vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
This is a formal REQUEST FOR REINVESTIGATION to EXPERIAN regarding inaccurate and unlawful reporting of several accounts on my credit profile. As stipulated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are obligated to ensure that all consumer information is accurate, complete, and not misleading, and to conduct a reasonable investigation when a dispute is filed. Additionally, as consumer reporting agencies that receive and report data, you are required to comply with XXXX XXXX, the industry standard set by the XXXX XXXX XXXX XXXX ( XXXX ) for credit data reporting. 

The following account does not meet the required FCRA and XXXX XXXX guidelines and must be corrected or removed immediately : DISPUTED ACCOUNT : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} XXXX XXXX Violation : Non-compliance with Segment Code guidelines. There is no account history, no date of last payment, and insufficient data integrity. This account has never been late ; therefore, the late payment entry for XX/XX/XXXX must be removed. 

This reporting error is damaging and misleading, and violates the following regulations : FCRA XXXX ( b ) Failure to maintain reasonable procedures to ensure accuracy FCRA XXXX Failure to investigate and correct disputed information FCRA XXXX ( b ) Failure of furnishers to correct and update information XXXX XXXX XXXX Improper reporting of charge-offs, delinquencies, future-dated events, and non-compliant codes and time blocks You are legally required to complete a reinvestigation within XXXX days of receiving this dispute and either provide verified proof from the original creditor or remove the account from my file entirely. If your investigation fails to correct or delete this item, and you continue to report this erroneous information, you will be held liable for willful or negligent noncompliance under FCRA XXXX and XXXX, which may result in actual, statutory, and punitive damages, as well as attorney 's fees.

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 2025-12-01 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XX/XX/year>, I discovered and reported an unauthorized charge for {$4000.00} on my XXXX XXXX credit card issued by Comenity Bank ( account ending in XXXX ). I did not authorize this transaction and I notified the issuer immediately. Comenity opened a fraud claim and issued a provisional credit. In a letter dated XX/XX/year>, the bank stated I was not responsible for the disputed fraud transaction ( XXXX ). 

After that, the bank stopped communicating. I received no investigation results, no explanation, and no evidence. Recently, on or about XX/XX/year>, I checked my account and saw that Comenity had removed the fraud credit and re-billed me the full {$4000.00} as a charge to XXXX XXXX XXXX, with no advance notice, no written explanation, and no proof that I ever authorized the transaction. 

This appears to violate the Fair Credit Billing Act and Regulation XXXX  because the bank reversed a provisional credit and re-billed the disputed amount without providing a written decision, without sharing any evidence, and without conducting a transparent and reasonable investigation. It also contradicts the cards advertised XXXX XXXX protection for fraudulent transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: GA

Complaint narrative:
causing my credit to be denied by creditors due to the false reporting of information on my 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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: WY

Complaint narrative:
XXXX formal complaint because Cash App ( Block, Inc. ) has issued a Form XXXX under my name and Taxpayer Identification Number ( TIN ) for the tax year XXXX. The account and business activity reported on this form during the Month of XXXX XXXX-XXXX  XXXX are not mine and the transactions listed are fraudulent. I can not verify the legitimacy of the transactions as they do not belong to any entity or activity associated with me. This constitutes incorrect IRS reporting and represents a severe case of potential identity theft and tax fraud I have repeatedly attempted to resolve this serious issue through XXXX XXXX official support channels and their escalated email address ( XXXX ) over the past XXXX  months Despite communicating that this is fraud, I have received only irrelevant, generic template responses that fail to address the tax filing or the potential fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
I am writing to formally dispute the following items on my Equifax credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to request that these items be investigated, verified, and corrected or removed if they can not be verified. 

XXXX. Disputed Charged-Off Account XXXX  XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$5700.00} XXXX dispute this account as it appears on my credit report. I request verification of this account, including documentation proving that I am responsible for this debt. I believe this account may be inaccurately reported. 

XXXX. Disputed Unauthorized Collection Account Account # : XXXX, Date : XX/XX/XXXX, Balance : {$310.00} I did not authorize this collection account. I request that Equifax investigate this account and remove it if it can not be verified or if it is found to be fraudulent. 

XXXX. Disputed Inquiries ( Unauthorized Credit Pulls ) XXXX, XX/XX/XXXX XXXX CARD, XX/XX/XXXX I did not authorize these credit inquiries. I request that Equifax investigate these inquiries and remove any that were made without my consent. 

