vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I added a ring for my fiance onto a XXXX  month payment plan that, as was discussed to me, did not start accruing interest unless you passed the XXXX month and had a balance remaining on that item. I made every payment on time to my knowledge to get the balance as closed to paid off as possible by that date. My brother requested to add a ring onto a XXXX  month supposed interest free payment plan and I allowed it under the conditions that I could make separate payments onto my ring as to interrupt my payment plan and how I pay my ring off. I was also informed we could make separate logins and make individual payments toward each ring and those were the conditions in which I was okay with him adding it. The representative at the XXXX store in XXXX, XXXX  that worked with my brother that day assured me of all these things. To my surprise or truly lack there of he lied and every time I went to pay towards my fiance 's ring it split the payment in XXXX and went towards both with no way to direct the payment to one specific item. My brother has since faced hardships in his personal life and I have not been able to cover his portion of said item but I was able to continue my supposed {$330.00} payments each month to try to reach my payoff of my ring i initially wanted thinking I may have to pay XXXX or maybe XXXX payments of interest plus the regular {$330.00} due to the misleading information from the representatives and having each payment split, thus putting me behind. At the end of my promotion in XXXX of XXXX  XXXX ( XXXX  ) I paid on the ring like usual and I saw a statement increase of over {$2300.00} in interest accrued. Customer care for comenity through XXXX is stating unable to credit the interest and while maybe sympathetic, they are unhelpful. I'm willing to make continuous payments to help my brother and give the money owed in future but I was not aware of the accrued interest that had continuously added on while I made my " interest free '' payments for the last XXXX  months. I understand interest being charged monthly based on remaining balance and if I had been informed correctly by any of the representatives or the store manager I would have been more prepared.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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:
The information referenced presents a misleading depiction of my financial responsibility. Please verify and correct the record following review.

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 2025-11-21 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:
I am writing to dispute the following accounts on my credit report. These accounts have been inaccurately reported, and I request a thorough review and correction according to the Fair Credit Reporting Act ( FCRA ). Please find the details of the accounts in dispute, separated by credit bureau below. 

CHARGED OFF XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$0.00} Dispute Reason : This account is showing inaccurately on my credit report. 

XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$110.00} Dispute Reason : This account is incorrect or incomplete. Please verify. 

XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$1500.00} Dispute Reason : The balance reported is incorrect. Please provide documentation supporting this balance. 

XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/XXXX Balance : {$22000.00} Dispute Reason : This account is inaccurately reported. Please verify and correct the balance. 

Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX Dispute Reason : I believe this inquiry was made without my authorization. 

Late Payments XXXX  Account Number : XXXX Dispute Reason : The reported late payment does not accurately reflect my payment history. 

XXXX Account XXXX : XXXX Dispute Reason : The reported late payment is incorrect and should be corrected.

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 2025-11-21 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: SC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: NY

Complaint narrative:
I had noticed that there were unauthorized charges on my account and started to dispute them. I then realized that those transactions dated back XXXX  months. So i told the representative that i was chatting with that i was going to dispute all the charges totaling {$220.00} for the last XXXX  months. They informed me i had to do them one at a time and that they would get back to me within XXXX business days about it. Then i received an email stating i needed to verify my identity to continue access to my account and when i clicked the link it came with i got a message saying that my account was being closed because i failed to verify my identity. when i reached back out to cashapp to find out why they closed my account and what i could do to get it reopened and they said i had to appeal it and wait to hear back and so i did, however my monthly social security checks are deposited into that account and i dont have the same luxury as a multi million dollar corporation to just move my money elsewhere or afford to go without a paycheck. I reached out to cashapp a year ago about the same fraudulent charges from the same merchant and they had assured me it would be taken care of then.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-21 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IL

Complaint narrative:
I am submitting this dispute request for correction or removal of inaccurate information on my TransUnion credit report. The following accounts need to be reviewed as they do not reflect accurate details. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : 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 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 non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I charged XXXX round-trip tickets from XXXX to XXXX on my Amex XXXX XXXX XXXX XXXX in the amount of XXXX XXXX ( XXXX XXXX ). 

Travel was postponed due to my wifes XXXX. XXXX tickets were re-issued ( paid separately ) on XX/XX/XXXX. The remaining XXXX were put on hold. 

In XX/XX/XXXX, after my son turned XXXX years old and travel plans became indefinite, I requested a refund from the airline. On XX/XX/XXXX, XXXX acknowledged and completed the refund processing. 

On XX/XX/XXXX, XXXX issued the refund back to the original card and supplied an Acquirer Reference Number to Amex for reconciliation purposes. 

Despite this, the refund amount of XXXX XXXX ( comprised of XXXX XXXX + TWD XXXX + TWD XXXX ) is still not credited to my Amex account after raising a dispute with Amex After contacting Amex several times starting XX/XX/XXXX including an escalation to XXXX XXXX himself, the issue was still not resolved. However, on XX/XX/XXXX, Amex suddenly issued a XXXX USD credit under the name of XXXX. This behavior seems to be deceiving and doesn't match the actual amount they should refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-21 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXX * * * * Reported Late Payments : XX/XX/year>

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DRIVE NOW ACCEPTANCE LLC
State: IL

Complaint narrative:
Filed Chapter XXXX Bankruptcy and company continues not to update status of the account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 to be 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 XXXX  days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered XXXX  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! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
XX/XX/XXXX, I received a letter from Bank of America expressing condolences for my mothers passing. Shockingly, my mother is alive, so I was very surprised to receive this letter on Monday morning. 

XXXX  ( XX/XX/XXXX ) I called Bank of America and spent nearly XXXX hours trying to sort this out. The estate department advised me to submit my power of attorney for authentication at a local branch to help clarify my mothers case and reverse this error. 

The next day ( XXXX, XX/XX/XXXX ), I brought my power of attorney, which my attorney drafted in XXXX, to the bank. The representative scanned it and mentioned it would take about XXXX hours for authentication. 

On XXXX  ( XX/XX/XXXX ), I called to check if the power of attorney had been authenticated but couldnt reach the case XXXX. I left a voicemail requesting a callback. The next morning, Thursday ( XX/XX/XXXX ) I called again. I was informed that the notification that she was deceased was automated. The representative checked XXXX and confirmed that my mother is listed as alive. I also verified with the government treasury office that she is alive in their records. 

Despite this, I later learned from the case XXXX that the power of attorney had not yet been authenticated and that the process typically takes XXXX business days. This was inconsistent with what I was told during my bank visit, leading to my frustration. I simply need answers regarding the account and how this error occurred. 

After a brief phone call with the case XXXX, she mentioned that the authentication department requires additional documentation, including a physicians statement regarding my mothers capacity. I expressed my concern, explaining that I have been using this power of attorney without issue for nearly XXXX years while managing my mothers affairs in a XXXX home. 

I feel this error is on Bank of America 's part, and it doesnt make sense for me to face these challenges as a co-owner of the account. 

Bank of America then sent a letter, dated XXXX XXXX, that her benefits from XXXX were made after her death and that they need to be repaid. When her benefits are deposited on XX/XX/XXXX, will this cause an issue? 

Bank of America has marked my mother deceased in their system, creating a snowball of issues without a notification from a close family member, or myself ( who has power of attorney and who is the co-owner for her account ) and without a death certificate. They are requiring that I do all of these things to reverse this error that was made in the system. Additionally, they are not able to tell me how this error occurred in their system.

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 2025-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XXXX or XXXX, I asked my boss for a cash advance so i could afford an attorney for a legal matter, I was given the cash and a month later was sent a bill for a credit card I never signed up for. I was explained that he had set up a credit account in my name through YARD CARD ( TD Financial ) and pulled the cash advance out to give to me. I was young and didn't know any better, so I started paying on it. The company was charging me XXXX  % interest since the first payment. I thought this was normal and nothing was wrong, I kept paying as much as I could, even paying extra at times and being charged XXXX  % interest on the extra payments. At the time I already had a different loan for a vehicle and wasn't paying that much in interest and all extra payments went toward principal when the monthly interest was met. Eventually I had to change my phone number and was completely locked out of my account and when I reached out to TD I was told that my account was no longer valid and they couldn't find me in their system. I tried calling and waiting multiple times on hold for hours and was always told the same thing. I have just tried to call them today XX/XX/XXXX and speak about what I have recently learned about interest rates and legality of being charged so much interest, while also not giving consent or permission and XXXX agreement to be signed up for a credit card such as this. Once I was on the phone with TD Financial services, they would not answer any questions and kept sending me to different departments, even the fraud department transferred me after asking me to hold for assistance. At current standing, my account is closed and considered a charge off. I would like to remedy this and get my finances back on track. I have never been late with my other loan account or credit card, but this XXXX problem account keeps my credit score low and leaves me unable to do much with my credit. I was young and had no idea that things like this could happen. I was never aware that an account opened without knowledge or consent was illegal and that charging XXXX  % interest, in a state where XXXX  % was the cap was illegal either.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: PA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: AL

Complaint narrative:
XXXX, XX/XX/XXXX, I submitted an application for a XXXX XXXX VISA CARD. I was approved Thursday, XX/XX/XXXX. I activated the card Friday, XX/XX/XXXX, as soon as I received the card. I was advised by the credit card application that XXXX  % introductory APR for XXXX  months on balance transfers. I spoke with someone, I think, XXXX XXXX. I arranged a balance transfer with her BUT she told me I didn't have a XXXX  % introductory APR for XXXX  months on balance transfers BUT I'm looking at the application and what it states! So, for some reason, she advised me to call back in about a week later. So, I called back in XXXX, XX/XX/XXXX. This particular service representative gave me the same run around! But this particular XXXX gave me an INCIDENT REPORT # XXXX XXXX. I called back in XX/XX/XXXX, AND STILL NO GRANTING ME my XXXX % introductory APR for XXXX  months on balance transfers. I'm curious as to why!?!? Why state something in an application/contract and NOT grant it!?!? I've NEVER been late on my bill or anything! Here it is Friday, XX/XX/XXXX, AND still NO RESPONSE as what XXXX who dropped the ball, or why you all lied!!! I need answers!

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 2025-11-21 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: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous informatio

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief