vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: AZ

Complaint narrative:
I am disputing the following charged-off accounts and late payments on my Experian credit report : Charged-Off Accounts : XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$540.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$960.00} XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} Late Payments : XXXX XXXXXXXX, XXXX XXXX XXXX XXXXXXXX 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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
Received pre-approved offer from Comenity Bank for XXXX XXXX  XXXX card. Applied and was accepted. Several days later received letter that the account was approved by mistake, and was closed same day it was opened and could not be used. Letter was received before card ever was, never activated or tried to use card. Now receiving bills for an annual fee for this card, which was never actually usable. Comenity refuses to refund fee and is demanding payment. Seems like fraud on their part, claim someone is approved to charge them a fee, but never actually open the account. Just asking for them to stop trying to charge me a fee on a product I never received, and remove any reporting on this from my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: WA

Complaint narrative:
I did not authorize this inquiry and I did not speak with this lender on the date indicated. Accordingly, I respectfully request that you remove this inquiry from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Nationwide Capital Services, LLC
State: FL

Complaint narrative:
Dear XXXX XXXX XXXX, I am writing to formally request that you cease and desist all collection activities related to the alleged debt referenced under account number. Please consider this letter as a formal demand that you stop all further communication with me in connection with this account. 

Under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), I am entitled to request that you cease any further communications with me regarding this alleged debt. The law states that upon receipt of a written request to cease communication, you must refrain from contacting me again, except for the following limited circumstances : You may contact me to inform me that you are ending your efforts to collect the debt.

You may notify me that you intend to take a specific action, such as filing a lawsuit, if applicable. 

Please note that I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I expect that you will comply with the law. I expect that all communication regarding this debt will cease immediately. 

Additionally, under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ), I am entitled to dispute the accuracy of any information you report to the credit bureaus, and I am entitled to protection against any reporting of inaccurate information. If you continue to report inaccurate information to the credit bureaus, you may be in violation of these laws.

I also request that you not engage in any further actions, including, but not limited to, phone calls, letters, or attempts to initiate legal action, regarding this debt unless and until you provide proper verification of the debt in question. 

Please note that if you continue to contact me in violation of this request, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states attorney generals office. I will also consider taking legal action for violations of the FDCPA and related consumer protection laws. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 2025-11-12 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: AL

Complaint narrative:
I am submitting a dispute for my credit report under the Fair Credit Reporting Act ( FCRA ). Please find below the details of the accounts in dispute. I request a thorough investigation into these entries, as they may contain inaccuracies or incomplete information. 

EQUIFAX : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$120.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$790.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Immediate Removal of Incorrect Collection/Negative Accounts To Whom It May Concern : I am writing to follow up on your recent correspondence regarding my credit report. According to your response, no collection or debt accounts were verified or found associated with my credit file. However, upon reviewing my most recent credit report, these same negative or collection accounts remain visible.

Because Equifax has confirmed that there are no verified collections or outstanding debts, I am formally requesting that all unverified negative and/or collection accounts be immediately deleted from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), which requires the removal of any inaccurate, incomplete, or unverifiable information.

Thank you for your attention and prompt action regarding this matter. 

Sincerely, XXXX XXXX XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
I am filing a complaint against Concora Credit Inc. regarding failure to honor their advertised hardship/Workout Program and unreasonable delays in applying my Credit Protection benefit . I received a written or electronic notice stating I may be eligible for a program that lowers payments, waives late fees, and applies 0 % APR until balances are paid in full. When I followed up, I was told I was not eligible with no written reason or eligibility criteria provided. 

In addition, my Credit Protection request has been pending for an extended period with no activation, confirmation, or timeline. Customer service has not provided any documentation or meaningful assistance. These delays and lack of transparency appear to violate fair credit servicing and consumer communication standards. I am requesting that Concora Credit provide written clarification of eligibility criteria, confirmation of my Credit Protection activation, and correction of any negative credit reporting resulting from these delays.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
My Credit card account with Citibank was closed without prior notice or any clear explanation. I discovered the closure on XXXX. 
When I contacted customer service, they only said it was closed for internal reasons and refused to provide details or written notice. The unexpected closure reduced my available credit and may harm my credit score. I was ready to provide them everything that they needed. But I got discriminated.

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 2025-11-12 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: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am writing to dispute and request the removal ( blocking ) of specific items on my credit report that are results of identity theft, pursuant to SECTION 605B of the FAIR CREDIT REPORTING ACT ( 15 U. S. C. SECTION 1681C-2 ).

I have been a victim of identity theft and have filed an identity theft report with local law enforcement agency. I did not open, authorize or have any knowledge of the following accounts or inquires that appear on my credit report : XXXX. XXXX XXXX XXXX XXXX  XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # XXXX XXXXXXXX XXXX XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # * XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # XXXX XXXX  XXXX. XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # * XXXX XXXX. Michigan XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX  Acct # XXXX, Acct # * XXXX XXXX. Michigan XXXX XXXX XXXX Acct # XXXX XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX, Acct # XXXX, Acct # XXXX XXXX XXXX. XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # * XXXX XXXX. XXXX Acct # XXXX XXXX XXXX XXXX XXXX Acct # XXXX, Acct # XXXX XXXX. XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MI XXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX XXXX. XXXX 's XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Inquiry Date : XX/XX/XXXX. 
I am requesting thatthese accounts and any related information be BLOCKED AND REMOVED from my credit file, as required by FCRA 605b. 
Attached are copies of the following supporting documents : My government issued photo ID, Proof of address, police report number, and identity theft affidavit. 
Please send me written confirmation once these items have been blocked or removed, or if any additional information is needed to complete this request. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX Offshore XXXX XXXX XXXX, Mi XXXX XXXX : XX/XX/XXXX Social security Number : XXXX XX/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 2025-11-12 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: GA

Complaint narrative:
I am writing to formally dispute an error on my credit report regarding my payment history. Your records indicate that I was 30 days late on my XXXX payment of {$130.00} and subsequently 60 days late for XXXX and XXXX. This information is incorrect. 

I made my {$130.00} payment for XXXX on time. While I acknowledge that my XXXX payment has not yet been made, the XXXX payment due date has not yet arrived. Therefore, it is inaccurate to report that I am 60 days late for XXXX and XXXX. 

I respectfully request that you investigate this matter and promptly remove the incorrect late payment reporting from my credit file. False or inaccurate credit reporting is a serious issue, and if this error is not corrected, I will be forced to pursue further action against XXXX XXXX and the credit bureaus for inaccurate 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: FL

Complaint narrative:
I applied for an installment loan online from Minto Money on or about XX/XX/2025 because I was in a desperate financial situation. The lender approved a loan for {$2100.00}. After receiving the loan agreement, I discovered the Annual Percentage Rate was extremely high 491.76 % with total scheduled payments of {$12000.00}. I was not clearly informed of the true cost of the loan or how much I would ultimately repay until after the loan was already approved and processed. 
The repayment schedule requires XXXX weekly payments of {$200.00}. This structure makes the loan unaffordable, and the amount of interest charged is excessive and predatory. 
When I realized the loan terms, I attempted to seek information about cancelling or paying off the loan early to avoid the excessive interest charges. The loan agreement states that borrowers may revoke XXXX authorization, but it is difficult to do so and I am concerned about continued attempts to debit my bank account. 
Because the lender operates under tribal law, I do not have the same consumer protections or avenues for relief that I would normally have under state lending laws. I believe the lenders rate structure, disclosure practices, and use of tribal sovereignty to avoid state protections are unfair and harmful. 
I am requesting CFPB assistance in reviewing the lenders practices, the interest charges, and my ability to safely revoke XXXX withdrawals and obtain a reasonable payoff amount. I also want to ensure the lender does not engage in unfair collection actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
The company Aldous is reporting the same collection account twice under XXXX different account numbers ( XXXX and XXXX ). Both accounts show the same balance of {$330.00}, same creditor, and same dates. This is a duplicate entry and an attempt to make it appear as though I have multiple collections when it is actually XXXX single account. 

This practice is misleading and damages my credit profile by double-counting the same debt. It appears the furnisher may have manipulated the account number to bypass the credit bureaus matching system. This violates the Fair Credit Reporting Act ( FCRA ) which requires information reported to be accurate and not misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-12 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: FISERV FINXACT CORE
State: CT

Complaint narrative:
I had a debt of {$19.00} to XXXX XXXX XXXX XXXX. The company XXXX  XXXX XXXX  got involved. They mailed the wrong person about my debt and had her name attached to it. This led to this company XXXX XXXX  to saying if it wasnt paid by this person it would negatively affect her credit, when it wasnt her debt, that was only sent to her because XXXX XXXX XXXX performed horrible research into this matter.

Company response to consumer: Closed with explanation