Please provide written confirmation once your investigation is complete and advise me of the results. I appreciate your prompt attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
I attended an online bootcamp : XXXX XXXX, I signed an XXXX XXXX XXXX to repay the loan to this private lender called XXXX XXXX. A few months later after completing my program, I graduated and started applying for jobs, easier said than done to get an entry level Software Development role in this economy, I applied for hundreds of jobs, send the company proof of my applications, I had my payments deferred until XX/XX/year>. I wasnt able to find a job in this field, I understand Im still responsible for repaying the debt, but I have to pay my bills somehow, I got a job but I dont make more than XXXX a year. The XXXX XXXX XXXX requieres me to make payments if I meet this amount. In XXXX of this year 2025, XXXX XXXX contacted me to start with the payments, where supposedly their investigation source reported I was making more than XXXX, even though my payments were deferred until XX/XX/year>, I sent my income statements as proof that Im not making the minimum income Im order to repay the XXXX XXXX XXXX. I do recognize I couldnt not send the paystubs for XXXX month because I was in the process of enlisting to the military, unfortunately I wasnt not able to enlist this year. I kept communicating with the lender letting them know I wasnt meeting the require income, they started reporting late payments towards my account in all credit bureaus. I tried to hire a lawyer but I cant afford it. How am I supposed to make payments if I dont meet the minimum salary? 
Note I was married and using another last name by the time I signed the contract. I restored my last name from XXXX XXXX to XXXX XXXX ( XXXX name )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I attended an online bootcamp : XXXX XXXX, I signed an XXXX XXXX XXXX to repay the loan to this private lender called XXXX XXXX. A few months later after completing my program, I graduated and started applying for jobs, easier said than done to get an entry level Software Development role in this economy, I applied for hundreds of jobs, send the company proof of my applications, I had my payments deferred until XX/XX/year>. I wasnt able to find a job in this field, I understand Im still responsible for repaying the debt, but I have to pay my bills somehow, I got a job but I dont make more than XXXX a year. The XXXX XXXX XXXX requieres me to make payments if I meet this amount. In XXXX of this year 2025, XXXX XXXX  contacted me to start with the payments, where supposedly their investigation source reported I was making more than XXXX, even though my payments were deferred until XX/XX/year>, I sent my income statements as proof that Im not making the minimum income Im order to repay the Income XXXX XXXX I do recognize I couldnt not send the paystubs for XXXX month because I was in the process of enlisting to the military, unfortunately I wasnt not able to enlist this year. I kept communicating with the lender letting them know I wasnt meeting the require income, they started reporting late payments towards my account in all credit bureaus. I tried to hire a lawyer but I cant afford it. How am I supposed to make payments if I dont meet the minimum salary? 
Note I was married and using another last name by the time I signed the contract. I restored my last name from XXXX XXXX to XXXX XXXX ( XXXX name )

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 2025-12-01 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: NY

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 ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION XXXX RIGHT TO PRIVACY ( XXXX U.S.C. XXXX ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION XXXX ( a ) ( XXXX ) NO WRITTEN AUTHORIZATION GIVEN ( XXXX U.S.C. XXXX ) Pursuant to XXXX U.S.C. XXXX ( a ) ( XXXX ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION XXXX IMPROPER LATE PAYMENT DESIGNATION ( XXXX U.S.C. XXXX ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under XXXX U.S.C. 
XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
This is to add to my first complaint. The lady told me I had until Wednesday the XXXX to pay the {$590.00} since they was closed on XXXX and I promised her I will pay it and I had the money and still do but my car was gone on the XXXX I could not get to work they even sent a paper to my house saying the promise to pay. I called the ally finance and talked to a manager and she said she was going to contest the repo and they still didnt let my car go. I have the {$590.00} still i actually have {$1000.00} I can pay them today but they asking for {$3900.00} do they know how hard it is to even get {$1000.00} these days with all thats going on and then they shouldve honored what was told to me.the calls are recorded they shouldve honored listen to my call in the XXXXXXXX XXXX XXXXXXXX with the girl telling me my car will be ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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:
I am disputing the following items on my Experian credit report because they may contain inaccurate or unverifiable information. I request that Experian conduct a full investigation to ensure the accuracy of these accounts. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, XXXX XXXX, XXXX, XX/XX/XXXX, XXXX Please verify the details of these charged-off accounts, including balances, dates, and reporting accuracy. 

XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Please verify the purpose of this inquiry or remove it if unauthorized.

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 2025-12-01 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: NY

Complaint narrative:
I am writing to dispute the following items on my credit report. These items are either inaccurate, incomplete, or need further investigation. Please find the details of the disputed items separated by credit bureau below. 

Inquiries : 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 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
I made a {$5000.00} down payment with a loan that was supposedly {$15000.00} the same as the car. It went from {$15000.00} to XXXX dollars. Ive been making payments of {$460.00} and theyre still saying I owe {$17000.00}. Ive had this car since XXXX XXXX. I started making payments XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
From XX/XX/XXXX to XX/XX/XXXX, roughly {$68000.00} was fraudulently withdrawn via ACH from my bank account. I contacted Chase, filed police reports and did all the necessary paperwork with Chase. For the latter half of this year, I have been working with Chase to resolve a fraud event that occurred on my account between XX/XX/XXXX and XX/XX/XXXX. Initially, Chase was reluctant to review my case or conduct a thorough investigation. However, after some time, they assisted in recovering more than half of the fraudulent amount. 
My account was used fraudulently and erroneously. The transactions in question are significantly outside my normal spending patterns for this account, and I was never notified that this account had been added to various bill pay services. Despite the progress made, several transactions have been repeatedly denied for reimbursement throughout the investigation. I have listed these transactions below. 
Given that Chase has already confirmed fraud on other transactions tied to this account, I am requesting that Chase conduct a full investigation into the remaining disputed transactions and provide a disclosure letter mailed to my address outlining the results upon completion. 
Disputed Transactions : XX/XX/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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-12-01 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: OK

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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