vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I've never had a credit card with XXXX XXXX and yet they are reporting on my credit report. This accounts is reporting information which varies from bureau to bureau so that in and of itself proves that this account are reporting inaccurately and also for some of them. I'm not even sure what they are so by the provisions of 15 USC, section 168li of the Fair Credit Reporting Act, I demand a re-investigation and deletion of this account and if you or your agency refuses to do so, I demand the names and addresses of the Resident Agent or Corporate Officers of this agency who are going to accept the responsibility of your actions in this matter. Unless immediately notified otherwise, I'm going to assume that 30 days constitutes more than enough " Reasonable Time '' for the re-investigation and correction of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not authorize this inquiry. I did not communicate with this lender on the specified date.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed.

I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : Collections Credence resource Management {$620.00} Inquiries 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 2025-02-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I am submitting this formal complaint regarding an issue with Comenity Capital Bank, the issuer of the Dell Pay Credit Card, due to what I believe to be unjustified account closure and lack of proper communication or resolution. 

On XX/XX/2025, I applied for a Dell Pay Credit Card, and my application was approved with a {$5500.00} credit limit. However, when attempting to make a purchase, my transaction was halted due to a security verification requirement. Upon contacting the Account Protection Team, I was instructed to submit identification documents, including : A copy of my state-issued drivers license A copy of my federal Social Security card A recent utility bill ( XXXX XXXX XXXX  XXXX ) On XX/XX/2025, I promptly submitted all requested documentation via email. Despite my compliance, I received no response for two weeks. Then, I received a letter stating that my account had been permanently closed due to continued security concerns.

This decision is unfounded and unjustified for the following reasons : The account was newly opened, and no purchases were made, so I fail to see what security concerns could exist.

I fully complied with all verification requests and provided legitimate, government-issued identification and a utility bill, which should have been sufficient to confirm my identity.

I was not given any opportunity for recourse or appeal, and I am now forced to wait 30 days to reapply, which is an undue burden as I urgently need to purchase a computer for my business. 
The banks actions have caused undue inconvenience, have disrupted my business needs, and appear to be an arbitrary and unreasonable decision despite my full compliance with their verification process. I am requesting that the account closure be reconsidered and the matter be promptly reviewed for reinstatement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I received a VISA debit card in the mail yesterday XX/XX/2025 for my CASHAPP account. The problem is that I have never signed up with CASHAPP. I looked only and the only way to create an account is by providing my name and SSN. 

I believe someone used my SSN to create a CASHAPP account. I would like to block this card and look into someone using my SSN.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-26 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX Account number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, I received a notification specifying that my card was being fraudulently used and that they had made a Best Buy transaction for the amount of {$140.00} in the XXXX XXXX, another transaction on XXXX for an estimated amount of {$10.00}, and the other transaction on XXXX XXXX for a total of {$32.00} in the state of XXXX. I immediately contacted CITI Bank to report my card for fraud. Since I live in the XXXX XXXX XXXX  and at that time I was in XXXX They were able to see the transactions and were able to stop and delete the Best Buy transactions of {$140.00} and the XXXX XXXX of approximately {$10.00} but the transaction they were unable to stop was the XXXX XXXX XXXX for a total of {$32.00}. They told me not to worry and they were going to open an investigation. and that it would take time. On XX/XX/XXXX, I received the investigation report from CITI Bank which specified that I owed the amount of {$32.00} from XXXX XXXX in XXXX since it was the transaction that they could not stop. At the end of XX/XX/XXXX, I contacted CITI Bank and they told me not to worry, that they were taking time, that I should give them XXXX weeks. I contacted CITI Bank again in XX/XX/XXXX and they were still investigating. I called in XX/XX/XXXX and told them not to worry, and then I received a call from XXXX from the collection department for not making the payment for the amount of {$32.00} from XXXX XXXX in XXXX. That was when I decided that I had to report it to the CFPB.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-02-26 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: CA

Complaint narrative:
My Experian credit report contains errors that should never have been reported in the first place, and I find this completely unacceptable. The presence of these inaccuracies raises serious concerns about the reliability of Experians reporting system. These mistakes are directly affecting my financial stability, and I refuse to let them go unchallenged. 

As a consumer, I have a legal right to a credit report free from false or unverifiable information. The Fair Credit Reporting Act ( FCRA ) mandates that all reported data must be accurate, and any errors must be corrected immediately. I am demanding a thorough investigation into these discrepancies and expect immediate corrective action. Delays will not be tolerated. 

XXXX  - XXXX - {$4500.00}

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 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: MN

Complaint narrative:
I missed my XX/XX/year> payment, I used the rewards I had accumulated to apply them against the outstanding payment. I did get notification of the payment that was applied. However, they still send emails stating I missed the XXXX payment as well as threatening to send me to collections if I dont pay by XX/XX/XXXX. Along with their exorbitant interest rates, and the fact I very seldom miss a payment, these XXXX  treat you like you havent made a payment in months. Discover is a XXXX  credit card company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft. There are several XXXX accounts that i didnt authorize or give permission to open. Also Dept of education, XXXX and XXXX XXXX . These accounts do not belong to me and need to be removed from all 3 credit bureaus

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft. There are several XXXX accounts that i didnt authorize or give permission to open. Also Dept of education, XXXX and XXXX XXXX . These accounts do not belong to me and need to be removed from all 3 credit bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened opened at XXXX XXXX IN on XX/XX/year>, under the account number ( XXXX ), a personal credit card account opened at XXXX  XXXX on XX/XX/year> under the account number ( XXXX ) with a balance of {$860.00}, and another personal credit card account opened at XXXX  XXXX on XX/XX/year>, under the account number ( XXXX ) with a balance of {$420.00}. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Clear Recovery, Inc.
State: IA

Complaint narrative:
I sent a certified return receipt letter to collection agency requestion dept validation. They refused and will not comply.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Before XX/XX/year> I added an offer for XXXX % off a online purchase from XXXX  to my Chase card. I purchased a XXXX XXXX  on XX/XX/XXXX online from XXXX  which showed on my credit card on XX/XX/XXXX and posted on XX/XX/XXXX. The offer is valid for online purchase from XXXX before the expiration date of XX/XX/XXXX. I called customer service when I didn't see a credit on my account on XX/XX/XXXX and was told I made the purchase after expiration, which is not true. The agent said they would forward my complaint and to look for a secure email in the coming days. Today, XX/XX/XXXX I received a response from chase that I did not qualify due to not purchasing at XXXX which is also not true ... didn't even know there was a XXXX  store somewhere... 

I should have received a {$49.00} credit to my account but have not yet received it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-02-25 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: M&T BANK CORPORATION
State: LA

Complaint narrative:
The Louisiana Service Member Civil Relief Act ( SCRA ) expands upon the federal SCRA. On XX/XX/XXXX I applied for SCRA benefits being Louisiana is my home of record and im stationed in Louisiana. I recieved notice from M & T Bank stating I do not qualify and my loan was not subject to Louisiana law. I've applied for SCRA to all my accounts to numerous banks and creditors who have followed the Louisiana key provisional state law. The benefits should be retroactive to the day your active orders started ( enlistment ), or XX/XX/year>, whichever came latter. Even if youve opened/closed the account before being assigned to the state of Louisiana, they should refund interest youve paid above the 6 % cap. I've advised my base legal office who've stated to specifically request Louisiana state SCRA benefits, not federal. I was also informed to lodge a complaint against the creditor.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.

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 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the Equifax credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> : Inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX XXXX : Account number : XXXX, XXXX | XX/XX/year> : XXXX | XX/XX/year> : XXXX XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX XXXX XXXX | XX/XX/year> : XXXX XXXX XXXX | XX/XX/year> : ( Original XXXX XXXX XXXX  ) : Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARINTG IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experiences and XXXX are reporting previously disputed things on my credit report. My information has been compromised and they are refusing to take off.

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 2025-02-25 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: WA

Complaint narrative:
Experiences and XXXX are reporting previously disputed things on my credit report. My information has been compromised and they are refusing to take off.

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