vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Purchase made on XX/XX/2025 in the amount of {$1400.00}. Part of 12 month interest waiver plan with XXXX XXXX XXXX. 

Called customer service to dispute interest charge ( {$19.00} ) on first statement received on XX/XX/2025 due to incorrect expiration date on promotional plan. Refunded for interest charge. However, expiration date of promotional plan was never corrected. 

Additional interest has continued accrued since date of purchase despite being within 12 month interest waiver plan. 

XX/XX/2025 - {$28.00} XX/XX/2025 - {$26.00} XX/XX/2025 - {$27.00} XX/XX/2025 - {$25.00} XX/XX/2025 - {$7.00} XX/XX/2025 - {$3.00} On numerous occasions, have called XXXX XXXX XXXX customer service ( comenity ) and told to contact XXXX. Informed by XXXX to contact bank, Comenity, that issued card. 

No solution provided by either party to resolve issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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: MA

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within XXXX ( XXXX ) business days. 
The following information on my credit report is the result of identity theft and must be blocked XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of XXXX year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EXPERIAN multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than XXXX  days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I received a text message from Chase inquiring whether I had attempted to authorize a transaction in the amount of {$220.00}. I confirmed that I had not. Shortly thereafter, I received a follow-up message and an email from Chase indicating that my card had been locked and that a replacement card would be issued. 
On XX/XX/year>, while reviewing my bank account, I discovered several unauthorized transactions totaling approximately {$1300.00}, all of which were made on XX/XX/year>. 
I filed a claim with Chase on XX/XX/year>, and initially received a refund. However, on XX/XX/XXXX and XX/XX/year>, I received letters from Chase stating that {$240.00} of the refunded amount would be debited back from my account. 
On XX/XX/year>, I contacted Chase by phone to dispute this decision. I was informed that Chase had found evidence allegedly linking me to transactions made at XXXX. I reiterated that I did not make those transactions or any of the other disputed charges. Despite this, I was told that no further assistance could be provided. I emphasized that I should not be held responsible for these charges, particularly given that my card was supposed to have been locked on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$19000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: FL

Complaint narrative:
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/ Violation of regulation V - I have some company called XXXX XXXX using a company called Credit Management reporting medical debt I have zero knowledge of on my credit report for {$1200.00}. Accepting to your ruling in XX/XX/year>, medical debt is not reported to credit bureau however this company has done exactly that. I don't even know who they are and my credit score has dropped with Transunion and XXXX  because of this reporting on a medical debt I have not knowledge of. What can I do to dispute this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I had an appointment at U.S. Bank, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, scheduled for XXXX XXXX. However, the branch did not open until XXXX XXXX, even though the posted hours state XXXX XXXX. Despite my appointment, staff ignored the schedule and served people in random order, telling me that having an appointment made no difference. 

I have a XXXX ( XXXX XXXX ) and live with constant pain and mobility difficulties. Standing for long periods is extremely difficult for me, which is why I scheduled the appointment in advance to minimize waiting. By refusing to honor my appointment and forcing me to wait, the branch disregarded my needs and caused me significant physical discomfort. 

When I pointed out that the branch opened late, a staff member excused themselves by saying we are just regular people instead of apologizing. This response was dismissive and offensive, making me feel as though I was not considered a person deserving of respect. No one apologized for the delay or the inconvenience. If the staff had simply apologized and treated me respectfully, I would not be filing this complaint. 

This lack of professionalism, refusal to honor appointments, failure to open on time, and dismissive treatment toward a customer with a XXXX prevented me from accessing timely financial services and could have caused financial harm.

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 2025-08-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: MARINER FINANCE, LLC
State: LA

Complaint narrative:
According to F C R A section 605b, it is illegal to report information on my credit report without my permission. Thank you! Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing a complaint regarding a fraudulent XXXX transaction in which I was scammed out of {$2000.00} by someone impersonating a Chase Bank representative. I received a phone call from the number XXXX, which I verified through a XXXX search and confirmed was listed as a Chase Bank branch in XXXX. The caller claimed to be from Chase Bank and informed me there was suspicious activity on my account. They instructed me to use XXXX to reverse a supposed fraudulent transaction and guided me through sending {$2000.00}. Because the caller ID matched an official Chase number and the caller sounded professional, I believed the request was legitimate. 

Shortly after completing the XXXX transfer, I realized that I had been the victim of a scam. I immediately contacted Chase Bank to report the incident and filed a fraud claim. Despite explaining that the caller had spoofed an official Chase number and impersonated a bank employee, Chase closed the claim and stated there was nothing they could do. I am devastated and frustrated by this response. I took every reasonable step to verify the callers identity, including checking the number online, but was misled by sophisticated tactics that exploited my trust in the bank. 

I believe this situation was not my fault, and I am seeking assistance from the Consumer Financial Protection Bureau to help recover my lost funds. This incident reflects a growing issue with impersonation scams and the use of XXXX in fraudulent activity. I feel that Chase Bank failed to protect me as a consumer and did not handle the situation with the seriousness it deserves. I hope the CFPB can investigate this matter further and assist in finding a resolution. I did put in another claim because they had me do XXXX transactions. {$2000.00} and {$500.00}. You have assisted me with the {$500.00}, I hope you can help me with the larger amount. Please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-28 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 did not open or authorize these accounts. Please remove them from my credit file within 15 days in compliance with USC 1681g. Documentation is provided.

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 2025-08-28 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Debt Recovery Solutions, LLC
State: TX

Complaint narrative:
Ive settled with XXXX XXXX XXXX for the same trade line. The debt was apparently sold to Recovery Debt Solutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX DOB : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX To : Cavalry Portfolio Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX Re : Demand for Validation of Alleged Debt Account # XXXX ( XXXX  XXXX ) Notice of Dispute & Debt Validation Request under the Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692g ( b ) ) I am formally disputing the validity of the above-referenced account that Cavalry Portfolio Services is attempting to collect . This letter serves as my request for full validation of this alleged debt, as provided by the FDCPA.

This account is reported as follows : Original Creditor : XXXX  XXXX Current Reported Balance : {$2700.00} Cavalry Portfolio Services Reference/Acct # : XXXX Grounds for Dispute 1. Fraudulent / Identity Theft Account The original creditor, XXXX  XXXX, has already received my FTC Identity Theft Fraud Affidavit concerning this account. This establishes that the account was the result of identity theft and therefore has not been verified as mine. Any attempt by Cavalry Portfolio Services to collect or report this account without proper proof of ownership and legitimacy violates federal law.

2. Failure to Provide Validation ( FDCPA 809 ( b ) ) To date, I have received no documentation proving that Cavalry Portfolio Services has legal ownership or assignment of this alleged account. You are required by law to provide : The original signed application or contract bearing my signature, Complete payment history from XXXX  XXXX, Proof of chain of custody/assignment showing Cavalry Portfolio Services has the right to collect.

3. Cease Collection Until Validation Under the FDCPA, you must cease all collection activity, including reporting to the credit bureaus, until you provide the requested validation.

Formal Demand Accordingly, I demand the following : 1. Provide Full Validation of this alleged account within 30 days, including all required documentation listed above.

2. Cease All Collection & Reporting until such validation is provided.

3. Remove/Delete this account from all credit reporting agencies if you can not provide complete and verifiable validation.

Notice of Regulatory Escalation Be advised : I am simultaneously disputing this account with XXXX  and filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) to ensure federal oversight. If Cavalry Portfolio Services continues collection efforts without validation, I will also escalate to the Federal Trade Commission ( FTC ) and the California Attorney Generals Office, and pursue all available legal remedies for damages under the FDCPA and FCRA. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
Kindly remove these unauthorized accounts from my credit report. I never approved their opening and had no prior knowledge of them. As outlined under USC 1681g, I am requesting their removal within 15 days. Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: GREENSTATE CREDIT UNION
State: IL

Complaint narrative:
I submitted FTC Identity Theft documentation and disputes directly to the bureaus.

The accounts were marked verified, but no documentation was ever provided.

If a collector verified with the bureaus but did not validate to me directly, this creates an FCRA + FDCPA violation combo.

Fraudulent accounts were deleted from one bureau but remain on others. This inconsistency proves the information is not verifiable and demonstrates further non-compliance.

I am a victim of identity theft, and fraudulent accounts have been reported on my credit file I disputed the accounts multiple times with XXXX, XXXX, and XXXX, but they continue to verify the information without providing any proof or documentation.

This violates several federal consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( Section 611 ) Requires credit reporting agencies to conduct a reasonable reinvestigation of disputed information.

If the furnisher can not verify with proper documentation, the bureaus must delete the information.

The bureaus have continued to report unverifiable information, violating this requirement.

FCRA 15 U.S.C. 1681c-2 ( Section 605B ) When an identity theft report is submitted, the bureau must block the fraudulent information within 4 business days.

Despite providing evidence, the bureaus have failed to comply.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g If a debt collector is involved, they must provide full validation of the debt upon request, including : The original contract with a wet signature, A complete chain of assignment, and A detailed breakdown of the alleged debt.

The collector either failed to provide this or provided an incomplete response, which is a direct violation.

Failure of Furnishers ( FCRA 1681s-2 ) Data furnishers have a duty to report accurate information and to correct or delete unverifiable data.

Instead, they continue to furnish false information after disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: AZ

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: FL

Complaint narrative:
There is a late payment on my report that seems incorrect. Please investigate and correct it urgently based on my reliable payment history.

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 2025-08-28 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: AL

Complaint narrative:
I did not authorize this inquiry, and I had no contact with the lender on that date.

Company response to consumer: Closed with non-monetary relief