vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: OK

Complaint narrative:
On XX/XX/XXXX, I called the way2go card company to see where my child support card was. I was informed that it had been activated in XXXX, and that it had been drained of every XXXX XXXX I never had the card personally, so this was devastating news to me. Someone had to have stolen my debit card from my mailbox and activated it. Way2Go only did the claims for the month of XXXX, instead of putting all of the charges into one dispute. They refunded me the month of XXXX fraud charges but are refusing to open my case back up and refund the {$1100.00} from the month of XXXX. I have clock in and clock out times that I emailed to the fraud claims, proving I was at work, which is a County jail so it's literally impossible to fudge those times. I mailed in the paperwork about a month ago but they apparently never received it? I have filed police reports and did everything I was told. The charges from the Month of XXXX are literally almost Identical to the XXXX charges, aside from XXXX XXXX XXXX purchases in XXXX, that do not resemble the other charges. This has been a devastating blow to me, as I am getting a XXXX XXXX XXXX weeks, and I was relying on that money while I am recuperating, as my sick leave was used up during my testing procedures. If I can't or won't receive that money, I will have to post-pone my XXXX, which will be putting my life at jeopardy, by giving the XXXX a chance to spread. This simply boils down to them not doing their job correctly. Now, anytime I try to call, I am hung up on or am left on hold for 30 minutes to an hour before someone will speak to me, and no one will give the information I request now. I was hung up on twice yesterday. I have even done my own investigating and the banks and casinos were going to release the footage to the local PD, but Way2Go have taken so long, that it's now been more than 90 days, so footage is no longer available. I am desperate at this point. My mom has had a XXXX XXXX XXXX of her sisters have died of XXXX XXXX, as did my maternal grandmother. I am beyond scared about my health and being here for my kids. Anything to help resolve this is greatly appreciated. I have uploaded my clock in and clock out times from my job, as well as photos of the fraudulent charges. The photos of the charges will show that the transactions are almost identical to the charges that have been refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
The reported item mischaracterizes my payment record and seems incorrect. Kindly investigate and amend it.

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 2025-10-01 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: KS

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 2025-10-01 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: FL

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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
There are fraudulent collections on my credit report from XXXX XXXX XXXX. However, I do not have any rental collections on my credit. This is not my debt. I am a victim of identity theft and have an Identity Theft Report and police report I can provide to support this. Please see attached documents. I request to remove these collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: IL

Complaint narrative:
I receive my Child Support on the Way2go GoProgam prepaid card. My prepaid card was damaged so I had to order a replacement card. I ordered the card and it has been 10 days and I still have not received it. I cant even order another replacement card because of the one that was supposed to be mailed. I checked the post office and they have not found it. I submitted a complaint with the post office. I have called customer service many times but there is no way to contact a live agent to help with my issue. I have no one to contact in regards to the issue. Im in need of my funds and I cant access them without the prepaid card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: Minto Financial dba Minto Money
State: CA

Complaint narrative:
I applied for a {$2200.00} loan on XXXX. XXXX to fully pay off my remaining credit card payment and car payment from a loan company called XXXX XXXX. Based on the advertisement online its guaranteed to be approved for the loan. I recieved the loan 1-2 days after applying which helped me pay off all my remaining payments. I was under the assumption that I will be paying the {$2200.00} + a small interest on top of the requested loan. After a making payments in a span of 4 months I thought I was finally done making payments when I ended up receiving another email about another upcoming payment which surprised me. I opened up my account to see I have a total of {$13000.00} to pay off! I wanted to see if I have any sort of case. I will be having a baby on Oct. which is a huge nuisance to me due to the fact that it will put me in a financial burden. I tried to give them a call but did not recieve any call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
Somehow someone logged into my cashapp and purchased XXXX  through my banking information. I requested a dispute through cashapp and they denied it instantly, couldnt give me any information on who or why that couldnt give me the money back. I requested a dispute through my bank and they denied it because of the reason We cant dispute transactions made from another bank, please contact CashApp for a dispute. These transactions date back to XX/XX/year>. 
A total of XXXX transactions were made to buy XXXX. 

XXXX. {$400.00} XXXX XXXX. {$350.00} XXXX XXXX. {$710.00} XXXX XXXX of {$1400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
I opened a citi bank account about XXXX  months ago. They locked my account with no explanation. I had to wait for a verification letter in the mail. After about 30 days and being evicted from our home because of this and a XXXX hour identity verification process they reopened my account. 
I did not use the account all that much and slowly regained trust for citibank. Well come yesterday I put money in the bank ( about XXXX ) and wake up this morning and cant access my account again. They blocked it and said I have to wait XXXX days again and they will send a check in the mail. I have been reading that many people are experiencing this same issue right now. There has to be something done about this immediately. I have a family to support and bills to pay. Citibank has already caused my family to be homeless once before and I will not let them get away with this again.

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 2025-10-01 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX Late Date XXXXXXXX XXXX This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: FL

Complaint narrative:
Upon reviewing my credit report, i discovered several unauthorized hard inquiries that i do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested there removal. Unfortunately, the credit bureaus refused to remove them off my credit report. 
This issue is causing undue stress, and it's negatively affecting my financial standing.

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 2025-10-01 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: FL

Complaint narrative:
Upon reviewing my credit report, i discovered several unauthorized hard inquiries that i do not recognize. I contacted the credit bureaus to dispute these hard inquiries and requested there removal. Unfortunately, the credit bureaus refused to remove them off my credit report. 
This issue is causing undue stress, and it's negatively affecting my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I was buying something from XXXX XXXX and they offered me a card. It is through Comenity, so it can be used elsewhere. I made one purchase for {$25.00} with the card. I recieved a bill in the mail and I sent a check for the full amount with enough time for the mail to be received on time. I never used the card again. They said that the mail arrived 2 days past their due date and charged me {$40.00} late fee. Then more on top of that. I called to clear it up and they had a {$53.00} penalty charge. They said they would clear it off my account, for an immediate online payment of {$3.00}, which I did, but next month there were more charges, and I hadn't used the card. I contacted them again and asked to close my account and was told that they couldn't clear the late fees if I closed my account, so I asked them to remove fees and again they agreed to, if I paid {$10.00}. I agreed and did an online payment of {$10.00}. So they got the original charge payment of {$25.00}, and now an additional {$13.00} just to clear this up! I never used the card from the first initial charge. I have now received another bill and the fees are for {$83.00}! Due by XX/XX/XXXX. I have a good credit score and I don't want this affecting it and I refuse to pay their crazy late fees when i have not used the card!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
CONVERGENT OUTSOURCING is falsely reporting on my credit. I have never had any accounts with them. Per my research CONVERGENT OUTSOURCING is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Receivable Management Group, Inc. (GA)
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, RECEIVABLE MGMT XXXX XXXX I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA ). 
Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

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 2025-10-01 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: LA

Complaint narrative:
I am writing to advise that I am a victim of 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 XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$3100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1000.00} 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 - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$810.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$6100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$16000.00} 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 - {$0.00} INQUIRIES : 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 2025-10-01 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 want to emphasize that I did not authorize the opening of these accounts, and I suspect fraudulent activity. I urge you to thoroughly investigate these accounts and promptly remove them from my credit report. I have provided supporting documents to substantiate my claims. Your prompt action in resolving this matter is greatly appreciated.

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 2025-10-01 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: IL

Complaint narrative:
I recently reviewed a copy of my credit report and seen that i had fraudulent accounts on my report .These accounts are hurting my ability to obtain credit, please remove any fraudulent accounts.

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 2025-10-01 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: VA

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

1681c2 ) that you, the Equifax 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 Date : XX/XX/24 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: MD

Complaint narrative:
This serves as a rights-preserving dispute and verification demand under FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) and 611 ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ) ( A ) ). Based on the report you furnished dated XX/XX/year>, I do not see any derogatory/late/charge-off coding reported on my accounts. However, to the extent any such codes exist now or subsequently appear or are furnished by any data furnisher, consider each such late month and derogatory code disputed in full.

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 2025-10-01 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: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
In XX/XX/year> I contacted the bank via letter to inform them my card had been lost. They refused to provide proof of the transactions in question were mine and reported on my credit report XXXX months of late payments in a row.

Company response to consumer: Closed with non-monetary relief