vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: IN

Complaint narrative:
In relation to claim # XXXX. 
I've filed a dispute for the fraudulent {$3300.00} purchase my card was used for, had that card cancelled and a new one issued, and blocked XXXX from charging my account entirely. 
I've been in contact with XXXX who is in agreement that the charge was made fraudulently and that I should receive a refund or provisional credit. They've told me they informed Cashapp of their resolution, but Cashapp still hasn't refunded the charge or even issued a temporary credit despite the merchant telling me they should. My bank is supposed to protect my funds, so the charge should've never been allowed. I never spend more than {$500.00} at a time from Cashapp, so allowing somebody to wipe out most of my saved money when it's over XXXX my usual highest spend is absurd. But especially to still not have refunded it when the merchant said I didn't make the charge and it would be refunded, and they've done nothing. It's like Cashapp is the wild wild XXXX and there's no rules or authority for their " protected users ''. Please let me know if there's another agency I can contact about my {$3300.00} refund for this fraudulent charge, or will I need to sue Cashapp or Airbnb or what I need to do to get my money back that was stolen.

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

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Notice of Dispute under the Fair Credit Reporting Act Account Number : XXXX Dear XXXX  Dispute Department : I am writing to dispute the accuracy of information appearing on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). The following entry is incorrect, incomplete, or misleading : Creditor : XXXX XXXX XXXX bank of america Account Number : XXXX Item in Dispute : Delinquency and late-payment statements The information as reported is inaccurate and is adversely affecting my creditworthiness. I request a thorough reinvestigation of this entry. If you can not verify the accuracy of this delinquency and the associated late-payment statements, I hereby request that you promptly delete them from my credit report. 

Enclosed, please find copies of documents supporting my position : 1. A copy of my credit report with the disputed item circled.

Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), you are required to complete your reinvestigation within 30 days of receipt of this dispute and to notify me of the results in writing. If you find the information can not be verified, you must delete the inaccurate entry and furnish me with a free copy of my updated credit report.

Please send a written confirmation to my address above confirming the outcome of your investigation and any corrections made.

Thank you for your prompt attention to this matter. I look forward to receiving your response and an updated credit report showing the removal of this inaccuracy. 

Sincerely, -- - 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 monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: NY

Complaint narrative:
On XX/XX/2024, a hard inquiry was made on my credit report by multiple dealers related to an auto loan. I did not apply for a loan, authorize a dealership or lender to run my credit, or initiate any related transaction on or near that date. 

I discovered this inquiry while reviewing my credit report, and it is negatively impacting my credit score. I contacted the credit bureau and disputed the inquiry under the Fair Credit Reporting Act ( FCRA ), which requires that hard inquiries only be listed if I gave permission or applied for credit. I requested proof of authorization or documentation of a credit application. 

To date, I have not received confirmation that this inquiry was authorized, and the record has not been removed. I am requesting an immediate investigation and removal of the unauthorized inquiry. I have attached supporting documentation, including a copy of my credit report with the inquiry highlighted.

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

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, I visited the Macys XXXX XXXX store in XXXX XXXX XXXXXXXX. A store associate asked if I wanted to apply for a Macys credit card. I clearly declined the offer twice, and only agreed to join the Macys XXXX XXXX loyalty program. However, without my knowledge or consent, the associate submitted a credit card application using my personal information, including my SSN. 

Although the application was ultimately rejected, it caused an unauthorized hard inquiry to appear on my credit report, dated XX/XX/XXXX, under Macys/Citibank ( reference # XXXX ). 
I filed a CFPB complaint in XX/XX/XXXX, and Macys responded in a letter dated XX/XX/XXXX, stating they had requested XXXX XXXX XXXX XXXX to remove the inquiry as of XX/XX/XXXX, and that the bureaus would need up to 30 days to update their records. 
Now over two months have passed, and the hard inquiry still remains on my Experian credit report. 
This is my second CFPB complaint, as the previous one ( Case # XXXX ) was closed even though the issue remains unresolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

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

1681c-2 ) that you, the Experian 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  XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} 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 : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX 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 XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} INQUIRIES : XXXX  XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XX/XX/XXXX Portfolio Recovery Associates XXXX XXXX XXXX XXXX, VA XXXX Subject : Request for Debt Validation Dear Portfolio Recovery Associates, I am writing in response to a notice I received on XX/XX/XXXX, regarding an alleged debt in the amount of {$2100.00} purportedly owed to XXXX. This letter is a formal request for debt validation as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The name and address of the original creditor.

