vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 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: NJ

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : 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 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 explanation
Consumer complaint received 2025-07-17 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: GA

Complaint narrative:
b'XXXX XXXX\XXXX\nXXXX\nXXXX XXXX XXXX XXXX\nAXXXX GA XXXX\n\nExperiaXXXX XXXX XXXX XXXX\nXXXX, TX XXXX\n \nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\n\nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX\n2.\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n3.\tXXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nINQUIRIES:\n1.\tXXXX XXXX XXXX XXXX XXXX XXXX \n2.\tXXXX XXXX XXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nXXXX 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am filing this complaint because I have identified multiple items on my credit report that are inaccurate, incomplete, or contain discrepancies. I submitted a formal dispute to the Transunion and attached a detailed letter identifying each account and the specific information that needs to be reviewed. At this time, I am asking for the CFPBs help to ensure that my dispute is properly processed and investigated. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be incorrect, and the credit bureaus are legally obligated to conduct a thorough reinvestigation of each item. My dispute letter, which is attached to this complaint, outlines all the information I am challenging. It is critical that the credit bureaus acknowledge my dispute, investigate each point I raised, and provide corrections where appropriate to ensure that my credit report is both accurate and complete.

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 2025-07-17 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: BARCLAYS BANK DELAWARE
State: NV

Complaint narrative:
I signed up for an online promotion for a flight reservation through XXXX XXXXs which required applying for a credit card. Once the application was accepted, I proceeded to make an online reservation. After making the reservation unfortunately, the layover was not going to work for the family. I then called frontier airline to cancel the reservation and make the appropriate one which at the time they stated to go ahead and cancel the reservation and make the correct selection online. Unfortunately, I was not able to make a new reservation after canceling because I did not have access to the card at the time. When I received my card in the mail, I did nothing with it not even activating it, because I had not used it yet. Under terms and agreements as long as I cancel within 24 hours of reservation I will receive full credit. Because my partner was able to make the reservation using the same process, ( mind you we live in the same house ) I proceeded to cancel my card well within the timeline of 24 hours of even applying for the card to prevent any charges. Barclays send me a billing statement within the first 30 days for the full amount. After speaking on the phone with representatives and management, and giving them a cancellation number and date with appropriate information as requested, they proceeded to send me two statements in the mail in regards to canceling and closing the account ( verification leters ) because of our ongoing back-and-forth explaining to multiple departments and management of thier our issues and thier disregard. On or about the month of XXXX I happen to be checking my credit report and come to find out that they have posted the complete amount straight to collections without notice. In the month of XXXX, I received a collection notice from a company other than Barclays, which was cause for alarm and fraudulent misconduct. Multiple state, and federal violations, as well as within their own terms and conditions on multiple instances. Not to mention the enormous hit it took to my credit over 150 points within a matter of 30 days that affected a multitude of events afterwards.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have received several calls requesting payment, but the company will not provide a breakdown of the principal balance, late fees, and interest rate.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I made a {$270.00} debit card purchase on XX/XX/year>, for a camera bundle from XXXX. The product arrived damaged. I contacted the merchant within a week using what appeared to be a legitimate support email listed on their website. I received no response until nearly three weeks later after I had filed a dispute with Fifth Third. 

The merchant later offered a refund only if I returned the product internationally. I did not accept immediately, but when I finally asked to proceed with the return, the merchant told me they could no longer issue a refund at all due to a claimed fine from their payment processor. This contradicts their original offer and confirms bad faith. 

Fifth Third Bank denied my dispute based on the merchants statement that I refused to return the item but the merchant later refused to refund me even if I did. This proves I was misled. 

I am requesting that Fifth Third Bank re-investigate the dispute using this updated information and reverse the denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am providing relevant background with disputes I had with both Lane Bryant and XXXX XXXX XXXX accounts with Comenity Bank, but I am only requesting your help with the XXXX  account. 

In XXXX, I closed two store credit card accounts with Comenity Bank ( Lane Bryant and XXXX. ) I recently ( XXXX of XXXX ) discovered when applying for a credit card with my Credit Union that I had two instances on my credit report that included several delinquencies and a charge-off, that were negatively impacting my credit history and borrowing power.

I called Comenity to inquire about both closed credit card accounts and found out -- for the first time -- that the interest charges ( {$2.00} and {$1.00} ) that were not brought to my attention when I closed the accounts in XXXX had resulted in multiple cycles of delinquency and one was put in charge-off status. I was advised by a Comenity Bank representative to write a letter to their Disputes Department in XXXX, OH, which I did, requesting they reverse the negative credit reporting. They responded that the reporting was accurate. 

Then I filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX and the response was positive for the Lane Bryant credit card account, which included : ( 1 ) a reverse of all charges to bring my balance to {$0.00}. ( 2 ) an admission of failed customer service that did not meet their standards, and ( 3 ) notification that they have requested the appropriate reporting agencies delete the account from my credit history. 

XXXX responded with the same findings of 1 & 2 above, but refused to request the reporting be removed because they labeled it as accurate. How does it make sense to refund the amount for the delinquencyessentially undoing itbut not request it be removed from my credit history? Furthermore, how can Comenity justify coming to the same conclusion in these nearly identical cases, which includes admitting they failed to offer me appropriate customer service, but not agree to undo the damage they facilitated to my credit history for both accounts?

I reached out to XXXX  again to ask for help to contest XXXX  's refusal to reverse the negative credit reporting ( just as Lane Bryant did ) and they recommend I reach out to your agency. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: RI

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
The IRS considers a charge off to be income either as gross or ordinary income like this doesn't belong on a Credit report, so the information on my report isn't accurate! 

by IRS rules, any canceled debt or charge -off is classified as income. reporting this as debt is incorrect. 
According to 15 usc 1681s-2 GmFinancial, as a provider of information to a Credit reporting agency is prohibited by law from sharing inaccurate information .Im requesting that you delete this inaccurate information from my report right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are not authorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct and update the late payments on my credit report. 
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 2025-07-17 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: AZ

Complaint narrative:
The following accounts are fraudulent and unauthorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries are not authorized. Please remove it from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please correct and update the late payments on my credit report. 
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 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: GA

Complaint narrative:
Unauthorized account balance and failure to return disputed funds I am filing a complaint against Cash App regarding a disputed transaction involving XXXX. In XX/XX/year>, I made a payment through Cash App for my XXXX phone bill. The payment was supposed to cover only my payment plan balance, not the full amount. 

I filed a dispute with Cash App because XXXX took more than authorized. Cash App later reversed the transaction and initiated a refund, but did not immediately return the funds. I waited until XX/XX/XXXX to receive any response or refund. 

Cash App ultimately denied the dispute, stating that it was not valid. However, they neither returned the disputed funds to my Cash App balance nor sent the funds back to XXXX. At this point, I had already paid XXXX XXXX XXXX to avoid service interruption. 

After denying the dispute, Cash App placed my account at a negative balance of - {$140.00}, claiming they had issued a credit. However, this credit does not appear on my Cash App transaction history or my linked bank account statements. The paperwork they sent me also fails to clearly show any proof that they issued me the credit directlyonly that XXXX had issued a credit, which I never received in my Cash App account. 

I am now in a situation where : Cash App denied my dispute, Did not refund me, Did not return the funds to XXXX Placed my account at a negative balance of {$140.00} based on a supposed credit that is unaccounted for.

I believe this situation was handled improperly and may involve unfair or deceptive financial practices. I am requesting : 1. A full investigation of this transaction, 2. Proof of where the {$140.00} credit went, 3. Correction of my account balance. 

I have screenshots, payment records, and correspondence to support this claim. I respectfully ask for the XXXX XXXX XXXX XXXX assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief