vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I use a card from Comenity Bank that provides 5 % cashback for purchases made at XXXX. I made a purchase on XX/XX/year> at XXXX in the amount of {$2800.00}, which entitled me to a cashback reward of {$130.00} in purchase certificates ( 9 purchase certificates worth {$15.00} each ) usable at XXXX. I was never notified that the certificates were issued, and I kept checking the rewards center on the online platform ( as I checked my balance and transactions, and made my payments on time ), where my rewards balance stayed around {$1.00} only, and the fine print reads that " Rewards Balance may take up to two billing cycles to reflect earnings after purchases ''. There was no mention of any purchase certificates having issued. On XX/XX/year>, the day after XXXX, 3 billing cycles had passed since the purchase, so I contacted customer service to inquire about the certificates and I found out that the certificates were embedded at the very end of the XXXX billing statement, and had expired the day before XXXX, on XX/XX/year>. I called the bank to inquire about the miscommunication due to the lack of notice about the issuance of certificates, the rewards available balance, and the fine print mentioning two billing cycles for the rewards to reflect on the balance, but they refused to extend the certificates or reissue them for me to be able to use them towards a purchase. This resulted in my loss of {$130.00} in rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems received my certified debt validation request on XX/XX/year> ( USPS tracking confirms delivery ). They failed to provide any debt validation within the required 30-day period under FDCPA 1692g ( b ). Despite this, they continue reporting two alleged debts ( XXXX XXXX and XXXX XXXX  ) to credit and tenant screening agencies. This is illegal reporting of unvalidated debt and an FDCPA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: PAID IN FULL, INC.
State: AZ

Complaint narrative:
I work as a nurse in an XXXX XXXX XXXX Department in XXXX Az XXXX, and management kept asking me to take a full-time position between XX/XX/XXXX2023 and XX/XX/XXXX 2024. They then offered me a bonus for in exchange for a XXXX-month commitment. Terms were negotiated and I took the {$10000.00} bonus. The company did not fulfil their end of the contract and due to the stressful and not fulfilling their end of the terms that were negotiated, I requested to be returned to an oncall position. After the status change, XXXX reached out XX/XX/XXXX times requesting re-payment. I explained that I would like to negotiate the repayment given the fact that others in the same predicament had been able to negotiate or completely forgive the bonus. The XXXX collections person, XXXX XXXX, would not hear me out and continued to state that if I did not make a payment arrangement, they were going to send the debt to reflect on my credit. I attempted to speak to the ER director and sent emails requesting assistance. I did not get assitance from anyone and shortly after I received a letter dated XX/XX/XXXX from Paid in Full, Collection and Billing, XXXX XXXX XXXX, XXXX Az XXXX, XXXX. I reach out to my attorney, and he stated that Paid in Full is violating the following : " On XXXX XXXX behalf, and pursuant to the federal Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXX et seq., we hereby notify you that he is disputing this debt in the aforesaid amount and demands written verification of the debt. Furthermore, XXXX XXXX disputes any addition of interest on this alleged debt and demands documentation of any agreement purporting to authorize such interest. '' A letter from my attorney was sent to Paid in Full, on XX/XX/XXXX, which I will attaching along with the responses that they issued. 

There has not been any judgment entered against me and no interest was ever agreed upon for repayment with neither XX/XX/XXXXor Paid in Full. 

Please feel free to reach out with any other questions. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Scammers calling to tell me someone opening account in my name phishing for information text and call XXXX ( XXXX ) XXXX Told me after phone call will email me. I said I prefer an email in order to move forward and they hung up. The text number when I texted stop as per the notification did not give an automated stop notification response. Please do something I receive calls like this at least 1x a week Said opening account using my information in Florida Wells Fargo Bank

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 2025-11-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Hi, I am writing to correct my personal information on my credit report. There are two previous addresses listed that are inaccurate. The current address listed is also incorrect. These errors have been causing complications with my credit applications, which has been very stressful and frustrating.

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 2025-11-29 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, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach.

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: SC

Complaint narrative:
I am submitting a follow up on a previous dispute I submitted concerning inaccurate information on my credit report. Upon reviewing my most recent credit report, I continue to find discrepancies regarding the reporting of late payment statuses on several accounts. Despite my prior request, the following accounts still appear to reflect inaccurate or misleading information. I have thoroughly reviewed my personal records and payment history, and I maintain that the late payment reports associated with these accounts are incorrect. I respectfully request a renewed and thorough investigation into these matters, and that the necessary corrections be made as soon as possible. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : $ XXXX 120 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Late 60 Days

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 2025-11-29 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: PA

Complaint narrative:
I am writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MORGAN STANLEY & CO. LLC
State: WA

Complaint narrative:
My account was opened with E * TRADE/Morgan Stanley Bank on XX/XX/XXXX ( checking XXXX, savings XXXX ). Since then it has been repeatedly put into account restriction- quite literally after every normal action made. First it was because I needed to submit id and verify phone number, then because I ACH transferred a small amount of funds from my XXXX  account and needed to provide a bank statement, then it was because I needed to prove I worked for my employer who sent my paycheck direct deposit with a paystub, then it was because of a {$1.00} deposit from XXXX which they insist I need to provide a bank statement or a 3 way call- first of which does not exist and XXXX does not have a phone number. I have provided every bit of documentation they have requested, aside the last one which is not possible, and my document submissions are not working to unrestrict my account. I received a direct deposit on XX/XX/XXXX and they are currently holding {$1000.00} of it which is all the money I have and they are causing immense financial hardship by making arbitrary restrictions and making me go round and round with customer service and waiting for each and every document to get processed and reviewed by a team I am unable to communicate with ( they do not have a direct line! Even for the employees! ). I have made 14 phone calls to customer service attempting to resolve the ongoing problems to no avail. The agents literally just tell me there is nothing they can do. This is the biggest nightmare, I just want access to my direct deposited funds so I can close this account and never deal with etrade again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Block, Inc.
State: MD

Complaint narrative:
Ive had two cashapp accounts closed due to violating the terms and conditions the first account was closed for gambling but Ive only used that account for buying basic necessities. My new account I got about a month ago I had used maybe 4 times and it was randomly closed AGAIN. I then learned that cashapp updated their terms and conditions and that others were experiencing glitches. I let cashapp support know and filed an appeal. They said to give information about what I used the account for which again is basic necessities. I asked what else i could do and the chat was ended and now I keep receiving the same generic animated bot.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SELECT PORTFOLIO SERVICING, INC.
State: NM

Complaint narrative:
I made a previous complaint against Select Portfolio and the case came back as closed without a sufficient resolution for us. Select Portfolio sent correspondence stating they were authorozing a lien release after my complaint. I want ro make it clear that we surrendered the colleral in XXXX XXXX and have no possession of the home and do not want it. Ownership can not be forced upon us as bankruptcy overrides the XXXX  release. Sps can release the XXXX  to the landowner where the home sits. It is not affixed to the land but sps keeps calling it real property. It is not. And unless and until they correct all errors related to this issue I will continue to make complaints. Legally the discharge can not put this back on us and by sps saying they are releasing their XXXX thats what they are trying to do. But then they write back denying my allegations of wrongdoing when thats exactly what they are doing. Let me stress this in no uncertain terms, we reject any ownership of the collateral and will not accept any title. Sps can however release their lien to XXXX XXXX XXXX ( land owner of lot ) and or her attorney XXXX XXXX XXXX. If sps does not address these concerns and take corrective action to reflect our bankruptcy injunction we will ask that the injunction be enforced to its fullest extent. We explicitly deny ownership of this home and have not had possession of it since surrendering it in bankruptcy. Our bankrupty prevents lenders from trying to make us responsible and can not force ownership upon us. We are hereby abandoning any ownership back to sps and or its XXXX. I have uploaded a copy of our bankruptcy order and sps own correspondence recognizing the discharge and verifying we surrendered the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I attempted a money transfer via Western Union on XXXXXXXX XXXX XXXXXXXX. Due to a network/system error, the transfer is shown as Incomplete in the Western Union app , no XXXX  was generated, and no money was sent to the receiver. 
However, my debit card ends in XXXX, paid via XXXX XXXX, was charged and the transaction shows as processed. 
This is a merchant error the service I paid for was never provided. I request this transaction to be disputed/ charged back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MS

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 2025-11-29 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: NC

Complaint narrative:
Good day, I am writing to follow up on my previous letter where I requested the three credit bureaus to remove the remaining fraudulent items from my credit report. I am sending this letter to ensure that Experian, Equifax, and TransUnion credit bureaus will indeed remove the items listed below. Additionally, I would like to express my gratitude for removing some of the fraudulent items from my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX ( Original XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Balance : {$270.00} ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$160.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$100.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$120.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$90.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: 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 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 2025-11-29 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 2025-11-29 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: TN

Complaint narrative:
I have 18 hard inquiries on my Transunion report that i need removed these inquiries are just car dealership inquiries and they are not important at all. I just had went to the dealership to see cars and my credit got ran i never got any cars from these dealerships Im not paying anything on them neither the credit cards i was seeing if i could get approved for cars and credit cards and that is why these hard inquiries are on my credit report.

PLEASE, I NEED THESE HARD INQUIRIES REMOVED OFF MY TRANSUNION CREDIT REPORT.

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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: AXOS FINANCIAL, INC.
State: PA

Complaint narrative:
My name XXXX XXXX and this complaint is for my mom as well XXXX XXXX we both need our portal account login to be deactivated and deleted and deleted out the system so we cant login no more and fully unenroll out the system and unsubscribe from getting emails our email is XXXX and email is XXXX and usernames is XXXX for me and her username is XXXX and our ssn is XXXX for me and birthday is XXXX and her is ssn XXXX and birthday is XXXX and send me the left over amounts we have in our checking and saving check by a check by mail to XXXX XXXX XXXX XXXX XXXX  XXXX to XXXX XXXX etc and also unsubscribe us from getting text messages to line number XXXX and line number XXXX etc.

Company response to consumer: Closed with explanation