2. The exact amount of the alleged debt, including a breakdown of any interest, fees, or other charges.

3. Proof that you are legally authorized to collect this debt.

4. A copy of any judgment, if applicable.

5. Documentation showing that I agreed to assume this debt. 

Until this information is provided, please cease all collection activity and do not report this debt to any credit reporting agency. If it has already been reported, please inform them that the debt is currently in dispute. 

I request that all future communication be in writing only. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I obtained a recent copy of my credit report and noticed the following inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not authorized by me, nor do I have any existing business relationship or credit application with these entities at the times indicated. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that are authorized by the consumer or made for permissible purposes may remain on a credit file.

Please conduct an investigation into these inquiries and remove any that are found to be unauthorized. I request that the results of the investigation be sent to me in writing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that appear on my credit report. I obtained a recent copy of my credit report and noticed the following inquiries that I do not recognize and did not authorize : XXXX XXXX XXXX XXXX XXXX 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 These inquiries were not authorized by me, nor do I have any existing business relationship or credit application with these entities at the times indicated. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that are authorized by the consumer or made for permissible purposes may remain on a credit file.

Please conduct an investigation into these inquiries and remove any that are found to be unauthorized. I request that the results of the investigation be sent to me in writing.

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

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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: MD

Complaint narrative:
The credit bureau continues to leave these items on my report and send spoofing letters instead of investigating and removing the negative items. 

I am disputing the following items on my credit report which they have illegally refused to remove : 1. Hard Inquiries Under 15 U.S. Code 1681n and 1681b, inquiries that lack permissible purpose or consumer consent must be removed.

2. Late Payments According to 15 U.S. Code 1666 ( b ) and 1637 ( a ), I dispute the accuracy of the reported late payments. Please remove.

3. Collections Under 15 U.S. Code 1692g and 1692c, any collections lacking proper validation must be deleted.

4. Charge-Offs In accordance with 15 U.S. Code 1681e and 1681i, unverified or inaccurate charge-offs must 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 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing to dispute the following accounts on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I believe these accounts are inaccurate, unverifiable, outdated, or reported in violation of federal consumer protection laws. 
Please conduct a reasonable investigation into the following accounts : XXXX XXXX  - Acct # XXXX Status : Charged Off - High Balance : {$890.00} Reason : XXXX  account with missing payment verification.In accordance with 15 U.S.C. 1681i, you are required to delete or correct any information that is not verified within 30 days. If you can not verify these items with 100 % accuracy and original documentation, I request immediate removal from all consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: MOHELA
State: KY

Complaint narrative:
I am filing this complaint due to MOHELAs unwillingness to reasonably settle my private student loan, originally issued by XXXX XXXX. Since the loans inception, I was never offered income-driven repayment options nor adequately informed about how interest would capitalize during forbearancepractices widely documented as deceptive and predatory by both federal and state regulators. 

My loan balance has ballooned to {$45000.00} due to these practices. In early XXXX, I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX, a rare and serious condition, resulting in over {$15.00} XXXX in medical expenses. Given my ongoing financial hardship and health situation, I offered a lump-sum settlement of {$35000.00} to MOHELA, requesting in good faith that the remainder be discharged. 

Despite the documented misconduct of XXXX XXXX in cases like CFPB v. XXXX ( XXXX ) which includes failure to offer affordable repayment plans and improper interest capitalizationMOHELA has shown no willingness to resolve the loan fairly. 

I am seeking the CFPBs help in reviewing this matter and ensuring borrowers like myself are not further penalized by these well-established unfair lending and servicing practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief