vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I signed up for the XXXX mastercard about 6 months ago. when I received the first invoice, I paid it by check, on time and in full ( {$150.00} ), and mailed it to the Comenity Bank address shown on the credit card invoice. the check included my account number. Comenity received my check and deposited the check and endorsed the check. However, the payment was never posted to my account. I was receiving multiple calls every day from Comenity from nasty sounding people accusing me of not making the payment. so I sent another payment, including interest and penalties, while I disputed their false accusations that I had not made payment. they told me to mail a letter of explanation with a copy of the canceled check, so I did that. They still did not apply my payment to my account. so I called again, and was told to send another letter with a copy of the canceled check. so I did so again. finally, they responded by letter claiming that they refunded the {$15000.00} to an account ending in XXXX however, my account ends in XXXX their own letter to me references that my account number ends in XXXX, but in the body of their letter, it states the refund was issued to an account ending XXXX that is not my account. so I had to call them again ( for the XXXX time ). nobody could help. I got transferred to a supposed supervisor who hung up on me after calling me unprofessional ( who is the unprofessional person, me who paid my bill on time, or Comenity for failing to apply my payment to my account? ). after she hung up on me, I called again and spoke to XXXX more " supervisors '' .. the last one hung up on me because he didn't like my tone... listen, if you can not apply a payment properly, then give me the run around for 5 months and keep saying we have to find a resolution for you, and you're in the customer service office, you have to deal with my tone. the letter I received states to call a certain phone number with questions ... yet nobody at that phone number had a copy of the letter I received from Comenity. the only resolution, as I explained repeatedly, is for Comenity to apply the payment I made to my account and my account only, and to reverse the penalties and interest charges and dismiss any derogatory claims made against my credit score. Comentiy has committed fraud and theft of my money, and I have suffered damages to my credit score, and have spent hours on the phone and writing letters just to get credit for the payment I made on time and in full which Comenity failed to apply to my account ending in XXXX. They made this sound like it's my fault, when it's their fault and only their fault. This is thievery and fraudulent. I expect and demand repercussions and I will take all actions necessary to protect my credit score and seek damages as a result of Comenity 's actions and inactions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 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: IN

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. 


FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-03-12 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 pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : 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 XXXX XXXX XXXX XXXX XXXX  : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: MD

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. 


FRAUDULENT ACCOUNTS : Account Name 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-12 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: PA

Complaint narrative:
I am formally disputing inaccurate information on my credit report, which I believe is negatively impacting my financial well-being. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute errors, and I am requesting a thorough investigation into these inaccuracies as required by federal law. 
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against XXXX for failing to properly investigate consumer disputes, citing issues such as " sham investigations '' and other unlawful practices. The CFPB identified concerns including : Inadequate investigations that fail to address consumer disputes appropriately. 
Reintroducing previously disputed and incorrect information without explanation. 
Failing to notify consumers effectively about the outcomes of investigations. 
These systemic issues raise concerns about the integrity of the dispute resolution process. I want to ensure that my dispute is handled fairly and thoroughly. 
The inaccurate information I am disputing : XXXX. XXXX XXXX XXXX, they are a debt buyer and have obtained information thats not true and trying to collect funds from me that I do not owe them. As I have never given my permission to use my personal and confidential information to. They reporting monthly on my credit report through you a balance on a debt that I do not owe. I have requested several times now a validation letter without any response or proof from this company. I request that this company stop reporting to you false information and wish for a cease and desist! And immediately removal of this account off my credit report record. 
Under the FCRA, I request that you : Conduct a proper investigation into this dispute.

Provide a clear and detailed explanation of your findings.

Supply any documentation you used to verify the accuracy of the disputed information. 
Please address this matter promptly. If the disputed information can not be verified as accurate, I expect it to be removed from my credit report as required by law. 
I appreciate your timely response and resolution of this issue.

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 2025-03-12 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: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank took XXXX on XX/XX/year> out of checking account and applied it to the credit account with PNC with out authorization. They are saying someone did it over the phone. Which no one did as I am the one who handles the account my husband 's name is on account but he does not deal with this account. By them doing this they have now over drafted my account. And have charged me XXXX in over draft fees. I am asking the reverse the amount of XXXX and the over draft fees of XXXX. As this was NOT a authorized payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnisher, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failure align with my experience, where Experian has neither corrected not removed dispute items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NV

Complaint narrative:
I am filing this complaint against Transunion for failing to remove a fraudulent charge-off from my credit report, despite my submission of all legally required identity theft documentation. I was notified that exposed my personal data in a security breach, and I have been affected by multiple breaches. Since then, fraudulent accounts and inaccurate negative marks have appeared on my credit report. Under FCRA 605B, credit reporting agencies must block and remove fraudulent accounts within XXXX business days once a consumer provides : An Identity Theft Report ( FTC or police report ) Proof of identity A written statement declaring the account is fraudulent I submitted these documents regarding a XXXX XXXXXXXX charge-off that was falsely placed on my credit report due to identity theft. While XXXX bureau honored my request and removed it, Transunion refused to comply, instead claiming the account was verified. This is a direct violation of federal law, and their failure to act has caused financial harm. I have been losing sleep and constant suicidal thoughts. I am now scheduled for therapy because this has been causing me significant mental stress and emotional stress and trauma every time I check my consumer report and get alerts. I have not been able to eat hardly and have lost a lot of weight due to the stress and hardship. All of my disputes and alerts are being documented as well! I am requesting the immediate deletion of the fraudulent charge-off in compliance with FCRA 605B. If the credit bureau does not comply, I will pursue legal action for willful noncompliance ( FCRA 1681n ) and negligence ( FCRA 1681o ), seeking damages for their failure to follow federal regulations. I expect a resolution within XXXX ( XXXX ) business days from the date of this complaint.

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 2025-03-12 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-03-12 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: GA

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. 


FRAUDULENT ACCOUNTS : Account Name : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: SC

Complaint narrative:
Reported to credit bureau when I was in a bad place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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.

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Bank of America closed my account because i submitted a check with my fathers name on it, the check was to pay rent. The bank immediately called and told me that i wasnt supposed to do that and i thought i was given a warning. that same day my account was closed. I believe this is unfair. Bank of america isnt letting me access a new bank 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 2025-03-12 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: AL

Complaint narrative:
I am writing to formally dispute the inaccurate balance and charges being reported by XXXX XXXX XXXX XXXX in XXXX, AL and their third-party collection agency, XXXX XXXX XXXX XXXX 

XXXX XXXX XXXX XXXXXXXX provided me with a final balance of {$3600.00} upon vacating my unit. However, XXXX XXXX XXXX is now reporting an incorrect balance of {$3800.00}. Additionally, the leasing company applied multiple improper charges to my rental ledger, including excessive trash bag fees. Despite paying a $ 10 monthly trash fee as part of my rent, I was charged {$25.00} per trash bag for having them on my balcony. This occurred because the property failed to utilize its concierge trash service and only provided trash bins at the front of the complex, while I resided in the back. 

Furthermore, I vacated the unit in XXXX and returned my keys on XX/XX/XXXX, per our documented email agreement. Despite this, I was still charged additional fees for XXXX as if I had remained in the unit. 

The information and charges reported are inaccurate, and I have supporting evidence, including my rental agreement, emails, and rental ledger, to confirm the discrepancies. I request that these inaccuracies be corrected immediately and that the reported balance be adjusted to reflect the actual amount owed at the time of my departure.

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 2025-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Med-1 Solutions, LLC
State: IN

Complaint narrative:
I have been making monthly payments that amount was agreed and determined in court XXXX years ago. Ive never missed a payment. Med one solutions out of nowhere changed everything and gave me unbelievable nonsense reason as to why. Back in XXXX when I called to pay my monthly payment they started harassing wanting more money than we agreed to in court. I was told that I didnt make my payment in time and broke the order. I told them they were wrong and Ive always made my monthly payments. I was then told it was date specific and I missed the date and broke court order. So I said look Ive been paying the same way for years, so what is going on. I was told there had been company changes. I had to go around in circles and deal with their nonsense to even make my usual payments because its like they didnt want me to, then they tried applying my payment to a closed acct. So, I was given complete nonsense and they blatantly lied to wrongfully break court agreement. Although they threatened to garnish I thought the company was nuts, but continued to keep up my end of agreement and have kept paying my monthly payments as I normally would. I just got paycheck and see I have garnishment! I had no knowledge of this except their threats. They got more money as they wanted by breaking court agreement and blatantly lying and making up nonsense. Now XXXX unable to pay rent and provide for my child and myself. This company is fraudulent and the outright lies they speak are unbelievable.

Company response to consumer: Closed with explanation