vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Hello, I applied for and was approved for an XXXX XXXX Credit Card issued by Comenity Bank. I used the card in person at an XXXX store with valid state-issued ID and completed a legitimate purchase. Several weeks later, I was notified that the account was flagged for fraud. I immediately called Comenity, verified my identity via text message codes and correct responses to security questions, and offered to re-verify via secure online portal or in person. 
Despite full cooperation, I received a letter stating that I must mail in physical copies of my IDs, which is not secure and exposes me to identity theft. I refused due to safety concerns and was told there were no other options. As a result, Comenity revoked access to the card, despite it being approved and used without issue. I now have a hard inquiry on my credit report for a credit line that is unusable effectively hurting my credit standing without any wrongdoing on my part. 
Worse, Comenity also blocked another unrelated card account Ive held in good standing for over a decade, with no explanation which feels retaliatory.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: AL

Complaint narrative:
Collection Account XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$440.00} Collection Account XXXX XXXX XXXX Acct # XXXX Reported Balance : {$400.00} FCRA XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # : XXXX Balance : {$960.00} Reported Past Due Amount : {$960.00} Opened : XX/XX/year> FCRA XXXX XXXX XXXX/ The XXXX XXXX XXXX  Account # : XXXX Balance : {$1300.00} Reported Past Due Amount : {$1300.00} Opened : XX/XX/year> The accounts in question are reporting both a collection status and a past due balanceThis reporting structure violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and credit industry reporting standards.

Under Metro 2 guidelines and the FCRAs requirement for accurate reporting, collection accounts must not reflect a past due amount this status applies only to open, revolving or installment credit accounts. Once a debt has been charged off and sold to a debt buyer the original account is considered closed and delinquent not past due. 
Furthermore, I formally dispute the entire validity and ownership of this alleged debt, and I request the following actions : XXXX. Immediate removal of the past due status from this account ; XXXX. Full investigation into the legitimacy and legal transfer of this debt XXXX. Deletion of the account if it can not be fully verified with legally sufficient documentation ( such as the original signed contract, complete itemization of charges, and chain of title ). 
If the reporting furnisher can not substantiate this debt within 30 days, I respectfully demand this entry be removed entirely from my credit report in accordance with FCRA 1681i ( a ).

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 2025-06-27 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: AL

Complaint narrative:
Collection Account XXXX XXXX XXXX / XXXX XXXX XXXX XXXX  Account Number : XXXX Reported Balance : {$440.00} Collection Account XXXX XXXX XXXX Acct # XXXX Reported Balance : {$400.00} FCRA XXXX XXXX XXXX XXXX XXXX XXXX Bank Account # : XXXX Balance : {$960.00} Reported Past Due Amount : {$960.00} Opened : XX/XX/year> FCRA XXXX XXXX XXXX/ The XXXX XXXX XXXX  Account # : XXXX Balance : {$1300.00} Reported Past Due Amount : {$1300.00} Opened : XX/XX/year> The accounts in question are reporting both a collection status and a past due balanceThis reporting structure violates both the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and credit industry reporting standards.

Under Metro 2 guidelines and the FCRAs requirement for accurate reporting, collection accounts must not reflect a past due amount this status applies only to open, revolving or installment credit accounts. Once a debt has been charged off and sold to a debt buyer the original account is considered closed and delinquent not past due. 
Furthermore, I formally dispute the entire validity and ownership of this alleged debt, and I request the following actions : XXXX. Immediate removal of the past due status from this account ; XXXX. Full investigation into the legitimacy and legal transfer of this debt XXXX. Deletion of the account if it can not be fully verified with legally sufficient documentation ( such as the original signed contract, complete itemization of charges, and chain of title ). 
If the reporting furnisher can not substantiate this debt within 30 days, I respectfully demand this entry be removed entirely from my credit report in accordance with FCRA 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: AK

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 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 2025-06-27 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: AK

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 law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
This is a formal complaint against EQUIFAX INFORMATION SERVICES LLC for their continued violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681i ( a ), 1681s-2 ( b ), and 1681e ( b ), as it relates to the inaccurate and unverified reporting of multiple accounts on my credit file. I have previously attempted to dispute these tradelines directly with EQUIFAX, yet the inaccurate information remains, showing a systemic failure in their reinvestigation procedures and compliance protocols. First, XXXX XXXX XXXX XXXX ( Account No. 
XXXX ), a credit card account opened in XX/XX/XXXX with a current balance of {$7100.00}, is inaccurately reporting a 30-day delinquency in XX/XX/XXXX. I dispute the validity of this information and contend that EQUIFAX has failed to perform a reasonable reinvestigation as required under 1681i ( a ). Likewise, XXXX XXXX XXXX ( Account No. XXXX ), opened in XX/XX/XXXX, shows multiple late payments up to 60 days, which I have contested as being unverified and materially misleading. EQUIFAX is also reporting three XXXX tradelines ( Account XXXX. ending in XXXX, XXXX, and XXXX ) as charged-off accounts, with the third account reflecting delinquencies ranging from 30 to 120 days between XXXX and XX/XX/XXXX. 
These tradelines were never properly validated and continue to display derogatory information in violation of 1681e ( b ), which requires maximum possible accuracy in reporting. Additionally, EQUIFAX has failed to comply with 1681i ( a ) ( 6 ), which mandates disclosure of the method of verification following a dispute. The same pattern of noncompliance appears in the reporting of XXXX XXXXXXXX XXXX XXXX XXXX Account No. XXXX ), a closed credit card marked as charged off with a balance of {$3300.00}, and XXXXXXXX XXXX XXXX Account No. XXXX ), a closed installment account showing 30-, 60-, and 90-day lates from XXXX through XX/XX/XXXX, all of which I dispute as inaccurate and unsupported by proper records. EQUIFAX is also reporting collection accounts without proper verification, including XXXX XXXX ( Account No. 
XXXX, balance {$140.00}, opened in XX/XX/XXXX ) and XXXX XXXX XXXX for the original creditor XXXX XXXX Account No. XXXX, balance {$230.00}, opened XX/XX/XXXX ). I have not been provided with any documentation proving the validity of these debts, nor have I been given notice of the investigation results within the timeframes outlined in 1681i ( a ) ( 6 ) ( A ). These accounts remain on my credit profile despite serious deficiencies in EQUIFAXs reinvestigation efforts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
This inquiry on my credit is on my credit report & I did not furnish anything from this company running my credit. I also did not give this specific company to run my credit. Therefore this inquiry should be removed. This inquiry happened XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Global Lending Services LLC
State: IL

Complaint narrative:
This inquiry on my credit is on my credit report & I did not furnish anything from this company running my credit. I also did not give this specific company to run my credit. Therefore this inquiry should be removed. This inquiry happened XX/XX/scrub> XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXXl XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 explanation
Consumer complaint received 2025-06-27 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : 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 non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ) ,15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. I received the dispute results back from Experian today, XX/XX/year>, and despite my previous efforts to resolve this matter the issue has not been resolved satisfactorily.

I called Experian today, XX/XX/year> and requested to get transferred to the Fraud Department. The representative that I spoke to admitted seeeveral times that Experian did not conduct and will not conduct its own investigation and they only forwarded my complaint to the creditor ( XXXX ) and updated the credit report with XXXX XXXX response.They do not investigate if the creditor is right or not, and by doing so they are absolutely damaging my credit and distroying my future without shame or remorse. I previously provided to Experian all relevant supporting documents to facilitate their investigation and they absolutely ignored it.

Not only that current student loan servicer, XXXX, did not update my accounts with the period of time when my student loan accounts were in forbearance and they denied to remove the wrongfully reported late payments for the forbearance period but they also wrongfully and viciously reported wrong loan balance and Experian refused to make any corrections.

I am fully aware of the ongoing law suit that CFPB has against Experian for the exact same reason and I am kindly asking you to please help me get a fair resolution to this matter.

I will be attaching the forbearance letter I have received, the first payment statement which shows no amount past due, account history and the credit report received from Experian yesterday which shows the before and after the dispute results and the errors made by the XXXX employee who reviewed my complaint. 

Please feel free to contact me via email at XXXX should you need any further information. 

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 explanation
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
Bank errors related to billing and credit reporting are directly and unfairly damaging my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to accurately apply payments and reflect correct balances. In my case, multiple violations have occurred : payments I made were not properly recorded, and clear calculation errors appear in the reported account balances. Furthermore, I was not provided with the legally required 21-day notice before a payment due date rendering any reported late payments invalid and unlawful. 
These inaccuracies are not only a violation of federal law but are causing unjust and ongoing harm 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 non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
" I found an inaccurate negative item on my credit report. I contacted the furnisher, received no " verifiable response, and am 'equesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item. Clean. Legal. Powerful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: DC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I tried to log in online to my bank ( capital one ) and I can't because it has different phone number connected to it that I don't use anymore. When I contacted the customer service, I have done it multiple times, they keep sending me a link to upload document ( submitted multiple time ) and even the clearest picture the bank still won't confirm it's me or change my phone so I can get online access.

Company response to consumer: Closed with explanation