vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I recently checked my credit report and noticed I had 8 late payment on my credit report in which I was NEVER LATE. Consumer Reporting Agencies have assumed the vital role and have the responsibility of Reporting accurate consumer information to the best of their ability with maximum accuracy. I've never been late on my account with Comenity capital Bank ( Account # XXXX ). 
Please investigate and provide proof with statements showing these payments were late. 
If proof can not be furnished I demand these payments be promptly updated to reflect on-time and never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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:
Dear Sir or Madam : I am writing to formally notify you that I am a victim of identity theft. The following accounts listed on my credit report - DEPT OF ED/XXXX - Account No. XXXX - DEPT OF ED/XXXX - Account No. XXXX In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I respectfully request that these Enclosed are the following documents to support my request : - A copy of my credit report with the fraudulent items clearly identified - A copy of my Identity Theft Report - Proof of my identity - A copy of Section 605B of the Fair Credit Reporting Act Thank you for your prompt attention to this matter. I look forward to your written confirmation that these items have been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a previous issue with Target not updating my available credit and filed complaints against them so they retaliated by blocking me from contacting customer support. On XX/XX/year>2025 I placed an order for {$140.00} and can see that the original charge is still pending in my account. But they also charged me for each individual item, those charges aren't pending, so I have a negative available balance and can not use my credit card. This has never happened before and I can not get through to customer support to resolve the matter. I'm sure I'll just wait 2 weeks, like last time, to receive the company 's response in the mail telling me " we do whatever we want and as a customer you have to deal with it ''. This seems intentional because I filed complaints against the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
I am facing a serious issue with my XXXX account, where my account was hacked, and all of my details were changed without my consent. The hacker redirected my funds to an unknown account, and I realized this only when I did not receive the expected payouts from XXXX. 

Heres what happened : Between XX/XX/XXXX and XX/XX/XXXX, I was expecting daily payouts of {$2700.00} from XXXX, but none of these were credited to my account. 

On XX/XX/XXXX, I was expecting a payout of {$4000.00}, which also never made it to my account. 

The hacker changed my account details and rerouted the payouts to an unknown account. 

I immediately reached out to XXXX support multiple times, but there has been no effective response or resolution. 

I also contacted XXXX, but no immediate action was taken to stop the unauthorized payouts, allowing the situation to worsen. 

As a result, I have lost {$13000.00} in funds. There was no two-factor authentication ( XXXX ) or proper security measures in place to prevent the breach. 

I am seeking assistance to regain access to my account and recover the stolen funds, and I urge both XXXX and XXXX to address the security vulnerabilities in their systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: Westlake Services, LLC
State: IL

Complaint narrative:
I am victim of identity theft witch had me in vulnerable in distress.fraudulent account was open in my name without my knowledge and consent.cause significant harm to my credit XXXX.I am determined take necessary step to clear my name protect my identity and restore my financial well being.i kindly request you please remove these fraudulent account from my credit report.As they do not actually reflect financial history or responsibility.I appreciate any support or assistance over come these unfortunate experience.

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 2025-04-13 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  XX/XX/year>2023 XXXX XXXX XXXX XXXX XXXXXXXX/2023 XXXX XXXX XXXX XXXXXX/XX/year>2023 XXXX XXXX XXXX/2023 XXXX XXXX XXXX/2023XX/XX/year> XXXX XXXX XXXXXXXX/XXXX/2023

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 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
So I had posted a payment of {$85.00} on XXXX/XXXX/2025 in order to pay off the credit card, as well as have some spending money for basic necessities, like food. Fast forward to XX/XX/scrub>/2025, I still dont have any available credit, and I am starving. I called over the phone, and they said they cant help me and that the payment will post XX/XX/scrub>/2025. So this is what I pay 30 % interest for? This is what Im working to pay off? A card that holds my money XXXX and doesnt let me use it? On top of already having a huge balance? You guys are XXXX and I regret having used you for one XXXX, I was a XXXX XXXX XXXX XXXX and now you want to punish me by not even allowing me to eat. You deserve to go to XXXX. Much love to XXXX over the phone for KNOWING THAT I AM GOING TO STARVE, seeing that I GAVE YOU GUYS {$100.00} JUST FOR IT TO DISSAPPEAR FOR XXXX XXXX DAYS. ARE YOU XXXX SERIOUS YOU ABSOLUTELY XXXX XXXX XXXX XXXX THIS IS WHAT IM PAYING APR FOR REALLY? IM DONE IM ABSOLUTELY DONE NOW YOU GUYS WILL SEE HOW REALLY XXXX OFF I CAN GET

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: TX

Complaint narrative:
I recently review a copy of my credit report and noticed a few fraudulent accounts on my report. Please remove them they are hurting my ability to obtain credit.

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 2025-04-13 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:
I am writing to file a formal complaint against XXXX XXXX XXXX for reporting inaccurate and misleading information to the credit reporting agencies Equifax, Experian, and TransUnion, in violation of the Fair Credit Reporting Act ( FCRA ).

Upon reviewing my credit reports, I have identified multiple inaccuracies related to this account, including : Incorrect or inconsistent account number Inaccurate status updates Incorrect balance reporting Erroneous late payment entries Inaccurate payment history details These discrepancies do not accurately reflect my account status or payment history and are causing undue harm to my credit profile. I have already attempted to resolve these issues by disputing the information directly with the credit bureaus, but the errors have not been corrected. 

Under the FCRA, I am entitled to have only accurate, complete, and verifiable information included in my consumer credit file. Therefore, I respectfully request that the CFPB investigate this matter and take any necessary action to ensure that the inaccurate information reported by XXXX XXXX XXXX is either corrected or removed entirely from all three major credit reports. 

I have attached any relevant documentation to support my claim. Thank you for your attention to this matterI look forward to a timely resolution. 

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 2025-04-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2025-04-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I have attempted on several occasions to dispute a time-barred debt with all 3 credit bureaus and the original credit will not delete or seize all collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: OH

Complaint narrative:
XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed.

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX XXXX These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately.

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$450.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Looked at my credit file and spotted credit inquiries that I was not aware of. The credit reporting agencies are not allowed to provide my personal information without my approval, whether online or via mail. According to the FCRA, it is direct violation.

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 2025-04-13 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:
Looked at my credit file and spotted credit inquiries that I was not aware of. The credit reporting agencies are not allowed to provide my personal information without my approval, whether online or via mail. According to the FCRA, it is direct violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-04-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I keep getting a bill for XXXX XXXX XXXX stating that I opened an account with this company on XXXX XXXX, XXXX, which I did not. I contacted the company informing them that I did not get or had services from this company on this date and ask them to provide me with a copy on this contract showing that I signed up or got this service, but they never provided anything to me. This information is on my XXXX credit report but not on my XXXX XXXX or XXXX report because XXXX XXXX and XXXX has already disputed it, and they have removed it but XXXX claim that they have disputed it and verified the information but have never provided me with a contract for the services that the company claimed I got, I have requested this information the several times that I have disputed it and never got it.

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 2025-04-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: LA

Complaint narrative:
Back in XXXX I lost my cash app card after having my original one since XXXXThey canceled my card reorder another one claimed that it'll take up to 7 to 10 days to get. In total almost a month went by and I asked for an update they canceled the card and told me I could go in the app and order a new one but I couldn't it's like the screen was locked on their end still showing the old card number that was canceled after going back and forth they just sent me a link to order it they stated it be up to 14 days max and now it's been about 25 days and I never got so they canceled that one. They won't escalate or even try to accommodate in no way. My address is correct on file and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 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: VA

Complaint narrative:
Clarity is tracking my activity without my clear consent. I want to opt out of all tracking and data collection associated with Clarity services.

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