vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 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: NY

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 4 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 FTC Identity Theft Criminal Complaint FTC Report Number : 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. 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ASSOCIATED BANC-CORP
State: FL

Complaint narrative:
This complaint is an extension of CFPB Case # XXXX. For details such as dates, amounts and actions, please see prior case. 

I appreciate Associated Bank 's prompt response to my prior CFPB complaint above. However, I respectfully do not recognize the validity of their claim that I am ineligible for the bonus and further assert that the banks actions are prohibited under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) regulation. 

The single sentence excerpt of the promotion terms quoted by Associated Banks representative which serves as the basis of their argument is as follows : Offer limited to one per customer and can not be combined with other specials or offers. 

However, within the same paragraph of this except, the terms states : Offer not available to customers who have received a new business checking account monetary bonus within the last 24 months and have or have had an Associated Bank business checking account within the last 12 months. 

These terms were omitted in Associated Banks response. The context and specificity of the exclusionary terms within this paragraph direct attention to potential ineligibility for prior business checking account customers only. 

Customers who have received a new personal checking account monetary bonuses within the last 24 months were not mentioned at all. The paragraph only identifies and emphasizes potential business checking account customer ineligibility. 

I assert that Associated Banks actions are prohibited under the Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) established by the XXXX  Dodd-Frank Act.

The Federal Consumer Financial Protection Guide for Compliance Management regarding the UDAAP states : It is necessary to evaluate an individual statement, representation, or omission not in isolation, but rather in the context of the entire advertisement, transaction, or course of dealing, to determine whether the overall net impression is misleading or deceptive. 

The entire promotions landing page and the separate promotion terms strictly focus on business checking account customers. In fact, there is no mention of personal checking account customers to be found both within the entirely of the promotions landing page and the promotion terms both of which I have uploaded again as part of this complaint. 

The except of the terms quoted by Associated Banks representative was applied outside of the context of the entire advertisement ( i.e. promotion landing page. ) I assert this is in violation of the UDAAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: TN

Complaint narrative:
On XX/XX/scrub>XXXX XXXX XXXX  I got charged for {$65.00} for something I didnt subscribe to or order. I have proof of this as well. I then began calling my card company to dispute the charge. Someone would answer, after I went through the prompts and chose the correct department, then put me on hold to transfer me. I would be placed on hold for 45 minutes to an hour every time I called. I called throughout XXXX into XXXX getting the exact same outcome. I last called on XX/XX/year>, and I explained what had been happening and asked for a supervisor. I was placed on hold again for 46 minutes to an hour. I am frustrated to say the least. I believe this is terrible customer service. Especially, for a company that handles peoples money. I would like for this to be taken care of as soon as possible, or I will move to another card company. I might also note that I had tried to dispute other transactions before and got so upset I just gave up. I should never be made to feel this way as a loyal customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-22 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-22 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: DE

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was charged {$1300.00} for an XXXX I bought on XXXX, the seller claimed its a new phone, unopened and compatible with XXXX XXXXXXXX XXXX When I received the phone and tried to finally activate the phone, I come to find out the phone is not functional, it seems to be fraud, when I contacted XXXX they said its locked to some cellular service in XXXX XXXX, then I contacted XXXX, and they said they can not help me because its locked to XXXX XXXX!, then I tried with XXXX endlessly for help in this matter, the seller ignored me and since has closed their XXXX account/store, then I contact their 100 % money back guarantee service they have through ALL state and that was a huge waste of time, they kept changing my claim and rewording it and making it seem my fault. Through XXXX then eventually PayPal Credit card, it went in circles for months. Today I find out they have denied the dispute and keeping asking for more information. I am not sure what else they want to need, I sent them, receipts, I send them images of the item, emails copies and they just keep asking for more items. 

I have attached copy of statement, I do not have my full card number with me. 

XXXX XXXX for {$1300.00}

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 2025-09-22 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 had seen a XXXX XXXX XXXX car being sold on XXXX XXXX  for {$800.00} on XX/XX/year>. I contacted the seller on messenger about my interest in purchasing the vehicle. We agreed to meet in person and create a contract on the sale of the vehicle. The contract stated I would pay a {$200.00} deposit on XX/XX/year>XXXX  and then I'd pay the remaining balance of {$600.00} on XX/XX/year>. Upon full payment on XX/XX/year>XXXX  In return the seller would give me the car, car title, and keys on XX/XX/year>. Upon creation of the contract We took pictures of each others IDs and the title and exchanged phone numbers. I paid the {$200.00} deposit to the seller as agreed on XX/XX/year> and we went our separate ways. On XX/XX/scrub>XXXX  I notified the seller I was ready to pay the remaining balance as agreed in the contract, the seller told me to send over the payment and they'd have the car delivered as we agreed in the contract. I sent the {$600.00} on XX/XX/scrub>XXXX The seller also then informed me with the {$200.00} deposit I made that they had fixed the fuel injector that was needed for the car to run as should, and asked if I could split the price with them which would be {$100.00}, I agreed and sent {$100.00} extra on XX/XX/year>. After receiving {$900.00} in total from me the seller became very unresponsive and when they did respond kept giving different times the car would be delivered on XX/XX/year>, which the seller never followed through with as contracted. I called over 50+ times and sent over 40 text messages asking for a refund since the terms of the contract weren't met and the seller completely ghosted me. I immediately disputed the charges with cash app since I did not receive the product I paid for from the seller, but I've been getting the runaround from the company even though I have all the proof that the seller never held their end of the contract of sale. Ive reported the seller to the police and IC3 since I have their identification card, contract, and all of our correspondence in messenger and text messages. All cash app has done is suspend the sellers cash app account. I just want a refund for not receiving the service I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: NRA Group, LLC
State: FL

Complaint narrative:
I reached out to National recovery Agency ID to advise that I did not owe this debt in the amount of {$1400.00}. XXXX my insurance at this time had already paid the original provider XXXX XXXX XXXX XXXXXXXX. The original provider sold the debt to a collections agency even though they had been paid. When I offered to get documentation from the insurance they refused it. I also had my insurance to reach out to the original provider to remove this as my benefits covered all the services related to XX/XX/scrub>XXXX I have tried to dispute this with all of the credit bureaus, and they also refuse to remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Automated Collection Services, Inc.
State: FL

Complaint narrative:
On XX/XX/year> my daughter was hospitalized at XXXX XXXX XXXX she have XXXX  XXXX since XX/XX/year> shes covered by XXXX XXXX now I have a balance of {$4400.00} this needs to be addressed the hospital have the information about the insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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:
I am writing to have the following information removed from my credit file. The items that I need deleted are going to be attached in a word document. I am a victim of identity theft I have multiple accounts and inquiries that I did not apply for listed on my credit report. I asked that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the federal trade commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible please block this information for my credit report, pursuant to section 605B of the fair credit reporting act

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 2025-09-22 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: Early Warning Services, LLC
State: GA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. MY INBOUND AND OUTBOUND MAIL HAVE BEEN STOLEN FROM MY MAILBOX SEVERAL TIMES. UNAUTHORIZED INQUIRIES WERE MADE TO MY CREDIT PROFILE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: VT

Complaint narrative:
LVNV is reporting past due accounts on my credit profile. They are a collection agency that I did not agree to pay any payments to. They are reporting closed accounts on XXXX  but past due accounts for XXXX  and XXXX. This is inaccurate reporting on a consumers credit report. On top of that Ive asked for an original purchase agreement showing any obligations that never was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TX

Complaint narrative:
I am writing to formally dispute several inquiries on my credit report that I did not authorize. Upon reviewing my report, I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. 

I have submitted dispute requests and provided supporting documentation, yet these inquiries remain on my report without resolution. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this, the issue persists. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate or fraudulent. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-09-22 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: TX

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved. 

These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

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 2025-09-22 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: TX

Complaint narrative:
I dispute certain items tied to accounts not initiated by me. Kindly perform a meticulous review and remove them from my report. Supporting materials are included.

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 2025-09-22 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: GA

Complaint narrative:
I am writing to formally dispute a collection you claim is owed to XXXX in the amount of {$5700.00}. 

I did not personally guarantee this account. 

This was a business account under XXXX XXXX, a XXXX XXXX XXXX ( XXXX ), which has since been legally dissolved and is no longer operational. I have attached the official dissolution notice from the XXXX XXXXXXXX of XXXX for your records. 

As an XXXX, I am not personally responsible for the companys debts. 

No account number or specific identifying information has been provided, making this alleged debt unverifiable. 

I spoke with XXXX XXXX in XX/XX/year> and informed them that the name on the account is incorrect and that the account belonged to XXXX XXXX, a dissolved company that is no longer operational. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to ensure that all information on my credit report is accurate and verifiable. Because this alleged debt is inaccurate and unverified, I demand that you : Cease all collection reporting immediately. 

Remove this account and the {$5700.00} debt from my credit report immediately. 

Provide written confirmation of removal within 10 business days.

Failure to comply will be considered a violation of federal law and may result in complaints to the Consumer Financial Protection Bureau ( CFPB ) and my state attorney general. 

I expect written confirmation that this account and debt have been removed from my credit 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 2025-09-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: DE

Complaint narrative:
My original loan was for {$5000.00}. I have paid over {$3000.00} on the principal and they are showing my principal balance to be {$4400.00}. They are charging me extra interest on top of the {$6000.00} in interest I have already paid. This error a payment allocation most likely took player when the loan was managed with XXXX. Mohela has not been helpful, rather rude and unprofessional. I have paid over {$9000.00} on this loan. I want my money back immediately or they need to have my principal balance corrected, they are charging interest on an incorrect balance. The screenshot is on my account on their site. Showing whats been paid

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple inaccurate and/or unauthorized entries that have materially harmed 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 non-monetary relief