vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I have an outstanding charge with no interest if I pay off by XX/XX/XXXX which I have been paying down with a current balance of XXXX. I have a pending payment for mom balance and have to make another XXXX payment in hope the second payment gets 100 % posted towards this transaction. On XX/XX/XXXX I made another XXXX year interest free transaction in the amount of {$1700.00} which has to be paid off by XX/XX/XXXX. I have been making XXXX payments to pay off first promotion and checked my account and they are applying {$80.00} towards promotion due XX/XX/XXXX and {$20.00} towards promotion with XX/XX/XXXX expiration date. I called twice and asked why they were applying this way and they said it was because the larger balance needs to be paid off. I asked how to pay off the first promotion off and they stated this is how to payments are applied and I was upset and said this is credit card fraud not allowing me to pay at least XXXX towards first expiring promotion and XXXX towards second. I asked if they could reallocate the payments to pay it off and they denied my request. I have many credit cards and I do not have this issue. Is there anything that can be done with this company? Is there some type of law that can make them apply more towards my first expiring promotion? The credit card is with comenity for Zales.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: WA

Complaint narrative:
Equifax received my mailed dispute and supporting documents on XX/XX/year> ( XXXX delivery confirmed ). 
As of XX/XX/year>, Equifax has not completed a reinvestigation or provided written results, violating 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 6 ) ( A ) of the Fair Credit Reporting Act.

Timeline : XX/XX/year> : Dispute delivered with ID and address proof. 
XX/XX/year> : Equifax sent a letter claiming more ID was needed ( stall tactic ). 
XX/XX/year> : I re-sent ID to eliminate that excuse. 
XX/XX/year> : 30 days from initial receiptno reinvestigation results received. 

Disputed Accounts : XXXX XXXX ( XXXX XXXXXXXX ) ; 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 card ) ; XXXX XXXX XXXX XXXX XXXXXXXX ) ; XXXX XXXX XXXX XXXX XXXX ) ; XXXX XXXX XXXX XXXX XXXX XXXX ). 

Harm : XXXX failure to reinvestigate on time is delaying mortgage qualification and continuing to report inaccurate data, damaging creditworthiness and costing me loan opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
I lost my purse a few years ago someone used my social security, Ive tried several times to reach out to the consumer agency asking for proof that it was me and havent received any proof. My identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: WA

Complaint narrative:
Even though the balance was cleared, it still shows late payment remarks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: IL

Complaint narrative:
I did not give XXXX consent to a voluntary repossession. I have no missed payments. I reported to XXXX that my car was stolen on XX/XX/XXXX and sent in proof to XXXX of the police report. XXXX found my car in a tow lot and never reached out to me. I received a call from the tow lot that my car was there. I called XXXX and that's how I found out that they had my car. Gap insurance is now taking over.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
am filing this complaint regarding two collection accounts reported by XXXX XXXX. I sent two certified letters requesting validation of these alleged debts : Tracking # XXXX on XX/XX/year> and Tracking # XXXX sent on XX/XX/year>. XXXX XXXX never provided proper validation, yet both accounts were updated with all 3 credit bureaus on XX/XX/year> and XX/XX/XXXX, XXXX, XXXX, and XXXX of XXXX. These accounts were reported as closed on XX/XX/XXXX and XXXX of XXXX and have now reappeared as open on my credit reports updating on the following day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX date of birth XX/XX/1997 contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the TRANSUNION, EQUIFAX AND EXPERIAN credit reporting agencies 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. I've attached the copy of the identity theft affidavit and a document listing all the accounts as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/year> I consolidated my direct loans because my loan providers loan simulation option showed I would pay off my {$31000.00} loan off much faster under the government SAVE plan. Prior to my consolidation I had made 204 of 300 payments on an IDR plan. The loan simulation tool on the Mohela website showed I would lower my payments from {$240.00} a month to {$35.00} a month for approximately 6 months and then my loans would be forgiven. I decided to take the bait. 

The SAVE plan was blocked by government. 
I lost all my payment history and ability to have loan forgiveness because my loans are no longer under the IDR Plan they were on. 

Now Im waiting to get approved to be put back on the IDR plan and reset my payment clock from 0 to 300 which is the forgiveness number. 

Im very angry that I lost all my payment history in an effort to reduce my debt. Now I am stuck with these loans for another 20-25 years. Its very upsetting and I feel I was mislead in being forced to consolidate my loans for a plan that was cancelled ( SAVE ).

Company response to consumer: In progress
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
Subject : Arbitrary Decline of Brokerage Account and ID Verification Failure Despite Approval for XXXX Credit Card Summary : On multiple occasions, I have attempted to open a XXXX brokerage account using my valid, government-issued drivers license and accurate personal information. Each application was rejected without explanation, even though the information provided has been successfully verified by other federally regulated financial institutions. 

Compounding this issue, on XX/XX/year>, I was approved for the XXXX XXXX Credit Card with a {$5000.00} limit, yet the Robinhood app simultaneously claimed it could not verify my identity using the same valid drivers license. This inconsistency suggests a serious internal verification error or systemic compliance flaw, not a legitimate identity issue. 

As a licensed travel nurse who frequently relocates for work, I depend on secure and reputable platforms like XXXX for managing investments. My credit profile is excellent and my identification is verifiable and current. Robinhoods repeated denials and contradictory handling of my applications appear arbitrary and inconsistent with federal consumer-protection and financial-access laws, including : The Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) ensuring accuracy and fairness in use of consumer data ; The Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 et seq. ) prohibiting unfair or inconsistent denials of financial services ; and FINRA and SEC regulations requiring transparent and fair access to brokerage services. 

I have made multiple good-faith attempts to resolve this directly with XXXX over the last several weeks, but have not received any meaningful response or opportunity to correct what appears to be a system error. 

Requested Resolution : I am requesting that Robinhood : 1.Conduct an immediate senior-level review of my account application and verification data ; 2.Activate my Gold credit card & brokerage account and ensure my identity verification issue is resolved ; XXXXConfirm compliance with FCRA, XXXX, and applicable brokerage regulations regarding fair account access. 

Contact Information : Name : XXXX XXXX XXXX Account Email : XXXX Phone : ( XXXX ) XXXX Date of Incident : XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MD

Complaint narrative:
I am submitting this complaint because a credit card account has been reported as charged off on my credit report, but this reporting is inaccurate and potentially unlawful. 

The creditor XXXX XXXX did not properly notify me of the charge-off, nor did they provide evidence of the balance after payments, fees, or interest were applied. Additionally, the account was either sold or transferred to a third party without clear documentation of ownership, which may constitute improper assignment.

I am requesting that the CFPB investigate whether this creditor and/or collection agency complied with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) regarding accuracy and verification requirements.

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 2025-10-14 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: TX

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request the removal of outdated and incorrect personal information from my credit file in accordance with the Fair Credit Reporting Act ( FCRA 611 ). Please update my file to reflect only my correct and current information as listed below : Correct Information : Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Please remove the following inaccurate or outdated entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my photo ID and a recent utility bill as proof of identity and address. Please confirm in writing once these changes are complete. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to formally request the removal of outdated and incorrect personal information from my credit file in accordance with the Fair Credit Reporting Act ( FCRA 611 ). Please update my file to reflect only my correct and current information as listed below : Correct Information : Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX Please remove the following inaccurate or outdated entries : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have attached a copy of my photo ID and a recent utility bill as proof of identity and address. Please confirm in writing once these changes are complete. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
Subject : FORMAL DEMAND FOR IMMEDIATE REMOVAL OF FRAUDULENT AND/OR INACCURATE ACCOUNT INFORMATION Dear ChexSystems Compliance Department XXXX This letter serves as a formal notice and demand under the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ) for the immediate removal of the following unauthorized and/or inaccurate account from my ChexSystems consumer file.

Account Information : Institution Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX TX XXXX Date Listed : XX/XX/year> Status : Paid in Full I hereby assert that this account was not authorized, not opened by me, or is being reported inaccurately. Regardless of payment status, this item is being wrongfully reported and is therefore a violation of FCRA 607 ( b ), which requires all consumer reporting agencies to maintain maximum possible accuracy in their files.

Furthermore, under FCRA 605B ( 15 U.S.C. 1681c-2 ), you are legally required to block and remove all information that is the result of identity theft or fraud once notified. 

I am invoking my rights under the following laws : FCRA 611 ( a ) ( 1 ) ( A ) You must reinvestigate disputed information within 30 days ( or less ).

FCRA 611 ( a ) ( 5 ) ( A ) If information can not be verified, it must be deleted immediately.

FCRA 623 ( a ) ( 8 ) ( E ) ( iii ) Data furnishers must cease reporting disputed information that is inaccurate or unverifiable.

UCC 3-403 & 3-404 Any unauthorized use of my identifying information is legally void and unenforceable.

I demand that you immediately delete the above-referenced account and send written confirmation of deletion to my mailing address within XXXX ( XXXX ) business days of receipt of this notice. 

Should ChexSystems or the data furnisher fail to comply, I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Attorney Generals office, and reserve all rights to pursue civil damages under FCRA 616 and 617.

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 2025-10-14 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:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: CO

Complaint narrative:
XX/XX/XXXX, U.S. Bank repossessed my XXXX XXXX XXXX XXXX XXXX ( VIN ending in XXXX ). At the time, the vehicle had approximately XXXX miles and was under an active safety recall ( XXXX XXXX XXXX / XXXX  XXXX ) for random XXXX  shutdowns. The recall repair was being performed at XXXX XXXX on XX/XX/XXXX, just before the repossession. 

Despite the recall and ongoing repair, U.S. Bank sold the vehicle for {$40000.00} according to their Explanation of Calculation of Surplus or Deficiency notice. At that time, independent valuation guides ( XXXX XXXX XXXX, XXXX, and XXXX ) placed comparable XXXX XXXX XXXX XXXX models with similar mileage in the {$50000.00} {$55000.00} retail range. Even allowing for auction value, this sale price was materially below commercially reasonable value as required under UCC 9-610, which obligates secured parties to obtain a fair price when disposing of collateral. 

After the sale, U.S. Bank pursued and collected a deficiency balance of {$31000.00}. A portion of that amount was paid. However, because the sale was not commercially reasonable and the collateral was defective at the time of repossession, I believe this deficiency was not lawfully owed. 

I also was not given a real opportunity to retrieve my personal belongings from the vehicle, which included XXXX  equipment and other gear. The phone number provided for property retrieval did not connect to anyone, and I never received an inventory list or follow-up instructions. 

On XX/XX/XXXX, I sent a certified demand letter to U.S. Banks Recovery / XXXX XXXX  XXXX XXXX  ( XXXX, OH ) requesting : Refund of all deficiency amounts collected Documentation of sale process and proceeds Compensation for personal property that was not returned Correction of negative credit reporting showing a Charge-Off {$26000.00} USPS tracking confirmed delivery, but U.S. Bank never responded. 

I subsequently filed a complaint with the Colorado Attorney Generals XXXX  XXXX XXXX. Their office confirmed receipt but stated that, because U.S. Bank is a nationally chartered institution, oversight falls under federal jurisdiction and referred me to the CFPB for further review. 

I am requesting CFPB assistance to compel U.S. Bank to :

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