vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I've disputed some things with experian such as unauthorized Hard inquiries in XXXX, also many calls I can't reach anyone they have the automated system telling each and every call to call back later I've been calling since XXXX XXXX  No way to speak with anyone. I sent over disputes, my identity verification docs, also FTC Reports. experian isn't investigating disputes, they aren't taking calls, it's no way to speak woth anyone, and it's against the law according to the FCRA not being able to reach a credit agency representatives regarding our credit reports. it states If you're encountering difficulties reaching credit agencies or believe they are violating the Fair Credit Reporting Act ( FCRA ), you can file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or the Federal Trade Commission ( FTC ), or consider consulting with a legal professional, even legal professionals.

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 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX, my PNC account showed an available balance of {$80.00} with all pending charges visible. I had overdraft protection turned off. No new charges came in after that.

The next day, my account showed a - {$150.00} balance. PNC admitted the available balance displayed was incorrect but said theres nothing they can do.

I relied on the number they showed me and avoided making purchases I couldnt afford. Because of this error, Im now overdrawn and cant cover it.

Im requesting that this be formally investigated and resolved. This wasnt caused by overspending it was caused by a system failure or misleading account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute the reappearance of a collections account associated with XXXX XXXX XXXX, reported under the original creditor XXXX XXXX XXXX, in the amount of {$3100.00}, which is inaccurately listed on my credit report. This account has appeared on my Equifax credit report for the third time, despite being previously investigated and removed due to an error regarding the Social Security number associated with the account.

This collections account was investigated and removed after I disputed it on the grounds that the Social Security number ( SSN ) associated with the debt does not belong to me. I assert that the debt does not belong to me, and I should not be held liable for this amount. The actions of Equifax and XXXX XXXX XXXX in continuing to report false information, despite prior investigation and removal, are a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

As stipulated in the FCRA, I am entitled to dispute inaccurate information and have it corrected or removed. When I first disputed this account, the relevant information was clearly shown to be incorrect, as the SSN tied to this account was not mine, and the debt was not associated with me in any way. The fact that this account has reappeared on my credit report multiple times, in spite of this, raises serious concerns that Equifax and XXXX XXXX XXXX are either negligently or intentionally misreporting this information to harm my credit score.

The repeated reporting of this erroneous account, especially after being previously removed, has caused significant and undue damage to my credit score, which in turn harms my ability to obtain credit and secure favorable financial terms. Such actions violate both consumer protection laws and the protections granted to me under the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
The annual percentage rate is 159.57 %. This is far above the maximum set by Washington States law on Predatory Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
At some point in XXXX of 2025 I went through XXXX XXXX preapproved card offers, and submitted an inquiry stated to be a soft credit check. At no point did I consent to a hard inquiry, nor was I shown terms or given the opportunity to agree to said terms. The next screen just showed approved. I did not receive an email with terms, did not agree to terms. I was not shown an annual fee, a credit limit, interest rate or anything of the nature. All I wanted was to see the options before I chose to apply to or accept anything.

A new credit card showed on my XXXX report on XX/XX/XXXX. I immediately contacted milestone, escalated to a supervisor in hopes of resolving this and preventing it from reporting to XXXX and XXXX. Supervisor kept insisting I did submit an application and glossing over my repeated statement that I submitted a request for information and agreed to a soft credit check to see offered terms and never received them. I stated that I can not agree to a contract that I was never provided. He kept insisting that he file an identity theft report on my behalf, and I clearly stated numerous times that I do not consent to them doing anything outside of closing the card and deleting the tradeline, as this was not identity theft, it was simply predatory on the companys end. When I declined the identity theft investigation, he said I had to agree that I submitted an application. I made it very very clear that I had not, and even if I had, terms such as fees and APR would have had to be provided to me prior to a card being opened. At no point in the conversation would he acknowledge my repeated statements that terms were never provided to me. I asked for anything proving that I consented to this, anything with my signature, any esignatures, anything. Nothing was acknowledged or provided.

I stated very clearly that complaints would be filed if the company chose not to resolve this, and then disconnected the call after the conversation continued to go in circles. I have not received a card, activated a card, and still at this moment have not been provided any terms and conditions whatsoever, but its on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I review my credit report and see some thing not correct, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I review my credit report and see some thing not correct, XXXX ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Paypal Holdings, Inc
State: CO

Complaint narrative:
I was going to order an electronic device and it was not available. I have asked PayPal to stop transferring {$500.00} from my Bank, Checking account. PayPal won't stop the transfer. I also sent a notification to my Bank account to let them know that the {$500.00} transfer is inaccurate from PayPal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am writing to formally dispute multiple inaccurate and fraudulent items that remain on my Equifax credit report despite submitting a valid FTC Identity Theft Report ( Report # XXXX ) and dispute documentation. These accounts were not opened by me and are the result of identity theft, which I have reported in full compliance with federal guidelines.

Despite clear and documented evidence, Equifax has verified these fraudulent accounts as accurate and continues to report damaging and inaccurate information. This is a direct and willful violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am hereby demanding immediate correction of my credit report and a full investigation.

The following FCRA sections have been violated : FCRA 1681i ( a ) ( 1 ) Failure to Reinvestigate Disputes Equifax failed to conduct a reasonable reinvestigation within the 30-day time period after receiving my identity theft documentation and dispute. This constitutes a willful violation.

FCRA 1681s-2 ( b ) Failure of Furnishers to Investigate Data furnishers continued to report information that has been clearly disputed and supported by an FTC identity theft report. They failed to verify, correct, or delete false data after receiving notice from Equifax.

FCRA 1681b Lack of Permissible Purpose My credit report shows unauthorized inquiries made without my consent. This includes multiple hard inquiries related to fraudulent accounts.

FCRA 1681c Obsolete or Inaccurate Reporting In some cases, Equifax has reported outdated and incorrect personal information, including addresses and names not associated with me.

FCRA 1681g Failure to Provide Full Disclosure Upon request, Equifax failed to provide my complete file and full details about how items were verified, violating my right to transparency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
My XXXX XXXX Account was moved to Comenity Bank in 2023. I was unaware of this transfer and did not receive timely credentials or instructions to access or manage the account. As a result, I was unable to make payments.

The missed payment was only around {$30.00}, which I would have gladly paid had I been able to access the account.

Once I was finally notified and received credentials, I immediately logged in and paid the account. Ive been current since then.

Ive contacted Comenity Bank two times requesting a goodwill removal due to the circumstances beyond my control, but they declined.

I respectfully request that CFPB help review this case, as the reported late payment was not due to negligence but due to a lack of access caused by a third-party account transition. This late mark is now unfairly affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.

Complaint narrative:
I own two Google gift cards : one is a {$200.00} card that has not been redeemed into my Google account, and the other has been redeemed, leaving a balance of {$170.00}. I now request that Google refund these funds to me because they have locked my account. The absurd reason is that their identity verification is entirely automated and requires the credit card number and name to be displayed on the front of the card, but all my credit card information is on the back. This caused my verification to fail, and customer service told me they are unable to bypass the systems identity verification. As a result, my account was locked and they can not refund the money in my account. It took Google a full year to provide me with this response.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
It is my understanding that per 15 USC 1681 ( a ) ( 2 ) ( I ), my consumer report should not contain information solely as to transactions or experiences between the consumer ( me ) and the person ( you ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and me.

Furthermore, I am requesting that you provide me with, in writing, the reasonable procedures ( according to 15 USC 1666 ( b ) ) that you have adopted to ensure that each periodic statement is mailed to me ( the consumer ) not later than 21 days before the payment due date. Include also, all the information required by Section 1637 ( b ) of Title 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 2025-04-06 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: CA

Complaint narrative:
On all three credit bureaus XXXX is reporting I was 90 days delinquent on all 17 of my XXXX loan accounts in XX/XX/XXXX. They are supposed to report accounts as 30 and 60 days late before marking them as 90 days late. I had no idea my account was transferred from XXXX XXXX to XXXX, there was so communication from XXXX or correspondence. This has ruined my credit substantially. My accounts have been in Forbearance since XX/XX/XXXX. Please delete the 90 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act.

Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

Attached I have a self attestant signed by a state governmental entity, which is listed as one of the acceptable XXXX  determination documents.

According to the FCRA, consumer reporting agencies can only deny or rescind a block in limited circumstances : 1. The identity of the survivor can not be reasonably confirmed ; 2. The survivor did not provide documentation from an accepted source determining that they are a victim of XXXX  ; and/or XXXX. The consumer reporting agency can not identify the adverse credit information to be blocked. 
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 2025-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
They keep harassing me all day long and night from different numbers being rude and using horrible language and Ive asked them not to contact me. Block one number they call from a different number or call private. They are very unprofessional. According to 15 USC 1692 c you have violated my rights by in lawful communications please remove this collection off my credit report thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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: VA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a 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 2025-04-05 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: TX

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