vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
For record : I dont have a paper trail of payments because I used Carters Easy Pay option to make what I thought would be the first and only payment. Then I ripped up the card and now I dont know my card # so Im unable to make an account.

I made one purchase with this credit card earlier this year around XXXX or XXXX. I missed a payment and the bill accumulated a late fee. I called the company asking for them to waive the fee and on the phone, the person told me that in addition to the late fee, I was being charged for paper statements and something else. While on the phone, I asked her to waive those additional fees as well because I never agreed to paper statements. She confirmed and did the math over the phone of what I owe and thats what I paid on XX/XX/year>. However, she never noted that on their end. Apparently, she did the math wrong or didnt remove the additional fees so there was a balance leftover of a little over {$5.00} that has been accumulating interest that I wasnt aware of until today XX/XX/year> and now my balance is over {$30.00} in simply fees. I called the company asking for their help and the first person. I spoke to told me that there was nothing she could do and that she would escalate the situation. Then I spoke to the person who I was transferred to, and the lady informed me that she cant help me because my account has been closed. Who closed my account and why? Not me. I just opened this card a few months ago and I was never even advised that this account was closed. However, she said that the closed account will continue to accumulated interest, and I had no option but to pay because there was no way she could adjust the total. Then I asked her to speak to someone else higher up and she just hung up on me. I called back and now theres an open email conversation with consumer affairs regarding my complaint. It seems that they want me to pay no matter what without willing to help me even though they gave me the incorrect total months ago to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
Kindly examine the materials listed ; these inquiries appeared without my knowledge or approval.

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 2025-11-04 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: Consumer Financial Services
State: IN

Complaint narrative:
XXXX of XXXX, also known as Consumer Financial Services, is reporting XXXX separate accounts under my name XXXX marked as paid and closed, and another marked as charged off. Both appear to represent the same auto loan, but they are being reported as XXXX different accounts, which is inaccurate and misleading. I disputed this with the credit bureaus and requested verification from the company, including proof of the original contract, payment history, and confirmation that these accounts were not duplicates. The company failed to provide any verification or correction. The duplicate and inconsistent reporting has negatively affected my credit profile and violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers to ensure accuracy and conduct a proper investigation when a consumer disputes an account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have identified inaccurate tradeline reporting on my consumer reports related to XXXX XXXX XXXX XXXX. I have submitted disputes to the credit bureaus and the furnisher. Despite providing written disputes and supporting identity documentation, the inaccurate information persists or has been re-introduced without proper certification, notice, or verification. The responses received were generic and did not address the specific errors identified. I have retained proof of my disputes, including XXXX XXXX mail tracking, screenshots/letters from the credit bureaus, and my FTC Identity Theft filing, where applicable. 

Applicable Laws : * FCRA 611 ( 15 U.S.C. 1681i ) : Reinvestigation duties after a consumer dispute. 
* FCRA 623 ( b ) ( 15 U.S.C. 1681s-2 ( b ) ) : Furnisher duty to investigate and correct after receiving notice from a CRA.

* FCRA 605B ( 15 U.S.C. 1681c-2 ), if identity theft is involved : Block of information resulting from identity theft.

* FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Maximum possible accuracy.

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 2025-11-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: GA

Complaint narrative:
On XXXX XXXX, I mailed a certified dispute and validation request from Penn Credit Corp regarding a collection they are reporting on my credit report for {$180.00}, I allegedly tied to " XXXX XXXX XXXX. '' I exercise my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act 15 U.S.C. 1681i ) to request proper validation and correction of inaccurate reporting. 

Despite receiving my dispute, Penn Credit Corp Continued to report the account as " verified '' with no documentation or proof of debt, The account remains on my credit report, updated as of XXXX XXXX, even though no validation was provided. 

Continuing to furnish unverifiable or inaccurate information after a formal dispute is a violation of federal consumer protection laws. 

I am requesting that Penn Credit Corp provide full validation of the alleged debt ( including original contract, itemized statement, and proof of ownership/assignment ), or that this account be deleted from all consumer reporting agencies noncompliance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent

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 2025-11-04 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: FL

Complaint narrative:
XXXX XXXX XXXX Bank is furnishing completely fabricated account timeline data to all three major credit bureaus, reporting an account that was allegedly opened and closed on the SAME DAY yet shows 11 years of subsequent activity. 
Account Details : Account Number : * XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX ( SAME DAY ) High Credit : {$30000.00} accumulated in " XXXX days '' Last Payment : XX/XX/XXXX ( 5 years after same-day closure ) Reporting continues through XXXX ( 11 years after one-day existence ) The Violation : This reporting defies the most basic logic : An account can not accumulate {$30000.00} in debt on the same day it opens and closes A consumer can not make payments 5 years after a same-day account closure This account could not have legitimately existed long enough for any activity This represents the most egregious re-aging and data fabrication I have encountered. XXXX has " verified '' this absurd timeline multiple times despite repeated disputes.

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 2025-11-03 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: LA

Complaint narrative:
Take a moment to assess the provided information ; these inquiries occurred suddenly and could lack approval.

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 2025-11-04 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: TX

Complaint narrative:
Please address the inaccurate late payment noted on my account. My history reflects timely payments without fail, and this error is causing undue stress and impacting my daily life. I urge you to correct this mistake promptly to restore the integrity of my account information.

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 2025-11-04 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-03 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: TX

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
My savings account on OpenbankUS has being blocked. The bank didnt inform me before doing this and now is saying that it will take up to 90 days for my account to be reactivated. When I asked the reason for the action of blocking my account they refused to give me any and I have requested speaking with a manager to which they always say someone will call but never happened.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Claim Number XXXX Attached are email communications between myself, XXXX XXXX, and XXXX XXXX. At the time these events occurred, I was XXXX and XXXX was responsible for managing our LLC. We shared the same credit card XXXX for operational purposes. 
As documented in the attached emails, XXXX withdrew {$15000.00} from my credit card without authorization in order to purchase a XXXX channel. I repeatedly demanded repayment, and XXXX acknowledged the debt, assuring me that he would reimburse me upon my return from XXXX. 
Due to concerns about XXXX credibility, I consulted a military attorney while still XXXX. I was advised to preserve all emails and text messages as evidence for potential legal action. Upon my return in XXXX, I attempted to file a police report. However, because XXXX resided in XXXX, Illinois, and I was located in Pennsylvania, I was informed that no report could be filed against him in my jurisdiction. I was advised to seek legal counsel in Illinois. 
I subsequently notified XXXX by email that, unless repayment was made, all evidence would be forwarded to my attorney. Instead of repaying the debt, XXXX contacted XXXX XXXX and attempted to arrange a buyout of my interest, despite the fact that I was never part of their separate agreement. 
To pursue the matter, I contacted the law firm XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX in Illinois for XXXX consultation ( see attached ). However, I was quoted legal fees of {$40000.00} to proceed against XXXX, which was financially unfeasible given the {$15000.00} at issue. 
I also contacted Bank of America regarding the unauthorized charges. I was informed that I remained fully liable for repayment, without exception. As a result, I have been burdened with this debt ever since, despite repeated efforts to resolve the matter directly with XXXX. 

Not sure as to why they rejected this dispute when all evidence showed XXXX admited stole my credit card.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Since opening my Citi credit card, I have been charged two different interest rates every month. I have never taken a cash advance or balance transfer, and I did not agree to multiple APR structures.

Citi representatives have been unable to explain why two separate rates are being applied. One agent mentioned something called a Citi interest, but could not define or show any documentation authorizing it. 
I have never received notice or agreement that my account would carry multiple APRs. I contacted Citi several times with no clear answer. 
On XXXX, I mailed a formal billing dispute letter under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) requesting : 1. The APRs being applied since account opening.

2. What types of transactions each APR applies to.

3. The contractual or legal basis for assessing multiple interest rates.

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 2025-11-04 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: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-04 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: LA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section XXXX. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section XXXX, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: AR

Complaint narrative:
I recently reviewed my credit report and noticed an account that was reporting inaccurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account is XXXX with account # XXXX showing on time payment in XXXX and 30 day late in XXXX which is not accurate and I've enclosed proof that XXXX was not only not late but in fact paid in full. This is a direct violationof my consumer rights and I'm now requesting you investigate this account and update these payments to paid as agreed immediately. Thanks for your understanding and prompt resolution.

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 2025-11-04 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: AR

Complaint narrative:
I recently reviewed my credit report and noticed an account that was reporting inaccurately. I had a late payment on an account that was in fact paid on time. The consumer reporting agencies have need to report all information with complete accuracy. This account is XXXX with account # XXXX showing on time payment in XXXX and 30 day late in XXXX which is not accurate and I've enclosed proof that XXXX was not only not late but in fact paid in full. This is a direct violationof my consumer rights and I'm now requesting you investigate this account and update these payments to paid as agreed immediately. Thanks for your understanding and prompt resolution.

Company response to consumer: Closed with explanation