vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: MS

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: AL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-10 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: AL

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I paid the balance in full of {$210.00} check # XXXX dated XX/XX/year> and a week later I called to cancel the account. I was assured by the Customer Service Rep, that the company was closed. I received another bill for {$42.00}, I contacted the company and was told that I owe this bill and the account wasn't closed. I requested a supervisor and they refused. I asked the rep how can a closed account that was paid in full have {$42.00} owed on it. He stated I do not know but you owe this money. I asked if he could forward any documentation, that was available about the XXXX that I owed he said there wasn't any documentation other than the bill because the account was closed. So they told me the account earlier in the conversation that the account wasn't closed and then they said not documents because the account was closed. It all feels like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: NY

Complaint narrative:
Between July 2527, 2025, I processed authorized business charges totaling {$3300.00}. On XX/XX/year>, XXXX requested identity verification, but I missed the email because I was away and only saw it a few weeks later. On XX/XX/year>, XXXX closed my account. 

In XXXX, I contacted XXXX and was told that because the account had been closed and the verification link had expired, nothing could be done and I would need to wait 60 days from the account closure for the funds to be released. Based on that timeline, the funds should have been released on or around XX/XX/year>. 

On XX/XX/year>, I called to find out why the transfer had not been completed. I was told the situation would be escalated. XXXX later emailed me stating that I would need to wait an additional XXXX  days, without explaining why. 

When I called again, I was told this delay was because of a chargeback, but when I asked for details about what chargeback they were referring to, no one could provide an answer, and the claim is not true. They said they would escalate the issue again and follow up in XXXX business days, but I have not heard back. 

XXXX has held my funds since XXXX, refuses to release them, and has provided no clear explanation or timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
This is my third complaint against Bridgecrest concerning inaccurate and unverified reporting of a repossessed vehicle account. 

Bridgecrest has not provided the required Notice of Default, Right to Cure, or Notice of Sale, in violation of UCC 9-611 and 9-614. The company has also failed to produce the Retail Installment Contract, payment records, or any documentation verifying the alleged balance currently being reported to the credit bureaus. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers must ensure that information furnished to consumer reporting agencies is

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CT

Complaint narrative:
So back in XX/XX/year> I have gotten a new phone and number. The first day I received my new phone, I called all the banks I used, including discover to update my number. Each bank did so except for discover. I wasn't able to get in, log in or have access to my bank account in any way. I kept calling and asking them what's the issue, if they have my new number and if everything is okay on their end. They claimed that they still had my old number on file, etc. so, I requested them to move my money to a different bank and to close it! I recently found out they did not. Which then lead to a credit card to be opened on my discover. I haven't used discover since XXXX, so there was weird activity on it. I learned my getting physical mail about it. But since I live with family, I didn't get the mail. I called discover and asked what happened and how did a credit card opened on my account if I have no access to it and I requested it to be closed. They said they had no idea, asked me questions and helped me report the fraud. XXXX weeks later I still haven't heard anything from them so I contacted the credit bureau myself. In a week they were able to remove the credit off my account. But the damage was already done. Months past, I would say XXXX months. I got another mail from discover. I was confused and called them asking about why the credit appeared again. They claimed that I have access, that I was using the card and that I have to pay. I told them that I already reported this issue and that it was resolved. They wouldn't give me information on how it was charged, how it was used etc. I didn't give them the okay to open a new card, and they said I can't use it and that I can not pay. I asked them how in the world did this happen they wouldn't give me a clear answer just said that I put my number in. But I was like I don't have access to my account how is this possible. Anyway, I got a new mail saying that they reopened and replaced my account. 
Which is not legal. Also what I noticed is that in the credit buyers it said the account was opened in XXXX XXXX. When I informed discover that this isn't possible and that I had a new phone in XXXX. I'm not sure if it's possible but that changed the date to XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
I am disputing the following accounts that have been inaccurately reported as charged off. The statuses on these accounts do not match my payment records, and I request a thorough investigation into these discrepancies. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account is incorrectly reported as charged off. Please investigate and update the reporting accordingly. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account status does not reflect accurate payment history and should not be marked as charged off. 

XXXX XXXXXXXX Account Number : XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account status is incorrectly reported as charged off. 

XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Incorrect reporting of charge-off status. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : The account has been erroneously charged off ; no delinquency occurred on this 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 2025-11-10 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: MD

Complaint narrative:
I am disputing the following accounts and inquiries that I believe may not be accurate or fully reported. I request a full investigation and correction of the record as needed.

Charged Off Accounts : XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$26000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Bankruptcy Case Number : XXXX Date Filed : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX Positive Accounts : No positive accounts listed for Experian. 

Late Payments : XXXX XXXX Account Number : XXXX Payment History : Late Payment ( s ) XXXX XXXX  Account Number : XXXX Payment History : Late Payment ( s )

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 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Creditor : XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Reported Status : Charge-Off I am formally disputing the accuracy and completeness of a XXXX XXXX  charge-off account being reported on my credit file. This reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and potentially the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666.

Under 15 U.S.C. 1681i ( a ), I am requesting a reinvestigation of this item. The information reported by XXXX XXXX  is inaccurate and/or unverifiable, for the following reason ( s ) : Inaccurate dates The payment history is incorrect.

The charge-off was the result of a billing error not properly investigated under 15 U.S.C. 1666.

I have not received documentation verifying this alleged charge-off.

Additionally, under 15 U.S.C. 1681e ( b ), your agency is obligated to ensure that my credit file reflects maximum possible accuracy. Continuing to report unverifiable or incorrect data would constitute noncompliance with federal law.

Therefore, I am demanding deletion of the account from my credit report if XXXX can not verify its accuracy within 30 days, as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am writing to inform you that your actions are in violation of the Fair Debt Collection Practices Act, specifically 15 USC 1692cc. Your continued attempts to collect a debt from me are causing severe distress and harassment.

I demand that you immediately cease and desist all communication with me regarding this debt. Pursuant to 15 USC 1692cc, you are hereby prohibited from contacting me by phone, mail, or any other means in relation to this debt.

If you fail to comply with this demand, I will have no choice but to take legal action against you. Please be advised that further violations of the Fair Debt Collection Practices Act may result in monetary penalties and other legal consequences.

I expect your prompt compliance with this cease and desist letter. Failure to do so will leave me with no choice but to seek legal recourse. Please confirm in writing that you have received this letter and will cease all communication immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
We hired a contractor, XXXX XXXX XXXX XXXX XXXX, XXXX through it's owner XXXX XXXX in XXXX from a XXXX XXXX for XXXX XXXX for a home repair of an outside deck that required a make safe building permit. We signed a contract XXXX XXXX, 2025 and were asked to provide {$5000.00} in advance for an {$8000.00} contract. We made a series of XXXX transfers to XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX stalled us for about two weeks with various excuses and then stopped responding all together. We have made an initial complaint with our bank TD Bank and the recipients bank, XXXX XXXX XXXXXXXX. TD Bank denied our claim twice even after we showed that this was a case of fraudulent inducement. Our research also shows that this individual, XXXX XXXX of XXXX XXXX XXXX XXXXXXXX XXXX XXXX has a conviction in Pennsylvania for this same crime. Although TD Bank has denied our claim they have denied reuests to speak to the actual investigator. We have also sent documents to TD regarding XXXX XXXXXXXX XXXX conviction but also that XXXX XXXX XXXX XXXX XXXX XXXX continues to use XXXX to collect advance payments and disappears after receiving the payments. XXXX, TD and XXXX XXXX XXXXXXXX are enabling this continuing fraud by allowing their services to be used to perpetrate these crimes

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-10 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:
I am disputing the information below as I have reason to believe the reporting and inquiries may not meet the accuracy and verification standards required under the FCRA. I respectfully request Experian to investigate and provide verification or remove the disputed items. 


INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-11-10 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of a Charge-Off account currently reporting on my credit file. After a thorough review of my credit report, I have found this account to be inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

Pursuant to FCRA 602 ( A ) and 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute any information that is being reported inaccurately or can not be verified. The creditor in question has failed to provide documented proof validating the alleged debt, including a signed contract or any evidence of ownership or authorization.

Under FCRA 609 ( a ) ( 1 ), I have the right to full disclosure of all information the credit bureau has on file regarding this account, and under FCRA 623 ( a ) ( 1 ) ( A ), furnishers of information are prohibited from reporting inaccurate or unverifiable data to consumer reporting agencies. Continuing to report unverifiable or erroneous information constitutes willful noncompliance and a direct violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TX

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 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 explanation
Consumer complaint received 2025-11-10 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: TX

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am reporting inaccurate/inconsistent information that Bank of America ( secured card ) is furnishing to the credit bureaus. The account is reported as closed and Collection/Chargeoff , yet it simultaneously shows a Past Due Amount ( {$500.00} ) as if it were still active, which is contradictory for a closed charge-off. In addition, there are differing dates/fields across bureaus that impair an accurate reading of my history.

Key items from the 3-bureau report : Overall status : Closed + Collection/Chargeoff on XXXX. 

Past Due Amount reported as {$500.00} despite Closed/Chargeoff.

Balance Owed reported as {$500.00} across all three.

Inconsistent dates across bureaus : Date of Last Activity : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

Date Reported : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

Date Opened : XXXX XXXX XXXX XXXX XXXX. 

Last Payment : XXXX XXXX XXXX XXXX XXXX. 

Conflicting Creditor Remarks ( e.g., Charged off as bad debt, Canceled by credit grantor, Account closed due to inactivity ) and field differences ( Account Type, Credit Limit, High Balance ).

These inconsistencies and the presence of past due on a closed charge-off mislead and harm my score. I request a meaningful reinvestigation and comprehensive corrections.

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