vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-11 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I want to share my experience to warn other consumers about how the financing offered at El Dorado Furniture with the BluCard actually works. When you buy furniture at El Dorado, the salespeople offer you the BluCard with the promise ofXX/XX/XXXX interest foXX/XX/XXXX months. They present it as if there is simply no interest during that time and that after theXX/XX/XXXX months they would only begin charging interest on whatever balance remains. However, what they do not clearly explain is that this is a deferred interest system. This means that if you do not pay the full balance within the XX/XX/XXXX months, in month XXXX they charge you all the accumulated interest from the very first day of the purchase at once, as if theXX/XX/XXXXpromotion never existed. In my case, after only XX/XX/XXXX months of reviewing my account, I realized that they had already added XXXX full years of interest to the balancesomething that was never explained by the salesperson at the time of purchase. In addition, they strongly encourage you to use paperless billing, which in practice causes many people to never carefully review their statements. This makes it easier for customers not to realize how the financing actually works until it is too late. When you try to seek help or any type of program to resolve the situation, BluCard offers no solutions, and El Dorado Furniture simply says that everything is written in the documents, even though their salespeople never clearly explain those conditions at the time of the sale. To me, this constitutes a deceptive practice where the key information is technically written in the contract but is not communicated transparently to the consumer. Another observation is that, conveniently, even though I was enrolled in paperless billing, they sent a physical letter to make sure I knew the account was going to close but that the payments would remain the same, that I didnt have to do anything and just continue making my payments. However, they never sent a warning letter stating that the promotion would expire and that the charge would be more than XXXX times my balance at that moment. Unfortunately, in my experience, neither El Dorado Furniture nor BluCard showed respect for the consumer or transparency in how this financing is presented.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: FL

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 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 l

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 2026-03-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: PA

Complaint narrative:
Debt is being re-aged. Actual debt it over XXXX XXXX XXXX. Have been disputing for maybe 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 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: FL

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 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 l

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 2026-03-11 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:
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 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 l

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
An unauthorized transaction was made on my account for {$140.00} from a XXXX based company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL 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 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
Validation of Debt Request - CREDIT COLLECTION SERV - XXXXXXXX XXXX XXXX I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of collection accounts being reported by Midland Credit Management on my credit reports. After reviewing my credit reports, I discovered that these accounts are being reported inconsistently across the credit bureaus. For example, XXXX reports the account as an open account with a payment status of 120 days late, while XXXX XXXX XXXX report the same account as a collection account with a chargeoff status. These conflicting classifications raise serious concerns about the accuracy of the information being furnished. Additionally, the date opened for these accounts is reported differently across credit bureaus. For example, one account is reported as opened on XX/XX/XXXX on XXXX XXXX XXXX reports the date opened as XX/XX/XXXX. Another account is reported as opened on XX/XX/XXXX on XXXX but XX/XX/XXXX on XXXX. These discrepancies clearly demonstrate that the information being reported is inconsistent and may not have been properly verified. Furthermore, Midland Credit Management is a debt buyer and not the original creditor. As such, they must maintain documentation proving their legal ownership of the alleged debt and the accuracy of the account-level information being furnished to the credit bureaus. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers of information are required to report accurate and complete information and must conduct a reasonable investigation when disputes are received. Because the reporting of these accounts is inconsistent across the credit bureaus and because Midland Credit Management has not provided documentation proving the validity of the alleged debt or their legal authority to report it, I am requesting that these accounts be permanently deleted from my credit reports. If Midland Credit Management believes the accounts are accurate, please provide documentation including the chain of assignment, account-level documentation from the original creditor, and proof of ownership of the alleged debt. If this information can not be provided, these accounts should be removed from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, {$17000.00} was fraudulently withdrawn by a fraudster from my savings and checking account with Citibank. I filed two disputes with Citibank on XX/XX/year>, at which time I was told a provisional credit for {$17000.00} would be credited to my account. Repeatedly reached out to Citibank about this, and have yet to hear back regarding the progress of this 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 monetary relief
Consumer complaint received 2026-03-11 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: Bilt Technologies, Inc.
State: IL

Complaint narrative:
I am writing regarding a serious issue with my recent rent payment requests through Bilt Rewards. Approximately XXXX weeks ago, I submitted a rent payment request for {$1700.00} to be sent via check. As of today, that payment still has not been processed. Because of the delay, I attempted to submit the same rent payment again on Thursday, XX/XX/XXXX for the same amount of {$1700.00}. However, this payment also does not appear as submitted or pending in my XXXX account. This situation is extremely concerning to me. I rely on XXXX to process my rent payments properly, and right now there is no visibility into whether either payment request will go through. I am particularly worried about the possibility that both payments could eventually process at once, resulting in {$3400.00} being withdrawn from my bank account. There is no customer service number to speak with a XXXX representative over the phone. Just an AI chatbot. I need immediate clarification on the following : The status of both rent payment requests Confirmation that I will not be charged twice Immediate cancellation of any duplicate payment request if both are still pending internally Beyond the payment issue itself, I want to express my deep disappointment with the lack of clarity and responsiveness regarding this problem from BILT Rewards. XXXX of XXXX 's cofounders is an alumnus of XXXXXXXX XXXX as am I, and it is especially frustrating to see a company associated with fellow alumni place a customers income and finances in jeopardy due to poor communication and customer support. Given this experience, I would also like to formally request the following from XXXX : 1. Downgrade my current XXXX card to the XXXX card immediately, 2. Refund the annual fee associated with the XXXX card due to the poor customer service and payment processing issues I have experienced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SinglePoint GI
State: GA

Complaint narrative:
I am disputing a collection account being reported by General Revenue Corp on my credit report. The account is reporting an open balance of {$1500.00} and indicates that the original creditor is General Revenue Corp. However, General Revenue Corp is a collection agency and not the original creditor of any consumer debt. This reporting is inaccurate and misleading. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies and furnishers are required to report information that is accurate and complete. Reporting a collection agency as the original creditor fails to properly identify the source of the alleged debt and prevents me from verifying the legitimacy of the account. I have not been provided with proper documentation identifying the true original creditor, the account agreement, or proof that this debt belongs to me. Because the tradeline contains inaccurate and incomplete information, it does not meet the standards of accuracy required under the FCRA. I am requesting that this account be investigated and removed from my credit report if the furnisher can not provide proper documentation identifying the true original creditor and verifying the accuracy of the reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2026-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
I am filing this complaint regarding Navy Federal Credit Union denying and banning me from opening an account due to an alleged fraudulent account that I did not open. I recently attempted to become a member of Navy Federal Credit Union and was informed that I am permanently banned from opening an account due to a prior account that was allegedly associated with fraud. However, I have no knowledge of this account and did not authorize anyone to open an account in my name. This situation strongly suggests that I may have been a victim of identity theft or that an account was opened using my personal information without my knowledge or consent. Navy Federal has failed to provide me with any documentation proving that I opened or authorized this account. Under the Fair Credit Reporting Act and federal consumer protection laws, I have the right to dispute inaccurate information and to receive documentation supporting any adverse action taken against me. I am requesting the following : 1. Written documentation of the alleged fraudulent account that XXXX XXXX claims is associated with my identity. 2. A full investigation into the account that was allegedly opened in my name. 3. Removal of any internal fraud flags, ChexSystems reporting, or other banking system reports that incorrectly associate me with fraudulent activity. 4. Immediate reconsideration of my eligibility to open a membership account with Navy Federal Credit Union once the investigation confirms that I did not open this account. Being unfairly banned from a financial institution due to fraudulent activity that I did not commit is causing harm to my financial reputation and ability to access banking services. I request a prompt and thorough investigation into this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I havFinancial e serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BANKRUPTCY XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation