vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OK

Complaint narrative:
On XX/XX/year>, at XXXX PM, I visited a Best Buy store located at XXXX XXXX XXXX XXXX, XXXX, OK XXXX. The reason for my visit was that I needed to purchase a laptop using a 1218 month 0 % APR payment plan that was being advertised online as no credit needed. 

When I arrived at the store, I asked an employee for assistance and requested the laptop under that specific payment plan. The employee told me that I needed to apply for the product My Best Buy Store Card Basic. I agreed to apply only on the condition that the application would result in a soft inquiry. 

Before signing the application, I asked multiple times if it would be a soft inquiry. The employee sought help from another staff member to verify the information, and after that, he reassured me that it would indeed be a soft check. This is where my issue with them and their in-store specialized assistance system begins. 

A store employee assured me multiple times that applying for a Best Buy credit card would only result in a soft credit inquiry. Based on that, I agreed to apply. I was later approved for the Best Buy Gold Credit Card Visa ( with a {$59.00} annual fee ), which is not what I was looking for, after that I ask to take only the My Best Buy Store Card Basic, They responded that it was not possible because I had only been approved for that specific card which I had not requested in the first place. I declined the card once I realized the benefits and terms were not properly explained.

Shortly after, I received a hard inquiry on my credit report, something I never consented to under accurate conditions.

When I returned to the store to address the situation, I asked to speak with the manager, and instead, the same employee brought another staff member a friend to falsely present himself as a manager and told me they couldnt do anything, give me a letter, or acknowledge the mistake.

This is not only a case of misinformation, but of cover-up, dishonesty, and lack of accountability by your team. I am requesting an immediate investigation into this store, and a formal letter acknowledging what happened so I can pursue removal of the unauthorized hard inquiry.

I also expect follow-up action to prevent this from happening to other customers.

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 2025-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
After reviewing my consumer credit report collection activity, of debts/accounts were inaccurate, unverifiable, unlawfully purchased, and attempting to collect on accounts that have been charged off, closed, or paid in full. This violates my consumer rights and per FCRA, FDCPA, and other applicable regulations. These agencies have not provided proper verification or documentation of the alleged debts/accounts. As per 15 USC 1681 ( I ), FDCPA 15 USC1692g. I have not been provided any sufficient validation or documentation from the original creditor that proves the debt is valid., No original signed contract or agreement showing I agreed to the debt, no purchased agreement, full chain of custody/assignment, all transfer and ownership documentation sale data file from the original creditor, flow agreement between the original creditor and any third-pary collection agency involved, itemized breakdown of the total amount claimed, including principal, interest, fees, and payments receive, complete payment history for the original account through all hands that have handled the debt, proof of ownership of the debt by the collection agency reporting or attempting to collect, the assignment contract between the original creditor and the debt collector establishing legal rights to collect, and a copy of the original creditor'srecords verifying the accounts ( copies or screenshots are not acceptable. 
Several violations of my consumer rights have occurred, including GAAP Compliance,1099c cancellation of debt, accounting principles, and my information was transferred/sold without my consent, willful negligence has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of a data breach and identity theft. Kindly block and delete the account within 4 business days as required by FCRA 605B, 15 USC 1681c-2 I am filing this complaint because I have an unauthorized account for Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX on my credit reports with Experian and Equifax. Despite disputing this account directly with the credit bureaus and the collection agencies, it has not been removed.

I have provided notarized affidavits of identity theft, FTC identity theft reports, and other supporting documentation. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), these fraudulent items must be blocked and removed within four business days. I am requesting the CFPB to investigate and intervene on my behalf to enforce compliance and protect my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
On XX/XX/year>, I sent a formal debt validation request to the company via certified mail, in accordance with the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ). I never received a response. 

Despite this, the company proceeded to file a civil complaint against me without validating the debt. I received the court summons on XX/XX/year>, delivered by a sheriff to my XXXX  son, which caused additional personal and family issues. The documents were delivered without an envelope, fully visible to others violating my right to privacy. 

I am attaching certified mail receipts and a copy of the court complaint as proof that I made a good faith effort to resolve this matter and that they acted without compliance. 

I believe this violates my consumer rights under : FDCPA 1692g ( b ) failure to validate a disputed debt FDCPA 1692e & 1692f misleading and unfair practices FCRA 1681s-2 ( b ) if the debt is reported while unvalidated Civil rights concerns public exposure of legal documents and harassment I am requesting that CFPB investigates and requires the company to provide proper validation and cease legal action until my rights are fully respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Sofis abrupt and unexplained closure of my account, despite being a loyal customer for several years with no prior issues. Approximately one month ago, I was informed by Sofi that my account had been closed due to an uncited " violation '' of one of their terms of service. I received no advance notice, no reasoning, and no warning.

When I contacted customer support to inquire about the closure ( because the original email told me to call for more information ), I was rudely read back verbatim the email I had just received. I was told that a written explanation would be sent by mail and that I would also receive an email with more information. To date, no explanation has ever been provided and I'm left confused and upset about my account 's abrupt closure.

This lack of transparency and failure to follow through on a promised explanation is unacceptable. It raises concerns about Sofis internal processes, accountability, and compliance with fair business practices.

I would like the following : -A clear, written explanation of why my account was closed, including the specific term of service that was allegedly violated, and -Confirmation that my information has been securely handled and not flagged erroneously Please advise promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-14 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: FL

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-07-13 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: TX

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

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year>

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 2025-07-13 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: CO

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AL

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.
The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed 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 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
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have been trying to contact the debt collectors through email. when i finally got a response, only a few got a few messages back and forth and then got ghosted. It is important to get this resolved because it keeps affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: MA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I enrolled in an XXXX interest-free financing plan with Comenity Bank when I purchased a diamond ring from XXXXXXXX XXXX in XX/XX/year> XXXX Despite making timely monthly payments, I was charged {$4000.00} in interest without any prior notice or alert that the interest-free period was ending. Comenity Bank did not notify mevia email, message, or account alertsthat the promotional period was about to expire. There was no opportunity given to pay off the remaining balance to avoid interest. This lack of communication seems deceptive and predatory. Their online account system also fails to display promotional terms or end dates. 

When I contacted customer service to pay the full remaining balance, I was met with unhelpful and dismissive responses. I feel I was intentionally misled into continuing payments so interest could be applied after the deadline, without warning. Additionally, XXXX XXXX has still not provided the certificate of authenticity for the diamond ring, despite multiple requests. This raises concerns about product legitimacy and transparency. 
I am requesting that Comenity Bank reverse the $ XXXX interest charge and allow me to pay the balance that was due before interest was added. I also want XXXX XXXX to deliver the diamond certificate as promised at the time of purchase. 
I am a public defender with a demanding caseload, and I was unable to monitor account changes due to the lack of alerts or accessible promotional end-date information. I am requesting a full account review, reversal of the disputed charges, and a freeze on all additional interest while this dispute is under review. 
The interest charges have exceeded the price of the ring. There is NO regular notification for the charges or calls to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a victim of an email scam in which a person known to law enforcement based on their criminal investigation opened a fraudulent bank account with BMO Harris Bank on line. The money was sent to a person named XXXX XXXX who was our customer however BMO Harris Bank accepted the money into the fraudulent bank account with a different name. They refuse to cooperate with refunding the money and will it response to my attorney. Their bank records were subject to a search warrant by law enforcement and that is why we know the bank account was fraudulent and the name did not match the name of the payee on the money transfer

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint against Experian for continuing to report fraudulent information related to a XXXX account on my credit report, despite having provided multiple sources of documentation proving that the account is not mine and was the result of identity theft. 

I submitted all required and supporting documentation, including [ list if applicable : a police report, FTC identity theft affidavit, notarized fraud affidavit, proof of address discrepancies, and any relevant correspondence ], which clearly show that I am not the individual responsible for the XXXX account being reported. 

Under FCRA Section 605B, Experian is legally required to block fraudulent information within four business days of receiving proper notice and evidence. Despite this, Experian has failed to remove the XXXX account and continues to allow it to be reported on my credit file, knowingly enabling the publication of false and harmful information. 

This ongoing inaccuracy is not only a violation of the Fair Credit Reporting Act, but it is causing continued harm to my creditworthiness, emotional well-being, and financial stability. Experians negligence in handling this matter properly has resulted in an unjust and avoidable hardship.

Requested Resolution : Immediate and permanent deletion of the fraudulent XXXX account from my Experian credit file. 
Written confirmation that this account has been removed and will not reappear in the future. 
A full reinvestigation of how Experian handled my previous disputes regarding this issue. 
Any appropriate fines, penalties, or corrective measures in accordance with FCRA enforcement for Experians failure to comply with its obligations.

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and hold Experian accountable for its failure to protect my consumer rights and for enabling the continued reporting of false information despite ample proof of 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