vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express approved a payment plan on my account, failed to initiate the scheduled automatic payments, and then transferred the account to multiple third-party collection agencies without notice. This has resulted in contradictory collection activity, confusion about who is authorized to collect, and improper handling of my account. 

On XX/XX/XXXX, American Express confirmed in writing that my account ending in XXXX was enrolled in a six-month payment plan with automatic monthly withdrawals scheduled from XX/XX/XXXX through XX/XX/XXXX. 

American Express was responsible for initiating the automatic withdrawals under this plan. No withdrawal attempt was made on XX/XX/XXXX, and I received no notice of a failed payment, cancellation, or default. 

Despite the existence of this payment plan, American Express transferred my account to multiple third-party collection agencies within a short period of time : On XX/XX/XXXX, I received a collection notice from Radius Global Solutions. 
On XX/XX/XXXX, American Express sent me a letter stating the account had been transferred to XXXX XXXX XXXX XXXX ( XXXX ) for collections. 
On XX/XX/XXXX, I received a separate collection notice from XXXX XXXX XXXX XXXX XXXX regarding the same account. 

These overlapping and conflicting collection actions created confusion as to which entity, if any, was authorized to collect the account. I was never notified that the payment plan had been canceled, nor was I provided an explanation for why American Express failed to initiate the scheduled payments before placing the account into collections. 

I disputed the debt in writing with XXXX XXXX XXXX within the statutory period. 

The handling of this account reflects inconsistent record management, failure to honor an agreed payment arrangement, and improper referral to multiple collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I used the XXXX credit card to purchase a ring in XXXXXXXX XXXX XXXXXXXX. I was aware it was a promotion and that the card was only interest free for XXXX XXXX. The interest rate would then kick in after that date, which I expected to be applied to the remaining balance, and received no indication otherwise on my statements or on the app. 

I intended to pay off the final balance this week, XX/XX/XXXX, with the expectation of an interest chard applied to the balance. This interest was more than 100 % of the remaining balance. My balance was {$390.00}. The interest charge was {$490.00}. 

I emailed and called the credit company to dispute this charge and ask for an opportunity to pay the full balance plus interest on the balance, but I was made aware that the interest applies to the full purchase amount, not the remaining amount. 

I was told this was very clear in the statement, even though it is absolutely not clear. I was told the red box on my statement indicates the interest charge, but it does not. It only informs the customer that interest will begin, not how it will be applied. 

I was told on page XXXX of my statements, that this was explained, but again, it is not clear if youre a normal person. I can see the interest rate of XXXX  %, but not an indication that this applies to the full purchase amount, and no calculation of that full amount with interest. 

After a long frustrating conversation, I gave up and am filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: PA

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts on my credit report, as they contain inaccurate and incomplete information. Please review the following details and take appropriate corrective actions to reflect accurate and updated data. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4500.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: NC

Complaint narrative:
I am writing to dispute certain entries on my credit report that I believe are inaccurate or incomplete. Below, I have outlined the accounts in dispute separated by each bureau : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$2300.00} Late Payments : XXXX  XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: NC

Complaint narrative:
I've received a notice from Professional Credit Service for an amount of {$3300.00} for an XXXX, XXXX XXXX debt in which I have no knowledge of. I currently do not use XXXX for any purchases. My identity has been stolen and I've filed multiple police reports for this same issue. The date of the letter is dated XX/XX/scrub>XXXX The individual I spoke with XXXX stated the debt occurred on the XXXX of XXXX in which again I did not do. The reference number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: AL

Complaint narrative:
Medicredit XXXX sent me a letter about {$200.00} being owed to XXXX XXXX I have already paid them the extra I owed after insurance using XXXX XXXX on XXXX so I know I paid everything and have {$0.00} left to owe I have no idea where they got {$200.00} I have to owe. I went to the hostpital on XXXXXX/XX/year> and I paid everything off when they sent me the bill. They sent me a letter from XXXX but I looked it up and it said the XXXX office is permanent closed so I am wondering if this is a scam or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: GA

Complaint narrative:
I am filing this complaint against Experian Information Solutions for repeated failures to comply with the Fair Credit Reporting Act ( FCRA ) in their handling of my disputes involving multiple third-party debt collectors, including but not limited to XXXX XXXX XXXX and other debt buyers.

I submitted written disputes requesting strict verification, including proof of ownership, chain of title, legal standing to collect, and authority to report. Instead of conducting a reasonable investigation as required under FCRA 611, Experian relied on automated responses and furnisher confirmations without requiring the furnishers to produce documented evidence of ownership. 
Experian continued to report these accounts despite the furnishers failure to provide : A complete chain of title from the original creditor A specific assignment or bill of sale identifying me and the account Proof of legal standing to collect or report The original contract or agreement Competent verification beyond internal data or computer screenshots This practice constitutes willful noncompliance, as Experian knowingly allows unverifiable information to remain on my consumer report while ignoring material disputes that directly challenge ownership and accuracy. 
Additionally, Experian failed to : Forward my full dispute and documentation to the furnishers Identify the actual method of verification used Correct or delete unverifiable accounts as required by law By continuing to report these accounts without substantiated proof of ownership, Experian is violating FCRA 607 ( b ), 611 ( a ), and 623, causing ongoing financial harm, credit denial risk, and emotional distress.

I am requesting that the CFPB require Experian to : Conduct a lawful reinvestigation requiring documented proof of ownership and standing Delete any account that can not be fully substantiated Cease reliance on automated or superficial verification methods Correct my consumer file to reflect only verifiable, accurate, and lawful information I reserve all rights to pursue additional remedies if these violations continue.

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 2025-12-29 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: FL

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
I have previously submitted a formal complaint to the Federal Trade Commission ( FTC ) concerning unauthorized inquiries on my credit report. The reference number for this complaint is XXXX, filed on XX/XX/XXXX of this XXXX. 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : Click or tap here to enter text. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report. 
Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your 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 2025-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
XXXX charged my debit card XXXX instead of the card given to them for payment. As soon as the notification came from XXXX we called them and they cancelled order and reversed charges within minutes of the initial charge. Order was re placed on correct card. I called XXXX  dept at bank and they said they would put a provisional credit which would take a day to show up. Meanwhile after midnight 3 overdraft fees were charged. They also told me the fees would drop off when either credit or reversal showed up on account. This was XX/XX/XXXX. Bank charged 5 more fees totaling XXXX XXXX by Sat morning. about XXXX XXXX Sat XX/XX/XXXX the reversal came through but they did not fees remained. I went into the bank and they told me that I had to wait until the bank batched out on Tuesday morning and they told me fees should come off then because with the unauthorized charge off the system would recalculate and show I had XXXX dollars and change in my account when the initial fees were charged. I requested a phone call twice on the app so I could discuss because I had to go out of state. I never received either callback. I need help as they seem unwilling to let go of those fees. I shut off me card and havent use my checking account since.

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 2025-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-29 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:
PRE-EMPTIVE IDENTITY VERIFICATION : To prevent a delay or closure of this complaint ( as occurred with Complaint # XXXX ), I have attached my identification documents directly to this submission. 

NOTE ON ADDRESS : My Driver 's License displays my former address. To verify my current address, I have attached two additional proofs : A current Paystub. 

A recent IRS Letter ( Government Correspondence ). My identity and current address are fully verified by these attachments. Do not close this complaint for verification. 

THE DISPUTE : I filed XXXX  XXXX Bankruptcy in the XXXX XXXX XXXX North Carolina ( Case # XXXX ). A Federal Discharge Order was entered on XX/XX/XXXX by XXXX XXXX XXXX XXXX. 

Despite this Federal Court Order, Equifax is willfully violating the FCRA and the Bankruptcy Code. They continue to report the following accounts as " Charge-Off, '' " Bad Debt, '' or with " Past Due '' balances in XX/XX/XXXX, rather than the legally required " Discharged in Bankruptcy / {$0.00} Balance '' status : Ally Financial ( Reporting " Charge-Off '' ) XXXXXXXX XXXX XXXX ( Reporting `` Bad Debt/Collection '' ) XXXX XXXX ( Reporting " Charge-Off '' ) XXXX XXXX XXXX ( Reporting " Charge-Off '' XXXX XXXX XXXX ( Reporting " Bad Debt/Collection '' ) XXXX EVIDENCE OF ERROR : XXXX XXXX admitted in writing ( email attached ) that my account was sold to XXXXXXXX XXXX in XXXX. Yet, Equifax allows XXXX to report a " Charge-Off '' in XX/XX/XXXX. This is factually impossible and proves Equifax is not verifying data accuracy. 

This incorrect reporting directly caused me to be denied auto refinancing applications on XX/XX/XXXXXXXX XXXX XXXX by XXXX XXXX XXXX XXXX, NC XXXX, and XXXX  XXXX. My XXXX  and XXXX  reports are reporting correctly ( {$0.00} Balance/Discharged ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
CFPB Complaint Narrative In XX/XX/year>, Bank of America closed my consumer credit card account without providing proper written notice to my current mailing address. At or around the time of closure, Bank of America also terminated my online account access, preventing me from viewing billing statements, monitoring the account, making payment elections, or submitting disputes. 

Despite closing the account and denying access, Bank of America continued to automatically withdraw approximately {$420.00} per month from my personal bank account for several months following closure. These electronic withdrawals continued while I was denied access to billing statements, account disclosures, or the ability to manage or revoke payments through standard servicing channels. 

I did not receive periodic billing statements or legally required disclosures after account closure, nor was I provided proper notice explaining the closure, outstanding balance, or available dispute and repayment options. 

During this same period, Bank of America reported the account as charged off to the consumer credit reporting agencies while simultaneously continuing to collect payments through automatic withdrawals. 

On XX/XX/year>, after contacting Bank of America, the automatic withdrawals were finally stopped. Bank of America advised that it is now reviewing whether any of the post-closure withdrawals will be refunded. 

The remaining reported balance is approximately {$12000.00}, and the account remains reported as a charge-off. 

I am requesting regulatory review of Bank of Americas servicing practices, including : Failure to provide required billing statements and disclosures Denial of reasonable account access Continued electronic withdrawals after account closure Improper charge-off reporting during defective servicing Failure to provide proper notice of closure and consumer rights I am requesting corrective action, refund review, balance and fee correction, and correction or deletion of negative credit reporting resulting from these servicing failures.

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 2025-12-29 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: IL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
MIDLAND CRED is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CRED is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

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 XXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: CA

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief