vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
After carefully looking at my credit report and my credit score dropping XXXX points, I noticed Affirm has me in a delinquent status.. However I've never had an account with that company.. When I called to obtain information, the representative by the name of XXXX XXXX she refused to give her last name ) stated she was unable to pull any information on an account with my name on it.. I then asked her if she could send me documents on what she just told me and she said she could not send me anything saying, she could not locate an account in my name... I asked her why she couldn't send it, and she said because it's against company rules.. So my question is, if they were unable to locate an account, why are they reporting me to the credit bureau? My credit score dropped XXXX points and I am trying my hardest to increase my credit score, this is so unfair to a person trying really hard..

They were NOT able to pull up an account for me with me phone number or email address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Your reporting contains inaccurate and incomplete information that directly violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, specifically concerning the use of an old and outdated address. The continued reporting of this account with such inaccuracies is misleading and damaging to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
I received a letter stating that I owe XXXXXXXX XXXX XXXXXXXX. Which is not correct. I had opened up a membership and when I told the lady if it was per contract she said it wasnt. She said I can cancel at anytime. I ended up paying maybe 2 months of the membership then decided to cancel because I was not going to the gym as I thought I would. Before canceling i dont know what the lady did wrong but I wasnt given a barcode because in the system I wasnt showing up until weeks later. So every time I would go I would tell them that I didnt have the barcode and they would just let me in without having to scan. Last time I went to the gym was around XX/XX/year>, then. Canceled I dont understand why they keep trying to bill me and send me to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am not satisfied with my purchase of glasses from XXXXXXXX XXXX XXXXXXXX XXXX. the lenses don't work for me. After bringing back twice for 'adjustments ', once in XXXX in addition to picking them up the first time ; and once in XXXX after picking up the first time. Lenses did not work during XXXX period. I waited until my follow up appointment on XX/XX/XXXX to see if the issue was the prescription. There was a change to the prescription. leading up to the follow up appointment, I was treated like I was the problem. I was told I would be charged for future 'adjustments '. I inquired to the manager the next day about the adjustments going to be charged and that I was not happy with their services. At this point I only wanted 1 of the 2 pairs of glasses, the everyday pair if they worked with new prescription. Manager tells me that they have been dealing with me since XXXX. I had the exam on XX/XX/XXXX, I did not have the glasses until XXXX weeks later in XXXX. The manager waves credit contract in my face. I told her I only pay for merchandise that WORKS for me, not to satisfy a commission. During the conversation, an employee told her of the change to prescription. Now she says its a do-over and still would not explain why I was told I would pay for any future adjustments. Manager also tried to push the the glasses were custom. Only the lenses are, not the frames and the lenses did not work. I am not paying for something that does not work for me with people who treat me like a cash cow, not a customer to assist. The lenses were the problem but I am told I have to pay for adjustments and have credit contract waved in my face? Comenity Capital Bank says I have to take up with XXXX they only concerned with purchase amount being correct not if merchandise works. I have sent a letter to XXXX 's corporate office. I am not paying for the glasses and I do not have in my possession. They are still at the store at XXXX XXXX in XXXX. Disputing original amount of {$1900.00}. Get your prescriptions and lenses right instead of having an attitude of holding my credit XXXX. I never received a receipt of the purchase only the statements from bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number 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, Date Opened : XX/XX/XXXX, Balance : {$2100.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6900.00} XXXX EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} DPT EDXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2200.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: TX

Complaint narrative:
I changed my profile name again this morning because I was alerted by my bank that an auto payment had been created that I did not request. I specifically removed the auto payment. I have had to be very diligent about changing any and all identifying information, across all of my accounts, whether it be through an app, brick and mortar businesses, and/or online account ( s. ) I changed only my viewable name this morning and which the app did, however they added my legal last as well. When I tried to change it back to XXXX, the app denied it because I had changed more times then they allow. I requested to speak with an actual person to request it just be changed back to XXXX like it was just a short time before and was refused. I did NOT ask for my legal name or cash tag be changed, only what's viewable by others. I have had an emergency protective order in place since XX/XX/year> that states my name should not be viewable. I know that Cash App will not change my cash tag or legal name. That is not at all what I was asking to be changed. I am aware of their policies and was not asking for that to be changed. I only wanted what was available to the public to be changed, as I have before a few times. I have to change all my account ( s ) info regularly because I am also having issues with identity theft and fraud in addition to the XXXX event. Cash App refuses to simply revert the preferred name change I had just made, back to what it was less than 15 minutes before. Not my legal name or cash tag name. I was quite clear about having a PO in place that requires my information be protected to ensure my safety. I asked no less than 10 times during the chat with the online representative that only my preferred name be changed back and still, absolute refusal. I realize that other people choose to make choices that are not wise however, that is NOT the case in my situation. How can there not be an exception when there's is a verifiable legal obligation/requirement in place for my safety. It's not my choice. I didn't choose what happened to me. I don't get to choose what part ( s ) of the XXXX  I follow, neither does the person who it is against, and certainly not any business or organization. I tried to offer the information about the XXXX to the representative to verify the XXXX and still, no help. Please, I need what I can choose changed and they need to know that there are legally binding exceptions to their policies. Why am I not allowed to protect myself as much as possible and why are they allowed to not follow an order?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9900.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Between XX/XX/XXXX and XX/XX/XXXX, I paid XXXX XXXX  ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ) using my Barclays XXXX XXXX XXXX XXXX credit card.

These charges, totaling {$96000.00}, were for promised business funding/HELOC/SBA services that were never delivered.

I have invoices and text messages showing repeated misrepresentations, such as closing this week, a {$74000.00} lien delay ( 2045 days ), and refund promises ( 1014 business days ).

None of these refunds or services ever occurred.

I filed disputes with Barclays. On XXXX XXXX, XXXX, Barclays credited all six charges and mailed a credit-balance refund check on XXXX XXXX, XXXX. Barclays later reversed the credits after merchant representment, despite the merchants providing no proof of actual services delivered. 

This is a billing dispute / services not rendered case under Regulation Z, and Barclays has failed to resolve it properly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: NC

Complaint narrative:
Great! Heres a revised template with all your information included for each credit bureau : -- - * * [ Your Name ] * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Email : XXXX Phone : XXXX * * Experian * * XXXX XXXX XXXX XXXXXXXX, TX XXXX * * TransUnion * * XXXX XXXXXXXX XXXX XXXX, PA XXXX * * Equifax * * XXXX XXXX XXXX XXXX. 
XXXX, GA XXXX -- - * * Subject : Dispute of Inaccurate Information Under the Gramm-Leach-Bliley Act * * I am writing to formally dispute certain information on my credit report that I believe to be inaccurate. I am a consumer protected under the Gramm-Leach-Bliley Act ( GLBA ), and I request that this matter be investigated promptly. 

* * My details are as follows : * * - Name : XXXX XXXX - Date of Birth : XX/XX/XXXX Upon reviewing my credit report, I noticed the following entries that I wish to dispute : 1. * * XXXX XXXX Account * * - Account Number : XXXX ( or provide the full number if you have it ) 2. * * XXXX  XXXX Account * * - Account Number : XXXX ( or provide the full number if you have it ) I request that you conduct a thorough investigation into these accounts as per GLBA guidelines. I believe the information reported is incorrect and could be affecting my credit score and overall financial well-being.

Please provide me with the results of your investigation as soon as possible. Under the FCRA, I am entitled to know the outcome of this dispute and any changes made following your investigation.

Thank you for your immediate attention to this matter. I look forward to your

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: GA

Complaint narrative:
I am filing this complaint with Experian after noticing fraudulent names, addresses, and social security numbers on my Experian report. My information was found in the XXXX  data breach and National Data data breach. There were 3 social security numbers reporting to my Experian report. My name is XXXX XXXX XXXX. The address XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is fraudulent. The account XXXX XXXX XXXX ( Account No. XXXX ) opened on XXXX is also fraudulent. I have attached a copy of the identity theft report I filed with the FTC, my drivers license, my social security card, and a bank statement.

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