vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: I.C. System, Inc.
State: FL

Complaint narrative:
This company obtained a balance that was owed from another company. 4-5 years ago and reported it on my credit again and lower my credit again for the 2nd time. This organization lower my credit sufficiently. I did not have no business with this company that is reporting to my credit and I dont know how they obtained it I am requesting it to be removed from my credit and no more or any future reporting or I will take legal action for fraudulent identity theft, because this company obtained my personal information and its causing me harm for live my life. There not the original organization I did business with and I dont want dealing with this company.

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 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Block, Inc.
State: TX

Complaint narrative:
I was informed by Cash app the merchant name. Bitcoin.The reason for this dispute is because I did not authorize. I did not give anyone permission to go into my account to take anything. The date of this transaction was XX/XX/year> and it was for different amount. {$150.00}. {$360.00}. {$630.00} the date of this dispute was XX/XX/XXXX of 2025 also been receiving emails from you guys pertaining into my disputes. This is my fourth one disputing because yall keep continuously to deny the other ones. I spoke to customer service rep. Yesterday and she informed me she doesnt see a dispute for these how do I properly dispute these charges then?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: GA

Complaint narrative:
This letter serves as a formal notice regarding my consumer rights and the handling of my personal information under the Fair Credit Reporting Act ( FCRA ) and related federal privacy laws. 

According to 15 U.S.C. 1681, Section 602 ( a ), Congress recognized that consumer reporting agencies carry a serious obligation to handle information about individuals with fairness, impartiality, and respect for privacy. As a consumer, I am asserting my right to ensure that my personal data is handled in accordance with federal law.

Under 15 U.S.C. 6801, financial institutions and those who furnish information to credit reporting agencies have an ongoing responsibility to protect customers private, nonpublic information. This means they are required to maintain the confidentiality and security of that data at all times.

Additionally, 15 U.S.C. 1681b ( a ) ( 2 ) clearly states that a consumer reporting agency XXXX only release a report when it is done so with the written authorization of the consumer involved. I have not given, nor do I give now, any written consent to Equifax, Experian, or any financial institution ( the furnisher of information ) to share or report my personal or financial data. 

Any and all forms of consentwhether verbal, implied, or writtenare hereby revoked effective immediately. 

Furthermore, XXXX XXXX. XXXX ( b ) ( c ) requires that before any nonpublic personal information is disclosed to third parties, consumers must be notified of their right to opt out of such disclosures. I was not provided this option by any furnisher of information connected to these credit reporting agencies. 

It should also be noted that 15 U.S.C. 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information older than seven years in a report, unless otherwise specified by law. Reporting such information without my consent violates these federal protections.

Per 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ), no entity may furnish inaccurate or unverifiable information to a consumer reporting agency. In addition, 15 U.S.C. 1681e requires all consumer reporting agencies to implement reasonable procedures to prevent such violations. I have reason to believe that both Equifax and Experian are not upholding this standard. 

Lastly, XXXX C.F.R. XXXX affirms that a consumer XXXX opt out of data sharing at any time. This letter is my formal exercise of that right. I am opting out of all data reporting, sharing, or disclosure of my nonpublic personal information. 

I expect written confirmation that you have received this notice and that all unauthorized reporting activity concerning my information will cease immediately. 

Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: JFQ Lending, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, I, acting as Attorney-in-Fact for XXXX XXXX XXXX under XXXX XXXX XXXX Limited Power of Attorney, filed CFPB Complaint No. XXXX concerning loan XXXX, which allegedly originated by JFQ Lending , LLC and XXXX serviced by XXXX XXXX XXXX XXXX XXXX. That complaint, supported by sworn submissions to the Securities and Exchange Commission ( SEC XXXX XXXX ), the Commodity Futures Trading Commission XXXX CFTC XXXX XXXX ), and the Maryland XXXX XXXX XXXX Attorney General, documented systemic fraud by Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and their affiliates, arising from the void XXXX Analytic Products and Services Master Contract. 

Under Georgia XXXX XXXX XXXX XXXX and XXXX, a dissolved or non-existent corporation can not lawfully contract. Because Equifax had ceased to exist as a lawful entity at the time of the XXXX agreement, the contract was XXXX XXXX XXXX. The XXXX scoring model built upon itand all instruments derived from that modellack lawful foundation. Consequently, the XXXX mortgage originated by JFQ Lending , LLC rests XXXX a void instrument, as FHA underwriting XXXX ( TOTAL Scorecard and DU/LP ) XXXX XXXX XXXX FICO-based metrics. 

By originating and selling a loan priced and approved through that unlawful scoring infrastructure, XXXX XXXX participated in the creation and sale of a defective financial instrument, constituting deceptive and fraudulent conduct under 15 U.S.C. 78j ( b ) and SEC XXXX XXXX. Carringtons subsequent servicing of the same void instrument merely perpetuates that illegality. 

