vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding incorrect credit reporting and improper billing by Comenity Bank on my XXXX  credit card. 

On XX/XX/year>, I attempted to make my payment on time but was unable to do so because Comenitys website was experiencing a system outage. I contacted Comenity by phone and completed the payment with a customer service representative. Because the delay was caused by Comenitys system failure and the payment was still made on the due date, I was assured that the late fee would be waived. 

During another call with Comenity on XX/XX/year>, I was informed by another representative that the removal of a late fee is a two-step process. The original representative completed only the first step, removing {$15.00}, but failed to complete the second required step of removing the remaining {$15.00} the following day. As a result, a {$15.00} balance remained on my account without my knowledge. 

Because this remaining fee was never properly removed, interest accrued over several months, ultimately totaling {$180.00}. I was unaware of this error until months later. During this time, Comenity reported 30-day, 60-day, and 90-day late payments to the credit bureaus based solely on this incorrect balance. 

During my most recent call on XX/XX/year>, the Comenity representative reviewed my full account history and confirmed that this situation should not have occurred, that the fee and resulting interest should never have been charged, and that my credit should not have been negatively affected. I was also advised by this representative to file a complaint with the CFPB so that a formal investigation could be conducted, including review of recorded phone calls documenting Comenitys error and failure to complete the promised fee removal. 

I attempted to resolve this matter directly with Comenity and submitted a written goodwill request in XXXX. That request was denied on XX/XX/XXXX despite Comenitys own acknowledgment of a servicing error. I ultimately paid the {$180.00} in interest on XX/XX/year>, solely to stop further damage, even though these charges were not the result of any failure on my part and Comenity still refused to resolve this matter. 
This negative reporting and improper billing were caused entirely by Comenitys system outage and internal processing failure, not by any failure on my part. I made good-faith efforts to pay on time and to resolve this issue directly. I am requesting CFPB assistance to ensure Comenity corrects the financial and credit harm caused by its own error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am not associated with the mentioned accounts and request their removal within 15 days under USC 1681g.

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 2025-12-23 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: CA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe to be inaccurate or incorrectly reported : Charged Off Accounts : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00} XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} Please investigate and correct any discrepancies. I request that these accounts be updated or removed from my credit report if they are found to be inaccurate. 

Late Payments : XXXX XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please investigate these late payments and correct any discrepancies.

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 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am filing a formal complaint regarding the closure of my Chase credit card account, which Chase indicates occurred in XXXX, without proper notice. 

While traveling overseas in XXXX, my credit card transactions were repeatedly declined. When I contacted Chase by phone, I was informed for the first time that my account had already been closed. I received no prior notice by mail, email, secure message, or phone. Chase later claimed a letter was sent in XXXX, which I did not receive. 

Despite the account being allegedly closed in XXXX, in XXXX Chase accepted a transfer of reward points from my husbands Chase account into mine without disclosing that my account was closed, leading us to reasonably believe the account was still active. 

My account held a substantial balance of reward points, which were taken without notice. Despite multiple attempts to resolve this matter, Chase provided no meaningful assistance and returned only my husbands transferred points, not my own. 

The lack of notice, conflicting account activity, and failure to respond to repeated inquiries caused unnecessary disruption and potential financial and credit-related consequences. I am requesting the full restoration of my accumulated reward points or an equivalent remedy. 

I request : A written explanation for the account closure Proof of delivery of any notice sent Full restoration of my forfeited reward points or an equivalent resolution Confirmation of credit bureau reporting Please respond in writing within a reasonable timeframe. 

XXXX XXXX, XXXX XXXX ( XXXX XXXXXXXX ) XXXX Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: VA

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: FIRST NATIONAL BANK OF OMAHA
State: MA

Complaint narrative:
On XX/XX/year>, I applied for the Amtrak credit card issued by FNBO. 

On XX/XX/XXXX, I received a notice that my application was declined, and that a letter would be arriving in the mail in 10-14 business days, where I could see the reasons for the decline. 

On XX/XX/XXXX, I called FNBO and spoke to a customer service representative XXXX. I explained to her that I had never received the letter, and she was able to resend another letter out. 

On XX/XX/XXXX, I received the letter, which was dated XX/XX/XXXX. The letter stated that the reason for the decline was that " identifying information does not verify ''. 

On XX/XX/XXXX, I called FNBO and reached XXXX again. She explained to me that the bank can not disclose the reasoning beyond what was stated in the letter. I told her that the letter had my correct name and address. Also, for identify verification, she asked me for my date of birth and last 4 digits of my social security number. Therefore, if she was able to verifying my " identifying information '', how was it that my identifying information, according to the bank, did not verify? I suspected that there were some discriminatory practices in their approval process, so I informed them that I would be filing a CFPB 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 explanation
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges. 
On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DPEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-12-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure. 
4. An itemized statement breaking down the balance you claim I owe. 
5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-12-23 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-12-23 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: CA

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8200.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6500.00} XXXX XXXX SYS Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$160.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$450.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$360.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXXXXXX Account XXXX XXXX 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 explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Professional Credit Management, Inc
State: IL

Complaint narrative:
I noticed a medical debt I didnt recognize on my credit report resulting in bad credit score. I tried to send a letter but they havent responded

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts that I believe to be inaccurate or incorrectly reported : Charged Off Accounts : XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$770.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1600.00} Please investigate and correct any discrepancies. I request that these accounts be updated or removed from my credit report if they are found to be inaccurate. 

Late Payments : XXXX XXXX XXXXXXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Please investigate these late payments and correct any discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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 am filing this complaint as a consumer regarding inaccurate and unverified information on my Experian credit report. 

Inquiries in Dispute ( Experian ) I am disputing the following credit inquiries, as I do not recall authorizing them and Experian has not provided proof that these inquiries were made with my permission or a valid permissible purpose : XXXX XXXX XXXX XX/XX/year> XXXX XXXX  ( XXXX XXXX XXXX  ) XX/XX/year> I am requesting that Experian either provide written proof that I authorized these inquiries or remove them from my credit report. 

At this time, I am not disputing any charged-off accounts with Experian.

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 2025-12-23 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: LA

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 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Adjusters, LLC
State: OK

Complaint narrative:
I paid this debt with NCA with the understanding that the account would not show on my credit report anymore. NCA led me to believe this account was to be fully deleted from reporting to my credit upon issuing payment. I am working with a mortgage lender to apply for a home loan, and representatives from NCA keep telling XXXX that the account is to stay on my report. I need this account deleted ASAP, per our settlement agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
Experian and XXXX has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX has neither corrected nor removed disputed 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 and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-12-23 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: EQUIFAX, INC.
State: MN

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 response to consumer: Closed with explanation