vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am disputing the accuracy of a repossession account from XXXX XXXX that is being reported on my Equifax credit report. 

In XX/XX/scrub> 2025, I sent a written dispute to XXXX XXXX requesting validation and clarification of the reported balance. XXXX never responded to my request. 

However, prior to that, XXXX had sent me a letter stating that my vehicle was scheduled to be sold in XX/XX/year>2025. Despite this, Equifax continues to report the full repossession balance as if no sale has taken place. 

On XX/XX/scrub> 2025, Equifax verified the account as accurate without correcting the balance or addressing the fact that XXXX provided conflicting information. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) because : Equifax failed to conduct a reasonable investigation into my dispute. 

The account is being reported inaccurately, since the collateral ( vehicle ) was scheduled for sale months ago and the reported balance should reflect that.

XXXX  has not provided documentation or verification to me directly despite my request.

Requested Resolution :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Good evening, I recently opened and XXXX XXXX credit card thru Comenity bank and at the time of my purchase I asked the sales person to put my purchase on a promotional plan of zero percent interest for 12 months. Upon receipt of my first billing statement I noticed I had been charged interest, I called Comenity and was instructed to return to the XXXX XXXX I made my purchase from and have the purchase voided and re-rung under the correct promotional plan and the interest charge would be reversed. I did as I was instructed and was subsequently charged interest for another month. I called Comenity back again and was told that since the original purchased had billed again before I returned to the store to have the purchase put on the correct plan, that no interest charges could be reversed, but that I would not be charged interest going forward, now here I am three months later and I have documentation on my receipt that my purchase should be put on a promotional plan and I am still being charged interest! Please help me rectify this situation and cite Comenity bank for improper credit practices and deceiving lenders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-28 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: GA

Complaint narrative:
I LOOKED XX/XX/XXXX MY CREDIT REPORTS AND NOTICED SEVERASL ACCOUNTS OPENED IN MY NAME WITH OUT MY CONSENT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I purchased a new laptop from XXXX using their store credit card in XX/XX/year>. A few weeks after purchase, an electrical component in the screen failed, rendering the computer unusable. I sent the laptop back to XXXX at the end of XXXX, as it was unusable and under warranty. They have still been reporting missing payments to all XXXX credit bureaus, and my credit score is being negatively impacted by this issue. I have proof that the computer was delivered back to XXXX on XX/XX/XXXX, with an employee signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I purchased a new laptop from XX/XX/XXXXusing their store credit card in XX/XX/year>2025. A few weeks after purchase, an electrical component in the screen failed, rendering the computer unusable. I sent the laptop back to XXXX at the end of XXXX, as it was unusable and under warranty. They have still been reporting missing payments to all XXXX credit bureaus, and my credit score is being negatively impacted by this issue. I have proof that the computer was delivered back to XXXX on XX/XX/XXXX, with an employee signature.

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I purchased a new laptop from XXXX using their store credit card in XX/XX/year>2025. A few weeks after purchase, an electrical component in the screen failed, rendering the computer unusable. I sent the laptop back to XXXX at the end of XXXX, as it was unusable and under warranty. They have still been reporting missing payments to all XXXX credit bureaus, and my credit score is being negatively impacted by this issue. I have proof that the computer was delivered back to XXXX on XX/XX/XXXX, with an employee signature.

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 2025-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Back in XX/XX/year>2025 my husband signed his check he got from XXXX XXXXy and asked me to deposit in my account. The bank saw that the check wasn't in my name and held the check and I tried to fix the issue by having my husband come in with his license to prove it was his and it wasn't fraud and they still wouldn't release the funds. they said its under investigation and they have to hold it to see if someone claims it but it is a government issued check. we tried reporting to social security but it looks like the bank cashed the check but did not release it. And then they closed my account. They have still yet to send me bank the funds or even send back to social security so they can reissue a new check to my husband.

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 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to turn you in to immigration or deport you
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
i am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: OH

Complaint narrative:
On XX/XX/year>2025, Hunter Warfield received my certified mail request formally requesting debt verification/validation pursuant to my rights under the Fair Debt Collection Practices Act. Within the same correspondence, I also extended a good-faith offer to discuss settlement should the alleged obligation be legitimately attributable to me. I provided full and accurate contact information. 

To date, I have not received any form of responsewhether by mail, telephone, or electronic communication. This lack of correspondence constitutes a failure to validate the debt as required and has left me unable to confirm whether any alleged balance is legally mine to address. 

As a result, this unresolved and unverified reporting has directly interfered with my ability to secure safe and stable housing for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XX/XX/year>, Consumer Financial Protection Bureau ( CFPB ) Subject : Dispute of Inaccurate Collection Account To Whom It May Concern, I am submitting this complaint regarding a collection account that appears on my credit report under my name, XXXX XXXX. 

I dispute this account because : 1. I do not recognize this debt as valid and I have never entered into any agreement with the collection agency reporting it.

2. The original creditor has not provided documentation that verifies this debt belongs to me.

3. I have already attempted to resolve this directly with the credit bureau ( s ) and the furnisher, but the account remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: IN

Complaint narrative:
I was in and out of the hospital and it has made it really hard to work I am back into work and willing to make payments if we could lower the payment amount I take care of XXXX children on my own and we are getting into a house I can not afford to keep paying this can we please work out a payment plan

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 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
After having tried numerous times in XXXX to SPEAK to someone in person, the automated system connect me to an agent, I was unable to get my problem resolved through the automated system. I was never allowed to SPEAK to someone.

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 2025-09-28 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:
I am disputing the information listed in this complaint as it appears on my credit profile. I want to validate the debt to prove it belongs to me, XXXX XXXX. Please note that verification of the account is not validation. If the debt can not be validated, I want the negative item removed from my credit profile immediately. This request is made pursuant to FCRA 605B, codified at 15 U.S.C. 1681c-2. 

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: WA

Complaint narrative:
XX/XX/scrub> 2022 While living in XXXX XXXX, WA I paidXX/XX/XXXX months in advance for services and equipment for cell phone/internet/TV from XXXX, for an XXXX I was moving to in XX/XX/XXXX, WA in XXXX 2022 . Upon receiving, I was NEVER able to use equipment due to no service in the area. I had to go to lobby to use XX/XX/XXXX wifi to call XXXX XXXX almost daily, SEVERAL times a day in effort to get service. After arguing for several weeks, XXXX finally sent me XXXX return shipping label, with instructions stating phone and router needed to be boxed separately. I made a copy of the shipping label, boxed the router and phone along with accessories for each, and returned them via either XXXX or XXXX whichever carrier they chose. XX/XX/XXXXowes me a REFUND. I owe them nothing.

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 2025-09-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc 1666B : a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am writing to formally dispute the validity of the debt you claim I owe. I request that you provide me with the necessary documentation to validate this debt as required under the Fair Debt Collection Practices Act. Since this debt is disputed pursuant to the fair debt collection practice act you are required to cease all collection to the alleged that including reporting to my consumer report with XXXX, XXXX XXXX, and XXXX. 

Please provide me with the following information : XXXX. The amount of the alleged debt. 
XXXX. The name of the original creditor. 
XXXX. Documentation that proves I am legally obligated to pay this debt. ( contract with signature signed by me ) XXXX. Any other information required to validate this debt. 

Until I receive the requested validation, please cease all collection activities related to this account. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Tesla, Inc.
State: GA

Complaint narrative:
Issue : A duplicate Tesla lease account is appearing on my creditXXXX  profile even though I have only one vehicle/lease. The duplicate account was never delivered to me, but it is being treated as active and is approaching a 30-day late status. 

Key dates & amounts ( approx. ) : XX/XX/XXXX : Took delivery of my single Tesla vehicle and began making payments on that lease only. 

XX/XX/XXXX : My XXXX  account displayed You owed {$500.00} on XXXX TESLA XXXX XXXX XXXXXXXX, which corresponds to a second/duplicate vehicle I never received. 

XX/XX/XXXX : I contacted Tesla Financial Services and XXXX multiple times by phone ; each referred me to the other without resolution. 

Actions Ive taken : Emailed Tesla support teams titled Urgent Duplicate Lease Contract showing in my XXXX Account at : XXXX XXXX XXXX Called XXXX  and Tesla on numerous occasions to request : - Written confirmation that the duplicate account/vehicle was an error and was never delivered. 

- Immediate correction/suppression of the duplicate tradeline so it does not report a 30-day late.

- Filed disputes with the credit bureaus identifying the account as inaccurate/duplicative. ( This i did 2 days ago, after not getting any feedback from either companies ) Harm/Risk : The duplicate account may report a 30-day late even though I do not owe on a second vehicle, which would unfairly damage my credit.

Requested resolution : Immediate suppression/correction of the duplicate account so it can not report late while under investigation.

Removal of the duplicate tradeline and any late-payment notation associated with it. 

Written confirmation of the correction sent to me and to all credit bureaus. 

If any negative marks posted, a prompt update to reflect accurate reporting and removal of derogatory data.

Notes : I continue to make timely payments on the one valid Tesla lease corresponding to the vehicle I took delivery of. The duplicate account reflects a vehicle I never received.

Duplicate account : Balance : {$17000.00} Expected payment : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am formally disputing the accuracy of the XXXXXXXX XXXX XXXX XXXX XXXX account being reported on my credit file. After reviewing reports from XXXX, XXXX, and Equifax, I have identified material inconsistencies and inaccuracies in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and the duty of accurate reporting under 1681s-2 ( a ).

Specifically : XXXX  reports the account as Closed / Charged Off / Profit and Loss Writeoff, balance {$45.00}.

XXXX  reports the account as Open with 4 late payments, balance {$30.00}, past due {$20.00}. 
Equifax reports the account as Closed / Charged Off, balance {$45.00}, with 5 late payments.

This account can not simultaneously be open, closed, and charged off. Furthermore, the balance and payment history are reported differently across all three bureaus. These contradictions render the reporting inherently inaccurate and misleading, violating FCRA 607 ( b ) which requires maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-28 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:
I am disputing the information listed in this complaint as it appears on my credit profile. I want to validate the debt to prove it belongs to me, XXXX XXXX. Please note that verification of the account is not validation. If the debt can not be validated, I want the negative item removed from my credit profile immediately. This request is made pursuant to FCRA 605B, codified at 15 U.S.C. 1681c-2.

Account Name : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Imperium Lending, LLC
State: MT

Complaint narrative:
Hi there I just want to file a complaint on getting a refinance threw IMPERIUMLENDING and during the refinance procedure they told me not to make the two months payment per it would screw up the pay off of my exciting loan. During this refinance the whole loan process went bad when they told me I had to come up with the two months of payments that they told me not to pay put me behind and caused them not to move forward on the refinance witch they were at fault telling me not to make the payments. Now it is on my credit report and cant get refinanced anywhere. If I could get help on this matter I would appreciate it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-28 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: IN

Complaint narrative:
In XX/XX/year>, I requested validation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account that Equifax is reporting. I asked for proof that the debt is mine, including the original contract, billing records, account history, and the method of verification used. The collection agency never provided validation.

Despite this, Equifax continues to report the account as active and unpaid. I can not properly dispute it in Equifaxs dispute center the account does not appear in the dispute portal, and I can only access it by navigating through the sidebar under Collections. 

I previously filed CFPB complaints in XXXX ( e.g., XXXX ). Equifax closed the case by demanding that I mail in documents instead of processing the dispute electronically, which creates an unfair barrier because I do not have access to mail service. They have failed to complete a reinvestigation within 30 days as required by FCRA 611 ( a ) ( 1 ).

This account remains unverified and is causing direct harm, including denial of safe housing and other opportunities. I request immediate deletion of this account from my credit report in accordance with FCRA and FDCPA, and enforcement action for Equifaxs repeated failure to conduct a lawful 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 explanation