vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I am a customer of XXXX XXXX ( issued by Comenity Bank ) and have been enrolled in a deferred interest plan for a purchase made on XX/XX/XXXX, expiring on XX/XX/XXXX. 

I was told by multiple customer service representatives that if I set up automatic monthly payments of {$240.00}, I would avoid any interest charges. I followed this advice in good faith, and made payments consistently. 

I recently discovered that unless I pay the remaining {$2000.00} balance in full before XX/XX/XXXX, I will be charged {$1600.00} in deferred interest retroactivelydespite all the verbal assurances I received.

I called customer service multiple times over the past year. I dont have exact dates, but I took notes of what was said. The advice I received was inconsistent : one representative mentioned I would need to request payment reallocation to apply payments to the correct plan, but no one ever explained how to do that or told me I had to request it in the first place. 

I was also charged {$2.00} per month for paper billing, despite being enrolled in paperless billing and never receiving a physical statement. 

I am now paying the full remaining balance immediately, under stress and short notice, only to avoid the {$1600.00} penalty. This experience has been confusing, misleading, and financially risky due to the companys lack of transparency about how payments are applied to deferred interest balances. 

I am filing this complaint prior to the expiration date, because I believe the companys unclear and inconsistent communication created an unfair situation that should be formally addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Incorrect Late Payment Reported by TD Bank on Closed Business Account On XX/XX/year>, I closed my TD Bank business credit card account, which was associated with my business EIN. After closure, a merchant ( XXXX ) attempted to charge the expired card. I had no access to the account and was unaware of the charge attempt. I received no notifications or billing from TD Bank. 

Despite the account being closed, TD Bank reported a delinquent payment to the credit bureaus. This has caused a significant and unfair drop in my credit score ( XXXX points ). I confirmed with TD Banks credit card department via phone that the account was closed on XX/XX/year>. 

Please investigate this matter and request TD Bank to remove the inaccurate derogatory mark from my credit reports ( XXXX XXXX and XXXX  ) as it is invalid and caused by a post-closure billing error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-10 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: CA

Complaint narrative:
I want to make it unequivocally clear that this complaint is valid. My credit report contains inaccurate information that fails to meet the federally mandated standard of maximum possible accuracy. These reporting errors are causing ongoing and unjust harm to my financial stability during an already challenging period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: KY

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 four ( 4 ) business days.

The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX  - XXXXXXXX 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 one 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 60 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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am reporting inaccurate and unverifiable information appearing on my credit reports, specifically with the following accounts : XXXX Account number XXXX Account is listed as " Collection/Chargeoff '' with a status of " Derogatory '' across all three bureaus ( TransUnion, Experian, Equifax ) XXXX 
Despite having a {$0.00} balance, $ 0 monthly payment, and {$0.00} past due, the account is still reported negatively. 

Date open of accounts remain inconsistent among Equifax, Trans Union and Experian. 

High credit balance remains inconsistent among Equifax, Trans Union and Experian. 

There is inconsistent reporting of credit limits and account details ( e.g., Equifax omits " Charge Account '' ). I previously disputed this information, but the investigation results lacked proof of validation ( no contract, billing history, or signed agreement provided ).

This violates FCRA 1681i and 1681e ( b ), which require reasonable procedures to ensure maximum possible accuracy. 
XXXX TransUnion reports the account as Closed and Current, while Experian shows it as Open with Unknown payment status.

High credit is listed as {$0.00} across both bureaus, which is unlikely and inaccurate for a revolving account with a {$1200.00} credit limit.

These inconsistencies call into question the integrity of the reinvestigation process after my prior dispute.

These errors misrepresent my creditworthiness and are causing harm. The reporting agencies failed to correct or delete unverifiable and conflicting data, as required under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am reporting inaccurate and unverifiable information appearing on my credit reports, specifically with the following accounts : XXXX Account number XXXX Account is listed as " Collection/Chargeoff '' with a status of " Derogatory '' across all three bureaus ( TransUnion, Experian, Equifax ) XXXX 
Despite having a {$0.00} balance, $ 0 monthly payment, and {$0.00} past due, the account is still reported negatively. 

Date open of accounts remain inconsistent among Equifax, Trans Union and Experian. 

High credit balance remains inconsistent among Equifax, Trans Union and Experian. 

There is inconsistent reporting of credit limits and account details ( e.g., Equifax omits " Charge Account '' ). I previously disputed this information, but the investigation results lacked proof of validation ( no contract, billing history, or signed agreement provided ).

This violates FCRA 1681i and 1681e ( b ), which require reasonable procedures to ensure maximum possible accuracy. 
XXXX TransUnion reports the account as Closed and Current, while Experian shows it as Open with Unknown payment status.

High credit is listed as {$0.00} across both bureaus, which is unlikely and inaccurate for a revolving account with a {$1200.00} credit limit.

These inconsistencies call into question the integrity of the reinvestigation process after my prior dispute.

These errors misrepresent my creditworthiness and are causing harm. The reporting agencies failed to correct or delete unverifiable and conflicting data, as required under FCRA.

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 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX, a salesman from XXXX XXXX XXXX XXXX walked up our driveway promoting a free 30 day trial on a Smart Home Security System. After listening to him explain about the savings, company, etc. I decided to have the system installed, but I would have to submit a debit or credit card to cover any damages that may occur to the equipment during the trial period. He assured me that nothing would taken or charged to the card as long I cancel within the time period. I agreed to this as well. On XX/XX/XXXX, the system was installed. A few days went and I noticed that my credit score went down by almost XXXX XXXX points, I started receiving credit information as if I opened up a line of credit with Fortiva. I started calling around to this company and also XXXX the salesmen. He picked up the phone only once, and never again. Since this time the trail cancelled, I talked to Fortiva and XXXX to reverse this issue with the credit card. I never authorized anyone to open up a {$4000.00} line of credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MD

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 XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$490.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} 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 : {$570.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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:
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 XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/year> ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MA

Complaint narrative:
I am filing this formal complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that Experian immediately block and permanently remove multiple fraudulent accounts, including the following : XXXX XXXX accounts reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and another on XX/XX/XXXX, as well as a XXXX XXXX account reported on XXXXwhich were added to my credit report without my knowledge or authorization. These accounts are the direct result of fraudulent activity, not any legitimate consumer transaction, and I have provided a valid FTC Fraud Report XXXX along with supporting documentation, including proof that my personal data was compromised in the Equifax data breach. I demand the removal of all fraudulent hard inquiries from my credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are Unauthorized Inquiry ( XXXX ) : Date of Inquiry ( XXXX ) : XXXX BANK XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX It is the credit bureaus legal obligation under the FCRA to review and block fraudulent, inaccurate, or incomplete information from a consumers file within XXXX ( XXXX ) business days of receiving proper documentation. I am demanding the immediate removal of all fraudulent items, a stop to all related collection activity, and confirmation that this dispute has been escalated for manual investigation, not automated processing. Failure to act in accordance with federal law may result in further legal action to protect my consumer rights.

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 2025-07-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Since XX/XX/XXXX - I closed my Citi Bank Best Buy card. There was a billing issue that even though I had a XXXX dollar balance, the system is triggering late fees. I have a call log of all of the calls I have made to fix this, they have now reported me to the credit bureau and my XXXX XXXX has significant dropped from a very high XXXX to a XXXX. 

I have called : XX/XX/XXXX XX/XX/XXXX XXXX XXXX the put in a formal investigation I called back XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX they again put in another investigation. told me 10 days I am on the phone with them and they are trying to see what is going on. 

this has been 6 MONTHS!! The card has been closed since XXXX with a XXXX balance. There is a back end platform issue. Also- i am getting daily calls at XXXX every day that I am delinquent on my account. that has a XXXX balance and has been closed but is still incurring late fees. 

I planned to buy a car this week and I can not get a decent rate. This has really messed it all up.

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 monetary relief
Consumer complaint received 2025-07-10 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: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from 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 non-monetary relief
Consumer complaint received 2025-07-10 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: IL

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 : XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: GA

Complaint narrative:
I am filing this dispute regarding several accounts that were fraudulently opened in my name. I did not authorize or open the following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX I contacted the credit bureaus by phone and was advised to file a police report to support my claim. I have complied and submitted a police report. The official case number is XXXX.

Company response to consumer: Closed with non-monetary relief