vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Summary of Issue : Comenity Bank ( Bread Financial ) arbitrarily and unjustly closed my Saks Fifth Avenue XXXX XXXX XXXX account immediately after I made a full on-time payment, without any notice, explanation, or adverse action letter. I had an excellent payment history, low utilization, and no delinquencies or violations of any cardmember terms. 

This closure was completely unprovoked and appears retaliatory or automated in error, as there were no credit-risk, performance, or compliance reasons to justify such an adverse action. The bank failed to provide the specific and legitimate reason for this closure as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681m ( a ), and its implementing regulations. 

Additionally, the arbitrary termination of an open, current, and responsibly managed account may also violate the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 et seq., which prohibits creditors from taking adverse action without a lawful and nondiscriminatory reason and requires written notice explaining the basis for such action.

Impact : This closure may cause unwarranted harm to my credit utilization ratio and overall credit profile despite my flawless record. I use this account responsibly and paid it in full immediately prior to closure, making the action unjustified and damaging. 



Steps Taken : I contacted Comenity Bank and received no substantive explanation or corrective action. 
I have sent a formal written demand to XXXX XXXX  XXXX XXXX XXXX, requesting immediate reinstatement of the account, disclosure of the closure rationale, and assurance that no derogatory data has been or will be reported. 
I am seeking intervention to compel Comenity Bank to restore the account in full standing and issue a proper explanation compliant with FCRA and XXXX  requirements. 



Requested Resolution : XXXX. Immediate reinstatement of my Saks Fifth Avenue XXXX XXXX XXXX account in full and good standing. 
XXXX. Confirmation that no negative information has been reported to credit bureaus. 
XXXX. Written explanation of the cause of closure and disclosure of the internal rationale or algorithm used. 
XXXX Review by CFPB to ensure Bread Financial/Comenity Banks  account closure practices comply with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: MI

Complaint narrative:
XX/XX/XXXX at XXXX someone transferred XXXX out of my account into their account I do not know this person and I never authorized for them to take my money. I dont know how they were able to access my account, but they did. I contacted chime immediately upon discovery that my account has been compromised. They opened my case and closed it twice with in XXXX. I made all the appropriate security changes and currently waiting on a new debit card now. They keep saying they dont see an error, but the error is that someone took my money. I need my money. I filed police report, gave chime the report number. It takes XXXX business days for the police to process and print the paperwork for the report. I will be uploading physical copy of police report XXXX XXXX  XXXX latest XXXX XXXXXXXX, XXXX. This is causing a lot of stress. XXXX a XXXX XXXX and cant afford to lose that kind of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: NY

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: CT

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: IL

Complaint narrative:
My credit report shows Im a authorized user on someone credit card that I have no knowledge of and never gave anyone consent to add me as a authorized user on their account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: CA

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-10-21 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: GA

Complaint narrative:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2025-10-21 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: SC

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-21 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: TX

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: Ray Skillman Northeast Imports Inc
State: IN

Complaint narrative:
I purchased my vehicle from XXXX XXXX XXXX XXXX over a year ago and have been making regular payments. Recently, I called to make a payment and was told my account was up to date. Later, an employee named XXXX contacted me from her personal cell phone demanding payment and threatening repossession, saying bring our vehicle back. 

I informed her I would make my payment that XXXX, but she continued texting in an aggressive and unprofessional tone. I have a screenshot showing the message came from her personal number. 

I later found out that dealerships are not allowed to contact consumers from personal phones or make verbal repossession threats without proper notice. I felt harassed and intimidated by this contact. 

I am asking that this behavior be investigated, that my account record be reviewed for accuracy, and that the company ensure its employees communicate with customers through official business channels only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/XXXX at approximately XXXX XXXX, I received a phone call from a gentleman stating he worked for XXXXXXXX XXXX XXXX XXXX in XXXX Texas. He stated that my husband, XXXX XXXX, had called and was asking for assistance and being bonded out. He stated that the amount of his bond was {$1300.00}, and that if I had paid the money before noon, he would be out around XXXX XXXX. I stated I did not have the full {$1300.00} at that time, but I was able to pay {$500.00} and would try to figure out the rest. The gentleman sent me a XXXX  fillable form, in which I filled out my information and sent it back along with a copy of my drivers license and a bill showing our address. I received a receipt back, stating that half of the amount was paid and the bond would be posted when the other half was paid. I was able to pay him via XXXX XXXX, in which he provided me card information to add for the withdrawal, however, I was asked to delete the card once the withdrawal was made. I did not find this suspicious at that time, as I was limited on my sleep due to the incident that led up to the arrest the night before. The gentleman texted me back back-and-forth throughout the day, as I arranged the other payments. When I asked about the XXXX XXXX bail, he sent me a warrant which did say sample on it, and as I am not familiar with what warrants actually look like, I did not know if it was real or not. I didnt know that my husband had a bail to post, so that was not odd for me. I was told if I paid partial on that bail, as well as the rest of the bail from XXXX XXXX, then my husband would be able to be bailed out that day. I was able to come up with money, in which a few more XXXX XXXX transactions were made, and then I was told I would be contacted around XXXX XXXX. I did not receive a call, and so I sent a few text messages, all with no response. I then googled the phone number, which came up to an XXXX XXXX XXXX by XXXX XXXX. There was a website and an email address that were attached to this as well, so I sent an email. Everything appeared to be legitimate. I then found another phone number for XXXX XXXX XXXX XXXX, in which an answering service took a message and I received a callback on the XXXX. It was confirmed at that time that the XXXX XXXX XXXX XXXX  I was working with was a scam, and the one I spoke to was legitimate in stating that they did not post a bond for my husband. I confirmed with the jail that no bond had been paid and no paperwork had been processed.

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-21 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: NJ

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 2025-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I did ask this company to provide me with the Debt Validation claim of the amount XXXX XXXX 

Debt validation claim according to 15 USC 1692 G - Full detail payment list of payment history of this account- I want to see the original signature that I agree to on the contract for this creditor - Has there been any insurance claim on this account or this debt? 
- I want to see the chain of title that you have to collect on this account

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 2025-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I do not recognize these inquiries on my credit report I have asked for them to be removed and the bureaus did not do as I have asked .I am requesting them to be removed because they are inaccurate and not mine. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-10-21 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: EQUIFAX, INC.
State: IN

Complaint narrative:
I do not recognize these inquiries on my credit report I have asked for them to be removed and the bureaus did not do as I have asked .I am requesting them to be removed because they are inaccurate and not mine. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

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

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

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: AZ

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