vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-21 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: MI

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which violates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me.

The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) - XXXX XXXX XXXX XXXX XXXX : XXXX XX/XX/XXXXXXXX XXXX BANK XXXX XXXXXX/XX/XXXXXXXX

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 2025-11-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Yes I was married to a guy that was XXXX. He took out a XXXX XXXX but I didn't I did not have a job he did the finances. I found out at the beginning of 2025 that my tax refund was taken by them. I file it as not mine on dispute and than fraud. They ignored me, now after being divorced forXX/XX/XXXXyears they start garnishing my wages. I can barely afford anything. I have tried communicating with Transunion but they ignore me. I can't afford an attorney I really need help before I lose my job!

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 2025-11-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Americas Car-Mart, Inc.
State: KY

Complaint narrative:
All I did was test drove the vehicle when I went down XXXX XXXX in it thats when it broke down they swore they would fix it and never did but expect me to pay for it

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I disputed an XXXXComenity/Zales credit card account withXX/XX/XXXX in XX/XX/year>2025. The account begins with XXXX. XX/XX/XXXX updated the item but did not correct the inaccurate and incomplete information. 

The creditor information is incomplete.XX/XX/XXXXlists no phone number, no working contact information, and only a XXXX XXXX XXXX This makes verification impossible and violates FCRA reporting requirements. 

The account shows multiple inconsistencies : {$540.00} charge-off {$0.00} balance Purchased by another lender but no lender listed Old credit limit and dates still showing even after alleged sale XX/XX/XXXXdid not provide the method of verification or correct any errors during the XX/XX/scrub> 2025 reinvestigation. ComenityXXXXZales has not provided the original agreement, ownership documentation, or a breakdown of the charged-off amount. 

This account is also aged and nearing the XXXX reporting limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: LA

Complaint narrative:
On XX/XX/XXXX and XX/XX/year>2025, I made XXXX separate XXXX XXXX transfers totaling {$300.00} to the wrong Chime user, XXXX XXXX ( $ XXXX ), due to a * * clerical error * * In selecting the recipient. The transactions were for {$100.00} each. 

* * Recipient Refusal ( Evidence Attached ) : * * Upon realizing the mistake, I immediately attempted to contact the recipient and submitted multiple refund requests through the Chime platform. The recipient, XXXX XXXX, has since * * actively blocked me from sending any further requests or communication * *. I have attached evidence in the supplemental file showing the communication attempt and the specific error message Unable to process. XXXX XXXX is not currently exchanging money or boosts with youre account. This proves the recipient is acting in bad faith by cutting off communication and wrongfully retaining the funds ( unjust enrichment ). 

* * Chimes Failure to Investigate : * * I contacted Chime XXXX to file a formal dispute for the total {$300.00}, explaining the clerical error and the recipients bad faith. However, the Chime manager I spoke with * * refused to assist * * and improperly * * confused this XXXX XXXX dispute * * with a separate, unrelated claim on my account. Due to this managerial failure, Chime failed to properly initiate and track my dispute and provided no clear explanation or resolution path. I was not given a dispute ticket number, written status, or any supporting documentation for the claim. I am filing this complaint because Chime has refused to help recover my funds and has severely mishandled the documentation of this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XX/XX/XXXXXXXX

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports by XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX : {$820.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$680.00} and the failure of the credit reporting agencies EQUIFAX, EXPERIAN and TransUnion to properly investigate and correct these inaccuracies , in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision. 
4. FCRA 1681i Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity.

5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. 
Legal Precedent In XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX  ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: MI

Complaint narrative:
This complaint concerns the continued reporting of inaccurate charge-off statuses on my credit reports by XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX XXXX XXXX : {$820.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$680.00} and the failure of the credit reporting agencies EQUIFAX, EXPERIAN and TransUnion to properly investigate and correct these inaccuracies , in violation of multiple federal laws. 
Despite submitting disputes and validation requests, the creditor and CRAs have continued to report these accounts as charged off without providing sufficient verification or evidence to substantiate the validity of the debts. 

Violations of Federal Law 1. Fair Credit Billing Act 15 U.S.C. 1666a Creditors are required to correct billing errors and ensure accurate reporting. Continued reporting of inaccurate charge-off statuses after disputes and requests for validation constitutes a violation of this statute.

2. Gramm-Leach-Bliley Act 15 U.S.C. 6802 This act restricts the sharing of nonpublic personal information without proper authorization. By reporting false or unverified debt information to third parties ( credit bureaus ), the furnisher has disclosed inaccurate private data without consent.

3. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681a ( i ) ( 1 ) ( A ) The FCRA mandates that consumer reports contain only accurate and verifiable information. Continuing to report false charge-off statuses after disputes, without proper verification, violates this provision. 
4. FCRA 1681i Failure to Reinvestigate After I submitted disputes, the CRAs were legally required to conduct a reasonable reinvestigation. They failed to do so, continuing to report inaccurate data without substantiating its validity.

5. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy Reporting unverifiable charge-off accounts without proof of ownership or assignment breaches the CRAs duty to ensure the maximum possible accuracy of consumer files. 
Legal Precedent In XXXX XXXX Trans Union Corp., 115 F.3d 220 ( 3d Cir. XXXX  ), the court ruled that CRAs can not simply rely on a furnishers response to a consumer dispute. They have an affirmative duty to independently verify the accuracy of disputed data. The CRAs failure to verify these charge-off accounts beyond superficial responses constitutes a violation of this established legal standard.

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 2025-11-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Block, Inc.
State: FL

Complaint narrative:
On XX/XX/scrub>, 2025 someone gained access to my Cash App account and there were XXXX different unauthorized transactions done theXX/XX/XXXXone was at XXXX XX/XX/XXXX for {$1500.00} and the XX/XX/XXXX was at XXXXXX/XX/XXXX for {$7000.00} there was a XX/XX/XXXX attempted transaction for {$5000.00} but that transaction was unsuccessful because I did not have that much left in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: FL

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under XXXX, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. XXXX ( a ) ( XXXX ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. CXX/XX/XXXXe XXXXb outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. CXX/XX/XXXXe XX/XX/XXXXXXXX a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. CXX/XX/XXXXe XXXX Section XX/XX/XXXX (XX/XX/XXXX) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( XX/XX/XXXX ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


ACHIEVE PERSONAL LOANS - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XX/XX/XXXXXXXX BANK XX/XX/XXXX) - XXXXXX/XX/XXXX ( Original Creditor : XX/XX/XXXXXXXX BANKXX/XX/XXXX. ) - XXXX INQUIRIES : XX/XX/XXXXXX/XX/XXXX XXXX XXXX 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 2025-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with additional add-on products or services purchased with the loan
Company: GLOBAL CREDIT UNION
State: WA

Complaint narrative:
Loan Provider : Global Federal Credit Union Originating Dealership : XX/XX/XXXXXXXX ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX ) Loan Date : XX/XX/XXXX Vehicle : XXXX XXXX XXXX, VIN ending XXXX, XXXXXX/XX/XXXXI am filing this complaint because my auto loan with Global Federal Credit Union was fraudulently inflated by the dealership,XX/XX/XXXXXXXX XXXX XXXX through forced add-ons, misrepresentation, and the inclusion of uninstalled products. 

XXXX. Loan Was Illegally Inflated by Forced Add-Ons The dealership added {$3800.00} in unwanted and uninstalled add-ons ( {$4200.00} with tax ) to my loan after I explicitly refused them. I was repeatedly told I could not buy or take delivery of the vehicle unless I agreed to these items : XXXX XXXX {$1400.00} Pulse Safety System {$990.00} ( contract explicitly says NOT INSTLL ) XX/XX/XXXX Protect {$990.00} Administrative Fee {$400.00} These charges were inserted into my Global FCU loan to inflate the loan principal and monthly payment. 

XXXX. Products Were Not Installed Despite Dealer Claims The finance and sales departments stated that all add-ons were mandatory and already installed. 

This was false. 

The following day, I returned to the dealership and asked when and where these items had been installed. At that time, the staff admitted none of the products had been installed, and I was told I must schedule a separate appointment for installation. 

Evidence attached : Retail Purchase Agreement clearly showing NOT INSTLL XXXX app screenshot showing Hardware not present and Unable to locate the car Service department acknowledgment that nothing was installed XXXX. Dealer Lied About Factory Warranty to Force a $ XXXX Extended Warranty I was falsely told the factory warranty had expired, which is untrue. 
A XXXX XXXX XXXX with XXXXXX/XX/XXXX is still covered under : XXXX bumper-to-bumper warranty XXXX powertrain warranty I was pressured into buying a XX/XX/XXXXXXXX extended service contract based on this false information. 

This is a violation of : Truth in Lending Act ( TILA ) FTC CARS Rule Federal prohibitions against misrepresentation XXXX. Dealer Refusing to Correct Loan Trying to Force Vehicle Return Instead of correcting the loan, the dealership is trying to pressure me into returning the entire vehicle. 
I want to keep the MDX I only want the fraudulent $ XXXX in charges removed from my Global FCU loan balance. 

XXXX. Other Agencies Notified I have filed complaints with :XX/XX/XXXXAttorney Generals Office XX/XX/XXXX Department XXXX XXXX ( Dealer Investigation Division ) XXXX. Military Status ( Request for Expedited Handling ) I am an enlisted XXXX in the XXXX XXXX XXXX XXXX, scheduled to ship to Basic Combat Training in XX/XX/XXXX. 

I respectfully request expedited review due to the financial harm and my limited availability before military training.

Company response to consumer: Closed with explanation