vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 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: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such.

Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX I made a purchase for {$19.00} through XXXX XXXX XXXX. They sent me the wrong item and when I called them about it, they offered a 50 % refund OR I could pay {$20.00} shipping and theyd give me a full refund. That didnt make sense, so I opted for the partial refund. This was done using my Target XXXX Credit Card. The partial refund posted on XX/XX/XXXX and that was supposed to be the end of it. 

I happened to catch a pending post from XXXX XXXX on my credit card statement and immediately called the Target XXXX XXXX department. I was told I needed to let the post complete and call back in a few days. I did just that. I was told theyd cancel my card and open a dispute for each of the transactions. I received letters from Target fraud requesting I provide proof and write my own letters explaining what happened. I wrote a letter and included emails, photos and screenshots from others having the same problem. I called Target after sending the letter and they stated they didnt receive my letter. I wrote a XXXX letter and compiled everything again and mailed it. I called back and was told the XXXX letter was received and that it was received before they told me it was not received. Ive spoken with multiple Target fraud employees and Ive been given different stories and told my disputes were open and then I receive a letter stating I action on my part so theyd closed a dispute. I called back and spoke with XXXX XXXX time and XXXX another and told my disputes were all open and being reviewed. I was told XXXX was the worker on my case, but I have never heard from XXXX. I was told XXXX tried to reach me on XX/XX/XXXX but I didnt answer. I told XXXX I called XXXX fraud myself on XX/XX/XXXX and she said they had no record of my calls. My cell phone call logs show XXXX outgoing calls to the Target fraud dept on XX/XX/XXXX. XXXX call for XXXX XXXX and XXXX call for XXXX XXXX. I dont understand how they dont have a record of that. I explained that the XXXX website has multiple complaints about XXXX stating they are charging peoples credit cards and making it impossible to cancel the unauthorized charges. I was told by XXXX XXXX XXXX update your notes and youll receive a letter of decision. No one is actually helping me. Ive been told Im not providing information yet Ive mailed XXXX letters and called multiple times to find out what is happening. I dont know what else to do but Id like my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: WI

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/XXXX, I discovered multiple unauthorized credit inquiries on my consumer reports from various financial institutions, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  XXXX ( with one inquiry on XX/XX/XXXX and another on XX/XX/XXXX ). 

I did not apply for credit with any of these entities, nor did I authorize these inquiries, making them fraudulent and without permissible purpose under the Fair Credit Reporting Act. To protect myself, I filed an official FTC Identity Theft Report ( # XXXX ) on XX/XX/XXXX, formally documenting my victim status and providing evidence that these inquiries were the result of identity theft. That same day, I also submitted requests to the major credit bureaus demanding the removal of these inquiries, as required under the FCRA and the FTC Identity Theft Rules. Despite my efforts, the fraudulent inquiries remain on my credit reports, continuing to harm my credit profile and financial stability. 



Legal Violations and Consumer Rights Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ) gives me the right to block fraudulent information from my credit file after submitting an identity theft report. FCRA 611 ( 15 U.S.C. 1681i ) requires credit bureaus to conduct a reasonable reinvestigation and delete inaccurate or fraudulent information. FCRA 604 ( 15 U.S.C. 1681b ) prohibits credit inquiries without permissible purpose. These inquiries had no permissible purpose since I did not seek credit. FTC Identity Theft Rules ( 16 C.F.R. 603.3 ) reinforce that bureaus and furnishers must honor an FTC Identity Theft Report and immediately remove fraudulent data.

These fraudulent inquiries have significantly lowered my credit score, making it more difficult for me to secure legitimate credit and creating unnecessary financial barriers. Beyond the financial harm, this situation has caused me emotional distress and forced me to spend substantial time and effort filing reports, contacting credit bureaus, and closely monitoring my accounts. I continue to live with the ongoing concern that my personal information is still at risk, which has left me feeling vulnerable and uncertain about my financial security.

Supporting Documentation : FTC Identity Theft Report ( # XXXX, dated XX/XX/XXXX ) Copies of dispute letters to credit bureaus Credit report excerpts showing unauthorized inquiries

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 2025-08-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Company Being Complained About : Portfolio Recovery Associates , LLC XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX Type of Complaint : Credit reporting, credit repair services, or other personal consumer reports Debt collection ________________________________________ Complaint Narrative ( What Happened ) I am filing this complaint against Portfolio Recovery Associates ( PRA ) regarding two collection accounts being reported on my credit reports with XXXX  and XXXX. 
Portfolio Recovery Account # XXXX ( {$2500.00} ) Portfolio Recovery Account # XXXX ( {$2500.00} ) Both accounts are reported as originating with XXXX XXXX XXXXOn XXXX, XXXX, XXXX and XX/XX/year>, I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 16921692p ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ), requesting full validation of these alleged debts. I sent my request by certified mail, return receipt requested.

To date, Portfolio Recovery has : 1. Failed to provide validation ( no original signed agreement, no full accounting, no chain of assignment ).

2. Continued reporting unverifiable information to credit bureaus, which constitutes inaccurate reporting under FCRA 623 ( 15 U.S.C. 1681s-2 ).

3. Failed to mark the accounts as disputed on my credit reports as required by FDCPA 807 ( 8 ) ( 15 U.S.C. 1692e ( 8 ) ).

Their actions constitute willful noncompliance with federal law and are causing ongoing harm to my creditworthiness and financial opportunities. I seek to have these accounts immediately deleted and removed from both my credit files, XXXX  and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own.

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-08-29 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: 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/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$8600.00} XXXXXXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} 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, 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Global Lending Services LLC
State: MS

Complaint narrative:
Clarification and verification of the alleged debt. Please respond to this letter under regulatory framework and statutory duty to avoid complications and/or misrepresentation. Sent several copy 's of same letter. Signed for. Never respond to letters. I told XXXX happy to pay loan in full if they would answer my important questions. Ignored letters and kept putting negative marks on my credit. Presumably to get insurance payout ( 90 day default ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I attempted to pay my credit card off with a new bank account number I was entering but apparently the last number of the account number was not entered and there system allowed it to be saved incorrectly and then they charged me a {$30.00} fee saying that the bank account information I entered was wrong and the bank charged them a fee. I asked them to waive it and they absolutely refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: MoneySpot USA LLC DBA Sunshine Loans
State: TX

Complaint narrative:
They have been calling instead of trying to help me form a payment plan with threats that someone is coming to my home as law enforcement when I called the number back to talk to them they called me XXXX. ( XXXX ) XXXX. They have been calling private as well with threats of investigation. Very rude I just lost hours due to my client XXXX unexpectedly and just need more time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
ACCORDING TO MY MOST RECENT CREDIT REPORT, NUMEROUS ACCOUNTS ARE REPORTING ON MY CREDIT REPORT THAT ARE INACCURATE AN INCORRECT. THESE ACCOUNTS ARE REPORTED ACROSS ALL THREE CREDIT BUREAUS : EQUIFAX, TRANSUNION, AND EXPERIAN. ACCORDING TO THE FCRA, ALL INFORMATION REPORTING TO THE CREDIT BUREAU MUST BE ACCURATE AND TRUE. IN THIS CASE, IT IS NOT. I HAVE UNDERLINED THE INACCURACIES ACROSS ALL THREE OF MY CREDIT REPORTS. THESE ACCOUNTS WERE FRAUDULENTLY OPENED BY SOMEONE ELSE WHO WAS ABLE TO ACCESS ALL MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE. I WANT THESE INACCURACIES DELETED.

ACC NAME ACC # PAGE # 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 explanation
Consumer complaint received 2025-08-29 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a timely resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
XXXX  froze my account for reasons unknown. They said they were closing my account. But they have most of my last paycheck they refuse to release to me. And I needed my old account number to give to employer so I can have a new bank take over my direct deposit. The employer needs the old info. XXXX  refuses to give my money to me and refuses to help me with my account. They are now ignoring my attempts to resolve this. I no longer want an account with XXXX  but I cant change my employer direct deposit without my old account number which Im told is not their problem. Again I dont want a reactiveated account with XXXX  just my info and money.i have bills and and medicine that cant be paid because of this.Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: NY

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-29 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: FL

Complaint narrative:
I have no connection to these accounts, which were created without my approval. As per USC 1681g, I ask that they be removed within the required 15 days. Supporting evidence is enclosed.

Company response to consumer: Closed with explanation