vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: TX

Complaint narrative:
When I contacted Blackhawk Network, I verified to them that my {$50.00} Visa gift card balance had been almost entirely wiped out by an unauthorized purchase, although I had never used this gift card. They responded by telling me I needed to send them pictures of the gift card, front and back, pictures of my drivers license, a selfie of myself, and also a utility bill that verifies my address. I was then informed that upon receiving these things and verifying my identity that they would send me a replacement gift card. They did not follow through on what they promised to do. Instead, they told me that they had to open a billing dispute on my behalf and give the merchant that had the unauthorized charge on my gift card. A chance to respond. I sent them a response via email and told them that this was absurd, because they could clearly see the gift card had never been used before, and that the merchant was unrecognizable as anything other than some type of womens clothing store. I believe they were an offshore company, which in an of itself reeks of fraud. I was told that I could follow up with them at any time to check the status of this dispute. When I follow up with them, I get transferred to a call center queue that just leaves me on hold for XXXX and XXXX minutes at a time. Eventually, I hang up because it appears nobody even answers those calls. While this is only a {$50.00} gift card, it is very frustrating because I have done everything I can to resolve this and they seem to be striving to just bury me and my complaint in their administrative processes in order to not refund my money. They just produced one obstacle after another in order to not issue a refund. This is particularly appalling, considering this is obviously due to their own network, not being secure, since this card was never used by myself. It was them who allowed their network to be compromised and now they are leaving the consumer on the hook for their own incompetence to run their business in a secure fashion that protects both customers and themselves. If a customer purchases a gift card from them, they have a reasonable expectation that the balance will remain secure until it is actually used by the customer who purchased it, especially under circumstances where the gift card has never been used by that customer before.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: OH

Complaint narrative:
On my credit profile, XXXX, XXXX XXXX experian is showing a past due charged off auto loan. I disputed it by mail. I called in and got no help at all. They continue to report it on my credit profile. I am currently in the mist of doing some Financial business with my house and it is stopping me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a XXXX  at XXXX for approximately {$580.00} in XX/XX/year>. The salesperson explained to them that the store had a promotion available to customers who used the store credit card, offering 6 months of free interest. I am being charged interest every month. Additionally, I signed up for paperless bank statements, but I am unable to access them online. This is misleading and fraudulent. Please note that every month payments have been made on time and more than the minimum requirement.

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 2025-10-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( Last XXXX ) : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Late-Payment Reporting Request for Deletion Under FCRA 1681e ( b ) and 1681i ( 5 ) Dear TransUnion, I am formally disputing the accuracy of late-payment information appearing on my TransUnion credit file. The following accounts show discrepancies and must be reinvestigated : XXXX  XXXX Auto Loan ( XXXX and XXXX lates reported inconsistently ) XXXX XXXX Secured Loan ( XXXX and XXXX lates reported in error, not matching my records ) XXXX XXXX  Credit Card ( XXXX and XXXX lates inaccurately listed between XX/XX/XXXX and XXXX XXXX ) XXXX XXXX  ( XXXX ) Secured Loan ( XXXX and XXXX lates under dispute and unverified ) Under 15 U.S.C. 1681e ( b ), credit bureaus must follow reasonable procedures to assure maximum possible accuracy. And per 15 U.S.C. 1681i ( 5 ), any item found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. 

Because these accounts are not reported identically or accurately across all three bureaus, I request immediate reinvestigation and deletion of the inaccurate data from my TransUnion file. 

If full verification can not be produced within 30 to 45 days, I will move forward with the litigation process to recover {$1000.00} in statutory damages for each inaccuracy under the Fair Credit Reporting Act, plus attorneys fees and costs. 

Please provide written confirmation of your reinvestigation results at my mailing address above. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: DISCOVER BANK
State: VA

Complaint narrative:
I have been a Discover customer for many years. I recently discovered recurring charges on my credit card from my landlord, who continued to use my card to pay for insurance multiple times after I moved out, placing it on a recurring schedule without my authorization.

I promptly contacted Discover to report the issue and provided clear documentation. I also contacted the insurance company to remove my card from their files, and they confirmed that my card was removed. Despite this, Discover refuses to issue a refund, claiming that because I used the service once, I am responsible for all subsequent charges. I have also reported to Discover that this insurance company has not provided me any services since XXXX and therefore must not use my card for any charges.

In the past, Discover has refunded two other unauthorized transactions without issue. However, they are now refusing to refund this particular charge. They suggested that the insurance company may have shown them documentation for the transaction. Even if such documentation exists, I had already moved out of the house, and the landlord did not have my permission to charge my card again. This charge is clearly unauthorized. 

I am requesting that Discover provide reimbursement for this unauthorized charge.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
Some one used my information and applied for account that I never did or knew about I never lived there it was 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 2025-10-05 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: NY

Complaint narrative:
I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: FL

Complaint narrative:
Random account popped onto my credit report with no contact being made by this company first. Noticed it's a new account on my credit report but never heard of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Email : XXXX XXXX ( Last 4 ) : XXXX Date : XX/XX/XXXXXXXX XXXX : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Request for Deletion of Inaccurate Late-Payment and Collection Reporting FCRA 1681e ( b ) XXXX XXXX XXXX XXXX XXXX Dear Equifax, I am disputing inaccurate payment information appearing on my Equifax credit report dated XX/XX/XXXX. The following accounts contain errors and require reinvestigation : XXXX XXXX XXXX XXXX  ( 30-day late not substantiated by records ) XXXX XXXX XXXX XXXX ) XXXX  XXXX  ( 30-, 60-, and 90-day lates reported erroneously ) XXXX XXXX Personal Loan ( 30-, 60-, and 90-day lates reported inaccurately during XXXX ) XXXX XXXX XXXX Account ( reported as 120 days late and under active dispute ) Under 15 U.S.C. 1681e ( b ), you must ensure maximum possible accuracy, and 1681i ( 5 ) requires deletion or correction of any unverifiable information.

Because these accounts display inconsistent and inaccurate late-payment reporting compared with the other bureaus, I request that Equifax delete the erroneous data or update all records to be 100 percent accurate.

If this matter is not resolved within 30 to 45 days, I will move forward with the litigation process to recover {$1000.00} in damages for each inaccuracy on my credit report, in addition to legal fees. 

Please confirm completion of your reinvestigation in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise Credit Services repeatedly contacted me by phone and text message an alleged debt they have never validated, despite multiple written requests. They violated the FDCPA and TCPA by making XXXX unauthorized calls and text after being instructed to cease communication.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: MO

Complaint narrative:
World finance ( XXXX XXXX ) This company has reported XXXX on my credit report for services that I have no idea or acknowledgement about. I never received a loan or credit line from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: IL

Complaint narrative:
After reviewing my credit files, I found material discrepancies in the way this same account is being reported, including but not limited to : 1. Reporting Dates Conflict TransUnion reports Date Reported : XX/XX/XXXX. 
XXXX  also says XX/XX/XXXX. 
XXXX  reports Date Reported : XX/XX/XXXX. This is a future date impossible and inaccurate. 
This alone is a major factual error. An account can not be reported in the future. That violates accuracy standards.

3. Creditor Remarks Conflict TransUnion : Charged off as bad debt. Purchased by another lender. 
XXXX  : Purchased by another lender. Unpaid balance reported as a loss by credit grantor. 
XXXX  : Charged off account. Account transferred or sold. 
These remarks mean XXXX different things legally they cant all be true at once. Either the account was sold, charged off, or transferred.

4. Payment Status/Closed Dates Conflict TransUnion : Closed on XX/XX/XXXX XXXX : No closed date XXXX  : XXXX XX/XX/XXXX, reported XX/XX/XXXX ( future ). 
That inconsistency makes the account unverifiable.

5. Payment Status/Closed Dates Conflict TransUnion : Closed on XX/XX/XXXX XXXX  : No closed date XXXX  : XXXX XX/XX/XXXX, reported XX/XX/XXXX ( future ). 
That inconsistency makes the account unverifiable. 
This account meets the definition of inaccurate, incomplete, and unverifiable under the Fair Credit Reporting Act because : Reporting dates conflict ( including one thats impossible ). 
Account history and charge-off information differ across bureaus. 
Payment history and remarks dont match.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX Subject : Unauthorized Hard Inquiries AND ACCOUTNS Demand for Immediate Deletion Under FCRA 604, 605B, 611 To Whom It May Concern, THESE ACCOUNTS HAVE BEEN REMOVED BUT REMAIN STILL This letter serves as a formal dispute and demand for deletion of unauthorized hard inquiries on my consumer credit reports maintained by your agencies. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and requesting immediate removal of the following unauthorized inquiries and accounts : ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$2800.00} XX/XX/year> INQUIRES EXPERIAN : ( THESE HAVE BEEN REMOVED FROM TRANSUNION LAST DISPUTE WITH CFPB BUT OTHERS REMAIN ) PROOF IS UPLOADED 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 XXXXXX/XX/year> I UPLOADED THE PREVIOUS FTC REPORT AND PROOF OF REMOVAL UNDER 605B THESE ITEMS ARE TO BE REMOVED IN 4 BUSINESS DAYS DRIVER LICENSE AND SSN CARD INCLUDED 1681 E-2 FCRA 611

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: GA

Complaint narrative:
CFPB enforcement action ( XXXX XXXX. XXXX ), Subject : URGENT Followup : Unauthorized transfers on XX/XX/year> Law enforcement confirmed theft Hello, My Cash App account suffered unauthorized transfers totaling {$8200.00} on XX/XX/year> after my phone ( XXXX XXXX XXXX ) was stolen. I reported to Cash App within an hour ; Cash App denied reimbursement. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX investigated and issued an official letter ( attached ) confirming theft and an arrest warrant for the suspect. 

Given the CFPB enforcement action ( XXXX XXXX. XXXX ), please escalate and confirm that my file will be included in any redress process. I need urgent confirmation of receipt and next steps. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I am currently disputing with XXXX and SECU due to unauthorized activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CLGF Holdco 1, LLC
State: NC

Complaint narrative:
XX/XX/year> I noticed that Equifax reporting my utilization of 100 % when the credit card ( Concora Credit ) balance is {$2000.00} and I only used {$1900.00}. That is 98 % and not 100 %. This simple error drop my credit score more than XXXX points. I am asking for this to be updated please, so it can reflect on my credit report.It is also showing I pay XXXX XXXX  monthly, I pay {$98.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
The Experian credit reporting agency refuses to provide my report information that demonstrates my credit is longer than year and it is causing creditors, banks, etc. that pull credit report information from Experian to not receive accurate information about my credit worthiness. XXXX and XXXX are providing all my credit lines and information but after numerous requests Experian refuses to report the trade line from XXXX XXXX for account ending XXXX. All the trade lines on my report need to be available for credit inquiry access from creditors that use Experian. Lastly, Experian will not provide a score and I request to provide a score as well. The other reporting agencies provide a score and I think that Experian has enough credit information and enough time has passed to calculate a score. 
When my has been pulled by XXXX creditors, my approvals were denied and not approved. I was forced to provide the creditors with information from the other reporting agencies ( XXXX and XXXX ) to provide that my credit is in the top percentile with excellent history, no negative activity and great credit worthiness to have my applications reconsidered. The other applications were not approved because of inaccuracies because of the Experian data pull.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/year> I noticed that Equifax reporting my utilization of 100 % when the credit card ( XXXX XXXX ) balance is {$2000.00} and I only used {$1900.00}. That is 98 % and not 100 %. This simple error drop my credit score more than XXXX points. I am asking for this to be updated please, so it can reflect on my credit report.It is also showing I pay XXXX XXXX monthly, I pay {$98.00}.

Company response to consumer: Closed with explanation