vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Ill check on my credit report and seeing that there was inaccurate information on my credit report third-party credit reporting agencies have my information that I have not given permission to information was exposed to Equifax data breach

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 2025-05-22 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: NC

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Several companies have accessed my credit report without my authorization, which has negatively impacted both my credit and credit score. I previously contacted the credit reporting agency, and a representative assured me that these unauthorized inquiries would be removed. However, they continue to appear on my report. These potentially fraudulent and unauthorized inquiries are deeply concerning and have caused significant anxiety, as they may indicate possible identity theft. This ongoing issue is placing unnecessary stress on me and further damaging my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Servicing Solutions, LLC
State: OH

Complaint narrative:
Apparently XXXX closed their business credit card line and hired servicing solution to retrieve all payment due. After I verified that this was the case, I paid the XXXX balance in full. Note I never did business with Servicing Solutions. After I paid what XXXX stated the balance was, Servicing Solutions went into my personal bank account on XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  for payment I do not owe. I had to dispute this issue successfully with my bank and recieved an email from Servicing Solutions saying there sorry for the mistake and they would send an email stating that the balance was paid in full. Now I get and alert on my XXXX XXXX credit card that Servicing Solutions claims that I and 30 days late in the amount of {$75.00} which cause my credit score to drop XXXX points. Again I DO NOT OWE THEM ANYTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am rejecting XXXX XXXX response. The company continues to report a {$50.00} unpaid loan as a full charge-off with collection status, which is disproportionately damaging to my credit. While they assert that I electronically signed and authorized this account, they have not provided proof of delivery of notices, validation of debt under FDCPA, or full transparency on reporting dates. 

The accounts damage is excessive for the loan amount and appears designed to penalize more than protect creditors or consumers. This could be considered abusive data furnishing under FCRA 623 ( a ) ( 1 ). 

Furthermore, their requirement that I submit ID theft documents, police reports, and ID before removing false or disputed information is unnecessary under the FCRAs Section 611, which allows consumers to dispute any item that is inaccurate, incomplete, or unverifiable. 

Intent to Sue : I am now preparing legal action under the following statutes : FCRA 623 ( a ) ( 1 ) Furnishing false or misleading information FCRA 611 Failure to properly investigate a consumers dispute FCRA 616 & 617 Willful and negligent noncompliance FDCPA 809 Failure to validate debt ( via InDebted collections ) If this tradeline is not permanently deleted from all credit reporting agencies within 15 business days, I will pursue formal legal action and seek damages for credit harm, distress, and loss of lending opportunities. I also reserve the right to escalate to the Louisiana Attorney General and a consumer protection attorney.

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 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-22 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: NM

Complaint narrative:
I want to make it clear that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are significantly affecting my financial stability and personal well-being, adding unnecessary stress during an already difficult time.

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 2025-05-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MN

Complaint narrative:
I sent money with Zelle and the name was correct just an old phone number.XXXX XX/XX/XXXX, It was for {$1300.00}, alot of money for us to be out. I just want the money to go back to my son in law or back to my account. I'm so stressed out about this. I sent Zelke all the information I had. Waiting for some kind of response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I want to make it clear that this complaint is not submitted in error. My credit report contains inaccuracies that do not meet the required standard of maximum possible accuracy. These errors are significantly affecting my financial stability and personal well-being, adding unnecessary stress during an already difficult time.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Barclays Bank put a lock on my account for no reason and said they cant give me a reason cause its confidential they said I need to either fax or mail in documents to unlock my account, I faxed in the requested documents and called 3 days later to confirm they received it they said they did and said I need to wait XXXX days to unlock it, I called back XXXX weeks later cause they didnt unlock my account and they said they never received my documents and theres nothing they can do I have to resend and wait XXXX  days, meanwhile there not letting me make the payment on my account I can only mail in a check which I dont have.so theyll be charging me late fees and interest even though there not letting me pay my bill. And wont give a reason why my account was locked. I spent hours on the phone with them and no one can be of any help.

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 2025-05-22 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: FL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-22 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: NM

Complaint narrative:
Several companies have accessed my credit report without my consent, harming both my credit and score. Despite prior assurances from the credit bureau that these unauthorized inquiries would be removed, they still appear. These potentially fraudulent entries raise serious concerns about identity theft and continue to cause unnecessary stress and financial harm. I urge immediate action to investigate and resolve this issue.

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 2025-05-22 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: LEXISNEXIS
State: GA

Complaint narrative:
I am writing to inquire about your data sharing practices with credit reporting agencies, specifically the three major bureaus : XXXX XXXX, and XXXX. 

I understand that LexisNexis collects public record information on individuals. I am interested in knowing if this data is routinely shared with these credit bureaus. 

If you do share public record information with credit bureaus, could you please elaborate on the types of data that are typically included? 

Thank you for your time and clarification on this matter. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A hold was put on my card without my knowledge and without an alert. When I tried to make a purchase not only was I embarrassed I was never understanding why a brand new card wasn't there working. I had to do the research myself and I owed {$85.00} which I immediately paid {$100.00} when I saw that and set up autopay with customer service. I told them I have an important purchase to make because Im paying for a trip. I got no help. And I am a gold member at BOA. I have never had any issues never owed anything only this one time with a brand new card that had no autopay set up for {$85.00} dollars they refused to lift the hold so i could pay for my trip so I lost all my benefits. I am a loyal customer great credit. I pay for all that I have and am treated like dirt. I hate that this had to happen this way. After my trip Im canceling the card. It seems like banks these days dont care about people like me.

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 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
I called on XX/XX/XXXX to cancel my account and wrote the letter via email which I was asked to provide on the XXXX XXXX XXXX XXXX. They stated my account would be closed within 4 days. They FAILED to cancel the account which resulted in more expenses and as of today XXXX XXXX, one month later, the account has still NOT been closed which resulted in additional costs. When I call them, they are not helpful and refuse to pass me to a supervisor. They also charged me {$490.00} dollars which in the statement it states if I cancel within 120 days there is no penalty, yet they refuse to refund the {$490.00} upgrade fees. They state it is not refundable, yet there is no place on the statement which discusses this fee stating it is not refundable. Every time I call them, they refuse to answer why the account is still open 4 weeks later and refuse to allow me to talk to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: CA

Complaint narrative:
Creditors have been informed of existing accounts being taken over by unknown criminals who have obtained my personal information through a data breach to open and access my existing accounts. FTC report with appropriate blocking request was mailed with proper supporting documentation and yet credit reporting agencies failed to adhere to blocking of ID theft accounts within XXXX business days from date of request. Notification was mailed to : TransUnion, Equifax and, Experian on XX/XX/year>. This official complaint form is being filed as a follow up to said blocking request to ensure agencies are adherent to consumer laws relating to identity theft victims. I would appreciate it if this federal agency conduct a follow up ; Thank you.

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 2025-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I was the victim of a XXXX XXXX involving the website XXXX, which claimed to be a legitimate online gaming platform. I used XXXX XXXX to purchase approximately {$900.00} USD worth of XXXX, which was deposited into a wallet address associated with XXXX 

After the deposit, the site falsely advertised that I had earned over {$3000.00} in winnings and would be able to withdraw both my original deposit and the winnings. However, when I attempted to process a withdrawal, the site refused to release funds, claiming I first needed to pay fabricated tax fees of over {$2800.00}. These tactics are clearly fraudulent and deceptive, as the service promised was never delivered, and the platform misrepresented its purpose to extort additional money from users. 

I now have only {$0.00} remaining in my account, with all funds inaccessible. I reported this scam to XXXX XXXX and submitted a detailed report with screenshots, wallet address, and full context of the deception. I also filed a dispute with Chase Bank through which the transaction was processed. 

Unfortunately, Chase denied my claim, stating that the transaction was authorized. While it is true that I authorized the initial payment, it was done under fraudulent pretenses. I did not authorize my funds to be sent to a scam operation, and I did not receive any goods, services, or legitimate product in return. 

I am requesting that this case be re-reviewed by Chase and that the CFPB assist in facilitating this process. This incident is a clear example of a fraudulent merchant misusing financial platforms, and I believe Chase failed to protect me as a consumer. The denial of my claim ignored the broader issue of misrepresentation and fraud. 

Total Amount Lost : {$900.00} Date of Transaction : XX/XX/year> Scam Website : XXXX XXXX XXXX XXXX purchased XXXX : XXXX XXXX XXXX processed by : Chase Bank I am requesting a full refund and investigation into the transaction, as well as protection against similar future fraudulent vendors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-22 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing in response to your communication dated [ insert date of first contact ], in which you allege that I owe a debt. This is a formal notice that I dispute the validity of this debt, as provided for by the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692g ( a ).

Under this law, I am requesting that you provide proper validation of the debt, including : The name and address of the original creditor ; The amount of the alleged debt ; A copy of the original contract or agreement bearing my signature, if applicable ; Proof that you are authorized to collect on this debt ; and A detailed accounting of how the amount you claim is owed was calculated. 

Please be advised that until you provide the requested validation, you are legally required to cease all collection activities, including phone calls, letters, or credit reporting related to this debt.

If you are unable to verify the debt, you must stop all attempts to collect it and remove any negative information you may have reported to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : DPT ED/XXXX # XXXXXXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXXXXXX  Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief