vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-26 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I am submitting this complaint regarding Comenity Banks handling of my promotional purchase plan, which I believe constitutes deceptive and predatory lending practices. 

On XX/XX/XXXX, I made a {$3000.00} promotional purchase under a 0 % XXXX XXXX plan ( Payment Plan # XXXX ), set to expire on XX/XX/XXXX. Under the terms of the agreement, the full balance was required to be paid in full prior to the expiration date in order to avoid deferred interest charges. 

I fulfilled my obligation and paid the entire {$3000.00} balance before XX/XX/XXXX. However, Comenity improperly applied {$280.00} of that payment to a different promotional plan on the same accountPayment Plan # XXXX, which does not expire until XX/XX/XXXX. 

Per Comenitys own stated policy and standard lending practices, payments must be applied first to promotional balances expiring sooner, not later. There was no justification for diverting {$280.00} to the later-expiring plan. As a result of this misallocation, Comenitys system falsely reflected a remaining balance of {$260.00} on the earlier plan. At the expiration of the promotional plan that expired on XX/XX/XXXX, this error that incorrectly left a {$260.00} remaining balance triggered the assessment of all accrued deferred interest on the {$3000.00} purchase, which Comenity then added to my balance, continuing to charge additional interest going forward.

In summary, I met all obligations of the promotional plan by paying in full before the expiration date. Comenitys misapplication of fundswithout notification or consentmanufactured a false delinquency and resulted in the improper assessment of interest and fees, effectively penalizing me for an error of their own making.

I am requesting the removal of all retroactively applied deferred interest and associated fees, a correction of my account balance, and written confirmation of these adjustments.

Attached are supporting statements and payment records reflecting : - The {$3000.00} promotional purchase dated XX/XX/XXXX - XXXX timely payment history totaling {$3000.00} prior to XX/XX/XXXX - The improper reallocation of {$280.00} to a later-expiring plan, thereby leaving {$260.00} on the sooner-expiring plan to then trigger a " not paid in full '' result of total accrued interest being added. 

Thank you for your attention to this matter. I request that the CFPB investigate Comenity Banks payment application practices, as this appears to be a systematic issue that may impact other consumers as well.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-26 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: NV

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO FEDERAL 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 explanation
Consumer complaint received 2025-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I deposited four XXXX XXXX money orders ( each for {$500.00} ) into my landlords Truist Bank account on XX/XX/year>. On XX/XX/XXXX, Truist returned all four money orders with the stamp XX/XX/XXXX to XXXX. 

The serial numbers of the money orders are : XXXX XXXX XXXX XXXX The agent number where the money orders were purchased is XXXX ( XXXX store in XXXXXX/XX/XXXX 

Truist has not provided any explanation for this return or confirmed whether they actually sent the items back to XXXX XXXX. The only reason I have copies of the returned instruments is because my landlord later obtained the originals from the bank. 

It remains unclear whether Truist ever transmitted the XXXX to XXXX items to XXXX XXXX or simply marked them internally. This lack of communication and traceability caused the loss of {$2000.00}.

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 2025-10-26 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:
XXXX is reporting a charged-off account ( Account Number : XXXX XXXX XXXX XXXX  ), but I have not received any certified documentation verifying the validity, ownership, or accurate delinquency timeline of this alleged charge-off. The company reports this account as a loss/charge-off, yet no proof has been provided to demonstrate that the debt was validly assigned, properly calculated, or confirmed through certified billing records. 

There are inconsistencies in reporting across the credit bureaus regarding the last payment date and the reason for account closure. Some bureaus list it as Charged off as bad debt, while others state it was Closed due to inactivity or Accounts closed by credit grantor. These discrepancies raise serious concerns about the accuracy and completeness of the furnished data.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681s-2 ( a ) ( 3 ) ), furnishers must ensure maximum possible accuracy and report only verified and complete information. If the account was transferred or reassigned, proper validation must be provided in compliance with the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). 

Since no verifiable documentation has been provided to support the legitimacy, ownership, or accuracy of this charge-off, I am disputing this derogatory entry as potentially unverifiable and misleading.

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 2025-10-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
This consumer said that got cell phone from them but I never tried to receive phones From this company

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: DISCOVER BANK
State: GA

Complaint narrative:
I am filing this complaint because an account appearing on my credit report is connected to an address I have never lived at or seen before. I wrote a letter to the creditor requesting verification of the debt and documentation showing what address and identifying information were used to open the account. Despite my request, I have not received any proof that the account belongs to me. This situation is affecting my credit, and I believe the furnisher may be reporting inaccurate information in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am asking that the CFPB assist in ensuring the furnisher provides verification or removes the account if it can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/year>, I contacted Citibank to check the status of an IRS Form XXXX that was requested for income verification. I had already submitted the form twice, but each time Citi rejected it due to small clerical errors the first missing the tax-year field, and the second missing a checked box even though it was signed and dated. During that call, the representative informed me that because the IRS had rejected both forms, all of my Citi credit-card accounts would be permanently closed by an automatic system process. 
These closures included four active accounts, among them my Citi XXXX XXXX card, for which I had already paid a {$590.00} annual fee. I was only able to use the card for about a month and a half before Citi placed a block on it due to the 4506-C verification review. The account then remained blocked for nearly two months before ultimately being closed, preventing me from using it for even a full year. I also lost access to approximately XXXX Citi ThankYou Points, which have an estimated cash value of {$3000.00}. 

I was told I would receive a closure letter explaining the decision, but no letter or email was ever sent. When I called again on XX/XX/year>, I was told that all of my accounts were permanently closed by Citis automated system due to incomplete income verification, and that no written confirmation would be provided. I was only advised to contact the ThankYou Points department, which could not restore the points since the accounts were already terminated. 

Because these closures were procedural and not based on risk, delinquency, or fraud, I believe Citis actions were excessive and unfair. At no point was I informed that submitting the 4506-C form incorrectly twice would result in the permanent closure of all my accounts. I was only told another form would be sent for me to correct and resubmit. Citi provided only two opportunities to fix minor clerical errors and did not allow a third submission or offer any alternative way to verify my income before taking irreversible action. 

As a result, I lost significant account benefits, rewards, and the ability to continue an ongoing {$1300.00} dispute that another bank ( XXXX XXXX XXXX XXXX ) has already resolved in my favor. In total, the closures resulted in approximately {$4900.00} in combined financial losses due to the forfeited points, the unused annual fee, and the unresolved dispute.

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 2025-10-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX  | XXXX : XXXX My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ).. The items are : XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Closed Auto Loan | Collection/Chargeoff | Balance {$13000.00} Violations : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) ; FCRA 611 ( a ). XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  | Unsecured Loan | Closed | Collection/Chargeoff | Balance {$3000.00} Violations : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) ; FCRA XXXX. XXXX Acct # XXXXXXXX XXXX | Collection/Chargeoff | Closed | Balance {$10000.00} | Original Creditor : XXXX XXXX XXXX : FCRA 609 no contract disclosure ; FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ). You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. Please provide the following within XXXX  days : XXXX. Original signed contract or agreement showing I am legally obligated. XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). XXXX. Name and address of the original creditor, if different from your agency. XXXX. Proof of your license/authorization to collect debts in my state. XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to TransUnion, Equifax, and Experian. If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General.

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 2025-10-26 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : XXXX  | XXXX : XXXX My name is XXXX XXXX and I'm Begging for your help, I'm NOT A COMPANY! You should have more than enough time to remove these inaccurate accounts from my credit report! Stop ignoring my disputes I need real help!! I request to remove inaccurate, incomplete, misleading, unverifiable, or obsolete info and must be deleted or fully validated on my credit report as quickly as possible under the Fair Credit Reporting Act ( FCRA 609, 611, 623 ) and the Fair Debt Collection Practices Act ( FDCPA 807809 ).. The items are : XXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  | Closed Auto Loan | Collection/Chargeoff | Balance {$13000.00} Violations : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) ; FCRA 611 ( a ). XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  | Unsecured Loan | Closed | Collection/Chargeoff | Balance {$3000.00} Violations : FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ) ; FCRA XXXX. XXXX Acct # XXXXXXXX XXXX | Collection/Chargeoff | Closed | Balance {$10000.00} | Original Creditor : XXXX XXXX XXXX : FCRA 609 no contract disclosure ; FCRA 623 ( a ) ( 1 ) ( A ) ; FDCPA 809 ( b ). You are hereby notified that I dispute these debts in entirety. Until you provide complete validation, you must cease all collection activity, including reporting this account to any credit bureau. Please provide the following within XXXX  days : XXXX. Original signed contract or agreement showing I am legally obligated. XXXX. Full itemized accounting of the debt ( all charges, payments, interest, fees ). XXXX. Proof of assignment or ownership of the debt ( chain of title from the original creditor through every transfer ). XXXX. Name and address of the original creditor, if different from your agency. XXXX. Proof of your license/authorization to collect debts in my state. XXXX. Proof of accuracy in credit reporting, including the method of verification you used to furnish data to TransUnion, Equifax, and Experian. If you can not fully validate each account Immediately delete all references to each account from all credit reports. Cease collection activity permanently. Failure to comply will result in formal complaints with the CFPB, FTC, and State Attorney General.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-26 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: LA

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate or unverifiable accounts reporting under Experian. 

The first account, XXXX XXXX XXXX, appears on my Experian report as a closed credit card with XXXX reported late payment. This information is inaccurate. The account was paid in full and closed at my request, yet Experian continues to report a derogatory mark that is false and damaging to my credit profile. Under FCRA 611 ( a ) ( 1 ) ( A ), Experian is required to ensure the completeness and accuracy of all consumer information it maintains. I have verified that the late payment never occurred and was posted in error. 

The second account, XXXX Bank ( XXXX XXXX Secured Card ), was never authorized to report in my consumer file under my identity. I did not XXXX XXXX Bank permission to open or report this account to Experian. This violates FCRA 605B ( Identity Theft and Fraudulent Accounts ) and 611 ( a ) for failure to block and delete unverifiable accounts after dispute. 

I have attached supporting documentation, including my FTC Identity Theft Report, credit report screenshots, and personal identification, verifying that these accounts are not validly associated with me. Despite my prior disputes, Experian has continued to report these tradelines, causing ongoing damage to my creditworthiness.

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 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, NC XXXX Date : XX/XX/XXXX To : XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX, GA XXXX Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Repossession Entry Violation of North Carolina Law and FCRA Dear Credit Bureau Representative, I am writing to formally dispute the accuracy and completeness of a repossession account being reported by XXXX XXXX XXXX Bank on my credit file. The repossession reportedly occurred around XX/XX/XXXX, but the reporting appears to violate both North Carolina secured transaction law and the Fair Credit Reporting Act ( FCRA ). 



Under XXXX XXXX XXXX. XXXX through XXXX, a secured creditor must provide the debtor with proper written notice of disposition before and after the sale of any repossessed vehicle. I was never provided any notice of the intended sale, nor was I informed of how the sale proceeds were applied or the resulting balance. 



North Carolina courts have held that failure to comply with these notice requirements forfeits the lenders right to claim any deficiency balance. See XXXX XXXX Bank XXXX XXXX XXXX v. XXXX, XXXX XXXX App. XXXX ( XXXX ). Therefore, any balance reported by XXXX XXXX XXXX Bank after the repossession is legally invalid and inaccurate. 



Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), you are required to ensure that only accurate and verifiable information is reported. Because this account reflects an unlawful or unverified deficiency balance and was not handled in compliance with state notice laws, I request that you investigate this matter, verify the accuracy with the furnisher, and delete or correct this entry from my credit file. 



Please send me written confirmation of the results of your investigation within 30 days, as required by law. 



Thank you for your prompt attention to this matter. 



Sincerely, XXXX 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 2025-10-27 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:
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) & Section 605B, which addresses blocking/deleting information of victims of identity theft. The following information should be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-27 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:
Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) & Section 605B, which addresses blocking/deleting information of victims of identity theft. The following information should be removed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-26 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: IN

Complaint narrative:
I am writing to formally dispute unauthorized and unverified hard inquiries that have appeared on my credit report without my knowledge or consent. These inquiries are negatively impacting my creditworthiness and were not initiated or approved by me. 

The following inquiries are in question and must be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), a hard inquiry can only be made with a permissible purpose and my explicit authorization. I am asserting that no such authorization was provided for the inquiries listed above. Furthermore, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting an immediate investigation into these inquiries and demand that they be removed immediately. If the furnishers of the information can not verify my consent. If you can not provide documentation proving that I authorized these inquiries, they must be deleted immediately as required by law. I am also requesting the name and contact information of each entity that initiated the inquiry, along with proof of permissible purpose and authorization.

Failure to provide this information constitutes a violation of the FCRA and may result in legal action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney general. Please consider this letter as a formal dispute. I request a response within the required 30-day period as mandated by federal law.

Company response to consumer: Closed with explanation