vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Dear Comenity Bank Support, Thank you for your attention to my situation and for applying the amount of {$35.00} as a credit to my account. I sincerely appreciate this step and your effort to resolve part of the issue fairly. 

I would also like to express my gratitude for confirming the following in your official response : That I indeed never received the card, That the account was never registered in your system, That the card was returned to the bank after an attempted delivery, And that the mailing information I provided was correct, which is further confirmed by the fact that I did receive a physical letter from the bank albeit without the card number ( which is rather strange ), but containing a reminder not to miss a payment. 
This confirms that postal delivery was functioning properly, and therefore the responsibility for the card not being delivered and all subsequent access and registration issues lies with the bank, as acknowledged in your response. It also confirms that the bank is acting transparently and not misrepresenting the situation to third parties.

Nonetheless, my core issue remains unresolved : I still do not have access to my card number, and without it I can not : register for Account Center, make any payment, submit a formal inquiry through secure channels, or request closure of the account.

As Ive mentioned previously, I am unable to use phone or voice-based communication, including TTY/TDD, due to technical limitations. However, I do have a valid email and mailing address, and I kindly ask that these be used as the primary means of contact. 

In light of this, I respectfully request : That you provide my full credit card number or offer a secure written channel through which I can receive it, That you provide an official email address for account-related communication, That I be allowed to pay off the balance in full, without any additional fees or unwanted recurring services, And that the account be permanently closed after payment is completed. 
I sincerely hope that with your support, this matter can be resolved clearly and constructively, without further complications. Thank you in advance for your understanding and cooperation. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX OH XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6000.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$630.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
Dear CFPB representatives, I hereby file a formal complaint regarding a medical account reported in my credit history by XXXX XXXX XXXX, dated XX/XX/year>, account XXXX I wish to dispute this account for being inaccurate and erroneously attributed to me. I do not recognize this medical debt nor have I received an adequate validation from the collector. According to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any incorrect information that affects my credit history.

I request that you investigate this matter and provide me with : 1. Documented proof of the original debt.

2. Evidence that this account belongs to me.

3. Details of any validation sent in my name.

Until it is properly validated, I request that this account be removed from my credit history, as it is causing unjustified damage to my score and financial reputation.

I attach a copy of my identification and proof of address to facilitate verification.

I appreciate your attention and prompt response to this claim.

Sincerely,

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 2025-07-07 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
Between XXXX XXXX XXXX XXXX XXXX XXXX, I sent approximately {$2900.00} through Zelle as payment for a promised service. The person I was dealing with instructed me to send payments to another individuals account. Another partner was also involved. 

Despite repeated requests for the service and communication, the service was never delivered. The individuals left me on read multiple times, showed a lack of communication, and became upset when I persistently asked for updates. Eventually, communication stopped altogether. 

I have recently reported this scam to Zelles customer support and am awaiting their investigation. I request that the CFPB ensure Zelle and the involved banks thoroughly review these transactions and assist with recovering my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX, a fraudulent transaction of {$6000.00} was charged to my PayPal Extras Mastercard account ( ending in XXXX ) for a purchase at XXXX XXXX. The merchandise was allegedly delivered to an address in XXXX XXXX, XXXX and signed for by someone named " XXXX XXXX, '' who is completely unknown to me. 
I have not lived at that address since XXXX, and I have provided clear evidence of my actual address at the time ( bank statements from XXXX and XX/XX/XXXX showing my address in XXXX XXXXXXXX XXXX  ). 
I immediately disputed this transaction with Synchrony Bank ( which issues the PayPal Extras Mastercard ) and have spent over two years repeatedly submitting supporting documentation, including : Fraud Investigation Forms ( most recently dated XX/XX/XXXX ) Proof of address Timeline of my dispute attempts Copies of all prior correspondence Despite my ongoing efforts, Synchrony Bank has continuously denied my claim and refused to reverse the charge. They claim the items were " delivered to my verified address, '' which is entirely incorrect. 
Timeline of my actions and contact attempts ( partial list ) : XX/XX/XXXX : Reopened dispute and spoke with representative XXXX XX/XX/XXXX : Reopened case and faxed supporting documents on XX/XX/XXXX XX/XX/XXXX : Reopened case after contacting customer service XX/XX/XXXX : Reopened with representative XXXX XX/XX/XXXX : Case marked pending after speaking with XXXX XX/XX/XXXX : Reopened with XXXX ; documents faxed again XX/XX/XXXX : Spoke with XXXX ; informed investigation would take another 30 days XX/XX/XXXX : Submitted Fraud Investigation Form and documents again Most recently, on XX/XX/XXXX, Synchrony officially responded to CFPB ( Case Number XXXX ) and " Closed with explanation, '' again denying my claim and providing no satisfactory resolution. 
I have suffered extreme emotional distress, financial harm, and credit damage as a result of this ongoing unresolved fraudulent charge. 
I am requesting the following resolution : immediate reversal of the fraudulent charge, correction of any related negative credit reporting, and a final written confirmation that this matter is fully resolved.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Dear CFPB, I am filing this formal complaint against Equifax for reporting inaccurate, incomplete, and unverifiable information on my credit report in direct violation of the Fair Credit Reporting Act ( FCRA ). Despite my good faith efforts to dispute these inaccuracies, Equifax has continued to report false negative payment history on the following accounts, which are severely harming my credit profile and financial opportunities : XXXX XXXX XXXX XXXX XXXX XXXX XXXX High Balance : {$520.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX Issue : This account is incorrectly reporting a late payment that is not supported by any verifiable documentation. I never received any billing notices or delinquency notices, and Equifax failed to provide verification upon dispute. The reporting is unsubstantiated and misleading. 
FCRA Violations : 15 U.S. Code 1681i ( a ) : Requires credit bureaus to delete or correct information if the creditor can not verify it within 30 days.

15 U.S. Code 1681e ( b ) : Requires credit bureaus to ensure maximum possible accuracy in consumer files. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX High Balance : {$500.00} Date Opened : XX/XX/XXXX * * Issue : This account also shows a late payment that I dispute as inaccurate. I have not been provided with any billing history or proof of delinquency from the creditor, nor has Equifax produced any such verification upon my formal dispute. This inaccurate reporting has damaged my credit reputation. 
FCRA Violations : 15 U.S. Code 1681i : The item must be removed if unverifiable.

15 U.S. Code 1681e ( b ) : Failure to ensure maximum possible accuracy in reporting.

These inaccurate accounts have significantly lowered my credit score, led to denials of auto loans and credit applications, and caused immense emotional distress. I have exhausted all reasonable steps with Equifax and now seek CFPBs assistance to ensure these violations are addressed, and the false data is permanently removed from my report. 
I respectfully request that the CFPB investigate this matter thoroughly and require Equifax to : Remove all inaccurate and unverifiable information listed above Provide me with written confirmation once the corrections have been made Ensure full compliance with FCRA and prevent future violations If needed, I am ready to provide supporting documents, screenshots of disputes, and copies of correspondence. 
Thank you for your attention to this matter. I trust the CFPB will take appropriate action to protect my rights as a consumer under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-07 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: CT

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 2025-07-07 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: NJ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : 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 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 non-monetary relief
Consumer complaint received 2025-07-07 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:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 
XXXX FRAUDULENT ACCOUNTS : 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 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I disputed a bankruptcy listed on my credit report, but the credit bureaus have not removed it or provided proof that it was properly verified. It either does not belong to me or is inaccurate, and no proper reinvestigation was conducted within the required time frame.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to respectfully request a goodwill adjustment for late payments that were reported on my closed Capital One account ( ending in XXXX ). I am not disputing the accuracy of the reporting, and I fully acknowledge my responsibility for the missed payments. 

At the time, I was going through a period of financial hardship and was unable to access my account, which caused the delinquency. Since then, Ive worked hard to recover and have maintained all other accounts in good standing. Ive also taken steps to improve my overall financial habits and creditworthiness. 

I contacted Capital One to request a goodwill removal of the late marks, but was told that such requests are discarded and no exceptions are made, even for closed accounts with otherwise positive history. Im simply asking for a courtesy to help improve my credit profile as I work toward financial recovery. I believe this type of adjustment is allowed under the Fair Credit Reporting Act, as it does not involve reporting inaccurate information but instead reflects a discretionary policy decision by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: VA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-07 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: CL Holdings LLC
State: PA

Complaint narrative:
I am writing to formally lodge a complaint against Jefferson Capital Systems and XXXX XXXX XXXX for reporting false information to my credit report without my authorization. The accounts in question are charged-offs, which should not be reported as income on my credit report. 

According to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681 section 602, consumer reporting agencies must act with fairness and respect for consumers privacy rights. As a consumer, I have the right to ensure that my private information is not shared without my consent, as supported by 15 USC 6801, which mandates financial institutions to protect the privacy of consumers nonpublic personal information.

Furthermore, 15 USC 1681 section 604 clearly states that consumer reporting agencies may only furnish reports according to the written instructions of the consumer. I have not provided such consent, in any form, to XXXX XXXX XXXX XXXX  to share my information. All prior consents are hereby revoked. 
Additionally, the reporting of these charged-off accounts contradicts 15 USC 1681c ( a ) ( 5 ), which prohibits consumer reporting agencies from including adverse items of information beyond the legally permissible timeframe. The original accounts, categorized as charged-offs, represent a certificate of indebtedness and should not be reported as income, as income is not permitted on credit reports.

Moreover, 15 USC 1681s2 ( A ) ( 1 ) prohibits a person from furnishing information to consumer reporting agencies if they know or should know the information is inaccurate. XXXX XXXX XXXX have failed to maintain reasonable procedures to prevent such violations as required by 15 U.S. Code 1681e.

Lastly, I wish to invoke my right to opt-out of your reporting services as per 12 CFR 1016.7.

I respectfully request an immediate investigation into this matter and the removal of any inaccurately reported information from my credit file.

Company response to consumer: Closed with explanation