vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I opened an XXXX  Credit account to finance a XXXX for {$4300.00} under a XXXX No Interest if Paid in Full promotional plan. I made all required payments for over XXXX years and was left with only {$9.00} remaining at the end of the promotional period. Due to this small remaining balance, I was charged {$1900.00} in deferred interest retroactive to the purchase date. 

This amount is disproportionate to the {$9.00} balance and does not reflect the spirit of the promotion or fair lending practices. I contacted the creditor immediately to request a waiver or reduction of the interest based on my consistent, timely payments and the fact that over 99.9 % of the balance was paid on time. The company refused any adjustment. 

I believe this practice is unfair and deceptive to consumers, especially when a negligible shortfall results in an extreme financial penalty. I am requesting the CFPBs assistance in having this charge waived or reduced and to encourage the company to adopt more reasonable practices in similar cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX'To Whom It May Concern,\n\n\nI am writing to formally dispute an inaccurate entry listed on my credit report regarding a bankruptcy allegedly filed on XXXX XXXX XXXXI contacted the Clerk of the Federal Bankruptcy Court in writing to verify this record. In their response, they explicitly stated that they do not verify bankruptcy filings for credit bureaus or creditors. As such, this entry cannot be independently verified through the original source.\nUnder the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report only accurate and verifiable information. Since this bankruptcy listing cannot be verified by the original sourcethe bankruptcy courtit is considered unverifiable and must be removed from my credit report.\n\nI request that you conduct an immediate investigation into this matter and remove the bankruptcy entry from my credit report. Please send me written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting any changes made.\n\n\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-11 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: NY

Complaint narrative:
XXXX'To Whom It May Concern,\n\n\nI am writing to formally dispute an inaccurate entry listed on my credit report regarding a bankruptcy allegedly filed on XXXX XXXX XXXXI contacted the Clerk of the Federal Bankruptcy Court in writing to verify this record. In their response, they explicitly stated that they do not verify bankruptcy filings for credit bureaus or creditors. As such, this entry cannot be independently verified through the original source.\nUnder the Fair Credit Reporting Act (FCRA), credit reporting agencies are required to report only accurate and verifiable information. Since this bankruptcy listing cannot be verified by the original sourcethe bankruptcy courtit is considered unverifiable and must be removed from my credit report.\n\nI request that you conduct an immediate investigation into this matter and remove the bankruptcy entry from my credit report. Please send me written confirmation of the results of your investigation, as well as an updated copy of my credit report reflecting any changes made.\n\n\n\nSincerelyXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Netspend Corporation
State: DC

Complaint narrative:
On XX/XX/2025, I opened a new checking account with Netspend to qualify for a {$200.00} bonus. The terms of the promotional offer required a direct deposit, which I met on XX/XX/2025, with a direct deposit of {$400.00}. 

I contacted Netspend in late XXXX and again on XX/XX/2025, to inquire about the status of the bonus. On both occasions, I was told that I had qualified for the {$200.00} bonus and that I should wait up to XXXX business days for it to be deposited into my account. It has now been over XXXX business days since my last contact, and the bonus has still not been credited to my account. I have attached screenshots of the offer and my account statements showing I met the requirements.

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 2025-08-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: NY

Complaint narrative:
My federal student loans are currently with Mohela, and I made my XXXX PSLF payment back in XX/XX/XXXX, however my count with Federal Student Aid has been stuck at XXXX for the past 12 months. Federal Student Aid has not updated that I've had any qualifying payments since that time ( XX/XX/XXXX ), despite Mohela assuring me they can see my payments in the XXXX XXXX XXXX XXXX XXXX through XXXX of XXXX. I've actually made XXXX qualifying payments. I have submitted documentation after documentation, called and emailed, submitted complaints, and have gotten either no help or contradictory statements from XXXX XXXX XXXX and Mohela for the past year. I submitted a reconsideration request XX/XX/XXXX ( # XXXX ) with XXXX XXXX XXXX and was told it would take at most XXXX business days, however it has since been XXXX business days and when I call no updates are given. I ask every time I call XXXX ) Is there any way I can escalate this and XXXX ) Is there any way they can just recognize monthly payments, so I can submit a new employment verification form and just finally be recognized for the over XXXX payments I've made. I do not know if I need to hire a lawyer at this time, but I just do not understand why my payments haven't been recognized for approximately 12 months. Everyone else I know who took out loans at the same time as me have already had their loans forgiven for months, yet here I remain. Please help!

Company response to consumer: Untimely response
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Branch Messenger, Inc.
State: TX

Complaint narrative:
I work for XXXX. Occurred on XX/XX/year> at XXXX pm. 

I had a ride request come through my XXXX driver app that I accepted by the name of " XXXX ''. A few seconds to a minute later as I was in route to, a call came in on my cellphone number showing it was from XXXX. A male on the line stated that a previous passenger reported that someone was using my account claiming they were me and the driver did not match my XXXX profile picture. I was asked to cancel the ride and pull over, then sent a link via text and told to click on it to verify it was me ( like XXXX 's customer service does which is the only reason I did so ). The caller knew my name, phone number, how long I had been driving, how many rides I had given to date, my star rating, etc. I was not asked any account information yet they were able to wipe my XXXX XXXX XXXX  account clean the amount of {$990.00}, also taking a {$50.00} back up balance and a {$19.00} transfer fee from my account, leaving me in the hole. I filed a police report and gave the XXXX screenshots of everything from the call - number, incoming time, text number with the length, the cancelation which was the only cancelation I had for the day. The XXXX stated it was an inside scammer job due to the nature that the caller was able to send a ride thru the driver app and had all my information. I am not able XXXX XXXX until I get a new account set up and all my bank information removed. The hackers now have all my information, emails, bank accounts information, access to my phone account, credit cards, etc. Plus there is a fee that is going to be taken of {$50.00} that I have XXXX XXXX to pay back not allowing me XXXX XXXX which is my only source of income at the moment as I am XXXX and elderly. I can not get a live person via XXXX to assist with this matter asap. Everything is taking time and they want to do it via email, or through the app which the XXXX mentioned not to do, have them create a whole new account for me which XXXX is not doing. XXXX needs to have their processes changed, as this does not work for fraud cases. ANY Urgent / expedited help with this matter would be of great help. XXXX is saying it will be 90 days before a dispute is resolved. I am not able to get a live person to assist with any matters now concerning my account to be reset to another one or funds credited to my other bank account. It's all automated. I have submitted reports and complaints to XXXX, the police department, the FTC and now with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: GA

Complaint narrative:
I received my direct deposit of {$2000.00} on Friday the XXXX of XXXX and not even XXXX minutes after someone hacked my account and locked me out. It took 2 days for a representative to help with my problem just for it to happen again XXXX hours later by the same person. Cashapp had frozen my funds so once I regained access the first time I wasnt allowed to withdraw any of my money like I needed which allowed the hacker access to my money again. So when I called customer service about the XXXX attack they told me I have to wait XXXX before they can do anything about it. 
The cash tag that was hacked is $ XXXX it is verified with my drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: MA

Complaint narrative:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. Every time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. 

Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-08-11 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: WI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-11 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: WI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to access my esperian account. I have called about XXXX times over XXXX days and tried all the ways to get a live person shown on the internet. When I try Esperian live chat always hangs up. Issue : system says my password is wrong. I try to reset but the phone number they have for me is an old land line that is no longer in effect. 
I have tried to get help to reset the phone number all to no avail. 

esperian will send a link to me and when I click the link all then goes to the old land line it is awaful that I have gone in loops over and over. Please help me get access to my esperian account. 

thank you for any help you can provide

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 2025-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX XXXX IS a victim of identity fraud and theft and my credit report has been affected do to such circumstances and do to that I have unauthorized inquiries on my report 24 to be exact. FCRA Section 605B ( 15 U.S.C. 1681c-2 ) provides a mechanism for identity theft victims to block fraudulent information from their credit reports.under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681. Inaccurate reporting have not supplied proof under the doctrine of estoppel by silence Engelhardt v.

Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
Unauthorized/Erroneous Account RESULT OF the XXXX  Data Breach Direct Violation of The FCRA Reporting falsely. 

I demand you to delete and remove these fraudulent inquiries off my credit report that I didnt authorized and have no acknowledgment of such fraudulent activity and information : XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX OF XXXX ( Bank ) XX/XX/XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX Bank XXXX XX/XX/XXXX XXXX  XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX (  Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Bank ) XX/XX/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 non-monetary relief