vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX To : TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Inaccurate Credit Reporting FCRA Violations To Whom It May Concern, This letter is a formal dispute and complaint regarding two accounts reported on my credit file that appear inaccurate, incomplete, or unverifiable. This information may be inconsistent or not properly validated. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that TransUnion and the data furnishers conduct a legally compliant reinvestigation and take appropriate corrective action.

Legal Violations Involved : - 15 U.S.C. 1681s2 ( a ) Prohibits the reporting of known inaccurate or incomplete data by furnishers.

- 15 U.S.C. 1681s2 ( b ) Requires a full, fair, and reasonable investigation after receiving a dispute.

- 15 U.S.C. 1681i Requires the credit bureau to reinvestigate disputed items within 30 days.

- 15 U.S.C. 1681c2 Requires blocking and deletion of information resulting from identity theft upon submission of appropriate documentation.

Disputed Accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) - Account # : XXXX XXXX XXXX XXXX XXXX  - Status : Collection/Chargeoff - Balance : {$370.00} - Date Opened : XX/XX/XXXX - Last Reported : XX/XX/XXXX - Comment : Account information disputed by consumer, meets FCRA requirements XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) - Account # : XXXX XXXX XXXX  - Status : Collection/Chargeoff - Balance : {$880.00} - Date Opened : XX/XX/XXXX - Last Reported : XX/XX/XXXX - Comment : Account information disputed by consumer, meets FCRA requirements Action Requested : - Conduct a full and reasonable reinvestigation under 1681i and 1681s2 ( b ) - If either account is unverifiable, delete it from my report - Correct any inconsistent, outdated, or misleading data- If identity theft or fraud is suspected ( pending police report ), initiate block and delete under 1681c2 - Provide a detailed written response with the results of the investigation Enclosures : - Copy of my ID - Proof of current address - Copies of both credit entries Please note that failure to resolve these issues in accordance with the law may lead me to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider pursuing damages through civil litigation.

I expect to receive a written response within the statutory 30-day window. 

Sincerely, 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 2025-07-02 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: AE

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I recently discovered several unauthorized inquiries on my credit report that I did not authorize. I respectfully request that these inquiries be removed, as the related accounts have since been closed. ''

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 2025-07-02 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: 2288984 Ontario Inc.
State: AZ

Complaint narrative:
I took out a loan with XXXX  while experiencing temporary financial hardship. The loan was presented as an installment loan / line of credit, but after reviewing the Truth in Lending Disclosure, I realized that the effective APR is over 100 %.

I live in Arizona, where payday loans and similar short-term loans are subject to a maximum 36 % APR cap under state usury laws. This loan significantly exceeds that cap and is therefore unlawful. I was not made fully aware of the true cost at the time.

I respectfully request CFPBs assistance in reviewing this predatory loan practice, ensuring compliance with Arizona law, and helping me dispute this debt if necessary.

I am willing to repay the principal but not excessive illegal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
This complaint is being filed to request that TransUnion block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, TransUnion is required to block such information within four ( 4 ) business days of receiving this notice.

The information in question includes multiple unauthorized accounts and hard inquiries that were made without my knowledge or consent, and are the direct result of identity theft and fraud. The following accounts are fraudulent and must be deleted from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> All of the above accounts and inquiries are not mine. To support my claim, I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ) filed with the XXXX Federal Trade Commission, which confirms that these items are the result of identity theft.

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 2025-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Subject : Formal Complaint Against Bank of America Fraud Victim Treated Unfairly To the Consumer Financial Protection Bureau, My name is XXXX XXXX XXXX, and I am filing this complaint as a direct result of what I consider a grave and unjust action taken by Bank of America against me as a client. I was the holder of a personal account with Bank of America, which was abruptly closed following the deposit of a fraudulent check a check I did not issue, alter, or knowingly accept in bad faith.

The circumstances are clear : I was contacted by a person with a U.S. phone number, who proposed to deposit U.S. dollars into my Bank of America account, while I would transfer the equivalent in Bolivian currency ( XXXX ) to his wifes account in XXXX XXXX XXXXXXXX. Living in a country where inflation and monetary instability are rapidly escalating, I intended only to exchange local currency for dollars to protect my savings a common and legitimate practice in our economic context. 

Shortly after this transaction, Bank of America informed me that the deposited check was invalid, and without providing any formal opportunity for clarification, they closed my account, claimed the decision was final, and assigned full responsibility to me despite my status as a clear victim of attempted fraud. 

What is most concerning is that the bank did not attempt to investigate the origin of the fraudulent check or trace the individual responsible. Instead, they imposed a severe consequence on me the closure of my account without due process, transparency, or the opportunity to defend myself. This response, in my view, constitutes bad faith and a serious failure in customer protection practices.

I am now being penalized as if I were the fraudster, while the real perpetrator remains uninvestigated and unpunished. This not only harms me financially, but also damages my credibility as a lawful banking client.

I respectfully request that the CFPB examine this case, and urge Bank of America to provide a clear justification for its actions, reopen a fair investigation, and act with the diligence and equity required of a financial institution of its stature. 

Attached are all available documents : The fraudulent check A transcript of the communication with the third party Copies of correspondence with the bank It is important to clarify that this third person did the check deposit on my account on XX/XX/XXXX and the final decision of the bank was on day XX/XX/05. 

Thank you for your time and attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2025-07-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I had a Certificate of Deposit ( CD ) with Bread Savings ( Comenity Capital Bank ) that recently renewed. I contacted their customer service shortly after the renewal to request early closure and asked for a waiver of the early withdrawal penalty ( {$52.00} ), given my long-standing relationship with them and my intent to close all accounts. They denied my request, citing standard policy. 

There are two key issues Id like to raise in addition to their refusal : Bread Savings uses calendar days ( not business days ) to calculate the CD grace period, which is extremely misleading and unfair to consumers. In my case, the grace period included a weekend and gave me effectively no chance to review the new renewal rate or react without penalty. 

They give customers o

nly 1 calendar day to see the renewal rate before auto-renewing the CD, which is unreasonable. Most banks provide several business days or notify you in advance of the upcoming rate. Bread does not. There was no transparency about the new rate until after renewal, at which point any withdrawal is penalized unless you act immediately. While I understand CDs come with terms, the way Bread Savings structures and enforces these policies feels designed to trap customers rather than serve them. Their practices are rigid and opportunistic, and they place all the burden on the consumer while protecting their own interests at every turn

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I tried to pay my card on my due date. XX/XX/year> at XXXX XXXX  XXXX time. The app will not let me, it will only take a payment for the next day at which time I will be charged a late fee. When you open the app and see you due day under the account it does not show a due date plus due time. It only shows a due date. This is a practice which is not fair and makes it easy for Capital One to charge fees that are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: TX

Complaint narrative:
Misuse of my personal information without my knowledge in the attempt to a loan and/or financial gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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: PA

Complaint narrative:
I am writing to address fraudulent items that have appeared on my credit report. I appreciate that some of these items have been successfully removed, particularly those identified by Equifax Credit Bureau. However, I have noticed that certain fraudulent items remain on my report with both Experian and TransUnion. I kindly request your assistance in promptly removing the remaining fraudulent items listed below from my credit report : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXXXXXX XXXX  : {$0.00} XXXX XXXX XX/XX/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 2025-07-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-07-02 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: AE

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Klarna AB
State: IN

Complaint narrative:
In XX/XX/year>, I applied for a financial hardship payment plan with Klarna for my XXXX purchase. On XX/XX/year>, Klarna sent me a confirmation email stating that my payments were paused for XXXX  days and that my new due date would be XX/XX/year>. The email clearly said I would not accrue any additional interest or fees during this period. 

Despite this written confirmation, Klarna support agents are now telling me that my plan is only paused for XXXX days and that I must resume payments sooner. I have attempted to resolve this with support multiple times, but they continue to deny the XXXX pause promised in writing. 

I am requesting that Klarna honor the original terms stated in their email, pausing my payments for XXXX days as promised and setting the new due date to XX/XX/year>, without additional interest or fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-02 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a {$290.00} purchase on XX/XX/year>, using my PayPal Credit account ( issued by Synchrony Bank ). The seller, ( XXXX ), advertised the item with a 100-Day Risk-Free Trial guarantee. I returned the product in good faith during that time, but they refused to issue a refund, citing undisclosed fine print. I filed a dispute with PayPal w
ithin their 180-day Buyer Protection window, but it was improperly clos

ed. PayPal claimed I filed more than 30 days after delivery yet their own terms allow 180 days from the payment date for disputes like this. I am now left with a product I returned and no refund.

This is a case of false advertising and misrepresentation, and PayPal failed to enforce the terms under which I made the purchase. PayPal denied my claim by citing a 30-day limit after delivery, but my case is based on false advertising and misrepresentation not a delivery defect or buyers remorse. This is a classic bait and switch. This is a classic bait-and-switch. The seller clearly advertised a 100-Day Risk-Free Trial to induce the sale, but after I returned the product within that window, they denied the refund using separately disclosed fine print that contradicted the initial offer. I would not have purchased the item if the return terms had been accurately presented. I returned the item in proper condition well within the window. PayPal closed the case due to a technicality, not based on the merits of the situation.

I filed this dispute as soon as I was aware the refund was denied. I believe this qualifies as a billing dispute under FCBA and deserves full reconsideration.

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 monetary relief
Consumer complaint received 2025-07-02 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:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$3.00} XXXX OF XXXX * * * * Balance Owed : {$3000.00} XXXX XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$50.00} XXXX XXXX XXXX * * Balance Owed : {$110.00} XXXX XXXX XXXX * * * * Balance Owed : {$6700.00} XXXX XXXX XXXX * * * * * * * Balance Owed : {$2000.00} XXXX XXXX * * * * * * * Balance Owed : {$490.00} XXXX XXXX * Balance Owed : {$430.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2025-07-02 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:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$3.00} XXXX OF XXXX * * * * Balance Owed : {$3000.00} XXXX XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$50.00} XXXX XXXX XXXX * * Balance Owed : {$110.00} XXXX XXXX XXXX * * * * Balance Owed : {$6700.00} XXXX XXXX XXXX * * * * * * * Balance Owed : {$2000.00} XXXX XXXX * * * * * * * Balance Owed : {$490.00} XXXX XXXX * Balance Owed : {$430.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-02 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: FL

Complaint narrative:
I am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$3.00} XXXX OF XXXX * * * * Balance Owed : {$3000.00} XXXX XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXXXXXX XXXX * * Balance Owed : {$50.00} XXXX XXXX XXXX * * Balance Owed : {$110.00} XXXX XXXX XXXX * * * * Balance Owed : {$6700.00} XXXX XXXX XXXX * * * * * * * Balance Owed : {$2000.00} XXXX XXXX * * * * * * * Balance Owed : {$490.00} XXXX XXXX * Balance Owed : {$430.00} XXXX XXXX XXXX * * Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/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