The documents supporting this filing are lawful, verified, and sworn under penalty of perjury pursuant to the Fair Credit Reporting Act, the Identity Theft and Assumption Deterrence Act ( 18 U.S.C. 1028 et seq. ), and applicable Maryland law. JFQ Lendings continued failure to correct, verify, or repudiate the fraudulent foundation of the loan, after receiving actual and constructive notice, constitutes knowing participation in identity misuse and securities fraud. 

Accordingly, XXXX XXXX is directed to preserve, without alteration, all records, communications, metadata, underwriting documentation, credit scoring data, and chain-of-custody materials relating to the origination of this loan and any subsequent transfers or servicing arrangements.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute multiple unauthorized inquiries that have appeared on my credit report. These inquiries were made by companies without my consent or authorization and have directly harmed both my credit and XXXX XXXX. 

I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. However, they remain on my report. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries is highly concerning and XXXX indicate possible identity theft. This ongoing issue has caused me significant emotional and financial distress.

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 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES XXXX XXXX XXXX  XX/XX/year> 2025

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 2025-10-23 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: TN

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : XXXX of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: CL Holdings LLC
State: MI

Complaint narrative:
Dear Jefferson Capital Systems XXXX, I am writing to dispute the validity of the debt referenced above. I do not believe that this debt belongs to me. Please provide verification of the debt as required under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am submitting this complaint with urgency. My credit report contains multiple accounts that are inaccurate and have not been corrected despite my prior disputes. These persistent errors are causing measurable harm to my creditworthiness and creating significant stress and financial hardship. This is not a minor oversight and requires immediate, serious attention.

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 2025-10-23 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: MA

Complaint narrative:
in accordance with the fair credit reporting act convergent account # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-10-23 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: GA

Complaint narrative:
I am filing this complaint because there are collection accounts being reported on my credit report that are inaccurate and/or do not belong to me. These accounts are negatively impacting my credit profile and have not been properly verified by the reporting collection agencies or the credit bureaus. The collection accounts in question are XXXX XXXX XXXX {$11000.00} ) ( XX/XX/25 )XXXX XXXX XXXX ( {$10000.00} ) ( XX/XX/25 ), XXXX  - ( {$7400.00} ) ( XX/XX/25 ), XXXX XXXX ( {$6400.00} ) ( XX/XX/25 ), XXXX  - ( {$430.00} ) ( XX/XX/25 ). I have previously attempted to dispute these collection accounts and requested validation, but the companies have failed to provide sufficient documentation proving that the debts are valid or that I am legally responsible for them. Despite my requests, these accounts continue to be reported, which is a violation of my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting that the CFPB assist in investigating these matters and ensure that the companies involved to remove the accounts from my credit report entirely.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am a student at the University XXXX XXXX. In recent weeks, I was the victim of a financial fraud in which an individual posing as a squeegee worker coerced me into a XXXX mobile transaction, resulting in the theft of my entire checking account balance. 

I have filed a report with my bank and contacted the universitys financial aid office, both had denied conpensation, and I am now seeking legal guidance to protect my rights and recover my funds. 

Given that I am also on the XXXX spectrum, I believe I was targeted due to my vulnerability, and I want to ensure proper representation moving forward. 

Please let me know what documentation you need from me to evaluate this case or refer me to an appropriate attorney. 

Thank you for your time and support.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridge IT, Inc.
State: TX

Complaint narrative:
My XXXX XXXX Account ( # XXXX ) appears inaccurately on all three reports I obtained on XXXX XXXX XXXX. 

Experian and TransUnion both show XXXX XXXX late payments, but no documentation supports those claims. 

I made consistent payments directly through my checking account and never received notice of delinquency. 

The balance of {$270.00} and Paid as Agreed status are inconsistent with the late-payment history being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AL

Complaint narrative:
The following accounts are fraudulent and these are not authorized. 
XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : 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
Consumer complaint received 2025-10-23 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: AL

Complaint narrative:
The following accounts are fraudulent and these are not authorized. 
XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
I purchased a GAP protection product through the dealership when financing my vehicle with XXXX XXXX XXXX XXXX ( XXXX ). After my car was declared a total loss in XX/XX/year>, I filed a GAP claim with XXXX XXXX. 

XXXX and XXXX Administrators have repeatedly sent me back and forth for required documents. XXXX applied a {$1000.00} refund to my account but has not provided the written refund statement that XXXX Administrators requires to close the claim. The dealership states they do not have this document, but XXXX  records clearly show the refund. 

The ongoing delay between XXXX, XXXX Administrators, and the dealership has left my account open, accruing interest and damaging my credit. I am a full-time college student who recently lost my job and have no income or financial benefits. This situation has become overwhelming and is taking a serious toll on my mental health. 

I am requesting that XXXX ( XXXX ) issue the written refund/unearned balance statement directly to me and XXXX Administrators, ( XXXX ) suspend collections and credit reporting until the GAP claim is finalized, and ( XXXX ) consider waiving any accrued interest or fees caused by these administrative delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: AL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XX/XX/XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/year> XXXX OF XXXX - XX/XX/year> 1970

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