vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I am filing a complaint regarding inaccurate credit reporting of multiple charged-off retail credit card accounts. 

The above accounts are reporting balances that exceed the original credit limits. Once an account is charged off, no additional purchases can occur, and balances should not exceed the established credit line unless fully documented interest or fees are provided. 

In addition, the same accounts are reporting inconsistent credit limit information across credit bureaus, with some bureaus reporting a {$0.00} credit limit while others report an active credit limit for the same account. 

This inconsistent and inflated balance reporting violates the Fair Credit Reporting Act requirement for maximum possible accuracy under 15 USC 1681e ( b ) and the furnisher accuracy requirements under 15 USC 1681s-2 ( a ). 

I previously disputed these inaccuracies directly, but they remain uncorrected. I am requesting correction of the balances or deletion of the tradelines if accurate documentation can not be produced.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I would like to complain Chase Bank XXXX XXXX XXXX ultimate reward team. I was their card member since XXXX, XXXX and each year I paid {$550.00} annual fee to maintain my status. I considered myself a loyal customer to Chase and this particular card, and this is the first time I am writing a complaint to them. 
Chase was promoting an upgrade last year and implementing quite a few new rewards for the card member which included dining credit {$300.00} for the year, the XXXX one cut off in XX/XX/XXXX ( {$150.00} ) and the first date that Chase allowed us to use this new reward was XX/XX/XXXX. I was traveling 2.5 weeks in XXXX and XXXX out of the county so i booked the restaurant on XX/XX/XXXX to celebrate a great year of XXXX with my family. Within a few days I had noticed this restaurant credit was counted as XXXX reward instead of XXXX. Which i called in and had explained to XXXX with Chase, and he had issued a ticket to elevate the situation to Ultimate Reward Team.

After over a month of waiting, I received a letter straight out denial saying the transaction on made on XX/XX/XXXX and Chase can not do anything. The letter had not had one wording implied that the Ultimate Reward Team member had carefully considered my situation or any recorded phone conversations i had with XXXX explaining why that was happened or being the first time user for these new rewards and not familiar with the timeline..... etc. Anyway, I am super disappointed to a bank that i banked with over 20 years and being a XXXX card holder ( {$550.00} value/year ) with the same bank. I am definitely not paying that premium for a credit card with this level of service, and honestly I may withdraw all my bank accounts as well if I get treated the same way at my bank service department. 

XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
b'I have now had a situation come up XXXX  times with my bill pay app not working correctly. I have spent numerous hours getting someone to fix it in their end because they are incapable of understanding that it isnt on my end. The first time it finally got fixed. Its messed up again. I was just on the phone a grueling XXXX XXXX  hours for a simple trouble shoot before they finally opened a ticket. The person in the escalation department is named XXXX  and I am fairly certain its her second time making my life a living hell instead of opening a ticket to get it fixed.'

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a complaint against Comenity Capital Bank for failure to properly investigate and resolve a billing dispute under the Fair Credit Billing Act.

Timeline : This account was opened for emergency use. I did not realize at the time that the XX/XX/year> veterinary charge had posted to this card, which resulted in an unintended missed due date. Upon discovering the charge, I immediately paid the full principal balance. 
The principal balance was paid in full on XX/XX/year>. 
I called them immediately and a Comenity representative confirmed that the late fee would be reversed.

I relied on that representation and closed the account.

Despite the account closure, additional late fees and interest were assessed. 
I formally disputed these charges in writing on XX/XX/year>. 
Comenity failed to respond within the required investigation period I continue to receive collection notices and the balance is affecting my credit I am disputing all post-closure fees and interest totaling {$90.00}. I am requesting : Removal of all disputed charges Confirmation of {$0.00} balance Correction of any negative credit reporting Written confirmation of resolution I am attaching my original dispute letter and supporting documentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Back in XXXX I made purchases with XXXXXXXX XXXX XXXX  There were a few direct purchases from XXXXXXXX XXXX XXXX and there was a Pay in 4 using XXXX for around {$40.00} per payment. The entire total was around {$420.00}. I called CITI bank to dispute after i came to the conclusion a year after purchasing that XXXX was never going to fulfill my order. I send in all the proper documents highlighting the transactions, listing the total and which transactions I was disputing. With a handwritten letter as to what happened and why I was disputing. in XXXX. I never got an answer from citi bank. I tried several times throughout XXXX. They have log of me and my inquiry from XXXX and reference the same thing every time I call. They have all my recorded calls, and they make the same notes every time. I'm tired of repeating myself with no resolution. Its XXXX, I've been paying interest on these charges for 4 years! They never send me any of the paperwork they say there going to and they never tell me what i need to do. I can't go back in time to get the reports anymore because they only have them for 24 months, at most.

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 2026-02-09 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: LA

Complaint narrative:
am filing this complaint against Equifax Information Services LLC for failure to conduct a lawful reinvestigation as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

On XXXX XXXX I submitted a formal dispute to Equifax regarding the account reported as XXXX account number : XXXX XXXX XXXX account numberXXXX XXXX XXXX  account number XXXX My dispute included specific documentation disputing the accuracy and completeness of this account. Equifax responded by stating that the account was verified as accurate, but failed to address, evaluate, or respond to the documentation I provided.

Under 15 U.S.C. 1681i ( a ), Equifax is required to conduct a reasonable reinvestigation when a consumer disputes information in their credit file. A reinvestigation that merely parrots the furnishers response and ignores consumer-submitted evidence does not meet the legal standard of reasonableness under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
: I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: DE

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian , XXXX  XXXX XXXX  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 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 15 USC 1681s-2 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 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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: MI

Complaint narrative:
I was charged a {$45.00} late fee for a late payment. I did not have access to my email at the time the payment was due. I spoke with the Fidelity Cardmember services who stated the fee could not be waived because the account was closed. Although the customer service rep said the credit card can still charge fees, but can't waive a fee. The credit card company can keep charging additional interest and fees, but can't waive any interest and fees or any reason. This is not a fair and reasonable action as this is one sided in favor of the credit card company.

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 2026-02-09 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2026-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sunbit, Inc.
State: TX

Complaint narrative:
Several accounts were reported on my credit reports between XXXX and XXXX as collections or charge-offs with balances ranging from approximately {$200.00} to {$1900.00}. Some of these accounts continued to report balances after being charged off, and others appeared to be reported inconsistently across credit bureaus. 

In XX/XX/XXXX, I disputed these accounts with the credit reporting agencies and requested verification under the Fair Credit Reporting Act ( FCRA ). I have not been provided documentation showing that these accounts were accurately verified, including proof of the obligation or authority to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing because my dispute has not been properly handled, and it is clear that your bureau has failed to follow the law under 15 U.S. Code 1681i ( 4 ), which requires you to give full consideration to all relevant information I provide as a consumer.

I submitted supporting documents and explanations to show that the account and information in question are inaccurate. Instead of addressing the evidence I sent, your response appeared to be nothing more than a surface-level verification from the furnisher. This is not compliance with the law. The statute explicitly states that consumer-provided information must be considered during an investigation. By ignoring the materials I submitted, you are in direct violation of federal law and my rights under the Fair Credit Reporting Act ( FCRA ).

The presence of this inaccurate information continues to harm melowering my credit score, damaging my reputation, and interfering with my ability to access fair credit opportunities. You are required to conduct a proper reinvestigation that includes my documentation, not just a rubber-stamp validation from the furnisher.

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 2026-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I contacted Capital One after discovering that a savings account had been opened in my name without my authorization. I do not currently hold any Capital One accounts and did not open or apply for this account.

During my call, a representative confirmed that a savings account had been opened in my name on that same day. I was then transferred to the security department, where I spoke with a representative named XXXX. I attempted to obtain information regarding how the account was created and to have the unauthorized account closed. 

I was informed that I could not be provided any details regarding the accounts creation and that I would need to submit multiple documents to request further information. I explained that this account was fraudulent and that I was undergoing major XXXX that day, and I urgently needed the matter resolved. Despite this, the representative did not provide meaningful assistance and repeatedly restated scripted responses without addressing my concerns or taking steps to close the account.

As of today, the unauthorized account remains open. I have not received any written confirmation, correspondence, or resolution from Capital One regarding my fraud report. Instead, I continue to receive emails instructing me to deposit funds into an account that I did not open and have actively requested to be closed.

Capital Ones failure to promptly close a confirmed unauthorized account and failure to provide written confirmation or resolution places me at continued risk of identity theft and financial harm. I am requesting that this account be immediately closed, confirmed in writing as fraudulent, and that any records related to this account be removed and not reported to any consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am submitting this complaint regarding Jefferson Capital Systems, for inaccurate and unlawful credit reporting appearing on my XXXX  and XXXX  credit reports. As reported, Jefferson Capital System is furnishing duplicative tradelines for the same alleged obligation, resulting in double reporting of a single account originally associated with T-Mobile. This conduct is misleading and materially inaccurate under the FCRA, including 15 USC 1681e ( b ).

I previously disputed this matter through the credit reporting agencies. Jefferson Capital Systems responded with a generic automated " verified '' notice without proving competent documentation to substantiate the alleged debt, ownership, balance, or reporting authority. Automated or conclusory responses do not satisfy a furnishers duty to conduct a reasonable investigation under 15 USC 1681s-2 ( b ).

Additionally, the reported dates and projected removal timeline appear inconsistent with the original creditor 's history, raising concerns of illegal re-aging in violation of 15 USC 1681c ( a ) ( 4 ), This reporting may also constitute a misrepresentation under FDCPA, including 15 USC 1692e ( 8 ), I do not acknowledge or admit liability for this alleged account. I dispute the accuracy and legal compliance of all information furnished by Jefferson Capital Systems and request a full investigation and the deletion of any inaccurately or duplicative reported tradelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: AZ

Complaint narrative:
I am a consumer who is disputing certain items on my TransUnion credit report. These accounts are being reported incorrectly or are unverifiable, and I am requesting that TransUnion investigate these items for compliance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Charged-Off Accounts ( TransUnion ) XXXX XXXX  XXXX / XXXX | Date : XX/XX/XXXX | Balance : {$540.00} XXXX XXXX / XXXX | Date : XX/XX/XXXX | Balance : {$960.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX | Date : XX/XX/XXXX | Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX | Date : XX/XX/XXXX | Balance : {$840.00} XXXX XXXX XXXXXXXX | Date : XX/XX/XXXX | Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX Date : XX/XX/XXXX | Balance : {$1600.00} XXXX XXXX XXXX XXXX XXXXXXXX | Date : XX/XX/XXXX | Balance : {$1800.00} I request that TransUnion remove any account or entry that can not be accurately verified or documented according to the FCRA. 

Disputed Inquiries ( TransUnion ) : XXXX XXXX | Date : XX/XX/XXXX XXXX XXXX  | Date : XXXX XXXX XXXX | Date : XX/XX/XXXX The following accounts have incorrect or unverifiable late payments : XXXX  XXXX / XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX

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