vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing the validity of this account for years now. Additionally, the account has been deleted from or not reporting to other Bureaus. When disputed with Experian, I am led on a goose chase whenever I try and speak with a representative. When I write them I am not given the information requested, however, the dispute continues to report resolved. This account should not be on my file at all, it is past the limitiation based on the years of the account.

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 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I made a purchase at XXXX 's jewelry store and was misled by the sales associate that they were having a XXXX promotional plan but instead it was a XXXX deferred interest plan now that I'm at the end of the 12 months they are trying to add on {$600.00} worth of interest to the account when I realized that this is what was happening I called and tried to pay the balance in full to avoid the interest and this bank is not allowing me to do so I think it's completely unfair to me if I'm trying to pay the balance in full after being a loyal customer to this Bank and they have no way of helping me they're telling me I'm out of luck and I just have to pay the {$600.00} completely not fair not to mention the sales associate was holding a tablet and scrolling everything down completely to the bottom for me to sign not giving me a chance to really read anything and so not thinking that I would be lied to but a sales rep at XXXX 's jewelry store XXXX signed the paperwork and now I'm realizing they're trying to say that's the reason I have to pay the {$600.00} good customer service and any company would have allowed me to pay this balance in full if that is what I was trying to do and not just XXXX XXXX and XXXX me out of {$600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I recently applied for auto financing for the first time. During the process, the dealership ran my XXXX credit report and informed me that there was a collection account listed under my name. I was shocked because I have never done business with the company listed and have no knowledge of the account. 

This is the first time Ive ever seen this account appear on my credit report. I did not receive any communication from this company and was never notified about any alleged debt. I believe this is an error or the result of identity theft, and I am requesting that this account be investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} INQUIRIES : XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
In XX/XX/XXXX, I filed a dispute with Bank of America regarding an alleged XXXX performed by XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX. OnXX/XX/XXXX, I paid for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I received an email from XXXX XXXX XXXX indicating that there was XX/XX/XXXX When confronted, the co-owned of the funeral home, XXXX XXXX, I was advised that they don't always get it right and that was an error. As you can see that on the last document, question XXXX, it states that no XXXX was performed XXXX XXXX XXXX. The XXXX XXXX name and XXXX license numbers are also included on this document. I spoke to the XXXX and requested pictures to prove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was told that he did not take pictures and that he did not have any other supporting information. A couple of days later, he produced two documents that he said were used to make notes XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I told him that, that was not my mothers name. XXXX XXXX sated that he spelled my mothers name wrong. After i saw they were not going to produce said evidence, I filled a dispute with Bank of America. I told the representatives at bank of America that I had the necessary documents to support my claim. I was advised that my information was not needed at this time. To my surprise, Bank of America conducted an investigation without my documentation in favor of XXXX XXXX XXXX. I called them and requested another look at my dispute, submitted the paperwork, and was told that they stood behind their original decision. They sent me the document that clearly illustrates that there was no autopsy performed on my mother. I believe that I should not pau for something they said did not happen. Please offer me some resolve in this situation. My updated cell number is 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
A payment of {$4600.00} was taken from our checking account with XXXX XXXX by USAA twice. I was paying off the balance of {$4600.00}, XXXX of our USAA Visa Credit Card. 
XXXX payment of said amount was authorized ( XXXX XXXX ), the second amount ( XXXX XXXX ) was not and was erroneously taken from our XXXX account. 
The {$460000.00} was posted on the XXXX and XXXX of XXXX by XXXX XXXX. 
As soon as I was aware of the problem, I contacted USAA. They could not credit my XXXX Account or even a USAA checking account that I have. I would have to wait XXXX to XXXX business days for my money. This is totally unacceptable. They could take the money in an instant, but could not give me my money back instantly? It seems like they wanted to pad their pockets and to me this is a form of stealing. I did not have an extra {$4600.00} to give away. I had to go into other accounts to cover this and wait on some bills to be paid. I had one Over Draft for {$36.00} that they should pay. When I asked about them paying it, there was no answer. 

I called on the XXXX through the XXXX, about this situation. I got different replies and no one really telling me what was going on, just that I would have to wait XXXX to XXXX  days to get my money. This has caused a nightmare and now my bookkeeping is totally off. Payments to others cant always wait XXXX to XXXX  days for their payments. My credit score has been negatively affected.

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 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX, XXXX. XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Disputed Account ( XXXX ) : XXXX. XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX XXXX  - XXXX XXXX. XXXX XXXX XXXX  - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX Inaccurate Address Removal Demand FCRA 1681e ( b ) You are reporting address ( es ) on my file that are inaccurate, outdated, or connected to accounts I did not authorize. Pursuant to FCRA 1681e ( b ), you are required to maintain reasonable procedures to assure maximum possible accuracy of the information you report. Any unverifiable address must be immediately deleted from my credit file. 
Addresses to Remove : XXXX. Incorrect Name - XXXX XXXX XXXX. Incorrect DOB - XX/XX/XXXX XXXX. Incorrect Address - XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX. Incorrect Address - XXXX XXXX XXXX, XXXX, GA, XXXX XXXX. EMPLOYER - XXXX  XXXX XXXX. EMPLOYER - XXXX XXXX I have provided supporting documentation verifying my current address. Any conflicting address not tied to a verified, authorized account must be deleted.

Unauthorized Inquiry Deletion Demand FCRA 604 You are reporting one or more hard inquiries on my credit file that were made without my knowledge, consent, or permissible purpose. Under FCRA 604 ( a ), a consumer reporting agency may only furnish a report under specific, legally authorized circumstances, including written instruction or credit application. I did not authorize these inquiries and demand their immediate removal. 
Inquiries to Remove : XXXX. XXXX - XX/XX/XXXX XXXX. XXXX  XXXX - XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX You are required to provide proof of permissible purpose, including signed authorization, application, or service request. Failure to do so constitutes a willful violation of the FCRA and will result in further legal action. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-07-17 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX, a vehicle loan for a XXXX XXXX XXXX, VIN # XXXX, was originated through [ Westlake Financial Services ] ( under contract XXXX ), which was arranged by [ XXXX XXXX XXXX XXXX ]. A down payment of {$10000.00} was made at the time of loan origination using a XXXX account ending in XXXX. 
Subsequently, the loan was charged off by [ Westlake financial services ] and reported as 'Paid in Full for Less Than Full Balance '. This reflects a failure to fully sustain or fulfill the original financing terms of the loan. 
Due to these financing irregularities and the subsequent charge-off, potential violations of the Truth in Lending Act ( TILA ) are believed to have occurred. A full refund of the {$10000.00} down payment is requested as a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate reporting of a bankruptcy on my credit report. After thoroughly reviewing the information, I have determined that this bankruptcy entry is incorrect and should not be associated with my file. I have official documentation from the court that clearly confirms this bankruptcy was not to be reported to any credit reporting agencies. Despite this, the account continues to appear on my credit report, which is both misleading and harmful to my credit profile. 

What makes this situation even more alarming is the involvement of an unauthorized third party. This adds a serious layer of concern regarding the integrity and security of my personal information. I have never given permission for anyone to act on my behalf in this matter, nor have I been involved in any actions that would justify this bankruptcy being reported.

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 2025-07-17 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: CA

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. ''

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 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
XX/XX/scrub>XX/XX/XXXX tried purchase on amazon i have a synchrony bank amazon card my credit limit was XXXX it was reduced to XXXX which is what is owed but i also have a XXXX XXXX with them that has a XXXX limit with XXXX has not been used that is untouched they said they found something on my credit report and there is, XXXX XXXX credit card it is in ligitation there was theft with no proof and also i have a customers car in my shop that is up for repo belonging to XXXX XXXX that they are refusing to clear up they owe me more that XXXX so its off to court but it has nothing to do with them i checked all XXXX credit reports all accounts with synchrony bank present and past were all paid on time plus they and i do mean synchrony bank did cause my credit score to drop because they dropped my credit limit NOT FAIR IN ANY SHAPE OR FORM VERY POOR SERVICE!!!!!!!!!!!!!!!!!

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