vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have repeatedly requested backup for purchase of dental work that was not completed. I was initially offered a small refund. Comenity Bank refused to verify amount sent and I do not believe they performed the investigation. The reason I believe this is because the dentist has looked at my account and verified that I should have been credited an additional $ XXXX to the previous refund of {$2500.00}. If they had actually done the investigation this would have been discovered earlier. Before I agree to sign this document I have tried on numerous occasions to get answers on how these credits are applied as they were refunds for work not completed and should not be subject to interest charges. They not only are charging interest on money that was never owed they moved my due date multiple times without my knowledge and charged me late fees while under " investigation '' which they did not perform but simply closed without notice or providing evidence once " completed '' They have also damaged my credit rating by adding delinquency on my credit report. I can show proof of consistent payments except for a short period it was under investigation and payment was not required during this time. To be clear my complaint has multiple parts. 
XXXX failure to provide evidence of debt owed other than initial ledger that has been proven to be false ( inflated charges, work not completed, number of teeth that I simply do not have in my mouth! ) The dentist had admitted that I was owed an additional refund. 
XXXX. False, incomplete or inaccurate investigation. Evidence shown of what should have been charged shown multiple times but attaching again. Consider that the {$2500.00} and $ XXXX refund would reflect the same information provided in screenshot of what initial charges should have been. Coincidence? I don't think so. 
XXXX. Charging interest on money that should have been taken from principal XXXX. Charging late fees while under investigation XXXX. Damaging my credit rating with false information. Note I only have XXXX 30 day late on my credit history going back XXXX and have XXXX open credit cards all in good standing. Further evidence they damaged my score by XXXX points that I am aware of. 
Simply replying a canned response is not equivalent to responding to a CFPB complaint. I expect a response that addresses concerns. I have been advised by the CFPB to report to a couple of other agencies that govern money matters. I am offering XXXX last opportunity for comenity to correct before I do this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Today is XX/XX/year>, and went to Chase XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to apply for credit card and checking account so I can start a business account. The banker told was me that I am not allowed to use Chase bank and any of its services because I have been restricted for " life '' but did not provide any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NY

Complaint narrative:
I am writing to formally dispute a credit inquiry that appears on my credit report. I did not authorize this inquiry, and it was made without a permissible purpose under the Fair Credit Reporting Act ( FCRA ). 

Let me be very clear : I did not apply for credit, services, or any transaction that would warrant this inquiry. Whoever pulled my credit had no legal grounds to do so, and this unauthorized inquiry is a direct violation of my rights under the FCRA, which strictly limits who can access a consumers credit report and for what reasons. 

This inquiry is not only unwarrantedits damaging. Hard inquiries affect my credit score and overall financial profile, and in this case, I am being penalized for something I never agreed to or initiated. Thats unacceptable.

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 2025-09-30 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: CA

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

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 2025-09-30 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: NJ

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NY

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : ACCOUNTS XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: IL

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redressfor these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: SC

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX 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 : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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 XXXX 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 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 2025-09-30 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:
All information needed is listed below along with an FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against UPSTART regarding their refusal to accept my vehicle as a voluntary surrender, while continuing to charge me monthly and report late payments to the credit bureaus. 
Despite my repeated attempts to return the vehicle voluntarily due to financial hardship, the company has declined to accept the surrender. Instead, they insist on keeping the account active, charging me monthly payments, and reporting the account as delinquent each month. This has negatively impacted my credit and added undue stress to my financial situation. 
I believe this practice is unfair and possibly deceptive, as I am being penalized for a vehicle I am actively trying to return. I have made good faith efforts to resolve this matter directly with the company, but they have been uncooperative. 
I respectfully request that the CFPB investigate this issue and assist in resolving the matter. I am willing to provide documentation of my communications with the company and any other relevant information upon request. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Self Financial Inc.
State: GA

Complaint narrative:
am writing to formally dispute inaccurate information reported for my SELFINC/LEAD secured credit card account. According to your records, this account was closed on XX/XX/year>, with final payment posted XX/XX/year>. However, my credit report shows missed/late payments for XXXX, XXXX, XXXX, and XX/XX/year>, after the account was closed. 

As no further payments should be due after the closure date, I am requesting an immediate investigation and correction of these inaccurate late payment entries. Please update your records and notify all credit bureaus to reflect that no late payments occurred post-closure. 

Enclosed are copies of my statements and the payment history for your reference. 

Thank you for your prompt attention to this matter. '' Account closed on XX/XX/XXXX, but says made last payment ( XX/XX/XXXX ) - investigate/update Account closed on XX/XX/XXXX, but i have missed payments for XXXX, XXXX, XXXX, & XXXX .. ( but it says last payment was XX/XX/XXXX? ) - investigate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to dispute and correct inaccuracies in my personal information as reported on my credit file. These errors are causing unnecessary complications with my credit applications and creating ongoing frustration. My credit report must reflect only accurate and verifiable personal details.

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 2025-09-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: CA

Complaint narrative:
I moved abroad and suspended my XXXX XXXX phone line with the assurance that I would only be charged suspension fees, not monthly service charges. Despite this, XXXX continued billing me for full service. On XX/XX/XXXX, I called XXXX from my XXXX number, canceled my service, and was promised refunds for XX/XX/XXXX through XX/XX/XXXX. I was also told there would be no further charges, yet XXXX billed me again in XX/XX/XXXX. My device was fully paid off, as were cancellation and suspension fees. XXXX provided refund reference numbers ( XXXX, XXXX, XXXX ), but none of these refunds were issued. After I placed a stop payment with my bank to prevent further unauthorized charges, XXXX submitted my account to collections without sending me any communication. I received no service during the months billed, yet XXXX continues to withhold my refunds and has caused harm by sending my account to collections. I am requesting immediate issuance of the promised refunds, removal of all collections activity, correction of any negative credit reporting, and written confirmation that my account is fully closed with no outstanding balance. 
The debt collectors never informed me of the account and i have no way to even communicate with them. i received no services for the amounts charged, and was supposed to receive a refund. XXXX is attempting to collect a debt improperly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Crazy is Citi Thank You Master Card two false accounts information and one of which does NOT exist please see attached PROOF of incorrect information AGAIN Today, while filing false information regarding one account now showing on my credit report as being 2 different account with 2 different ending numbers but same false info. Please see attached pay ATTENTION to the account numbers with same false information wrongly falsely reported to XXXX  and no one at XXXX  has either corrected this showing not only perjury with the CFPB but also to this credit bureau. I only have one account with Citi Thank You Master Card ending in xxxx with false info, while ALSO Duplicate account is falsely being reported to XXXX  is being ending inn XXXX. HELLO CFPB PLEASE READ THE ATTACHED PROOFS OF PERJURY AND FALSE CREDIT REPORTING BY CITI THANK YOU MASTER CARD. This is the FOURTH FALSE REPORTING TO XXXX! 
When I again called the XXXX number for Citi legal dept I was given a wrong number instead of the Resolve Citi Thank You Master Card Legal dept. I was given the XXXX XXXX  XXXX number on or about XXXX at XXXX. In black and white here attached PLEASE READ All ATTACHED!! CFPB has Also been given false info included on these statements for balance showing same for both account ending in different numbers while my credit score with my credit monitoring service has been crushed giving me enormous Damages. Could possibly be an account being Double billed, is this possible??

Also the attached shows that Citi gave CFPB two different fake balances on XX/XX/year> on the Two Citi letters attached one shows balance of over {$4500.00} the other {$4400.00} BOTH on XXXX XXXX XXXX. Pure perjury and false credit reporting!!

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00} 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, 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 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