vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
This card is through XXXX  - cOMENITY - bread financial. 

I was called XXXX times last week alone! This will be the second time Ive complained to XXXX and requested not to be called like that repeatedly. They call from different numbers and unknown. Ive answered the phone asking not to be called and then they just hangup. I called XXXX  today and they verified that it is their debt collection company calling me. I was called twice again after the call with the XXXX  rep. I made a payment last week but they said it could take 7 days to post and XXXX continue to get calls in the meantime. This is genuinely so crazy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: AR

Complaint narrative:
I am disputing inaccurate and unverified information on my Experian credit report. Experian has a duty to ensure all data is complete, accurate, and verifiable under the Fair Credit Reporting Act. 

Charged-Off / Collection Accounts The following accounts are reporting adverse information without proper verification : XXXXXXXX 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 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 XX/XX/XXXX ) Some of these accounts are obsolete, improperly re-aged, or reported without documentation proving accuracy, ownership, and balance validity. I request deletion of any account that can not be fully verified. 

Credit Inquiries I am disputing the following inquiries due to excessive volume and questionable permissible purpose : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX request Experian provide proof of permissible purpose or remove these inquiries.

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 2025-12-28 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:
I am submitting this complaint to dispute inaccurate, incomplete, and unverifiable information on my TransUnion credit report. These items are negatively affecting my credit standing and do not comply with the FCRA. I am requesting a full reinvestigation and removal of any item that can not be properly verified. 

Charged-Off Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Unauthorized / Inaccurate Inquiries 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 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 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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: WA

Complaint narrative:
I had a fully active XXXX account that I used for my small business for an extended period of time. I processed payments normally without any issues. 

XXXX later initiated a random account review and requested identity verification documents. I submitted everything they asked for, including my ID and all verification questions, in a timely and accurate manner. Despite this, XXXX suspended my account without a clear explanation. 

Since the suspension, I have repeatedly contacted XXXX to request written confirmation of my account status and the bank account information to unlock my shop 's payment settings, because my XXXX shop was connected to my XXXX business banking details before the suspension. 

Square support has either misunderstood my situation or stopped responding entirely. They incorrectly stated that my account was " never activated '' even though I used it actively for business transactions before the suspension. I need XXXX to confirm that my account was active, that it was later suspended, and whether they can or can not provide the bank account number associated with it. 

Without this documentation, I can not update my payment method on XXXX or reopen my shop on XXXX. I have been in severe financial strain due to XXXX inability to work with me on this. I am requesting assistance in getting XXXX to provide accurate information and a clear written response. 

Thank you XXXX XXXX by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: OK

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$16000.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7300.00}

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 2025-12-28 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: GA

Complaint narrative:
I am submitting this complaint to dispute inaccurate and unverified information that Experian is reporting on my credit file. I have previously attempted to address these issues, but the negative items listed below continue to appear without proper validation or accurate reporting. 

Charged-Off Accounts in Dispute ( Experian ) XXXX XXXX Account # XXXX, opened XX/XX/XXXX, balance {$39000.00} XXXX XXXX Account XXXX XXXX, opened XX/XX/XXXX, balance {$15000.00} XXXX XXXX  Account # XXXX, opened XX/XX/XXXX, balance {$7700.00} These accounts are being reported as charged off, yet Experian has not provided documentation showing proper verification, full account history, or proof that the balances and statuses are accurate. This constitutes incomplete and potentially inaccurate reporting. 

Unauthorized / Inaccurate Inquiries ( Experian ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: KS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6XXXX XXXX XXXX XXXX XXXX XXXX XXXXSubject: Request for Documentation of Interchange Fees Charged\n\nDear Chase XXXX XXXX\n\nI am writing to formally request detailed documentation of interchange fees assessed on transactions processed for XXXX XXXX XXXX XXXX during the XXXX XXXX XXXX XXXX XXXXSpecifically, I requestXXXX Itemized statements showing interchange fees charged per transaction, including card type and rate applied.\n2. Copies of any schedules or agreements governing interchange fee assessments.\n3. Historical summaries of total interchange fees deducted from our merchant account.\n1. Monthly merchant statements for the period XXXX XXXXXXXX. Transaction histories, including deposits, withdrawals, interchange fees, and chargebacks.\n3. Copies of merchant agreements and any amendments.\n4. Documentation of fees, deductions, or compliance notices applied to my account.\n5. Any compliance filings or regulatory notices issued to my account.\n6. Any XXXX tax forms for XXXX.\n\n\nThis request is made pursuant to my rights under applicable consumer protection and banking regulations, including the [Kansas Consumer Protection Act / and oversight by the [Kansas Office of the State Bank Commissioner].\n\nIf your office is unable to provide these records directly, please advise me of the appropriate channel or regulatory body to obtain them. I request a written response within 30 days of receipt of this letter.\n\nThank you for your prompt attention to this matter. Please confirm receipt of this request and advise of the next steps.\n\nSincerely,\n\nKansas Call Center,LLC\nXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was pre-approved for the XXXX XXXX on XX/XX/XXXX, perhaps a week or so prior to that I was approved for a Savor card. 

Fast forward, the card comes, I activate, it links. My first statement closed XX/XX/XXXX and I have yet to been able to access it. I used the card successfully a few days later, only to have the card restricted. 

I sent bank statements. I reached out only to get vague, information and no real sound responses to my inquiries. Today, they tell me the bank statements are fine but dont match declared income Well, the bank statements do match, and being a Capital One user already, everything was pre-populated, I was already signed in, and just input my XXXX phone, and it approved the card. I submitted sufficient information to make sure of this card. Its frustrating to go through something so trivial for such a small limit. 
Whats the point of using a card if they give you such a headache over the smallest thing that doesnt foster trust or reliability, nor does it incite priority in terms of payment. Then to learn Capital One bought XXXX card smh yikes. 

Case ID XXXX XXXX Re : XXXX Re : Case ID XXXX Re : XXXX Call us so you can start using your account again We recently detected suspicious activity on your account and restricted it from making any transactions to protect you. - this was XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: PA

Complaint narrative:
The absence of any verifiable documentation to confirm the accuracy of this information, along with the reporting of data that has not been properly substantiated, constitutes a direct violation of the requirements set forth under 15 USC 1681i ( 7 ). This failure to comply with statutory obligations is not only concerning but also highly disappointing, given the importance of maintaining accuracy and following federal guidelines.

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 2025-12-28 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: GA

Complaint narrative:
I am disputing inaccurate information appearing on my TransUnion credit report. 

Charged Off Account : XXXX XXXX Account No : XXXX * * Date : XX/XX/XXXX Balance : {$780.00} * * I dispute this charged-off status and request full validation of the account and balance. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I am requesting validation for these inquiries. Please provide documentation showing I authorized them or remove them if unverifiable. 

Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please confirm with the creditors whether these late payments are valid. If not properly documented, I request 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 non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: LA

Complaint narrative:
I began student loan repayment in XX/XX/year>. Due to financial hardship, I made consistent partial payments of {$50.00} {$100.00} each month while attempting to manage basic living expenses. During this period, I was not informed of available forbearance or alternative repayment options. 

I later contacted the loan servicer and applied for retroactive forbearance, which was approved. However, despite the approved forbearance and my consistent good-faith payments, the account continues to be reported as delinquent on my credit reports. 

The current credit reporting does not accurately reflect my payment activity or the approved forbearance period and has caused significant and disproportionate credit harm. I am requesting a review of the account and correction or removal of the delinquency reporting for the period now covered by forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
I am submitting this complaint to formally dispute multiple inaccurate and incomplete accounts currently being reported on my Equifax credit report. I have reviewed my credit file and identified several charged-off accounts, late payment notations, and inquiries that I do not recognize, are inaccurately reported, or can not be verified as required by the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts DEPTED / XXXX ( multiple accounts ), XXXX ( multiple accounts ), XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( multiple accounts ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Late Payment Reporting 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 2025-12-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Larry H. Miller Group of Companies
State: OH

Complaint narrative:
XXXXMy loan is through Prestige financial and they have harassed me almost daily over a late payment I have talked to them explaining I only get paid every two weeks I always make my payment in XXXX  I forgot to finish my payment of XXXX  dollars now mind u I have had this car 1 1/2 year only 1 payment 30 days late. They started calling my family and my work. They call me and my wife both   after I got the call  at work my boss talked to me and said being a retail store those calls are not allowed  the next day they called again and I decided I'm tired of being harassed so I asked them to come get the car I'm done with the harassment  it's been a month and they still calling have not picked up the car.  Now I call it harassment because it's not just about a late payment they have also called me 5 days before the payment to set up the next payment they always calling just about everyday"

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
The company previously acknowledged potential fraud. 
CFPB now shows the company stating it can not respond to the complaint or address the issue. 
A company that can not investigate or respond can not lawfully verify or report this account. 
Continued reporting violates FCRA 607 ( b ), 611 ( a ), 623, and 605B. 
I am demanding immediate deletion, not further review.

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 2025-12-28 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: NY

Complaint narrative:
I signed up for XXXX XXXX in XXXX and never received the first card mailed to me. When I checked online, 2 fraud charges were on the account, {$160.00} on XXXX XXXX and {$130.00} on XX/XX/year>. I reported it online and they closed the first account to investigate ( I have copy of that letter ) and they sent me a new card. Yesterday they notify me that they decided those charges were not fraud and want to hold me accountable ( I have copy of that letter and I tried calling but they refuse to help ). I haven't been to XXXX XXXX XXXX in years. Someone got a hold of the first card and was able to use it 2 days in a row. I'm very frustrated and refuse to pay for something I did not purchase. To date, I have only made payment on XX/XX/year> for the one charge that is mine, {$46.00}. I closed my new card account yesterday ( I have copy of that ) and I want to settle this as I experienced fraud with the other two amounts.

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 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifaxs response is inadequate and does not address the substance of my complaint. 
This was not a standard dispute. This was an identity theft complaint under FCRA 605B with documented proof and written confirmation from XXXX XXXX ( successor to XXXX ) admitting the account was fraud and instructing all CRAs to delete it. 
Instead of complying with 605B, Equifax responded with a boilerplate statement claiming the account was previously disputed. That is not legally relevant and does not relieve Equifax of its obligation to block the tradeline within 4 business days of receiving identity theft documentation.

Equifax is continuing to knowingly report fraudulent information in violation of : 605B Failure to block identity theft information 623 ( a ) ( 1 ) ( A ) Furnishing information known to be false 607 ( b ) Failure to ensure maximum accuracy 611 Failure to conduct reasonable reinvestigation I am requesting CFPB reopen this matter and require Equifax to comply with 605B and permanently delete this fraudulent account. Equifaxs closed with explanation response did not address the law or facts provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MRS BPO, LLC
State: PA

Complaint narrative:
I spoke with a XXXX agent XXXX yesterday to clarify and resolve the issue. I received email communications informing me the credit was issued to the account as the debt was not owed due to the equipment being returned to a local storefront within the timeframe allotted. I was then contacted by MRS BPO with an attempt to collect {$210.00} on XX/XX/year> at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am disputing unauthorized and unverifiable inquiries currently appearing on my Experian credit report. Experian is required under the Fair Credit Reporting Act to ensure that each inquiry is supported by a lawful permissible purpose. 

Inquiries in Dispute XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> I do not recall authorizing these inquiries, nor was I provided written consent or disclosure. If Experian can not provide documentation proving a valid permissible purpose for each inquiry, they must be removed immediately. Continued reporting of unauthorized inquiries is damaging to my credit profile.

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