vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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: IN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-19 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: CA

Complaint narrative:
I challenge the correctness of entries linked to unauthorized accounts on my report. Kindly conduct a rigorous review and remove them. Supporting documentation is included.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/year>, I contacted Forever 21 customer service and spoke with a representative named XXXX at XXXX XXXX. During this call, I explained that I had been hospitalized and therefore missed a payment deadline. XXXX assured me that the late fee would be waived in full as long as I made the full payment within XXXX. As agreed, I paid {$28.00} which was received by Forever 21 on XX/XX/year> with an attached certified letter stating what was agreed upon so their was no confusion, To my surprise, my XXXX statement showed the balance had doubled, despite my compliance with the terms discussed. No follow up correspondence from Forever 21 to at least acknowledge my letter. But they had no issues with cashing the check. I called customer service again and spoke with a supervisor who acknowledged the situation but stated only {$15.00} could be credited, which did not resolve the issue because now my statement has doubled. 
Following that, I made multiple calls, sent several lettersincluding certified mailand received no resolution or substantive response. I eventually had to escalate the matter to legal counsel and the Office of the Attorney General. 
To date, I have been misled by a representative, ignored by customer service, and never informed in writing or on the website that my correspondence should be directed to Comenity Capital Bank. I only learned this after multiple phone calls to confirm where to send formal communications. Which then I had to contact my attorney and the attorney general office to relay the information I received. Because they also found misleading information on your website and statement. 
Let me be clear : I paid the full payment with the understanding that your representative would waive the late fee in full. I have never been late and have paid my payments on time. At no point was I told that only a {$15.00} credit would be issued until it was to late and my bill now had tripled. Had that been communicated to me, I would have paid the difference immediately to ensure the balance was XXXX and avoid any further fees. 
Now, due to this miscommunication by your customer service team, I am being charged a substantial and unreasonable amount in late fees and interest. This situation is both frustrating and unfair, as I acted in good faith based on the information I was provided. 
I respectfully request that the additional late fees and interest be waived and that my account be corrected to reflect this. Close the account permanently because I no longer want to further do business with forever 21. 
Please review the call or chat history with your representative to confirm this agreement and take appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, my business processed an ACH payment for {$6000.00} through Square. When I first experienced issues with this payment, I reached out to Square multiple times with no response. The only time Square ever replied was after I filed my first XXXX  complaint, at which point a representative emailed me. Their sole resolution was to instruct me to have my customer request a chargeback from his bank. This response was not only unhelpful but also factually incorrect, as ACH transactions can not be reversed by a customer-initiated chargeback.

After that initial message, all of my subsequent efforts to contact Square have been ignored. I have sent dozens of emails and made repeated phone calls to the same representative, each time leaving my number and requesting a call back. None of these follow-up attempts have been acknowledged. I have received no communication whatsoever since their first response to my XXXX  complaint. 

This has left me in an impossible situation with my customer, who is frustrated that their payment is tied up. Because Square refuses to engage, my customer now blames my business for the problem, which has caused severe damage to my reputation and credibility. As a small business owner, trust is critical, and Squares refusal to act has created significant financial stress, reputational harm, and operational disruption. 

It is unacceptable for Square to : Ignore communication until a regulator ( XXXX  ) forces a reply. 

Provide a solution that is impossible under ACH rules.

Then go silent again, refusing to engage further.

Requested Resolution : Square should immediately release or refund the {$6000.00} from the XX/XX/XXXX ACH payment, or provide a legitimate, documented reason why they are withholding the funds. I also request regulatory review of Squares ACH handling practices, as their current approach misleads consumers and harms small businesses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Subject : Immediate Action Required To Whom It May Concern, The letter I submitted, reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not been addressed. No action has been taken, and no response has been provided. This disregard for submitted documentation is unacceptable. I expect immediate acknowledgment and a clear plan of action regarding the matter outlined in my original letter. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
I am disputing the fraudulent accounts that have been reported under my name. I did not authorize these accounts, nor have I ever had any connection to them. Their presence is entirely inaccurate and misrepresents my financial history, causing unjustified harm to my credit standing and credibility.

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 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: MO

Complaint narrative:
The company IQ Data International is using a spoof number to make themselves look like a local collector. They are using the number XXXX. They are actually located in XXXX  DC and are using a fake local number to get an answer, and thereby obtain information from me, this is inherently deceptive. 

FDCPA 807-10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

When I directed the caller to this section of the FDCPA, she claimed what they are doing is not misrepresentation, and therefore illegal. 

Based upon our call at XXXX XX/XX/year>. They also claimed that the debt was due to " damages '', accusing me of leaving the bathroom in a " soiled '' state. This was neither accurate, nor the apparent reason for the debt. Based upon the amount originally claimed, the reason was an unpaid rent issue. Another use of false information used to coerce resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
My wife and I have been " working '' with Penny Mac for over a month on a cash out refinance. We paid the {$250.00} application fee, submitted all documentation requested, and then was told that the application was being held up due to a dispute on my credit report. We contacted the debt collection office ( XXXX XXXX ) and was informed that the dispute had been removed as I had been making payments for six months. We also contacted the three major credit bureaus and was informed ( and sent an email as proof ) that the dispute had been removed. We even contacted the credit company they use ( XXXX XXXX XXXX XXXX ), and was told by a representative named XXXX that there was no dispute on my report. We have had no contact from our loan processor XXXX XXXX, at all. He does not respond to emails, text messages, or voicemails. XXXX ( our other processor ) has been trying for two weeks to get him to contact us and even he couldnt get a response. We have not been helped, or even made aware of what needs to be done to move forward. Even today, my wife called to get an update and we were told that our application was being canelled ; however our loan processer XXXX was not available, nor was his suporvisor XXXX XXXX to speak directly with us. We would like to have our application fee of {$250.00} refunded, and this company investigated. This entire process has been a mess, lack of communication and telling us information only after we call and ask for it. My credit report does not have a dispute, I sent them the proof, and yet they are still saying that it does. This is the SECOND time they have tricked us out of a refinance. We are a one income home, my wife is a homemaker who takes care of her elderly mother who lives with us. We can not afford to be toyed with by this or any other financial institution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
I reported that car stolen and I told them to close my account and they said they did all that and all that and all that is XXXX XXXX XXXX XXXX  and now I just got paper served that they taking me to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: ID

Complaint narrative:
Cash app continues to once again hold my authorization which merchant has released and provided proof of they list it as a refund when it was a authorization it is already available in my account but unavailable to spend

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I need to appeal this case XXXX if not im going to have to open a small claims case. The XXXX XXXX not inside the package i dont know if the item was even put there in the first place. I did open a case with XXXX XXXX but they told me to contact XXXX  first which i did but they didnt want to coraporate with me. What am i supposed to do now???

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 monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year> I made my first deposit of {$25.00} into a newly opened American Express XXXX XXXX XXXX Account, another {$1100.00} on XX/XX/XXXX, and {$500.00} on XX/XX/XXXX. XX/XX/XXXX I used the the account to pay directly for my last months rent at one complex ( {$220.00} at XXXXXXXX XXXX XXXXXXXX ) and my first months rent at another complex ( {$770.00} at XXXX ). After paying those bills successfully American Express instructed me to contact them on XX/XX/XXXX. I was instructed that I needed to have my account verified and needed to get notarized. An appointment was set up with XXXX on XX/XX/XXXX. 

When I attended the meeting with the notary the service was unable to generate security questions for me to verify my identity and so I was rescheduled for the next day. The result was the same and I was instructed that there was nothing else they could do, so the request was sent back to American Express. 

On XX/XX/XXXX, I contact American Express about the matter and they inform me that they had not received any information from XXXX and so I am instructed to reach out to them. When I contact XXXX  I am informed that they had forwarded the information to American Express and that I should contact them. When I go back to American Express they inform me that they are yet to receive anything. When I reach out to XXXX they inform me that they have sent it and that they can not help me with anything else. 

XX/XX/XXXX, reach out to American Express and inform them that XXXX is not able to service me and that they are meant to give me an alternative form of verification. When I request the alternative form they refuse. When I ask to close my account they refuse stating that I need to get verified through XXXX first. I inform them that I am unable to get verified through XXXX, they stonewall me by stating that the only way to get verified is through XXXX first. I requested that they request a second notarization attempt, they refuse. When I reached out to XXXX again they tell me that they can not help me and that the issue was forwarded to American Express, they do not verify if its a new forwarding or the original attempt despite asking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: NJ

Complaint narrative:
I am the victim of identity theft. My credit report reflects these three accounts that I never opened or authorized. Despite my dispute and submission of an FTC Identity Theft Report, these accounts remain. This violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards, which require that only accurate and consumer-authorized information be reported. 

These unauthorized accounts are damaging my credit and causing undue hardship. I have notified all three credit bureaus and the creditors in writing, providing an FTC Identity Theft Report and proof of my identity. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # 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 2025-09-19 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: NJ

Complaint narrative:
I am the victim of identity theft. My credit report reflects these three accounts that I never opened or authorized. Despite my dispute and submission of an FTC Identity Theft Report, these accounts remain. This violates the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and XXXX XXXX reporting standards, which require that only accurate and consumer-authorized information be reported. 

These unauthorized accounts are damaging my credit and causing undue hardship. I have notified all three credit bureaus and the creditors in writing, providing an FTC Identity Theft Report and proof of my identity. 

XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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 once again disputing the fraudulent item that continues to appear on my credit report. Despite my repeated efforts, including filing and submitting an FTC Identity Theft Report as instructed by Experian, this unauthorized entry remains. This ongoing issue is unacceptable and raises serious concerns about why it has not been resolved after such a prolonged period. My credit report also reflects incorrect personal information, which is contributing to this fraudulent account being linked to me. As a victim of identity theft, I never authorized, used, or benefited from this accountit was created fraudulently using my 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
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
In XXXX of XXXX  I received an alert from my XXXX XXXX app that my credit score had decreased due to 2 inquiries. After logging into my account, I noticed 2 unauthorized inquires initiated by Home Depot to obtain a Citi Bank credit card. I did not authorize any of this.

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 2025-09-18 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 have identified information on my credit file that are a result of identity theft this account does not belong to me ( 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