vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: NJ

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX & XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX XXXX XXXX, I made two payments of {$14000.00} from two different XXXX XXXX accounts to my American Express EveryDay Card.

Only one payment was intended. I immediately contacted Amex and opened XXXX XXXX to request a reversal of the duplicate payment. 

Amex confirmed receipt of both payments and agreed to refund the duplicate amount. However, they insisted that the only refund method available was by paper check, even though both payments were made electronically via ACH.

This policy causes unnecessary delay ( 57 business days + mail time ) and risk of check loss for a high-value transaction that could easily be refunded electronically to the originating account. 

I am requesting that the CFPB review Amexs payment-reversal process, as this appears inconsistent with Regulation E ( 12 CFR 1005.11 ), which allows electronic correction of erroneous transfers. 

I am also requesting confirmation that this issue does not negatively impact my credit report or account standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA XXXX, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : XXXX BANK XXXX XXXX XX/XX/XXXXBANK ) XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am disputing a retroactive interest charge of about {$2000.00} that was added to my XXXX XXXX Comenity Bank store credit account ( ending in XXXX ) in XX/XX/XXXX. 

I purchased an item in XX/XX/XXXX under an 18-month deferred interest promotional plan. I made automatic monthly payments on time for the entire period, with no missed or late payments. 

However, I was never clearly notified that the plan would expire on XX/XX/XXXX or that I had to pay the entire promotional balance by that date to avoid retroactive interest. The only mentions were buried in generic electronic statements there was no clear, visible, or highlighted warning or proactive reminder before the expiration date. 

When I contacted Comenity Bank, I was told the information was in the statements and that nothing could be done, even though I acted in good faith and maintained an on-time payment history. 

This situation represents inadequate disclosure and lack of transparency under the Truth in Lending Act ( TILA ). I am requesting that Comenity Bank review and remove or adjust the retroactive interest charge and provide a written explanation of their decision.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
Hello, My name is XXXX XXXX, and I am writing regarding a billing error from my stay at the XXXX XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX, I was incorrectly charged {$3700.00} to my personal credit card with Nave Federal Credit Union ending in XXXX, even though the same amount was correctly billed to my companys card ending in XXXX. 

I have made multiple good-faith efforts to resolve this directly with the property I spoke with the front desk and XXXX XXXX XXXX, who told me to take it up with your bank. I filed a dispute with my bank, which was denied for lack of evidence. 
I reached out to XXXX XXXX XXXX ( Case # XXXX ) and was advised to speak again with the XXXX on duty. I also attempted to have my companys travel agency contact the property without success. When I approached XXXX again to discuss the issue, he refused to assist further after I mentioned I wished to record the conversation for accuracy in refiling the dispute with my bank. 

I am providing a copy of the folio and a statement from my credit card company. If requested I can also provide the brief conversation between me and XXXX in which he refused to help me if he was to be on the record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: FIRST HORIZON BANK
State: MD

Complaint narrative:
I made a couple of telephone payments on my loan and they never gave me credit for it so it keeps appearing on my monthly statement. I've talked to several people, I've mailed, and emailed proof of them taking that money out of my account and they still will not help me. This has been going on for years now and I've talked to countless people and they give me addresses to mail the proof and I always do and no one seems to care. Even my son and daughter have gotten involved as I feel that they are taking advantage of me because of my age and ethnicity. I just don't know what to do anymore, they are even threating me with foreclosure even when I have proof that I paid. I've attached the payment they have taken out but have not given me credit for

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: TX

Complaint narrative:
I.Q. Data XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WA XXXX XXXX : Notice to Cease and Desist Communication and Request for Debt Validation Account Number:XXXX To Whom It May Concern : This letter is in response to your attempts to collect an alleged debt related to the account referenced above. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. XXXXc, I am hereby providing you with written notice to cease all further communication with me. 
You are to cease and desist all direct communication with me regarding this alleged debt, including phone calls, letters, emails, and any other form of contact. You are also prohibited from contacting my family, friends, or employer. The FDCPA allows you to contact me only once more to confirm that you will cease further collection efforts or to notify me of a specific legal action you intend to take. 

Furthermore, please be advised that I dispute the validity of this alleged debt. WithinXX/XX/XXXXdays of receiving this notice, you are required under 15 U.S.C. XXXXg to provide me with the following verification : Documentation proving I am legally obligated to pay this debt. 
The name and address of the original creditor. 
The specific amount of the debt, including any fees or interest. 
Proof of your authorization to collect debts in my state. 
Send the purchase agreement for this debt. 

If you continue to contact me or fail to provide proper validation, you will be in violation of the FDCPA. All future communications will be recorded and logged. 
I expect your full compliance with this request. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section XXXXB of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : CXX/XX/XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a closed personal credit card account opened at XXXX under the account number XXXX,. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a closed personal credit card account opened at XXXX under the account number XXXX,. These accounts have resulted in fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, are the result of identity theft and fraud

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter serves as my formal dispute regarding the reporting of XXXX or more collection accounts appearing on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. XXXX et seq. ) and the Fair Debt Collection Practices Act ( 15 U.S.C. XXXX et seq. ). 

The reported collection accounts are inaccurate, incomplete, and unverifiable. No original signed contract, itemized statement, or verifiable proof of ownership has been provided to substantiate this alleged debt or its continued reporting. Reporting unverifiable information violates FCRA XXXX ( Reinvestigation of disputed information ) and XXXX ( b ) ( Accuracy of report ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
XXXX bank inaccurately updated my credit reporting to the credit bureaus as a charge off account when this credit card was never charged off. They recently updated my monthly payments from XX/XX/XXXXas Charged Off and have negatively caused my credit score to decrease. This has affected my ability to apply for home loans and other large purchases. They have grossly mismanaged my payment history with charge off remarks however my account has always been current and active. I sent a dispute and they still have not responded back to me. My credit card payment history is sensitive information and my credit reporting is crucial data that should not be mishandled especially with inaccurate derogatory remarks. I need them to fix it immediately and have the person who manipulated my credit payment history held accountable for these actions. This is a severe mistake and inaccurately updating a consumer 's credit report as a charge off is a serious issue and the person in charge of this responsibility should be reprimanded for affecting someone's livelihood. 

I need my credit payment history to be updated as paid and remove the charge off remarks immediately.

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 2025-10-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Home Depot sent me a washer w/ free installation Which was not properly installed Consulted w/ them numerous times Washer does not work I demanded a new washer or Repairs to be made. Home Depot declined Therefore I am requesting return of store card charges Or new appliance Home Depot do not acknowledge their wrong doing That has been the whole issue surrounding this situation

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: FIRST PORTFOLIO SERVICING INC
State: MO

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Date of Birth : XX/XX/XXXX Last 4 of SSN : XXXX Date : XX/XX/XXXX To : XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  PA XXXX Subject : Formal Dispute Under the Fair Credit Reporting Act ( FCRA ) Re : TOTAL VISAXXXX Account Inaccurate Late Payments and Account Closure Reporting Dear Credit Bureau Representative , I am writing to formally dispute the accuracy of information being reported on my credit file regarding the TOTAL VISAXXXX account. According to my credit report, this account shows late payments and is reported as closed on XX/XX/XXXX, with a high balance of {$480.00} and a credit limit of {$300.00}. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I am exercising my right to request a thorough investigation into the accuracy and completeness of this account information. 

I believe the following information is inaccurate or unverifiable : 1. The late payment history appears to be incorrectly reported or unverifiable. 
2. The account closure may have been reported in error or inaccurately reflects the status between myself and the creditor. 
3. The balance and utilization rate ( reported at 163 % of limit ) appears inflated and not consistent with actual payment history or account records. 

Pursuant to FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to investigate this matter within 30 days of receiving this dispute. Please contact the original creditor ( XXXX XXXX XXXX XXXX XXXX TOTAL VISA ) to verify all details. If the information can not be verified, it must be corrected or deleted from my credit file immediately. 

Please provide written confirmation of the results of your investigation, including an updated copy of my credit report showing any deletions or corrections made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XX/XX/XXXX SSN ( Last 4 ) : XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Reason for Claim : On or about XX/XX/XXXX XX/XX/XXXX, Shellpoint Mortgage Servicing failed to timely process the payoff of my home loan, resulting in excess daily interest charges. 

A payoff good-through XX/XX/XXXX was issued and confirmed by Shellpoint. My title company wired {$900000.00} on XX/XX/XXXX per Shellpoints instructions. Shellpoint received the wire but, without notice or valid reason, returned it on XX/XX/XXXX. Multiple recorded calls followed, including one on XX/XX/XXXX in which a Shellpoint representative incorrectly advised me to re-wire the same amount, confirming it as correct. 

Because of these misinstructions and delays, Shellpoint did not apply my payoff until XX/XX/XXXX. During this period I was charged additional per-diem interest totaling {$1300.00} beyond what would have been owed had Shellpoint processed the funds as initially sent. 

Shellpoints own manager, XXXX XXXX, later acknowledged employee error after reviewing recorded calls. I have documentation and phone records supporting this timeline. 

I am requesting reimbursement of {$1300.00} for overpaid interest caused by Shellpoints delay, plus any allowable filing and service fees.

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