vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I sent this certified mail XX/XX/year> Comenity Capital Bank ACCOUNT XXXX BILLING DISPUTE XXXX XXXX XXXX XXXX XXXX XXXX Good afternoon, I have been your customer paying on time paying for my entire history with you as a customer during auto pay. 
I recently initiated to pay my account in full and to close the account. My bank and title company sent you a check in full on time to pay balance in full, so I cancelled auto pay so I didnt double pay. I received notice of late payment in email from you and was told by someone in your customer care department you never got the check from my bank/title company. I asked the title company/my bank to have a stop payment made and have them send me a check directly. ( I have attached documents to support this and have more if needed ) I have never had a late payment on my account for any of my accounts. This is affecting my credit negatively in addition you added a {$5000.00} interest charge for an account that was paid in full {$5700.00}. 
I see payment on your billing site as if I paid XXXX XXXX times. I was just informed the payment didnt go through as XXXX XXXX it was fraud. I have all the documentation to confirm. 
I paid and the payment was made and sent to you overnight but you didnt receive it for weeks????? I contacted my bank/title company to stop payment. I have never been penalized XXXX XXXX dollars interest rate for a balance of XXXX. I think we can come to an agreement. Please look at my customer history with you of XXXX late payments and paying in full prior to this error of you not entering my check payment in a timely matter. 
I was JUST told today the promotion of interest rate ends this month for XXXX. 
Please honor the fact that this account is paid in full and my customer history. 
I ask that you contact my bank and title company about this situation and verify with the XXXX XXXX check information that a check was sent for the full amount in XXXX way before my promotion would end. Due to the outrageous interest rate, I really hope this matter will be resolved by closing my account since its paid in full. If this matter continues, I will do everything in my power to ensure that a lawyer is involved. 

Sincerely, TRACKING NUMBER XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
Chase bank has opened several accounts in my name. Ive reported this fraud to FTC and the credit bureau. Ive also asked the bank to flag my name and social yet still getting letters for overdraft fees on accounts Ive never opened. Someone has been using my name, address and social security number to open accounts at Chase bank. This has been ongoing for approximately 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: College Ave Student Loan Servicing, LLC
State: MI

Complaint narrative:
I reviewed my credit report and found two hard inquiries from College Ave dated XX/XX/scrub> 2024. While it is possible that I may have applied for a product or service, I do not recall explicitly authorizing a hard credit inquiry on either occasion.

Under the Fair Credit Reporting Act ( FCRA ), hard inquiries require clear and explicit consumer consent. I contacted College Ave and requested proof of my authorizationsuch as a signed application or digital confirmation. The bank responded by stating that I had digitally signed a consent form, but they refused to provide a copy of the document or any evidence confirming that I knowingly authorized a hard inquiry.

I want to emphasize that the authorization must clearly state that it is for a hard inquirynot a general credit report check or account review. Without documentation showing that I gave informed consent specifically for a hard inquiry, I am concerned these may have been conducted without proper authorization. These inquiries have negatively impacted my credit score and financial planning.

I have made multiple attempts to resolve the issue directly with the bank, but I have not received the necessary proof or cooperation. Therefore, I am filing this complaint to request a formal investigation and assistance in having any unauthorized hard inquiries removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I recently checked my credit report and noticed an account with XXXX that I did not open. The account # XXXX opened on XX/XX/year>. I contacted the FTC Report # XXXX. I tried to dispute the account through Experian but they made it more difficult to submit a dispute, I have attached the FTC report along with the documents required per the FCRA 605 ( b ) and would like this information blocked. Experian report # XXXX. 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to formally request that you update my credit report to reflect the accurate and complete status of a debt account that I have fully satisfied, Please report the account as " Paid in Full '' and " Closed '' to accurately reflect the resolution of this matter and demonstrate my positive payment behavior. 

This information is vital for the completeness of my credit profile, and I am requesting your cooperation in verifying and reporting it under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally request that you update my credit report to reflect the accurate and complete status of a debt account that I have fully satisfied, Please report the account as " Paid in Full '' and " Closed '' to accurately reflect the resolution of this matter and demonstrate my positive payment behavior. 

This information is vital for the completeness of my credit profile, and I am requesting your cooperation in verifying and reporting it under the Fair Credit Reporting Act ( FCRA ).

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 2025-05-02 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: NV

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Today we called the US Treasury to confirm that no debt was owed to any agency under the Social Security Number. We asked the US Treasury to confirm that we in fact owe no agency any money or any funds or have any debt whatsoever due to any governmental agency. 

The US Treasury confirmed on phone XXXX that we in fact own No Funds. 

Therefore we claim harrassment, wire fraud, and fraudulent debt collection, harrassment using Wire/ Telephone / US MAIL against NAVIENT XXXX XXXX XXXX XXXX, their CEOs, Their Officers, Directors, and AGents and we request enforcement action and prosecution against all of them for wasting our time, harrassing us, and wasting public funds by our having to involved CFPB to remedy the matter. 

Today XXXX called again despite a Cease and Desist Notice. That is over 20 times on a Federal Do Not Call list. 

Further the credit agencies XXXX, XXXX, and XXXX  have failed to keep adverse information from NAVIENT, XXXX, XXXX off our credit report despite their actions being done in fraud, We therefore include XXXX, XXXX, XXXX  as co-conspirators/ accessories under the Pinkerton Doctrine which we believe is R.I.C.O. and violations of 18 USC 241, and 18 USC 242. We request that CFPB refer this to US Department of Justice for criminal prosecution ; and

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NY

Complaint narrative:
I previously notified Experian that I'm a victim of identity theft. the items per my FTC report are not mine. and should not be on my credit 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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company 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 2025-05-02 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
To whom it may concern, I hope this message finds you well.I bank with BMO HARRIS, N.A. and today I coordinated to receive funds via XXXX for an urgent matter. However, I've been receiving a message that states " XXXX XXXX XXXX XXXX  and Transfer to other banks are currently not available. Thank you for your patience while we work on a resolution ''. This issue has been persisting for approximately ( XXXX ) hours now. 

Over that time period I have contacted BMO and spoke to ( XXXX ) representatives to request a 'temporary credit ' in lieu of inconvenience and inability to access my funds. Ultimately, I was informed that " although they use XXXX 's services, BMO can not offer me compensation ( of any kind ) as the transaction is being managed by XXXX ''. After speaking with those reps ', I was referred to XXXX and from there referred to XXXX ( financial institutions integration management company ). In each instance my request was the same, in addition to asking for a status update on the situation but to no avail. The reps ' at XXXX and XXXX both commented that they're not able to offer any compensation because they don't actually reserve any funds but rather manage transactions. 

So, as an initial measure I would like my complaint noted here before I decide to take further action. This issue has, in fact, been a great inconvenience to me and to be left in the dark without any answers is further an insult. Upon you reviewing my complaint, should you have any suggestions as to how to move forward - I'm open. 

P.S. - I can provide my documents, recordings, and screenshots upon request to support my claim Best regards, Valued Customer

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 2025-05-02 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: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX  data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections/closed accounts XXXX  {$2900.00} XXXX XXXX {$1700.00} XXXX XX/XX/XXXX Inquiries XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) 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
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
15 U.S. Code 5 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. | HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM EXPERIAN

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 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: MO

Complaint narrative:
On XX/XX/scrub> 2025 my cash app account was fraudulently hacked and {$1400.00} was stolen from my cash app account by a Cash App user that I do not know, that does not have any relation to me, & is not in my contact list, nor ever sent or received funds from this cash app user in the past. I immediately called cash app customer and requested to have XXXX, stop payment or a reversal. Of payment in the amount of {$1400.00} to be returned back to my account. They denied me because their reason was that the payment was already received by the fraudulent cash app user that stole XXXX XXXX XXXX XXXXXXXX XXXX for my cash App account. I then went to the the XXXX XXXXXXXXXXXX XXXX police department XXXX XXXX XXXX, end up filed a case report XXXX XXXXXXXX on the date of XX/XX/year>2025. Cash app is refusing to rectify the fraudulent activity and theft of {$1400.00} from my Cash App. Account, they also are refusing to compensate Me until the investigation That they will not provide me any information about and told me. I needed to wait XXXX days until I will find out anything. And I requested to have funds sent to my Cash App. Account to compensate for the {$1400.00}. That was stolen out of my Cash App. Account. I stated that I would not be able to eat, or have a safe roof over my head. This causing me to be homeless. Not provide for my family and jeopardizes my well-being, and my way of life severely. 
By being victimized through the Cash App platform by a source that I have no relation whatsoever to NEVER in the past or now I have no idea who this Cash App is user is, but Cash App is refusing to do anything to compensate for. 
The dwelling that this incident has negatively affected my life and the overall well being state of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX * * BALANCE : {$3000.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
In XXXX I faced a XXXX XXXX XXXX XXXX XXXX. During this emotional crisis, I was encouraged to apply for financing through a credit account to cover the XXXX XXXX XXXX  The application was processed via phone and digital link, with little explanation of the financial terms or repayment expectations. 

Sadly, XXXX XXXX XXXX XXXX within XXXXwo days of the procedure. I was later billed over {$13000.00} through the credit account and never received a signed agreement, itemized bill, or clear documentation. I only discovered the account when it began affecting my credit. 

I formally disputed the account with a credit bureau and followed up with a legal request for verification, but was told it was verified and updated without proof. A debt collector has since attempted to collect the balance, and I sent them a request for validation. To date, Ive received no documentation from either the original creditor or the collector. 

This situation has caused long-term emotional and financial stress. Im submitting this complaint to request deletion of the account due to lack of verification, and to raise awareness about the risks of emotionally pressured financing during emergencies.

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 2025-05-02 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: IL

Complaint narrative:
XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX 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