vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-26 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: MS

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 XXXX 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 2025-07-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: TX

Complaint narrative:
To Whom It May Concern, I am writing in response to a debt being reported or collected against me related to Case No. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to official court records from XXXX XXXX XXXX XXXX at Law XXXX, the total judgment awarded on XX/XX/year>, was : {$6100.00} in damages {$160.00} in court costs Total : {$6300.00} However, I am now being told that I owe over {$12000.00}, which is nearly double the judgment amount. The only documentation I received was a vague, unsigned XXXX spreadsheet, which : Contains no payment history, No lease agreement or ledger, No move-out statement, No photos or invoices of alleged damages, And no legal basis for additional fees or interest. 

This does not meet the standard for debt validation under the Fair Debt Collection Practices Act ( FDCPA ) or Consumer Financial Protection Bureau ( CFPB ) guidance. 



I am formally requesting the following : XXXX. A full, itemized breakdown showing how the total balance was calculated XXXX. A copy of the lease agreement XXXX. Move-out inspection or documentation of damages ( if any ) XXXX. Proof that any additional charges beyond the court judgment are legal and collectible XXXX. A halt to collection activity and credit reporting until proper validation is received Until this is provided, I dispute this debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am writing to formally dispute and report an unauthorized credit card application and potential identity misuse stemming from deceptive business practices by XXXX or an affiliated representative acting on their behalf. 

On or around XX/XX/year>, I engaged with XXXX under the clear representation that I was enrolling in a service plan costing {$35.00} per month for a two-year term. At no point during this transaction was I informed, either verbally or in writing, that I was applying for a credit card account or any form of consumer credit. I was explicitly led to believe this was a standard payment agreement or subscription plan, not a financial product that would involve a credit inquiry, extension of credit, or creation of a credit line in my name. 

I was later made aware that a credit card account was opened without my informed consent on XX/XX/year>. Even more troubling, I discovered that the card had been charged {$2100.00}, an amount I was completely unaware of and never authorized. This charge occurred without full disclosure of terms, and without my knowledge or approval of the transaction, amount, or agreement.

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 2025-07-26 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Post Lake Lending Inc.
State: AL

Complaint narrative:
Got a {$1000.00} dollar loan interest rate is % XXXX they have me paying almost {$8000.00} back with a {$140.00} weekly payment coming out my bank acct every week

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, 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 non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I shop at XXXX. Due to a phone call from a XXXX XXXX representative that stated I needed to give everything XXXX  days before I used any card online. That's a problem as I am XXXX and can not pick up more than XXXX pound. This new card charged me for XXXX for {$260.00}. XXXX has done this not only to my other cards but now is trying on the new card. I will be calling them tomorrow to notify them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: OH

Complaint narrative:
I am submitting this complaint regarding a collection account that has already been paid in full, but is still being reported inaccurately on my credit report and/or I am still being contacted regarding the debt. 

The original debt was paid on XX/XX/year> to Halsted Financial Service. I have attached proof of payment. 

Despite the payment being made, the collection account has not been updated to reflect a XXXX balance and/or " Paid '' status. Additionally, I may still be receiving collection calls or letters related to this debt, which I believe is in violation of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 

I have attempted to resolve this issue directly with the collection agency and/or credit bureaus but have not received a resolution. 

I am requesting that : The collection account be updated to show a {$0.00} balance and a " Paid '' or " Closed '' status immediately ; Any further attempts to collect on the debt cease ; Any negative reporting related to this debt be corrected or removed from my credit file, as the debt has been satisfied. 

Please investigate this matter and ensure the appropriate corrective actions are taken. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: 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 XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: PA

Complaint narrative:
I've submitted documentation from XXXX to XXXX, and these accounts are still reporting inaccurate information across all XXXX major credit bureaus. Accounts were sold without my permission, and this is unlawful.

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 2025-07-26 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: TX

Complaint narrative:
Transunion- Please remove the following address from my credit report as it is inaccurate and does not belong to me. XXXX XXXX XXXX XXXX, TN XXXX. Please remove the following employment as it is inaccurate and does not belong to me. XXXX and XXXX XXXX. My FTC report is attached.

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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I noticed a fraudulent charge on my card on or about XX/XX/year>2024 and notified Chase that day. They removed the charge and issued me a new credit card. Months later they reinstated the charge to my card and when I called to dispute they told me the vendor - a hotel- claimed I had checked in then checked out early - roughly a month after the card had been cancelled!! Chase would not tell me who the vendor was, and they could not obtain any proof that I ever was physically at this hotel, other charges, check in information, etc. I was a Chase customer for over 35 years - mortgages, cards, checking acct - and have since cancelled all my Chase accounts except my XXXX card because there is not other option with XXXX. 
I wrote and sent a registered letter in XX/XX/year>2024, with proof of delivery, to Chase 's head of consumer banking, XXXX XXXX, and never even received a response. I'm very disappointed with the lack of information they provided and every time I talked to someone at Chase the told me this looked like fraud but then never resolved the issue. 
I also notified XXXX XXXX XXXX and XXXX of this situation by mail in XX/XX/scrub> 2024 ( see attachments ) Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/2025, I made a purchase through XXXX for XXXX XXXX to provide transcripts from a court proceeding. This was paid on an invoice that XXXX herself sent me. The amount was XXXX. 
When I received nothing, I communicated that I had not received anything and filed a dispute. 
Capital one, on XX/XX/XXXX, issued a provisional credit to me in my favor. They were made aware of the fact that I had received nothing. 
On XX/XX/XXXX, I was informed that the credit was being reverse and the money taken back out of my account. On that day, I contacted capital one and told them I had emails where XXXX both confirmed she had sent nothing to me and that she would be sending nothing unless I paid yet another invoice. I was told it would be escalated and I would receive an email where I could send screenshots of my emails with XXXX. 
I heard nothing until XX/XX/XXXX. I was told that, without looking at any of my emails, capital one made the decision to not give my money back. I called again and demanded the email address to send my documents to and that it be escalated. 
I sent my documents on that date. 
As of today, I have received nothing aside from their alleged proof sent to me on the XXXX that was used in capital ones decision to not give me my money back. The proof was nothing aside from a statement from XXXX that she was willing to work with me-not even a statement that she has sent or will send anything, because she has not. 
Ive reached out multiple times to capital one and I am repeatedly ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Regarding TransUnions Refusal to Allow Unfreeze of Credit File on Demand To Whom It May Concern, I am submitting this formal dispute and consumer complaint against TransUnion LLC regarding its failure to allow me to unfreeze my credit file on demand, as guaranteed under the Fair Credit Reporting Act ( FCRA ) and applicable state consumer protection laws. 

I voluntarily placed a security freeze on my TransUnion credit file through their online portal for the purpose of protecting my credit information from unauthorized access. The intention and design of this featureas outlined by TransUnion and supported by federal lawis that consumers should be able to temporarily lift or remove the freeze quickly and at their discretion, especially when applying for credit or verifying their identity. 

However, I have since been repeatedly denied this ability. Despite having my proper credentials, I have been unable to access the tools to lift or unfreeze my credit file online or through the automated phone system. I contacted TransUnion on four separate occasions, and each time I was instructed to submit a written request via mail. This requirement is unnecessarily burdensome and defeats the very purpose of placing and lifting a credit freeze, which should be accessible on-demand to facilitate timely credit approvals or account verifications. 

This obstruction creates undue hardship and violates my consumer rights. Other credit bureaus provide seamless digital access for freeze management, and TransUnions refusal to do so appears to be arbitrary, unreasonable, and possibly discriminatory in nature. 

I am requesting that the CFPB investigate this matter and require TransUnion to : 1. Immediately restore and enable my access to unfreeze or manage my credit file online or via their secure automated phone system.

2. Provide a written explanation as to why my access has been restricted despite proper verification.

3. Ensure that all consumers who place a security freeze are able to manage it easily and without undue delay or barriers.

I have attached any relevant documentation, including call logs and reference numbers provided during my calls with TransUnion representatives, to support my claim. 

Thank you for your attention to this matter. I respectfully request an expedited review and enforcement action to prevent continued harm and obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 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: FL

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2025-07-26 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: AL

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 XXXX 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 2025-07-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hi, I had taken XXXX credit of {$6000.00}, from my dentist office to pay for dentures. They had misleading information on their promotional APR. I had been paying on time for XXXX  years with no issues. I had {$2000.00} remaining balance as of XX/XX/XXXX. They charged me {$3500.00} in interest, due to not paying it off fully during the promotional period. This is deeply concerning and misleading interest scam. How can they charge me more than what I Owe at that time. Only explanation with customer service they had XX/XX/XXXX is that why didnt I check the statement on XX/XX/XXXX, where they gave warning. After speaking to representative ( XXXX XXXX ), who basically told me that if I pay of the remaining balance of {$2000.00}, this inane credit interest will be waived. He did the transaction himself online and told me wait XXXX to show up on account. I checked my account today XX/XX/XXXX, and saw the {$2000.00} transaction that operator from XXXX initiated went through. However, the interest charge is {$3500.00} + additional {$130.00} interest was charged today! I called again today, and XXXX stated there is nothing they can do, and they have no record of operator XXXX stating such. If that so, then who did the transaction online of the remaining balance for me? This makes no sense. 
I would like CFPB to do a through investigation as XXXX is scamming thousands of people with their interest scam, misleading promotional advertising. So this does not happen again. I would also like the insane interest amount of {$3500.00} to be waived, as they only put it sneakily on their XXXX statement, no email or mail or any other communication was made to me. 

Please look into this so other consumers are not also get scammed by this company. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-26 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: MI

Complaint narrative:
Please assist me in investigating accounts from these companies that are wrongly reporting late payments. My credit report shows late payments that shouldnt be therethese must be removed. I ask that you delete those remarks and update the accounts to reflect the positive status we agreed upon.

Company response to consumer: Closed with explanation