusing to comply with the identity theft block requirements even after XXXX active CFPB complaints. 

Experian has never provided documentation supporting their claim that my identity theft report was in error, which is required under XXXX ( c ) ( XXXX ). They have also continued reinvestigating and updating accounts that should have been deleted. 

I am not requesting corrections, updates, or explanations only the mandated deletion of all fraudulent accounts.

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 2025-11-21 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within XXXX days as required by FCRA XXXX ( b ) ( 15 U.S.C. XXXX ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

BANK XXXX XXXX, XXXX. 
Account number XXXX Account type Auto Loan Date opened XX/XX/XXXX Balance {$39000.00} Account name XXXX XXXX BANK XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$240.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: RI

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. CXX/XX/XXXXe XXXXb - Permissible purposes of consumer reports The Law clearly states : ( XX/XX/XXXX ) In general Subject to subsection ( XX/XX/XXXX ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. CXX/XX/XXXXe XXXXe - Compliance procedures- ( XX/XX/XXXX ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( XX/XX/XXXX ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall --XX/XX/XXXX) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; andXX/XX/XXXX ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XX/XX/XXXX and CREDENCE RESOURCE MANAGEMENT. I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the XXXX and FDCPA. 

Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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 writing to dispute the following inquiries that have appeared on my Equifax credit report. I believe these inquiries are either unauthorized or incorrect, and I request that they be investigated and removed. 

XXXX Inquiry Date : XX/XX/year> XXXX Inquiry Date : XX/XX/year> I request that these inquiries be verified and removed from my credit report, as they may have been reported incorrectly or without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XXXX Upon checking my credit report I has hard inquires that I had not authorized. 
The following hard inquiries on my credit file are inaccurate and were not authorized by me. I did not grant written, electronic, or verbal authorization for these pulls, and no permissible purpose exists under FCRA XXXX for these inquiries. They must be deleted from my credit file. Companies are XXXX XXXX BANK, XXXX XXXX XXXX, and XXXX OF XXXX XXXX XXXX XXXX XXXX OF 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 2025-11-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: GA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-11-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
On XX/XX/year> I sent ConServe a written dispute and request for full debt validation regarding an alleged XXXX XXXX account. I requested the signed contract, full accounting/ledger, and proof of assignment under FDCPA XXXX ( b ). They have not responded or validated the debt. They continue to contact me by mail attempting to collect an unverified debt with no evidence I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

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 2025-11-21 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Im sending this because these accounts are on my credit report and none of them belong to me. I never opened them and they belong to someone else with a similar name. The bureaus verified them without showing any signed applications, full SSN matches, or any real proof. This is a clear mixed-file / wrong-person error. Courts have held bureaus responsible for these types of mistakes ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and regulators like the CFPB and FTC have taken action against bureaus for failing to follow proper procedures. Large data breaches, like the Equifax breach, show why these errors happen and why the bureaus must be extra careful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
b'I put a listing on XXXX XXXX on XXXX for a loft bed I was trying to sell. On XXXX  later that day, the person messaged me and said they had sent me payment through Cash App. I checked my email account and received an email from what appeared to be Cash App, saying there was an issue with processing my payment. It said since I had a personal account and the other person had a business account that I could not receive payment and that they would have to send me XXXX  more. At the bottom of the screen, it gave a number to contact to resolve the issue. The person on XXXX told me to call that number, so I did. The person posing as Cash App tech support asked me how much money I had in my bank account before and after the purchase was made. They walked me through how to verify my identity and then had me adXXXX XXXX to my Cash App account. Then they had me buy XXXX with the money and send the XXXX  to the link that the person on XXXX gave to me. The email came fromXXXX XXXX XXXX XXXX  They called me on XXXX fromXXXX XXXX The person on XXXX was named: XXXX XXXX They also tried the exact same scheme but through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am submitting this complaint regarding unauthorized use of two Capital One credit card accounts that I opened but were later compromised. My credit card information was stolen and used without my authorization while I was XXXX I discovered the fraudulent use of these two accounts on XX/XX/year>. 

The affected Capital One accounts are : Capital One account number : XXXX Capital One account number : XXXX I did open these accounts ; however, I did not make or authorize the charges that occurred during the time I was XXXX I did not give anyone permission to access, use, or possess my credit card information. Because I was XXXX during the period these transactions took place, all charges made during that time are fraudulent.

I attempted to resolve this directly with Capital One, but the issue remains unresolved. I am requesting the assistance of the Consumer Financial Protection Bureau to ensure this issue is properly investigated and corrected.

I respectfully request : 1. A full investigation into the unauthorized use of my accounts.

2. Removal of all fraudulent charges made during my incarceration.

3. Correction of any negative credit reporting connected to this fraud.

4. Written confirmation that I am not responsible for the fraudulent activity.

I can provide proof oXXXX XXXX for the relevant dates and any additional documents needed for this investigation.

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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