vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
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 LA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$380.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
recieved in the mail today XX/XX/year> about Barclay declining my dispute for {$120.00}. They stated the merchant validated the charge but I returned it in XXXX where a refund should have been processed.

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 2025-06-24 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:
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, NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$410.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX & XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$310.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-24 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 am submitting a refiled complaint regarding Comenity Bank 's mishandling of my account, which resulted in incorrect credit reporting and unfair late fees. 

Comenity claimed they sent a welcome packet and billing statements to my mailing address on file. However, their system shows they entered my apartment number incorrectly as XXXX XXXXXXXX instead of the correct XXXX XXXX. As a result, I never received any physical statements or my credit card. ( See attached screenshot showing the incorrect address in Comenitys system. ) Their original response states : We mailed the Welcome Packet, credit card and the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX billing statements to the address on file... We received notification of returned mail on XX/XX/XXXX. 

This proves that the mail was never delivered properly. Not because of any fault on my end, but due to their internal error. Yet Comenity continued to assess late fees and report delinquencies to credit bureaus without correcting their own address mistake. 

I received no notice of the balance due or delinquency. I also was not enrolled in paperless statements during this period, and I received no emails ( none were returned as undeliverable, which suggests Comenity never sent them properly ). 

Their original CFPB response offered a {$2.00} credit but refused to reverse the late fees or remove derogatory reporting. They also closed my account without resolving the core issue. However, they did state : We requested the credit reporting agencies remove the account and associated inquiry from the credit report. This may take up to 60 days. 

This contradicts their refusal to remove the associated late fees or delinquencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: LA

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 XXXX XXXX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3100.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : DP OF EDUC # XXXXXXXX XXXX XXXX  - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX TransUnion

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 2025-06-24 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: AR

Complaint narrative:
Reporting agency is reporting wrong information on my credit without the proper verification

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 2025-06-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: NC

Complaint narrative:
I am trying to appeal my account that was closed and they never do anything they want tell me what terms I violated they send Me the link to read terms

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I entered into an auto loan agreement with Capital One Auto Finance under a LAW 553 ARB CA retail installment contract. After a detailed review, I identified major discrepancies involving the finance charge, amount financed, and inclusion of non-mandatory add-ons which were deceptively bundled into the loan. These discrepancies raised serious concerns regarding violations of the Truth in Lending Act ( TILA ), California consumer finance laws, and the Uniform Commercial Code ( UCC ). 

On XX/XX/XXXX, I submitted a formal complaint to the CFPB detailing these violations and requested validation of the alleged debt and proof of Capital Ones lawful standing as the holder in due course.

Capital One responded, denying wrongdoing, but failed to provide critical documentation including : Full validation of the alleged debt ; Proof of lawful assignment and ownership of the contract ; Clarification regarding the reduced settlement offer issued on XX/XX/XXXX, lowering my balance from {$39000.00} to {$9000.00} without explanation. 

Following this, I issued a Cease and Desist Letter and subsequently submitted a formal arbitration demand to the XXXX XXXX XXXX, which is currently pending. 

Despite being notified of the dispute and arbitration, Capital One has continued to report the account as charged off to XXXX causing severe credit damage. This reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), which prohibits furnishing inaccurate or unverifiable data after a dispute is filed. This is especially egregious as the account is under an unresolved legal process.

Capital Ones ongoing failure to comply with validation and dispute obligations under FCRA, TILA, and California law, combined with its reporting of derogatory data during arbitration, demonstrates bad faith, willful noncompliance, and ongoing harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: PA

Complaint narrative:
Formal Dispute of XX/XX/year> Late Payment Due to Discover System Error To Whom It May Concern, I am writing to formally dispute a late payment reported on my XXXX account for XX/XX/year>. This letter is not a goodwill request, but a request for correction due to a system error caused by XXXX  platformas confirmed by your representative during our recent conversation. 
On the day the payment was due, I attempted to submit my payment through XXXX  online system. 
During the transaction, the site began buffering and freezing, and I believed the payment had gone through successfully. I was not notified otherwise and remained unaware of the failure until my financial advisor reviewed my credit report and noticed a drop in my score. 
I immediately contacted XXXX to address the issue. During the call, the representative acknowledged the problem and confirmed that she would begin making the necessary changes on her end. However, she also informed me that I was required to submit a written letter explaining the situation in order to support and finalize the correction. 
The representative also noted the following : I have since enrolled in XXXX and all payments are fully current. 
I have maintained an excellent payment record with XXXX since opening my account. 

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 2025-06-24 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: TX

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report. 

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY 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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I HAVE MAILED AND UPLOADED DOCUMENTS AND HAVE CALLED EXPERIAN, EQUIFAX AND TRANSUNION  SEVERAL TIMES TO NO AVIL. THEY KEEP SAYING THEY HAVE NOT RECEIVED MY DOCUMENTS. I DISPUTED XXXX XXXX XXXX  XXXX ACCOUNT # XXXX IT WAS OPENED ON XX/XX/XXXX. INQUIRY XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. ADDRESS USED FOR FRAUD XXXX XXXX XXXX XXXX, 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 non-monetary relief
Consumer complaint received 2025-06-24 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: PR

Complaint narrative:
I never authorized these companies to pull my credit at all. I never even did any type of business with them before. They illegally pulled my credit without written or verbal consent. To comply to 15 U.S. Code 1681b Permissible purposes of consumer reports. I never gave you any written consent to report anything on my consumer reports, no consent is fraud. 


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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sent the following certified to Wells Fargo Auto. No response. 


XXXX XXXX XXXX XXXX Tue, XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX ; XXXX XX/XX/XXXX Wells Fargo Auto XXXX XXXX XXXX XXXX XXXX, NC XXXX Subject : Demand for Return of Personal Property from Repossessed Vehicle Dear Wells Fargo Auto, I am writing to formally request information regarding personal property that was in my vehicle when it was repossessed in XX/XX/XXXX. The vehicle, a XXXX XXXX XXXX XXXX was taken from my property, and I was never provided any notice, inventory list, or an opportunity to retrieve my personal belongings,, or even the name of the repossession company. 

Texas law requires that I be given access to retrieve my property, and I am requesting the following : A full inventory of all personal property removed from my vehicle. 
The location where my personal belongings were stored. 
Instructions on how I can retrieve my property. 
If my property has been disposed of, an explanation of when and why this occurred. 
Please provide this information within ten ( 10 ) days of this letter. If I do not receive a response, I will consider filing complaints with the Texas Department of Motor Vehicles ( TxDMV ), Consumer Financial Protection Bureau ( CFPB ), and the Texas Attorney Generals Office.

I expect a prompt resolution of this matter and look forward to your written response. You may contact me at XXXX, XXXX, XXXX or at the mailing address listed above. 

Sincerely, XXXX 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 2025-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX : ( XXXX ) XXXX XXXX Date : XX/XX/XXXX To : Jefferson Capital Systems , LLC XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX RE : FORMAL DISPUTE Account # XXXX & Account # XXXX {$11000.00} EACH To Whom It May Concern, This is a formal demand for debt validation and immediate investigation regarding the following accounts you have reported to the credit bureaus : JEFFERSON CAPITAL SYSTEMS Account # XXXX {$11000.00} XXXX Account # XXXX {$11000.00} I do NOT acknowledge these debts and hereby invoke my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 1681s-2 ( b ), and 1681b.

You are legally required to provide the following : A signed copy of the original contract or agreement that allegedly binds me to this debt.

A full chain of assignment showing how Jefferson Capital Systems legally acquired the debt and the right to collect.

A detailed, itemized breakdown of the amount you claim is owed.

Proof that the alleged debt is within Illinois ' statute of limitations for collection.

Legal proof of your permissible purpose under FCRA 1681b to report this account to the credit bureaus.

Unless and until this documentation is provided, you must immediately cease collection activities and remove these accounts from XXXX XXXX XXXX 

If you fail to comply within 15 days of receipt of this letter, I will take the following actions without further notice : File a formal complaint with the CFPB, the Federal Trade Commission, and the Illinois Attorney General Pursue civil litigation for willful noncompliance with FCRA and FDCPA statutes Seek monetary damages, legal fees, and injunctive relief You are now on legal notice. Any further attempt to collect or report unverifiable information will be seen as a willful violation of my federally protected consumer rights. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation