vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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:
Business Name : XXXX Credit Card XXXX Comenity Bank Account : XXXX Credit Card ending in XXXX Summary of Complaint : On XX/XX/XXXX, I paid my XXXX Credit Card ( issued by Comenity Bank ) account in full, reducing the balance to {$0.00}. Despite this, I received a new statement showing an interest charge of {$15.00}, billing me interest on what should be a XXXX balance. 

On XX/XX/XXXX, I contacted XXXX Bank customer service to resolve the issue. 

At approximately XXXX XXXX, I spoke with XXXX, who refused to give his position or escalate to a supervisor and then disconnected the call. 

At XXXX XXXX, I spoke with XXXX ( ID XXXX ), who created a complaint record ( ID XXXX ) but could not provide me with a copy of the complaint. 


This appears to be an improper finance charge after the balance was paid off in full. I believe this violates fair billing practices under the Fair Credit Billing Act ( FCBA ). I am requesting that the FTC investigate this practice, as I should not be billed interest on a XXXX balance. 


-- - Resolution sought : Removal of the {$15.00} interest charge Assurance that no further interest or fees will be charged on this paid-off account Review of Comenity Bank 's billing practices for compliance with the law.

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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding an unauthorized hard inquiry appearing on my Experian credit report. 

Details of the inquiry : Creditor/Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX did not apply for credit or authorize this company to access my credit report. This violates FCRA 604 ( a ), which limits credit report access to those with a permissible purpose and my consent.

I have contacted Experian to dispute this unauthorized inquiry and demand its removal per FCRA 611 ( a ). I also request that Experian provide documentation showing that this creditor had a legitimate permissible purpose and obtained my authorization. 

If Experian can not provide such documentation, this inquiry must be removed immediately under federal law. 

I have attached copies of : My government-issued ID. 

Proof of current address. 

My credit report showing the disputed inquiry. 

I am requesting that the Consumer Financial Protection Bureau ( CFPB ) ensure that Experian fully investigates and resolves this issue.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
This account or accounts were open by someone else using my personal information at someone's living address. I never lived at these addresses these accounts were open. 

I also request verification of the alleged debt, specifically a copy of the original purchase agreement. This agreement, must be with the original creditor and signed by all parties involved under the fair credit act. I requested this also because different companies are reaching out to me about the same debt.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts, inquiries and even late payments appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts, inquiries and even late payments appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of 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 non-monetary relief
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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My student loans have showed up as 90 days past due ( delinquent ) on my credit report. This greatly affected my score. I started back school XX/XX/year>. At this point my loans may have been 30 days past due at this point. So I filed a deferment request with my loan servicer at the time ( neltnet ) and they never processed the request. I called them and they stated they had no records of the request but I have an email stating that I did. Therefore, my status was showing out of school and not in deferment. I have contacted the university I am enrolled in and they have manually processed my in school deferment form. I filed a dispute with Transunion and they found nothing inaccurate. I dont understand that verdict because I am literally enrolled in school and have been since the 90 day delinquent mark on my credit report.

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: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I purchased the property at XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. At the time of purchase, my lender, XXXX XXXX XXXX XXXX confirmed that the hazard insurance ( fire insurance ) from XXXX and the flood insurance from XXXX XXXX XXXX XXXX XXXX were sufficient and acceptable for funding the transaction. 

Shortly after closing, I was informed that my loan would be serviced by XXXX XXXX XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I began making my mortgage payments without any issues. 

Around XX/XX/XXXX, my loan was either sold or the servicing was transferred to Select Portfolio Servicing , Inc. ( SPS ). My monthly mortgage payment at the time was {$1700.00}, which remained stable until XX/XX/XXXX, when it unexpectedly decreased to {$1600.00} due to an escrow review. I was surprised by the decrease, as typically escrow-related expenses increase over time. The reduction stemmed from a shortage of approximately {$78.00} per month, which I was prepared to address. 

However, upon further review of my escrow account, SPS claimed that wind, hail, and earthquake insurance were missing. Despite the fact that the original lender did not require these coverages, SPS proceeded to force-place additional insurance policies after I declined to purchase them myself. I was informed that they had the authority to do so at their discretion. 

As a result, in XX/XX/XXXX, my monthly mortgage payment increased significantly to {$2400.00} an increase of {$730.00}, attributed to the lender-placed insurance. Since then, I have been unable to secure affordable wind, hail, and earthquake coverage on my own, and the increased payment has created a severe financial burden. 

In an effort to retain ownership of the home and avoid foreclosure, I was forced to accept a loan modification. Unfortunately, the rental income from the property is not sufficient to cover the increased mortgage amount, putting further strain on my finances. 

Most recently, on XX/XX/XXXX, I received a letter stating that SPS is placing an additional wind and hail policy totaling {$4300.00} annually. At this point, I am financially unable to absorb any further increases, and I am deeply concerned about my ability to continue making payments and maintaining the property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


I looked at my XXXX  Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

INQUIRIES : XXXX XXXX XX/XX/year> XXXX XXXX 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 2025-07-08 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: OH

Complaint narrative:
I submitted a identify theft report to all 3 credit bureaus ( Experian, Equifax and Transunion ) back in XX/XX/year> for XXXX they removed the account and it came back up on my report this month. So I submitted brand new FTC identity theft report. I'm not sure how they are allowed to keep inserting a fraudulent account on my report after its been proven to be fraud. 

I have attached the first FTC report an new report.

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 — Account information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax Information Services LLC, \nXXXX XXXX XXXX XXXX XXXX XXXXTo whom it may concern,\n\nI am writing to update/correct my personal information on file with your company.\n\nPlease update my personal information toXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXPlease remove all the other addresses off my report that are highlighted, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate.\n\nMy name is XXXX XXXX. Please remove any other aliases.\n\nPlease remove all phone numbers. They do not belong to me.\n\nSincerely,\n\XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Prince Parker & Associates
State: WI

Complaint narrative:
I am disputing a collection account being reported by Prince Parker & Associates. I do not recall owing this debt and have not received proper documentation verifying its validity. I submitted a written debt validation request to the agency and have not received a response. The account is damaging my credit and was recently added without proper notice or validation. This account is inaccurate and unverified and is causing significant harm to my credit profile.

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: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I filed complaints about false information on my credit report with TransUnion, Equifax, and Experian. I informed them of the infractions they were committing against my consumer report and provided a list of the accounts. They still haven't responded after more than XXXX days. Copies of every letter sent are included below. 

This business failed to label this disputed account as disputed, which is a violation of FCRA XXXX ( a ) b ). 


XXXX ( c ) running if the last activity date on this account is reporting and the period has also been broken. When should the most recent payment date appear? 

According to the FTC 's ruling, this firm has consistently neglected to validate this collection account, further violating FDCPA XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Breach of Arbitration Agreement XXXX XXXXXXXX # XXXX. 
Capital One Auto Finance shows deficiency balance. COAF breached a contract. 
Pursuant to our contract, I elected to initiate arbitration through the XXXX XXXX XXXX XXXX XXXX ) to resolve our dispute, as permitted under the arbitration clause COAF drafted. XXXX accepted my filing and invoiced COAF for all required arbitration fees, consistent with COAF obligation to pay such costs under California XXXX and COAF own contract. 
However, XXXX has informed me that COAF failed to pay its required arbitration fees within 30 days of the invoice, in violation of California Code of Civil XXXX XXXX. This constitutes a material breach and default under the arbitration agreement. COAF non-payment has caused XXXX to suspend and close the case. 
Under CCP 1281.98 ( c ), I now have the right to pursue my claims in court and seek monetary and other sanctions, including : Filing and administrative costs Attorneys fees Any damages caused by your delay A court order deeming arbitration rights waived

Company response to consumer: Closed with explanation