vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Comenity/Collection Dept .

Account Disputes Department Re : Request for Debt Validation XXXX/Comenity/NY & Co , Acct XXXX XXXX  Dear Comenity/Collection Dept., I am formally disputing the above-referenced account and requesting full validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This letter is a request for validation only and is not an acknowledgment of liability.

Specifically, please provide : 1. Verification of the alleged debt, including the full amount claimed and an itemized statement of how it was calculated.

2. The name and address of the original creditor.

3. Documentation bearing my signature showing I am legally obligated to pay this debt.

4. A complete record of all payments made and how they were applied.

5. Proof that you are licensed and authorized to collect debts in my state.

Until you provide this validation, you must cease all collection activity, including credit reporting. Reporting unverified debt violates the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you continue collection efforts without validation, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney General, and other regulatory agencies.

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
Issue : Misleading loan approval and credit reporting What Happened : I applied for a loan with OneMain Financial and was initially told I was approved. Later, I was informed that the approval was only conditional. This was never made clear at the start of the process, and I was misled into believing the loan was fully approved.

After providing my personal information, my application was denied, yet a hard inquiry was reported to my credit file. This negatively impacts my credit score even though I did not receive a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Im a Bank of America XXXX XXXX customer. Earlier today, while attempting to transfer funds to another BofA customer, the system allowed only a {$30.00} wire, not a free ACH/XXXX/internal transfer . This has occurred more than once. I believe this is an unfair practice given its an intra-bank transfer and historically free.

I request the cfpb review and that BofA ( a national bank ) reverse the fees and restore a no-fee internal transfer option.

An attempt to reach the bank by email was unsuccessful.

Thank you for your consideration.

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 2025-10-03 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: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: Paypal Holdings, Inc
State: NY

Complaint narrative:
On approximately XX/XX/year>XX/XX/XXXX sent me an email informing me that my account has been frozen, and requires photo identification to verify my identity. I submitted a picture of my drivers license to verify my identity. They responded saying that they received my email, and will respond soon. Approximately a week later, I received an email stating that I violated XX/XX/XXXX 's user agreement, and that my account would be frozen and services will no longer be available to me. 
I sent two emails requesting a reason for this permanent ban, requesting an appeal, and asking to work with XX/XX/XXXX in order to identify the misunderstanding, and both have gone answered by the same scripted email. 
Furthermore, this has spilled over into my Paypal account, as Paypal owns XX/XX/XXXX, and I am not longer able to utilize my Paypal either.

I've tried calling customer service for both Paypal andXX/XX/XXXX to which they directed me to respond to the email I received, to which I did with no help received.

I've been a Paypal and XX/XX/XXXX user for 10+ years, and have not violated any User Agreements set forth to my knowledge. XX/XX/XXXX has failed to provide me a reason for this ban, even after I assure them that any possible misunderstanding could be explained by myself, and assured my willingness to cooperate with them to resolve, even asking them if they required more identifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: ND

Complaint narrative:
Company XXXX XXXX  and Cash App ( Block, Inc. ) Product : Mobile or digital wallet Issue : Fraud or scam What happened : On XX/XX/year>, I was defrauded out of a total of {$860.00} through two peer-to-peer payment apps : {$490.00} through XXXX ( 7 transactions ) {$360.00} through Cash App ( 4 transactions ) I was deceived by an individual who contacted me through social media and presented false claims and emotional manipulation, saying they urgently needed funds for groceries as well as a security deposit. These statements were completely fabricated. I never received any goods or services in return, and the entire transaction was based on fraud and misrepresentation. I only authorized these transfers because I was misled under fraudulent pretenses. 

I immediately reported this to both XXXX and Cash App, as well as my bank and local law enforcement ( Police Report XXXX XXXXXXXX ). Cash App denied reimbursement for the case already, while XXXX has not provided any response or resolution. 
Under the Electronic Funds Transfer Act ( EFTA ), Regulation E, consumers are entitled to protection when electronic funds transfers are made under fraudulent pretenses. CFPB guidance states that a transfer induced by deception may be considered unauthorized, requiring investigation and resolution. 

This loss represents a significant hardship for me. I am requesting full reimbursement of {$860.00}, with {$490.00} attributable to XXXX and {$360.00} attributable to Cash App. 

Supporting documentation ( transaction records, police report, and relevant communications ) can be provided upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
I discovered unauthorized inquiries on my credit report, and I dont understand why its there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
pursuant to 18 usc 8 i owe no debt this company is violating my consumers rights to privacy pursuant to 15 USC 168lb 2 company has also no Permission to report ANYTHING Using my info pursuant to 15USC 1681 4 I asked them to show me the signed contract that i have with Innovative recovery as they are listed as the original creditor. They are a third party who is pulling my score down

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 2025-10-03 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: PA

Complaint narrative:
pursuant to 18 usc 8 i owe no debt this company is violating my consumers rights to privacy pursuant to 15 USC 168lb 2 company has also no Permission to report ANYTHING Using my info pursuant to 15USC 1681 4 I asked them to show me the signed contract that i have with Innovative recovery as they are listed as the original creditor. They are a third party who is pulling my score down

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 2025-10-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I received a collection notice from CBE Group for a XXXX account ( XX/XX/XXXXXXXX ) that I did not open or authorize. This appears to be identity theft. I do not owe this balance and have never had service with XXXX under this account. I am requesting that CBE Group stop collection efforts, provide proof that I opened the account, and ensure this fraudulent debt is not reported to the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: VA

Complaint narrative:
I am writing to advise that I am a victim of XX/XX/XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XX/XX/XXXX 

INQUIRIES :XX/XX/XXXXXX/XX/year>

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 2025-10-03 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/year> ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

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 2025-10-03 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: NV

Complaint narrative:
Upon reviewing my credit report, I found certain collection and charge-off entries to be inaccurate, outdated, or unverifiable. Despite submitting disputes and providing supporting documentation, these accounts remain unverified and continue to negatively impact my credit. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full reinvestigation of these accounts. Any entry that can not be substantiated with accurate documentation must be removed immediately. Failure to comply may result in legal action to enforce my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: PA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-10-03 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: GA

Complaint narrative:
I am a victim of identity theft. All accounts associated should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
I am filing this complaint because Transunion is reporting a charge-off for my XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX for {$0.00} dated XX/XX/year>, which is inaccurate and unverifiable. This entry is either the result of erroneous reporting from the furnisher or may have originated from a data breach affecting the accuracy of consumer credit information. I have never received documentation from XXXX  or the creditor proving that this charge-off is legitimate, yet it continues to appear on my credit report. The ongoing presence of this unverified and damaging information is misleading, materially false, and constitutes a violation of my rights under the Fair Credit Reporting Act. Under 15 U.S.C. 1681e ( b ), XXXX is legally required to maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Reporting a charge-off without verified evidence clearly fails this standard. Furthermore, under 15 U.S.C. 1681i ( a ), I am entitled to a reasonable reinvestigation of any disputed informationXXXX XXXX reliance on unverified information from the creditor without producing certified documentation does not meet the legal requirements for a proper reinvestigation. The continued reporting of this charge-off is causing substantial and ongoing harm, including difficulty obtaining credit, higher interest rates, and undue emotional distress. I am being penalized for an alleged debt that has not been substantiated, creating both financial and personal hardship. The stress and frustration of having to repeatedly dispute this account, while Transunion allows it to remain, has taken a severe toll. I have spent significant time and effort attempting to correct an issue that is not my fault, while the bureaus continue to report it as though it were valid. This demonstrates a disregard for both the law and the personal impact of inaccurate reporting on consumers.

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 2025-10-03 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: FL

Complaint narrative:
I dispute the accuracy of the following accounts on my Experian report : XXXX. XXXX ( Acct ending [ XXXX ] ) Reported Negative with no late-month grid, DOFD, or Amount Past Due. This is incomplete and unverifiable. 
2. LOANDEPOT.COM LLC vs LOANDEPOT.COM, LLC You report both a Negative and a Positive loanDepot tradeline, with inconsistent statuses. This is a duplicate/fragmented tradeline that misrepresents my credit. 
Violations : FCRA 607 ( b ), 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ) ; Reg V 1022.42.43. Metro 2 fields breached : Subscriber ID/Portfolio, Account Status, DOFD ( Field 25 ), Payment History Profile, Amount Past Due, CCC XB.

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