vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am submitting this complaint regarding unfair and abusive practices related to my credit card account. 

The account was blocked shortly after opening without any written or phone notification, despite the institution having my valid mailing address and phone number on file. At no point was I informed that additional address verification or documentation was required. 

When I attempted to make a timely payment, payment was refused under the pretext of a security review, and I was expressly assured that no late fees or penalties would apply. No follow-up communication ever occurred. 

A late fee was later imposed solely as a result of the institutions refusal to accept payment. Although this penalty was eventually removed, it required extensive time, repeated calls, and significant XXXX XXXX. Such practices are unacceptable and must not be used as a method of revenue generation. 

At XXXX point, payment was conditioned on acceptance of the disputed penalty, which constitutes coercive billing. Requiring consumers to pay unlawful fees in order to resolve an account is an unfair and abusive practice. 

The institution subsequently demanded additional address documentation after monthses of silence while keeping the account blocked. Delayed and retroactive documentation demands, combined with refusal to accept payment, do not constitute a legitimate security measure. 

I am formally requesting written confirmation that this account is reported as closed at consumers request and not closed by creditor, as the closure was initiated by me due to loss of trust caused by the institutions conduct. 

I further request written confirmation that : no negative or adverse credit reporting occurred, all penalties were permanently removed, the account reflects a XXXX balance, and no future fees ( including paper statement fees ) will be assessed. 

This conduct caused financial harm, emotional distress, and unnecessary risk to my credit history.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: T.S. Holdings
State: AL

Complaint narrative:
The first collection call I received, the collection agent falsely represented themselves as calling on a personal matter regarding a previous tenancy i had with XXXX XXXX Apartments. Only after verifying my identity, did she go into this is an attempt to collect a debt and began using rude, unprofessional language telling me her misrepresenting herself was not in fact illegal or against federal consumer and collection guidelines, and when I informed her it was and I would be reporting it to the CFPB, she proceeded to threaten me regarding a credit impact and insinuating I go back to school as what she was doing was not illegal or predatory for misrepresenting herself as someone she was not and then jumping into collection tactics. The call I just received from the same agency tried informing me again it wasn't illegal, telling me you don't report to the CFPB fraudulent collection practices and once again insinuated I should go back to school like I don't know my rights as protected under federal and state law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: SC

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 2025-12-24 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:
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 non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Westcreek Financial
State: IL

Complaint narrative:
I entered into a financing agreement with XXXX  ( West Creek Financial ) for furniture, with an agreed-upon " Early Purchase Option '' of {$1500.00} to be paid within 120 days. 

My scheduled monthly payments were routinely processed by XXXX  as XXXX separate split transactions ( approx. {$130.00} and {$58.00} ). In XXXX, the first portion of my payment cleared, but the second portion ( {$58.00} ) failed. XXXX failed to notify me via email, text, or phone that this partial payment had failed. 

Because XXXX did not provide notice of the failure, I believed my account was current. When the XXXX " cash price '' window expired on XX/XX/XXXX, XXXX used this single un-notified {$58.00} failure to revert my contract to a XXXX lease, instantly inflating my balance by over {$1600.00}. 

The Numbers : Original Cash Price : {$1500.00} Total Paid to Date : {$1700.00} ( I have already paid more than the cash price ). 

Amount XXXX Demands : An additional {$1600.00}. 

Total Cost if XXXX : ~ {$3400.00} ( A 125 % markup on the goods ). 

XXXX practice of splitting payments to increase failure rates, and then failing to notify customers of those failures to trigger exorbitant leasing fees, constitutes an Unfair, Deceptive, and Abusive Act or Practice ( UDAAP ). They are trapping consumers into high-cost leases through a lack of transparency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: OH

Complaint narrative:
Mariner Finance is reporting inaccurate and misleading information for a personal loan account that was charged off. 
The account was charged off in late 2023, yet Mariner Finance continues to update the balance and delinquency status into 2025. The tradeline reflects the account as written off while still reporting it as past due, which is contradictory. Additionally, partial payments made prior to charge-off are not accurately reflected in the reporting. 
A charge-off is a one-time accounting event. Continuing to update a charged-off account with rolling delinquency and balance changes is misleading and XXXX constitute re-aging. The reported balance has not been clearly itemized to explain post-charge-off changes. 
I disputed these inaccuracies through the credit reporting agencies. Despite this, Mariner Finance has continued to furnish the same inaccurate information without correction or explanation. 
This inaccurate reporting has caused ongoing harm to my credit profile, including interference with employment and military eligibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: FL

Complaint narrative:
I had a settlement agreement because of mechanical failure on my car they were saying it need an engine it was going to be over XXXX XXXX so it was suggested to me to do a settlement agreement and I agreed. A previous insurance company that I had that I no longer had association with still owed me money from a claim I had for XXXX they owe me {$1700.00} I was hoping to get that to pay to fix my car cuz it was going to be over XXXX XXXX. The insurance company inspired with the lender to total my car with a fraudulent appraisal. They took the previous evaluation of damage of {$2900.00} they should have added the {$1.00}, XXXX to it. Instead they adjusted over XXXX more times a year and a half later and came up with the exact same damage but inflated the values to XXXX this is what they use to say that there is more damage to my car instead what the original was so they can total it. This is a fraudulent act and insurance fraud on the insurance company and adjusters side they conspired with American Credit acceptance I sent several emails documenting I was not totally my car that I did not have a policy with this company telling XXXX XXXX not to do it I didn't authorize it I never gave permission I'm not authorizing them to total my car I'm not authorizing them to pay you any money I'm not authorizing them anything. But they come inspired went behind my back and did it amongst themselves and I'm the XXXX getting penalized by my credit this is a fraudulent act that involves not only identity theft by them with paperwork that I never signed with paperwork giving authorization that I never gave for them to total my car or for them to accept a insurance check or for them to total my car none of that was approved. And for XXXX XXXX to say that I accepted a total and kept my car that is not true either none of that is true I don't have my car I still have it had my car The car still been at the shop where I couldn't afford to pay the repairs. And if I was to have kept my car why didn't XXXX XXXX give the title the title was never retrieved and isn't that part of it. XXXX XXXX XXXX XXXX XXXX XXXX have co-inspired into a scheme a fraud theft and malicious acts and bad business practice. This needs to be removed and off of my credit it is a crime what they've done and my actions are to get it in front of a court and a judge now all I can do is make my complaints and get it in front of the right person but until then my credit is not going to suffer from their criminal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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 discovered fraudulent 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 2025-12-24 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: NV

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your 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 explanation
Consumer complaint received 2025-12-24 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:
Under 15 U.S.C. 1681b a credit reporting agency may only furnish my credit file for certain permissible consumer-reporting purposes. These inquiries do not fall under those permissible purposes and therefore violate my rights.

15 U.S.C. 1681i states that I have the right to dispute any inaccurate information on my credit report.

15 U.S.C. 1681s-2 ( a ) Section 623 establishes that a furnisher can not report an account or inquiry without my written instructions or authorization.

15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) also states that no person shall furnish information to a consumer reporting agency if they know or have reasonable cause to believe that the information is inaccurate. 

Please remove the following unauthorized inquiries : Inquiry XXXX  XXXX ( XXXX ) Inquiry XXXX XXXX XXXX ( XXXX ) Inquiry XXXX XXXX ( XXXX ) Inquiry XXXX ( XXXX XXXX XXXX ) ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: TX

Complaint narrative:
I discovered fraudulent 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-24 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Two accounts were opened that I have no knowledge of. On XX/XX/year>, a XXXX Rewards card in the amount of {$2000.00} and a SYNCB/XXXX XXXX card in the amount of {$2500.00}. These accounts were not opened by me and will assume this is fraudulent.

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 2025-12-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I received a text message Wells Fargo bank saying there was an unauthorized {$2000.00} charge pending in my account. Was this you yes or no? 
So I replied to the message saying no because Wells Fargo does text me sometimes and then I get a phone call and I deny it and then I get a phone call a second later and I answer it. A guy is on the phone saying that this is so-and-so from Wells Fargo. We believe theres an unauthorized charge taking place on your account was this you know it was not me OK well we need to verify a few things. Could you answer some questions and I believe the questions were last XXXX Ss #, date of birth, and a few other verifications that a bank would ask you so I didnt think anything of it well then they told me that my accounts needed to be canceled and I need to add to open up new account so proceeded to do everything that they said to do as in transfer the money from my savings to my checking so that they can open a new savings account and then they transferred me to a lady who was supposedly more in charge of the XXXX XXXX side of things so she was supposed to help me to remove my XXXX  XXXX well then she proceeded to have me send my money to my new account through XXXX XXXX, which at the time of course I didnt think about it but now doesnt make sense so I did what she said in all my money got transferred to set a reminder. This was a lady from Wells Fargo supposedly and they all sounded like they were from the United States so I didnt think about it and my mom was in the car next to me all sounded fairly normal. Well, then, after I sent my money to myself so she claimed she proceeded to convince me to turn off the Find My phone feature on my phone, which ultimately shut my phone down and completely factory reset it so I had no access to call or contact anybody because my phone had been reset. I had to go to the T-Mobile store and get it back to my phone and I immediately took my moms phone and XXXX Wells Fargo and told them what happened and filed a claim within XXXX minutes of the actual event happening. So today, XX/XX/XXXX I come to find out that my claim has been denied due to the fact that I authorize the charges supposedly which I guess is not wrong because I did have to do so but its because I believed I was talking to somebody from my bank and they told me me to call XXXX see if they would do anything for it and of course they would not because yet again I supposedly authorize the charge so ultimately I ended up losing {$4200.00} due to somebody calling me as Wells Fargo representative and walking me through how to send them money.

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 2025-12-24 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: NJ

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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 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 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-24 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: IL

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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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