vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit card — Store credit card
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: VA

Complaint narrative:
Opened Carter 's Credit card when buying clothes for grandkids. Instant approval at store. {$500.00} in XX/XX/XXXX, Never got card. 

Got call of deliquent payment on XXXX XXXX, XXXX, paid the {$500.00} in full and demanded the card be closed. 

Deliquent fees and penalties were continued for the next six months, eventually written off by Comenity Capital Bank/ The XXXX After XXXX  they changed to closed by customer ( but showing the closure in XX/XX/XXXX after months of accruals, growing 30 days each month and increases in amounts due followed by a write off ). Shocking enough ( I am sure this is a common scam so start a class action lawsuit please ) the penalties/fees were almost as great as the original purchase, paid in full. Do note that I also got many harassing calls from the bank.

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: PA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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: TN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I have tried to phone call and message with PayPal and have gotten no where. The refunds due me are : XXXX. XXXX XXXX {$66.00} XX/XX/year> XXXX. XXXX XXXX  {$79.00} XX/XX/year> XXXX. XXXX {$110.00} XX/XX/year> Every type of communication is responded to by AI. I have been unable to get to a live agent after several tries so therefore I have not spoken or messaged with a live agent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NY

Complaint narrative:
b"I have been a victim of identity theft and I have had my bank account information stolen, my IRS account every single account that I have had associated with my money. I had had an account with cash app and I haven't been able to get into it for quite some time. I have been trying to get into for almost half a year now the cashapp tag id XXXX, my name is XXXX  XXXX, the number associated with the account is XXXX which I don't have that phone number anymore to authenticate it. The email I guess has been changed on me for it and I wanted to say that I did not authorize anyone to do such thing. My account have been hacked sense about XXXX  this year. And I'm still trying to figure out how to get back into them. I can be reached at XXXX, or XXXX... \nI would like to be able to access my account cause there is funds in there that I'm trying to get out, my account is closed from my understanding.\nThe cards as far as I know of that have been associated with that account are:\n XXXX XXXX XXXX XXXX XXXX XXXX exp. XXXX XXXX XXXX XXXX XXXX XXXX exp XXXX XXXX XXXX XXXX XXXX XXXX exp XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: MI

Complaint narrative:
I had been staying at a hotel for a couple weeks. I checked out on my check out date of XX/XX/year>. I was charged a week later on XX/XX/year> to my Chime debit card on file for 2 charges of {$64.00} and {$320.00}. Both charges totaled together was my previous weekly rate I had been paying but I was checked out of the hotel. I contacted the hotel & it was an error by the system but they were unable to refund it on their end. I contacted Chime Bank & filed a dispute for an unauthorized charge which they denied 2 days later. I even contacted them again to tell them the hotel said the charges are unauthorized and they could contact the hotel merchant if needed to confirm this. I was charged a total of {$380.00} that Chime is now denying me back even though the merchant said it was incorrect but unable to reverse it on their end. Please get me my money back.

Company response to consumer: Closed with 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: MI

Complaint narrative:
his 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/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00}

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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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: TN

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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: EQUIFAX, INC.
State: NV

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/year> 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 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 explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, TransUnion, and XXXX XXXX for reporting fraudulent and inaccurate information on my credit reports and failing to correct it after disputes. 

There are over XXXX hard inquiries on my credit reports that I did not apply for or authorize. These were obtained without my permission and violate FCRA 604 ( 15 U.S.C. 1681b ), which requires a permissible purpose for any inquiry. I never gave consent to any of these companies, and the bureaus have not removed them despite being notified. 

There is also a XXXX XXXX collection account reporting to all three bureaus that I never opened, never authorized, and have no knowledge of. I have never received a bill, contract, or agreement for this account. This is identity theft or mixed-file reporting. 

In addition, there is a bankruptcy showing on my credit report that I never filed in any court. I have never gone through bankruptcy proceedings, and this is entirely inaccurate and damaging. 

I formally disputed all of these items with Equifax, Experian, and TransUnion, but they failed to properly investigate or remove them. This violates FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), identity theftrelated accounts and inquiries must be blocked after dispute, but the credit bureaus have not complied. 

These wrongful reports have caused me financial harm, credit denials, and emotional distress. Their failure to correct the fraudulent information demonstrates willful noncompliance with the FCRA and FACTA.

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 — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am filing a formal complaint against Equifax, Experian, TransUnion, and XXXX XXXX for reporting fraudulent and inaccurate information on my credit reports and failing to correct it after disputes. 

There are over XXXX hard inquiries on my credit reports that I did not apply for or authorize. These were obtained without my permission and violate FCRA 604 ( 15 U.S.C. 1681b ), which requires a permissible purpose for any inquiry. I never gave consent to any of these companies, and the bureaus have not removed them despite being notified. 

There is also a XXXX XXXX collection account reporting to all three bureaus that I never opened, never authorized, and have no knowledge of. I have never received a bill, contract, or agreement for this account. This is identity theft or mixed-file reporting. 

In addition, there is a bankruptcy showing on my credit report that I never filed in any court. I have never gone through bankruptcy proceedings, and this is entirely inaccurate and damaging. 

I formally disputed all of these items with Equifax, Experian, and TransUnion, but they failed to properly investigate or remove them. This violates FCRA 611 ( 15 U.S.C. 1681i ) and FCRA 623. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), identity theftrelated accounts and inquiries must be blocked after dispute, but the credit bureaus have not complied. 

These wrongful reports have caused me financial harm, credit denials, and emotional distress. Their failure to correct the fraudulent information demonstrates willful noncompliance with the FCRA and FACTA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: eToro USA LLC

Complaint narrative:
Dear Sir/Madam, I am writing to formally file a complaint against eToro XXXX XXXX XXXX XXXX XXXX for their failure to release my funds and lack of transparency regarding pending transactions. 

Primary Issue - SWIFT Transfer Delay : On XX/XX/XXXX, I requested a SWIFT transfer of USD {$24000.00} from my eToro account to my XXXX bank account. As of today 's dateXXXX XXXX, XXXXmore than 19 days later, the funds have still not been credited to my account, nor do they reflect in my eToro account. Yesterday, an eToro representative assured me that I would receive the entire amount within 12 hours. This commitment has not been met, and the amount remains pending. 

Secondary Issue - In another case, on XX/XX/XXXX, I initiated a transfer of USD {$20000.00} from my XXXX XXXX XXXX Bank account to my eToro account. However, only {$19000.00} was credited, and {$570.00} was deducted under the claim of 'currency conversion & bank fees ' by the intermediary bank XXXX XXXX XXXX despite the transaction being USD to USD. After numerous escalations, the intermediary bank responded that the shortfall amount, after correct fees deduction, would be deposited to my eToro account. However, this amount does not reflect in my eToro account as yet, and no further explanation has been provided by eToro 's support team regarding this.

Impact and Request for Action : I have endured significant financial losses and frustration due to these delays and unexplained charges. Despite repeated communications and escalations with eToro and both banks, I have not received any resolution. I am compelled to seek regulatory intervention and, if necessary, consider legal action. 

I request the following : An urgent update on the status and expected completion date of the USD {$24000.00} SWIFT transfer, with a commitment to credit the funds without delay. 
A clear explanation and resolution regarding the missing {$570.00} from my XX/XX/XXXX deposit. 
Please acknowledge receipt of this complaint and advise on the next steps for investigation and resolution. 

I can provide any supporting documentation of my transactions and communications with eToro upon request. Case IDs with eToro are XXXX & XXXX Thank you for your immediate attention to this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I am disputing a collection account reported by Radius Global Solutions for {$1400.00} ( original creditor : XXXX ), appearing on my XXXX, XXXX, and XXXX credit reports. 

This account is reporting inaccurate, incomplete, and unverifiable information : 1.Under FCRA 15 U.S.C. 1681e ( b ), credit bureaus must maintain maximum possible accuracy. Reporting conflicting dates and unverifiable balances across bureaus is a direct violation.

2.Under FCRA 1681i ( a ) ( 1 ) ( A ), the bureaus are required to conduct a reasonable investigation. Reliance on automated data-matching instead of producing competent evidence is not sufficient.

3.Under FCRA 1681i ( a ) ( 5 ) ( A ), if the information can not be verified, it must be promptly deleted.

4.Reinsertion Violation : This account has been deleted multiple times and then reinserted without proper certification and notice. This violates FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ), which prohibits reinsertion of previously deleted information unless the furnisher certifies its accuracy and the consumer is notified in writing.

5.Under FDCPA 15 U.S.C. 1692g, debt collectors must provide proper validation of a debt, including the original signed contract, itemized statements, and a legal assignment agreement. To date, no such validation has been provided by Radius Global Solutions. 

Requested Action : I am requesting the CFPB to investigate and require Radius Global Solutions and the credit bureaus to provide competent evidence of this debt. If proper documentation can not be produced ( wet-ink contract, chain of assignment, and billing records ), I am requesting permanent deletion of this collection from all three credit reports

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: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I urgently been needing to open a bank account with major banks and havent been able to no matter of my credit score increase etc and I also paid all of my debt back to the backs that required so. So Im confused on whats the problem with me opening a simple checking account! I need assistance! And answers please.

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: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Revenued LLC
State: FL

Complaint narrative:
I am the owner of XXXX XXXX XXXX XXXX XXXX presented itself as a collector/servicer for an alleged Revenued account marketed as a card/charge card. After my formal requests to reduce remittances due to a documented revenue decline ( dates shown in the attached emails ), XXXX  continued to demand fixed payments and contacted third parties who are not parties to the contract, including my customers ( e.g., XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX ), in attempts to divert receivables to XXXX. XXXX  also requested documents from unrelated third parties. 

In writing, I asked XXXX  for : ( a ) proof of authority to act on my account; ( b ) the contractual or legal basis for contacting my customers and requesting third-party documents ; and ( c ) a detailed explanation of debits taken after my reduction requests, including the calculation methodology. XXXX  did not provide substantive responses, and the third-party contacts and fixed-payment demands continued. 

This conduct interferes with established business relationships, causes reputational and financial harm, and is inconsistent with good-faith collection practices. Evidence attached includes XXXX  emails/letters, communications sent to my customers, a dated contact timeline, and bank statements showing fixed debits not aligned to actual revenues

Company response to consumer: Closed with explanation