vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: GA

Complaint narrative:
XXXX XXXXXXXX - ( XXXX ) Inquiries. I haven't ever applied for XXXX XXXX XXXX XXXXXXXX was pre-approved & sent to me in XXXX 
I have authorized no inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
I am formally disputing the accuracy of a charged-off account being reported by Apple Card / GS Bank USA ( Account # : XXXX ), with a balance of {$1100.00} and a charge-off status dated XX/XX/XXXX. 

This tradeline is reporting inconsistently and inaccurately across credit bureaus : XXXX and XXXX report this account as a revolving charge-off, with the full balance still listed as past due, despite the charge-off designation. 

XXXX is missing the account entirely, which raises concerns about compliance and reporting accuracy under FCRA 607 ( b ).

I have previously disputed this account, yet it continues to reflect : No documentation or signed agreement establishing liability Conflicting dates ( e.g., Date of Last Active, Last Payment, Charge-Off Date ) Incorrect Metro 2 coding : A charge-off account should not simultaneously report as revolving with a past-due balance. This violates Metro 2 compliance and creates confusion for lenders and scoring models.

No detailed accounting or breakdown of how the balance of {$1100.00} was accrued, especially following the last payment reported on XX/XX/XXXX. 

This violates the following legal obligations : FCRA 623 ( a ) ( 1 ) ( A ) Prohibits furnishing inaccurate information FCRA 611 Requires credit bureaus to conduct a reasonable reinvestigation FCRA 607 ( b ) Requires CRAs to ensure maximum possible accuracy FDCPA 807 & 809 ( b ) For any collection activity or charge-off reporting without full validation Additionally, case law such as Cushman v. TransUnion Corp. and Dennis v. BEH-1 , LLC reinforces that data furnishers and credit bureaus are required to go beyond parroting the furnishers data and must validate accuracy when a consumer disputes a tradeline.

I believe this account has been misreported, is unverified, and contains errors that materially affect my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I never received or used my XXXX XXXX XXXX debit card. 

I never received the denial letter dated XX/XX/2024. I had to call your office to find out what was going on. A call service representative from your office informed me her dispute was denied. As of today I has not received the denial letter dated XX/XX/2024. 

I was never aware I would receive the XXXX XXXX XXXX from your office on a debit card. 

On XX/XX/2024 I filed Form XXXX ( IRS ) XXXX Statement Regarding Refund with the IRS. ( Exhibit A ) On XX/XX/2024 the IRS replied and informing that your office should have sent her a debit card. ( Exhibit B ) For your office to deny my dispute because I took a long time to report it is unfair. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Waddell Serafino Geary Rechner Jenevein, PC
State: TX

Complaint narrative:
Reference number : XXXX. XXXX XXXX slashed my credit limit without properly explaining why. I asked them for a breakdown of how the account was funded- especially since this directly affects my financial standing- and they refused. They told me they won't share " internal strategy ''. That's a joke. If you're coming after someone for money, you better show the full picture. 
Now they've handed my account over to the law firm XXXX XXXX XXXX XXXX XXXX, XXXX, who is acting as a debt collector. But how can they collect on an alleged debt when the underlying details- like how the account was funded- have never even been disclosed to me? This law firm has now sent notice that they are trying to collect a debt on behalf of XXXX XXXX. I'm in fear that they are going to come to my home, serve me with a lawsuit, damage my reputation, violate my privacy, and cause instability in my marriage. All over an alleged debt that XXXX XXXX refuses to explain. This not just wrong- it's predatory. The Truth In Lending Act is suppose to prevent the uninformed use of credit. How is that possible if critical funding details are being hidden from me?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 XXXXXX/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 INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-04-09 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: IL

Complaint narrative:
This letter serves as a second demand for the immediate deletion of multiple inaccurate, unverifiable, and improperly reported accounts appearing on my credit report. These accounts are in clear violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, Metro 2 Compliance, and Consumer Data Industry Association ( CDIA ) guidelines. If you can not verify these accounts with complete and accurate documentation from the original creditors, they must be permanently deleted.

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 2025-04-09 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian and XXXX 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 : LIST OF ITEMS TO BE REMOVED XXXX XXXX XXXX XXXX BALANCED {$54000.00} XXXX XXXX XXXXXXXX - XX/XX/year> XXXX XXXX XXXXXXXX - XX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 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 # ( private case number ) 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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: AZ

Complaint narrative:
A few days ago, I attempted to make a deposit with my debit card. Its the same debit card Ive always used ( XXXX ) on Robinhood ( RH ) for YEARS and for some reason it declined. I checked my bank and I definitely have PLENTY of funds that to make the deposit with my debit card ending in XXXX. Im not sure why it declined. Its never declined before and again, I definitely had sufficient funds. But anyhow, I unlinked that debit card ( since RH only allows users to link XXXX debit card at a time ) and I added a different debit card that I have in my name. I attempted to make a deposit with this debit card and I was successful. The money was taken from my debit card account and successfully deposited into my RH account. However, only a few hours later - The next thing I know, it says my account is under review and restricted. I am not allowed to withdraw ANY of the funds from RH to my bank account. I have big funds in there that are locked and I need those funds for my bills. Ive reached out several times and only heard back twice and both times they could not offer any info on why my account is being restricted. I am still allowed to buy/sell crypto and/or stocks. But I am NOT able to withdraw my funds to my bank account. They accepted my deposit with the new debit card and now they are holding my funds hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX 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 XXXX XXXX - XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
Requested a charge back for an unused airline ticket in the amount of {$310.00}. Used my XXXX XXXX Bread Financial XXXX to make the initial purchase on XX/XX/XXXX. Submitted extensive documentation with summary through the XXXX site, and after XXXX days this credit card company refuses to perform a charge back. 

The backstory : Requested a dispute for a charge on XX/XX/XXXX. Placed an order through the XXXX XXXX ( XXXX  ) app for a plane ticket. Reference Ticket : XXXX. Attempted to change the flight but was unable to within the time frame permissible through the app. Contacted XXXX  to cancel and/or change the flight on XX/XX/XXXX Provided documentation to suffice refund requirements for cancelation on XX/XX/XXXX and was denied refund. Called customer service. Was told that I could still get credit but had to pay the additional {$99.00} to get credit on my {$310.00} and to request this in writing with customer service including the ticket number. Did this on the XXXX  site, XXXX XXXX at customer relations sent me an email on XX/XX/XXXX not giving me this option, and refuses to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: IL

Complaint narrative:
I am writing to formally dispute the inaccurate information contained in my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ) and the XXXX XXXX XXXX XXXX ( XXXX ) standards. Due to the XXXX data breach, I have reason to believe that my credit file contains inaccurate and unverifiable information that must be corrected or removed immediately to prevent further damage to my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I would like for the following items to be removed from all three of my credit files TransUnion Equifax and Experian. All of the closed accounts and all of the Hard inquiries that I did not authorize at all

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 2025-04-09 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: MN

Complaint narrative:
I am writing to formally request that you cease sending me stall letters and begin a proper investigation into the disputed items I submitted in accordance with the Fair Credit Reporting Act ( FCRA ). 

I previously submitted a written dispute regarding inaccurate or incomplete information on my credit report. According to the FCRA, credit reporting agencies are legally required to investigate disputes within 30 days of receipt. Your continued delay and generic responses do not satisfy your legal obligations under federal law. 

Please consider this letter as a follow-up and demand to begin your investigation immediately. I expect a response and resolution within the time allowed by the FCRA. If you require any additional information to process my dispute, please let me know promptly. 

I have attached a copy of my stall letter, along with copies of all relevant documentation, including my identification and any supporting evidence related to the dispute. 

Thank you for your attention to this matter. I look forward to your timely response. 

Sincerely, 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 2025-04-09 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: PA

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. 

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: MD

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 explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
They didn't put up proper safe guards and left me and my money at risk. Not have customer protection before any transfers were sent.so that definitely put my funds at risk big time wit XXXX and I dont feel like my funds are protected like they should be.. so XXXXm putting in a claim.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief