vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 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: NY

Complaint narrative:
Subject : Dispute Related to Social Security Breach under XXXX XXXX. XXXX Dear Credit Bureau, CFPB I am writing to formally dispute inaccuracies in my Social Security account that I believe have resulted from the breach that occurred in XXXX. 

The breach has led to unauthorized access to my personal information, which is a violation of the privacy provisions outlined in XXXX XXXX. XXXX. This statute emphasizes the necessity for financial institutions and other entities to safeguard consumers private information and to notify affected individuals in the event of a breach. 

As a victim of this breach, I am requesting a thorough investigation into my account and the immediate correction of any discrepancies that may have arisen due to unauthorized access. 

Attached are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 


Account Name : XXXX XXXX Account Number : XXXX * * * Account Name : XXXXXXXX Account Number : XXXX * * * Account Name : XXXX Account Number : 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 2025-06-25 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: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX has violated my rights. 

I looked at my TransUnion XXXX  Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.

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 2025-06-25 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Between XXXX and XX/XX/year>, I made over 40 purchases using my Victorias Secret Credit Card ( issued by Comenity Bank ). Nearly all of the merchandise was returned, and per USPS tracking, those returns were delivered to Victorias Secrets warehouse in Ohio in early XXXX. However, instead of issuing refunds back to my Comenity card, Victorias Secret improperly issued over {$5000.00} in merchandise credits and gift cards, despite the clear return policy that original payment methods would be credited. 

I contacted both Victorias Secret and Comenity multiple times to resolve this. I provided USPS tracking confirming delivery of the returns and asked for a full accounting of which items Comenity believed were refunded. I was told repeatedly that Comenity could not help because the return was handled by the retailer. Meanwhile, Comenity continued to charge me interest and finance charges on balances that were supposed to be refunded not just once, but repeatedly as if no returns had ever occurred. 

Even when Victorias Secret agreed to reissue proper refunds for some items, Comenity failed to correct the corresponding charges. This left me being billed for merchandise I no longer have, interest I should not owe, and forced to navigate a loop where both companies point the finger at each other. 

Comenitys refusal to investigate these charges or even temporarily adjust the balance while the return dispute was ongoing is a direct violation of my consumer protections under the Fair Credit Billing Act. This was not a simple billing error this was an entire process breakdown that I documented thoroughly with receipts, tracking numbers, photos, and correspondence. Yet Comenity ignored all of it and upheld charges I did not rightfully owe. 

I am requesting the CFPB to review Comenitys failure to : Properly credit my account for returned merchandise Reverse finance charges and interest accrued as a result Conduct a thorough investigation despite being presented with proof of return and improper refund handling by the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: AZ

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

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 2025-06-25 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws. 

XXXX ) XXXX XXXX XXXX XXXX ( A ) ( XXXX ) XXXX ) XXXX XXXX XXXX c ( a ) ( XXXX ) XXXX ) XXXX XXXX XXXX ( FDCPA ) XXXX ) XXXX XXXX XXXX. ( C ) Please remove or delete from my critter file from all three agencies. 
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 2025-06-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Exeter Finance, LLC.
State: AZ

Complaint narrative:
I am filing a formal complaint against CarMax Auto Superstores , Inc. and XXXX XXXX due to multiple violations of federal and state consumer protection laws. 

I am a current paralegal student completing my legal training and education. Through my coursework in contract law, consumer law, and regulatory compliance, I have developed a clear understanding of my rights and the governing statutesincluding the Truth in Lending Act ( TILA ), Electronic Signatures in Global and National Commerce Act ( XXXX ), Fair Credit Reporting Act ( FCRA ), Uniform Commercial Code ( XXXX XXXX ), and the Consumer Financial Protection Act ( CFPA/UDAAP ). 

The retail installment contract issued by CarMax was non-negotiable and misleading. It included hidden finance charges, forced warranties, and lacked proper disclosures. The contract was digitally signed through a system that did not provide E-SIGN compliant disclosures, verification of access, or any metadata to authenticate my signature. 

While traveling in Arizona, the vehicle was illegally repossessed using a GPS tracker that was placed without my knowledge or consent. I never received lawful notice of default or right to cure, and this repossession was carried out through surveillance and breach of peace, which violates the XXXX and privacy statutes. 

I further want to disclose that an attorney named XXXX, who was previously awarded sanctions against me in an unrelated civil matter, has repeatedly interfered with my lawful use of the CFPB system by submitting retaliatory statements and attempting to derail my complaints using that sanction as a means to discredit my valid claims. This conduct appears frivolous and abusive of the consumer complaint process and obstructs my access to legal remedies. 

I am requesting : XXXX. Full cancellation of the retail installment contract ; XXXXCompensation equal to the fair market value of my repossessed vehicle ; XXXX. A cease-and-desist against all unlawful credit reporting or collection activity ; XXXX. Investigation into the unauthorized GPS surveillance ; XXXX Review of all conduct and communications submitted to the CFPB portal in relation to my name, including any abusive legal interference from XXXX parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-25 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: EQUIFAX, INC.
State: SC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
I was coerced into a scam, but threat of arrest. I received a call from a detective from the XXXX  XXXX Police Department, stating a complaint had been filed against me. I was threatened with charges being filed and forced to speak with a third party, who demanded {$1000.00}. I paid. Afterwards I went to the police station, where I learned the detective was not real. I immediately called my bank ( Navy Federal Credit Union ) while the charges were pending to report the fraud. The NFCU informed me that there was nothing they could do and that no investigation would be done into the fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: OH

Complaint narrative:
These Agencies are in violation of these laws, they have prevented me from moving forward on previous times applying for credit, and Ive been turned down every time due to them, not obeying the laws.

1 ) 15 USC 1681s 2 ( A ) ( 1 ) 2 ) 15 USC 1681 c ( a ) ( 5 ) 3 ) 15 USC 1692g ( FDCPA ) 4 ) 15 USC 1692. ( C ) Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove or delete from my credit file from all three agencies, Thank you - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: SC

Complaint narrative:
- I have sent written letters directly to Transunion via the postal mail service requesting a written response to be mailed to my current address listed above within XXXX  days of receiving my correspondence, instead I received emails. 

- I have also requested for all listed addresses be removed as they do not pertain to me at all including addresses I have never been associated with. 

- I have written letters with proof of inaccurate information highlighted on my credit report and have asked for the debt to list accurate information or to remove the listed items immediately. Some information on my credit report with Transunion has changed but still reports are inaccurate. These same creditors show different information on all major credit reports, such as XXXX, Transunion and XXXX currently. 

-All letters that have been sent included a copy of my driver license, a copy of my Social Security Card along with a current utility bill in my name with my updated address and still received stall letters requesting me to prove my identity without fully investigating all of the inaccurate information on my credit report. 

I initially contacted Transunion regarding these inaccuracies on XX/XX/year>, XX/XX/year> and again on XX/XX/year> and followed up multiple times through both letters and phone calls. Despite my efforts, these errors remain unresolved, and the incorrect information continues to appear on my credit report. 

I have enclosed copies of my previous correspondence with Transunion and my credit report showing the continued errors, for your reference. The failure of Transunion to correct this issue in a timely manner not only violates my consumer rights but also continues to damage my creditworthiness unjustly.

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 2025-06-25 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against MIDLAND CREDIT MANAGEMEN regarding an account I have with them XXXX * * * * XXXX * * *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX * * * * Balance : {$760.00} MIDLAND CRED ( Original Creditor : XXXX XXXX XXXX ) XXXX * * * Balance : {$1200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with MIDLAND CREDIT MANAGEMEN buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 of 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 non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-06-25 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: CA

Complaint narrative:
I am writing to formally request a detailed description of the procedures your agency used to verify the accuracy and completeness of the information currently under dispute, as required by 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this provision, I have the right to receive a complete explanation of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted regarding the disputed item. 

Please ensure this information is provided within 15 days of receiving this request, in accordance with your obligations under federal law.

Company response to consumer: Closed with non-monetary relief