vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: CA

Complaint narrative:
I wasnt sure how to do the account and I put a random username and I forgot wich was it and log in I cant log in anymore I put the money already in the card

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 2025-08-02 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: MA

Complaint narrative:
Upon reviewing my credit report, I noticed multiple unauthorized hard inquiries dated XX/XX/year>, related to what appears to be attempts to obtain a car loan. I have never applied for a vehicle loan, and in fact, I do not even have a drivers license, which makes such applications impossible and suspicious. 

These inquiries were not initiated or authorized by me in any form, nor did I give anyone permission to access my credit report for a vehicle loan or any other purpose. Therefore, I believe my personal information was used fraudulently or without my consent.

According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b ( c ), a credit bureau may only allow access to my credit report with permissible purpose. An inquiry for a car loan application that I did not authorize does not meet this standard. Allowing such access constitutes a violation of my rights under federal 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 2025-08-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
Re : Account Number [ Insert Account Number ] Subject : Request for Debt Validation Under FDCPA 809 To Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt.

Please provide the following information : Proof that I am legally obligated to pay this debt ( e.g., a copy of the signed contract or agreement ).

A detailed breakdown of the debt, including : The original creditors name and address.

The amount of the original debt.

Any interest, fees, or charges added and how they were calculated.

The date the debt allegedly became due.

Verification that your company is licensed to collect debts in my state.

Any documentation showing you have the legal right to collect this debt.

Until you provide proper validation, I dispute this debt and request that you : Cease all collection efforts.

Do not report this debt to any credit bureaus.

Remove any existing reports if the debt can not be validated.

Additionally, if this debt has been sold or transferred, provide documentation proving the chain of ownership.

Under the FDCPA, you must cease collection activities until you provide verification. Failure to comply may result in legal action.

Please send all correspondence in writing to the address above. I do not authorize phone calls regarding this matter. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: AL

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) after several unsuccessful attempts to have you reinvestigate these accounts. Despite my previous disputes, these accounts remain inaccurately reported and continue to damage my creditworthiness.

According to 15 U.S.C. 1681i ( 5 ), TransUnion is required to modify, delete, or permanently block the reporting of inaccurate or unverifiable information. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) clearly states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The following accounts are in violation of these provisions : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment history/rating is inaccurate for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  Issue : XXXX XXXX The payment history/rating is inaccurately reported for XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Issue XXXX XXXX XXXX  The payment history/rating is incorrect. The reported amounts, other than balance and/or past due, are inaccurate, and the account dates are incorrect. 

These inaccuracies violate my federally protected rights to accurate reporting, privacy, and confidentiality.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) after several unsuccessful attempts to have you reinvestigate these accounts. Despite my previous disputes, these accounts remain inaccurately reported and continue to damage my creditworthiness.

According to 15 U.S.C. 1681i ( 5 ), TransUnion is required to modify, delete, or permanently block the reporting of inaccurate or unverifiable information. Additionally, 15 U.S.C. 1681s-2 ( a ) ( 1 ) clearly states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
The following accounts are in violation of these provisions : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  The payment history/rating is inaccurate for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX  Issue : XXXX XXXX The payment history/rating is inaccurately reported for XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Issue XXXX XXXX XXXX  The payment history/rating is incorrect. The reported amounts, other than balance and/or past due, are inaccurate, and the account dates are incorrect. 

These inaccuracies violate my federally protected rights to accurate reporting, privacy, and confidentiality.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue one before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with COMMENITY BANK or any of the affiliates. I have confirmed and advised COMMENITY BANK that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how COMMENITY BANK approved a credit under my name, without doing any further review and confirmation. Given the fact that COMMENITY BANK has the right to investigate and obtain all necessary information prior to approving any credits, COMMENITY BANK has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, COMMENITY BANK must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that COMMENITY BANK must comply with prior to approving any credit card/lines to anyone. Pursuant to COMMENITY BANK 's online advertisement, COMMENITY BANK encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from COMMENITY BANK stating that my information was used or attempted to be used in order to open an account. Thus, COMMENITY BANK has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, COMMENITY BANK violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for COMMENITY BANK to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

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 id-entity 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 explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: NC

Complaint narrative:
So on XX/XX/XXXX I ordered a pair of XXXX XXXX XXXX  for XXXX $ and XXXX alo sets for XXXX $ each for a total of XXXX $ plus taxes and fees on the shop app through a merchant called XXXX she said on XXXX she would ship on the XXXX of XXXX then on the XXXX of XXXX I ordered some XXXX XXXX reimagined from the same merchant on the shop app for XXXX $ and she said she would ship on Friday the XXXX which she did not ship either times on the XXXX or XXXX and today I went to XXXX to try to see whats going on and she blocked me an took her shop account down

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: GA

Complaint narrative:
I have recently reviewed my consumer report and noticed fraudulent accounts reporting on my behalf. These accounts are fraudulent as I did not authorize these accounts to be opened on my behalf. Since, this is a form of identity theft I ask that the accounts be removed off of my consumer report 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 explanation
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
XXXX XXXX ), ( XXXX, ( XX/XX/1995 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of those in the attached reports. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: MD

Complaint narrative:
XXXX XXXX ), ( XXXX, ( XX/XX/1995 ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of those in the attached reports. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is a new, non-duplicate dispute based on newly reported and newly reopened evidence concerning XXXX XXXX XXXX account ending in XXXX. I was the co-borrower, and my responsibility ended immediately when the vehicle was declared a total loss and fully settled by insurance ; I never agreed to any continued liability, any new XXXX term, nor signed or authorized a contract for the reported {$3300.00} balance. XXXX XXXX XXXX and the credit bureaus ( Equifax, Experian, TransUnion ) have failed to provide any documentation substantiating that this account is accurate, valid, or authorized. Despite my submission of an FTC identity theft/fraud report, they have refused to accept the report and continue to furnish this unauthorized tradeline as open with a charge-off and balance, including repeatedly reopening and closing the accounteach reopening constituting fresh inaccurate and misleading derogatory reporting. The current open status with a charge-off and balance, combined with the toggling pattern, amounts to re-aging, status manipulation, and knowingly furnishing inaccurate or outdated information in violation of FCRA XXXX ( b ) and XXXX ( a ) ; it also creates improper risk of interference or conflation with the separate current positive XXXX XXXX XXXX account XXXX XXXX XXXX in violation of FCRA 1681i ( a ). No 1099-C was ever issued in violation of 26 U.S.C. 6050P and IRS Publication 4681, further undermining the legitimacy of the reported charge-off. The reporting is inconsistent with XXXX XXXX integrity standards requiring clear, substantiated, and non-conflicting account history. The credit data from XXXX and XXXX further confirms that the XXXX XXXX XXXX account ending in XXXX does not appear in my files with either of those consumer reporting agencies, which underscores that the derogatory charge-off tradeline being reported elsewhere is unauthorized, inconsistent, and improperly maintained. Their absence of this account in my XXXX and XXXX profiles highlights the disparate and misleading reporting pattern, and further supports that the account status is inaccurate and that the tradeline in question is being handled abusivelyparticularly given the repeated reopening/closing toggling and lack of validation. I am requesting that the CFPB investigate this matter thoroughly, document the pattern of abusive and inaccurate reporting, and escalate for enforcement under FCRA 1681n and 1681o, and notify the FTC and IRS Criminal Investigation Division. I demand the permanent deletion of the unauthorized and inaccurate tradeline for account ending in 5087, immediate cessation of all reopening/closing manipulation, and written confirmation that the current positive account ending in 6530 will not be disputed, reinvestigated, or conflated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
To Whom It May Concern, This dispute is submitted directly by me, and I have not authorized any third-party credit repair agency. I am a confirmed victim of the 2017 Equifax Data Breach and am asserting my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX Reported as unpaid and placed for collection without

supporting documentation. FCRA Violation : 609 ( a ) ( 1 ) ( A ), 6
11 ( a ) ( 1 ) ( A ) CRDMGMCOMP Installment account reported in collections ; unverifiable and status unclear.

FCRA Violation : 623 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) TACACCPT ( 2 entries ) Duplicate reporting with inconsistent statuses ; misleading and inaccurate.

FCRA Violation : 605 ( b ), 623 XXXX XXXX XXXX Listed as unpaid and reported as a loss ; no valid proof of debt.

FCRA Violation : 609, 611, 623 My Legal Demand Provide original signed contracts and verifiable documentation for each item.

Delete all items that can not be fully verified within 30 days. 

Send me written confirmation of investigation results and any deletions.

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 2025-08-02 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX. SSN : XXXX Subject : Request for Blocking and Deletion of Fraudulent Accounts Under 15 USC 1681c-2 ( a ) To Whom it May Concern, I am writing to formally request the blocking and deletion of all fraudulent accounts and inquiries associated with my credit report, as I am a victim of identity theft resulting from the Equifax Data Breach . Pursuant to 15 USC 1681c-2 ( a ), I am entitled to have any fraudulent information blocked from my credit report. 


XXXX - Opened XX/XX/XXXX - Balance {$0.00} XXXX XXXX - Opened XXXX XXXXXXXX XXXX XXXX - Opened XX/XX/XXXX - Balance {$810.00} XXXX XXXX  - Opened XX/XX/XXXX - Balance {$1300.00} XXXX XXXX - Opened XX/XX/XXXX - Balance {$1600.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please consider this letter my official notification. I request that you take the following actions immediately : 1. Block and delete any accounts, inquiries, or other information that were established or recorded as a result of identity theft. 
XXXX. Provide written confirmation that these fraudulent items have been blocked and deleted. 
XXXX. Ensure my credit report accurately reflects only legitimate accounts and inquiries. 

Enclosed are the following documents to support my request : A copy of my government-issued ID ( e.g., drivers license ). 
Proof of address ( e.g., utility bill ). 
A signed affidavit of identity theft ( if required ) - And my Social Card.

As required by law, I expect these fraudulent items to be blocked within four business days of your receipt of this request, as outlined in 15 USC 1681c-2 ( a ) ( 2 ).

I trust that this matter will handle promptly and in compliance with federal law. 

I thank you much for your immediate attention to this urgent matter. 


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