vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 Address : XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$29000.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} Inquiries XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date XXXX XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I am submitting this formal complaint regarding serious violations of consumer financial protection regulations by Bank of America. These violations have resulted in improper fees, account access restrictions, and failures in effective notification processes. 
Regulatory Violations : Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ) : Account flagged for fraud before card was received without explanation Card shipping delayed XXXX weeks due to unresolved fraud flag Card shut off without advance notice for non-payment Fee disclosures rendered ineffective as they occurred while card access was restricted due to fraud issues Charged late fees despite inability to access account normally Unfair timeline for sign-up bonus - no additional time provided despite bank-caused delays preventing account access and usage Electronic Fund Transfer Act ( EFTA ) Concerns : Verification process completely non-functional via mobile application Forced to use web interface as app verification would never initiate Second verification process currently preventing legal account access and withdrawals Truth in Lending Act ( TILA ) Issues : Interest charges applied during period when card access was restricted Fee structure may have been disclosed but not reasonably accessible due to account restrictions Customer Service Deficiencies : No functional card access for XXXX weeks after account opening No chat support available for account resolution Archaic verification processes causing unreasonable delays Outdated technology infrastructure raising concerns about security practices These documented failures have prevented basic banking functions ( payments and withdrawals ), resulted in fees charged during periods of restricted access, and demonstrate violations of banking regulations regarding reasonable account access and effective notice. The institution 's technological limitations created a situation where I could not make payments or properly access account services despite being charged for these failures. Additionally, the bank 's failure to extend the sign-up bonus qualification period despite their own systems preventing timely account usage represents an unfair practice. 


In addition, the bank after being incredibly hard to contact, after this whole experience, basically said I'd need to follow up with THEM in two weeks. That was the initiation of this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX offered me a deal if I opened a credit card. I did and made a {$35.00} purchase in XXXX. I never got a credit card nor did I get any statements till into 2025 from Comenity Bank.. I told them to cancel the nonexistent card. One call came and they told me it was because the amount they told me over the phone was short less than {$3.00} which meant a late fee. To date I have paid almost {$300.00} for a XXXX purchase and they still tell me I have late charges and they call 4 times a day. XXXX can't help they say must work with the bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Unifin Inc.
State: IL

Complaint narrative:
I received a call today from XXXX from someone name XXXX who had my real name but went on to ask if the last 4 of my social security number was ( XXXX ). When I asked who she was or what company she said she's with Unifin and I need to give my social first in order to confirm who she was or why she was calling. Not once did she say she was a debt collector or give you the legal requirement of stating who she was and this was a attempt to collect a debt. ( XXXX ) I know my rights. She got very angry and said since I was refusing to verify she hung up. I called back to ask to be placed on the do not call list and XXXX answered again and asked for my social. Never heard of this company and don't owe any debts. Called back a third time it goes straight to hold music so safe to say they probably blocked me first.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: 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 have applied for the human trafficking removal of adverse information with Experian at least XXXX  times, beginning XX/XX/year>. The first XXXX  times were through Experians online portal specific to this purpose, and I included my contact information and noted my email address was my preferred contact method for response. I never received any response. I submitted multiple times, and eventually got a letter in the mail ( not my email ) stating Experian could not verify the agency who wrote my determination letter. 
Again, I tried to submit my documents online, but this time the online portal was not working. Instead, I submitted my documents through the normal dispute process on my Experian account, as recently as XX/XX/XXXX. Over XXXX months later, I received a letter in the mail stating they would not remove the information because again, they could not verify the agency who wrote my determination letter, and because they couldnt verify my address. 

The first problem with their response is that the agency who wrote my determination letter is easily verified, with all their contact information included in the letter I submitted ; there is no issue with verification Experian just didnt call them, or they lied about calling them. 

The second problem is that they sent me a letter in the mail stating they couldnt verify my address the same address that they used to send me a letter in the mail. This address is also the address on my ID, which I also provided them. 

The third problem is that I first submitted my request on XX/XX/XXXX with all proper documentation. It is now XXXX, and not only has Experian fabricated reasons for denial of my request, Experian has also completely ignored the timelines to which they are bound for processing this request by an outrageous, egregious amount of time compared to the XXXX days they have to process it when provided all documentation. 
I attempted to contact Experian multiple times to request more information and appeal, and each time was told no one was available at the moment, but I would receive a call back from an agent who could help. I have never received any call back whatsoever. 
Experian is denying my request in bad faith, and they are not attempting to resolve the error in any way. 

All documentation I provided Experian is attached to this complaint, as well as their XXXX most recent letters stating absurd, blatant lies about their ability to verify my 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

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

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of 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 non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern, * * I am disputing inaccurate information reported by * * TransUnion LLC ( TransUnion Credit Bureau ) * *. Despite previous disputes, TransUnion continues to violate the FCRA * * Fair Credit Reporting Act ( FCRA ) * *, including but not limited to : 1. * * Failure to Conduct Proper Investigations * * ( 611 ( a ) ) Despite previous disputes, TransUnion continues to report inaccurate collections without providing valid verification.

2. * * Reporting Unverified Information * * ( 623 ( a ) ( 1 ) ( A ) ) Creditors can not provide signed contracts or complete account statements, yet TransUnion maintains these items.

3. * * Unauthorized Hard Inquiries * * ( 612 ) Inquiries were pulled without permissible purpose, damaging my credit score unlawfully.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Resurgent Capital Services L.P.
State: WV

Complaint narrative:
I have received multiple calls, texts, and emails about debt that is not mine, does not have my name or my address on it. I have spoken with them on the phone and the ssn attached to the debt is not mine. I was told they would not contact me again, but after about six months each time, they contact me again. I believe the debt is from wayfair, but I do not have a wayfair account and never have. This is evident by the ssn number on the debt and the address on the debt not being mine. I have not received any written notice or statement of this debt. I have only received text messages, phone calls, and emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
These companies are not thoroughly conducting investigations inregards to my credit and my information. It has taken 3 years to finally remove inaccuracy of spelling, addresses, employers and etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fraudulent account and capital XXXX was very rude about this Everything that you see above are recent fraudulent inquiries on my Trans Union and Equifax report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This complaint is valid and not submitted in error. My credit report contains inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being, adding unnecessary strain during an already difficult time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is valid and not submitted in error. My credit report contains inaccuracies that fail to meet the required standard of maximum possible accuracy. These errors are causing ongoing harm to my financial stability and personal well-being, adding unnecessary strain during an already difficult time.

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