vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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 was recently charged a {$2.00} paper statement fee on my Victorias Secret credit card, issued by Comenity Bank, despite never opting into such a fee or being clearly notified of this new charge. I did not consent to receive paper statements with a fee attached, and I believe this charge was added quietly, likely relying on customers overlooking it. 

I feel this practice is deceptive and predatory, especially toward customers who prefer or need paper statements due to accessibility, recordkeeping, or technological limitations. Charging a monthly fee for something that used to be standard, without a clear warning or affirmative consent, is deeply unethical. I found out only after reviewing my statement there was no separate, prominent notice or opt-in. 

I believe Comenity Bank is violating the spirit of fair disclosure and transparency by quietly adding this fee. Im asking the CFPB to review this practice and require companies like Comenity to either : Obtain affirmative consent before charging any paper statement fee, OR Provide paper statements free of charge unless explicitly declined. 

Please help hold Comenity accountable for this questionable practice and protect other consumers from being unfairly charged.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-01 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: AL

Complaint narrative:
Upon conducting a recent and thorough review of my credit report, I identified multiple entries that are factually inaccurate and do not reflect my true credit history. As such, I am formally demanding immediate correction in accordance with the Fair Credit Reporting Act ( FCRA ).

Under 15 U.S. Code 1681e ( b ), consumer reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information they report. Your failure to do so constitutes a direct violation of federal law.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, 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 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 ; Furthermore, pursuant to 15 U.S. Code 1681i ( a ) ( 5 ), if any disputed information is found to be inaccurate, incomplete, or unverifiable during a reinvestigation, the reporting agency must promptly delete or modify that item and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, OPENED XXXX, BALANCE {$3100.00}. 
XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX, BALANCE {$11000.00}. 
XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX, BALANCE {$120.00}. 
XXXX XXXX, ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX, BALANCE {$710.00}.

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 2025-06-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am filing a complaint against Midland Credit Management for failing to properly validate a debt they claim I owe, originally from XXXX . 

I sent Midland a written dispute letter on XX/XX/2025 requesting full validation under the FDCPA. They responded with a generic letter that did not include a signed contract, an itemized list of charges, or proof that they own or have the legal right to collect the debt. 

I then sent a final notice letter requesting proper validation or removal of the account. They have not responded to that letter, and they are still reporting the debt to the credit bureaus. This is affecting my credit and causing me financial harm. 

Midland is in violation of FDCPA 1692g ( b ) and FCRA 1681s-2 ( b ) by continuing collection activity and reporting without providing meaningful validation. I have attached the letter they sent as their validation, which clearly does not meet legal standards. 

I am asking that this account be removed from my credit reports unless Midland can provide full, contract-level documentation that proves the debt is valid and collectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have repeatedly disputed inaccurate and unauthorized items appearing on my credit reports with Experian, Equifax, and TransUnion. These include : An installment account from XXXX ( Account # : XXXX ) A collection account from XXXX XXXX XXXX ( Account # : XXXX ) A XXXX XXXX open account ( Account # : XXXX ) Numerous unauthorized hard inquiries ( see list below ) I hereby formally request, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), that you provide the method of verification used to verify the accuracy of each disputed item, including the name and contact information of the furnisher, and any documentation you relied upon in your reinvestigation.

I have submitted formal disputes under the Fair Credit Reporting Act ( FCRA ), but each time I received a vague form letter stating the items were verified without providing documentation or the method of verification ( MOV ), which is required by law. 

I specifically requested : The method of verification used The name and contact information of the furnisher Documentation used to verify the disputes These requests were ignored or evaded. I believe the credit bureaus have failed to conduct a lawful reinvestigation and are in violation of FCRA 611 and 1681i. The continued reporting of unverified information is damaging my credit standing.

I also disputed the following unauthorized hard inquiries, as I do not recall giving consent : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, and others I was told these inquiries were authorized without being shown proof or signed application documents. This is a violation of FCRA 604, which governs permissible purpose.

I have asked for verification and have received stall tactics. I believe the credit bureaus are willfully noncompliant, and I am asking the Consumer Financial Protection Bureau ( CFPB ) to intervene.

Thank you for your immediate attention to 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I have repeatedly disputed inaccurate and unauthorized items appearing on my credit reports with Experian, Equifax, and TransUnion. These include : An installment account from XXXX ( Account # : XXXX ) A collection account from XXXX XXXX XXXX ( Account # : XXXX ) A XXXX XXXX open account ( Account # : XXXX ) Numerous unauthorized hard inquiries ( see list below ) I hereby formally request, under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ), that you provide the method of verification used to verify the accuracy of each disputed item, including the name and contact information of the furnisher, and any documentation you relied upon in your reinvestigation.

I have submitted formal disputes under the Fair Credit Reporting Act ( FCRA ), but each time I received a vague form letter stating the items were verified without providing documentation or the method of verification ( MOV ), which is required by law. 

I specifically requested : The method of verification used The name and contact information of the furnisher Documentation used to verify the disputes These requests were ignored or evaded. I believe the credit bureaus have failed to conduct a lawful reinvestigation and are in violation of FCRA 611 and 1681i. The continued reporting of unverified information is damaging my credit standing.

I also disputed the following unauthorized hard inquiries, as I do not recall giving consent : XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  ( XX/XX/XXXX ) XXXX  XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, and others I was told these inquiries were authorized without being shown proof or signed application documents. This is a violation of FCRA 604, which governs permissible purpose.

I have asked for verification and have received stall tactics. I believe the credit bureaus are willfully noncompliant, and I am asking the Consumer Financial Protection Bureau ( CFPB ) to intervene.

Thank you for your immediate attention to 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 non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing a collection account reported by XXXXXXXX XXXX XXXXXXXX for {$180.00} allegedly owed to XXXX XXXX. I never received a notice of debt, original signed agreement, or billing breakdown. I requested validation under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ), and no proof has been provided. The account shows {$0.00} past due but is still marked as a collection, which is misleading and inaccurate. This violates FCRA 623 regarding maximum accuracy in reporting. I demand this account be deleted from all credit bureaus due to lack of legal validation and reporting errors.

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 2025-06-01 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: TX

Complaint narrative:
My name is XXXX XXXX. Last XXXX of my SSN is XXXX and I have been trying to get my credit reports cleared and my good name restored from the fraudulent account that was placed on my reports over 3 years ago. The account that I have been trying to get taken off is a collection account from XXXX XXXX XXXX XXXX. It was opened on XX/XX/2022. They are reporting an outstanding balance of {$600.00}. I have taken every measure that the bureaus have instructed me to get this removed immediately and the account has still remained on my credit reports with no legal justification given to me and according to tmy rights under the FCRA the account should be removed and blocked from ever reporting on my credit again. I have sent my FTC Report Number XXXX as well as a copy of my Driver 's license to confirm my identity and the bureaus have just sent me stall letters requesting the same documents I know I already sent. I need this matter resolved quickly as I am waiting on this item to be removed in order for me to proceed with using my credit to purchase my first house. Thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries I've found due to identity theft. I also attached my identity theft report as well. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: RI

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT Collector : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Zip XXXX ( account number ) XXXX HAS VIOLATED MY RIGHTS. H 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 
15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

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 2025-06-01 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: PA

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable late payment entries currently listed on my credit file, as reported by XXXX XXXX  Specifically, I am referring to the late payment ( s ) allegedly reported under account number XXXX and XXXX XXXX XXXX XXXX Specifically, I am referring to the late payment ( s ) allegedly reported under account number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: TX

Complaint narrative:
I am being contacted by a debt collector, XXXX XXXX XXXX, attempting to collect a debt on behalf of a company called XXXX XXXX XXXX. The amount they claim is {$2000.00}. I dispute this debt. 

I did sign a membership agreement with XXXX XXXX XXXXXXXX in XX/XX/year>, and I made several payments totaling over {$900.00}. I stopped using the service and canceled my participation, but they continued to bill me, even though I revoked authorization. 

Their contract was misleading and inconsistentbilling amounts changed unexpectedly and the cancellation process was not clearly explained. I never received confirmation of cancellation, and now I'm being pursued for the full amount, even though I didnt use the service for the full term. 

I submitted a debt validation request, and they sent documents, but they still failed to justify the balance or explain why billing continued after I disengaged. 

I am requesting that the CFPB assist in investigating this issue. I want the collection account to be closed and the debt marked as disputed. I also request assurance that it will not be reported to the credit bureaus.

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 2025-06-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Rent Recovery Solutions XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX Re : Formal Dispute as reported to XXXX  Gentlemen : Under the provisions of the Fair Credit Reporting Act ( FCRA ) and section 15 USC 1692g, I am formally disputing the above listed account as reported to XXXX under your company name [ XXXX ]. In disputing the accuracy of this debt, I hereby request the following actions be taken : 1. Provide the name and address of the original creditor : 2. Provide original account number : Include the original account number associated with this debt. 3. Provide total amount owed and calculation details : Please detail the total amount owed ( {$1400.00} ) and provide a breakdown of how this amount was calculated, including any interest and fees. 4. Provide documentation of debt transfer : Provide documentation showing how this debt was transferred from the original creditor to your agency. 5. Proof of legal right to collect : Please provide evidence that you have the legal right to collect on this debt. The account number XXXX is incorrectly attributed to me, and its presence on my credit report constitutes a violation of the FCRA. I request that this account be fully verified ; if you are unable to do so, I respectfully request that you cease reporting this account to the credit bureaus and remove it from my credit report, including XXXX and XXXX. In accordance with the FCRA, I request that you complete a full investigation of this dispute and remove this account from my credit report within 30 days of receiving this letter. Should you fail to resolve this matter within the required time frame, I will be forced to file a complaint with the Federal Trade Commission and may seek further legal remedies. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
Subject : Unauthorized Solar Loan Agreement Dividend Solar Finance ( Loan ID : XXXX ) Consumer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX Company Involved XXXX Dividend Solar Finance ( Dividend Finance ) Loan ID : XXXX I am a legal co-owner of the property at XXXX XXXX XXXX, XXXX, MA XXXX, XXXX XXXX in the XXXX XXXX XXXX of Deeds. I am formally disputing a solar loan agreement ( Loan ID : XXXX ) issued by Dividend Solar Finance. While I agreed to the solar panel installation as a home improvement project discussed in my household, I was never introduced to, consulted on, or given the opportunity to review or sign the financial loan agreement associated with it. I had no contact with Dividend Solar Finance at any point.

The loan was signed solely by my husband, who assumed I would be reviewing and signing the documents as well. That never occurred. I did not give my consent, nor did I knowingly agree to use our home as collateral. As such, this contract was executed without full and informed consent from all legal owners of the property. 

I only became aware of the full terms of the loan and its impact recently, when we began the process of selling our home and I reviewed the paperwork more closely. This is how I discovered that a lien had been placed on the property without my knowledge or approval.

Dividend Solar Finance failed to perform basic due diligence. A simple deed lookup would have shown that I am a co-owner. Their oversight resulted in a financial agreement that encumbered our property improperly. Their own terms state that all legal property owners must be involved, especially when a lien or encumbrance is being placed on a home. 

I sent a formal dispute and cancellation request to Dividend Solar Finance on XX/XX/2025, and have not received any written response more than 15 days later. I have already filed a complaint with the Massachusetts Attorney Generals Office and am now requesting assistance from the CFPB.

I respectfully ask the CFPB to investigate this matter and support the cancellation of the loan, removal of the lien, and refund of any payments made under this unauthorized agreement, minus reasonable depreciation. I also request a pause on billing and collections activity while the issue is under review. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Ga XXXX To : Consumer Financial Protection BureauRe : Complaint Against XXXX XXXX XXXX XXXX Credit Reporting & FDCPA Violations Dear CFPB Officer, I am filing this complaint regarding the actions of XXXX XXXX XXXX XXXX a third-party debt collector who is currently reporting a derogatory item on my credit report. This entry is having a severe impact on my ability to secure essential credit, including access to housing for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Amsher Collection Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, Ga XXXX To : Consumer Financial Protection BureauRe : Complaint Against XXXX XXXX XXXX Unlawful Credit Reporting & FDCPA Violations Dear CFPB Officer, I am filing this complaint regarding the actions of XXXX XXXX XXXX XXXX a third-party debt collector who is currently reporting a derogatory item on my credit report. This entry is having a severe impact on my ability to secure essential credit, including access to housing for my family.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation