vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: PA

Complaint narrative:
To Whom It XXXX Concern : I am writing to dispute inaccurate and unauthorized information listed on my credit report. This relates to an account with XXXX, listed under account number XXXX, and reported by a third-party debt collection agency, XXXX XXXX XXXX. 



Dispute Details : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number ( last XXXX digits ) : XXXX Nature of Dispute : I have no knowledge or records of ever opening an account with XXXX. I do not acknowledge this debt. I have previously contacted the collection agency and, under 15 U.S. Code 1692c, requested that they cease all further communications.

This account is being falsely reported and is damaging my creditworthiness. Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I am requesting that you immediately investigate this item. If the account can not be verified as accurate and belonging to me, it must be promptly removed from my credit report. 

Additionally, please document the results of your investigation and send me a copy of my updated credit report once the matter is resolved. If this account has been furnished by XXXX XXXX XXXX, they are also in potential violation of the Fair Debt Collection Practices Act ( FDCPA ) by continuing collection activity after receiving a written request to cease communication. 

Enclosed are copies of my identification and any relevant documents to assist in your investigation. 
Thank you for your immediate attention to this matter. I expect a written response within the 30-day investigation period as required by law. 

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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: OH

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$750.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$800.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX XXXXredit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I have several Comenity Bank ( Bread Financial ) cards. Every single time I try to make a payment, I'm unable to log in. It appears that because I have multiple accounts, there is often challenges. I have cleared my cache, reset all my usernames and passwords, written them down and every single time I go to log in to make a timely payment, I receive a message saying that my username and/or password is incorrect. It's a vicious cycle that takes hours to get logged in. Many times, I don't have that much time to spend logging in and forget about it. When you can show your attempts to login and ask for a waiver of any late fee, they will only reimburse the amount that you just paid. For example, I have a {$140.00} bill with XXXX XXXX XXXX. I paid {$50.00} and then called to get my {$30.00}, and {$37.00} fee waived due to the many challenges. The representative told me she would only reimburse me {$50.00} since that's what I paid today. Finally, I got a supervisor on the phone that reimbursed the full amount ; and I said I wanted to close my account and pay off the balance. She could not make my balance reflect accurately in my account and said I'll have to call back once my account reflects the refunds and payments accurately in order to close it. The amount of time and energy it takes to manage these accounts is almost built to cause fees and stress. I will be paying off all my Comenity accounts and closing them but I think their login and payment process needs immediate investigation. With a simple XXXX search, you can see I am not the only one with this challenge. Additionally, I have been told many times that even if I can't get logged in I can still make a payment over the phone. I have found many errors on my accounts over the years and I feel it's my right to be able to see my account online and ensure accuracy. Their quick statement to me that I can just make a payment over the phone without verifying accuracy is concerning.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Hello, after XXXX XXXX switched their preferred credit card from XXXX to American Express, I applied for and was approved for the XXXX XXXX XXXX XXXX. Part of what enticed me to open this card was certainly the bonus offer of XXXX points. 

After charging nearly {$30000.00} with the card, I did not receive any kind of points -- points for spend, or the initial bonus offer. 

I contacted customer service and they initially stated that my approval for an introduction offer was denied. I express surprise about this, and they stated it should have been communicated to me when I signed up, and I would have been given the option to discontinue the process. 

I can attest, that this in fact, DID NOT happen -- and if it did, I would not have continued with the process. 

During my initial contact, I requested an appeal, which the complied and asked that I follow up within XXXX. I followed up today, XX/XX/XXXX, and they shared that my request was denied because American Express only provides XXXX introductory offer per customers -- which I received with my XXXX card opened several years ago. 

I have since asked for another appeal ( Case # XXXX ). 

I feel like American Express is not communicating transparently on their introductory card practices. I was not advised of this policy, nor was I given an option to discontinue the sign up process. I find their practices quite frustrating, especially given the fact that a generous Membership Fee is collected, as well as a generous finance rate paid by their customers to American Express who in turn purchases the points given to their customers from XXXX. It's frustrating when your points are not delivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
Ever since I opened the account someone has been accessing it and changing transaction records, taking money out when I wasnt even in the same area nor had a card on me. I went to the bank to complain and they hid all the fraudulent transactions from me. I bought XXXX and I cant even get help from them recovering lost funds or starting an investigation

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 2025-06-15 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: AZ

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 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 non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
Had account with XXXX XXXX Co. Paid XXXX premiums to progressive than they added grandsons on to my account without me knowing and added charges to the account when my grandsons where ready insured by XXXX on their Father account I then contacted Progressive and told them about what happen and they did nothing but sold my account to this collection agency without my knowledge, and now this collection company that I never had an account with is trying to collect a payment that was already paid to XXXX XXXX Co. 

This account is appearing on my credit report and needs to be deleted because this is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I ask that these items be deleted so my credit report will only show accurate information

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 2025-06-15 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I ask that these items be deleted so my credit report will only show accurate information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I paid my first car payment and after looking over the invoice I seen that out of my {$710.00} car payment only {$100.00} went towards the car Principle and {$600.00} on interest I don't understand how this can happen I just lost my first car only had it for 6 months some one hit me was a total loss XX/XX/XXXX after losing XXXX  months of car payments losing my car now this I just don't understand how this can be Possible they add interest on your car loan when you get it. And now they're taking interest out of my car payments. I'm so confused and don't understand. 
I would never agree to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: IN

Complaint narrative:
Discover keeps refusing to honor an FTC id theft report for 3 years. Have offered XXXX proof of their statements other than they said its true.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax and TransUnion ] Subject : Request to Block Fraudulent Information under 15 U.S. Code 1681c-2 ( FCRA Section 605B ) Dear Credit Bureau I am writing to you pursuant to 15 U.S. Code 1681c-2 to formally request that you block all information on my credit report that has resulted from identity theft. 
The following accounts are fraudulent and were opened or created without my knowledge, authorization, or consent : XXXX XXXX XXXX XXXX {$130.00} XXXX XXXX  XXXX XXXX {$260.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$6200.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$9200.00} I have enclosed the following documents to support my request and meet the requirements under the Fair Credit Reporting Act : As required by law, I request that this information be blocked from my credit report within four ( 4 ) business days of receipt of this documentation. I also request written confirmation that this block has been placed and that all affected creditors have been notified. 
If you need additional information from me, please contact me at the phone number or email listed above. 
Thank you for your prompt attention to this serious matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
On XX/XX/XXXX, I would like to let you know that I did application for credit card then I got email from capital one that I need provide document verifications. Then I just found out by mail unexpectedly on XX/XX/XXXX. I received the mail of credit card and I m try activate card but its barrier me to gain access the account online and not match last XXXX digit of credit card. I m been frustration with capital one customer service keep request new cards for 5 times. On XX/XX/XXXX, I received transfer to senior supervisor to resolve this cases by last week which it issues about XXXX credit card which its not good anymore due to fraud. They told me that I supposed to get by Thursday and my mom already check mail from postal office supposed by today. Therefore again I call today on XX/XX/XXXX at XXXX to resolve this issues againcapital one representative not really help me at all so I ask for transfer senior supervisor to handle this situation then I m very concerned and upset because I found out that seniors supervisor stated that someone call relation my account today at XXXX its which fraud because I was been busy errands all day until XXXX. I just shocked that situation happened. So also me and I ask my mom involved to discuss with senior supervisor on the phone relation my situation resolve since I live with her its her address. I m very disappointed with capital one how they not really resolve with my cases and wont ability send emergency or express mail or wont let em go in person to pick up credit card by branch. I m disappointed that they keep ask me for scanning the drive license for security reason. I already been scanning my drive license many times and they say cant be verified document. I just got successful log in account yesterday XX/XX/XXXX online capital one and found out error the address, email address, payment from other bank which its not mine. So far I see the correct address plus my cell phone number I m so XXXX off because they did not ability resolve this issues since they keep saying that will resolve be XXXX hours which never resolve its been since whole the months! Please call me via video relay service Interpeter approved by XXXX XXXX XXXX at XXXX or email me at XXXX. Its really scared me with fraud and financial abuse of my name and social security. Please take serious resolve this matter. Thank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-15 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: MD

Complaint narrative:
I submitted a credit dispute to TransUnion on XX/XX/year>. Their system confirmed that the dispute went into review on the same day. 

As of XX/XX/year> XXXX  days later I have not received any resolution, final investigation results, or communication. 

Under the Fair Credit Reporting Act, TransUnion is required to complete investigations within XXXX  days, or up to XXXX  days if more information is provided ( which I did not submit ). 

I am requesting that the CFPB investigate this delay and compel TransUnion to either : Provide the results of the investigation immediately, or Remove the disputed item ( s ) if they missed the legal deadline.

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 2025-06-15 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: PA

Complaint narrative:
I am a victim of identity theft, exposed in the XXXX  XXXX. There is fraudulent information reporting on my credit report such as names, address, accounts and. I am aware the that the CFPB is suing Experian form not properly investigating consumers disputes. I have tried to fix this with the company and had no success. As an identity theft victim under the FCRA 15. USC codes specifically 1681B, 1681c-2, 1681s-2, and 1681i. I demand this fraudulent information be removed from my credit report in 4 business days. I have already took legal action.

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