vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: CA

Complaint narrative:
I am filing this formal complaint against XXXX  XXXX XXXX for what I believe to be violations of the Fair Credit Reporting Act ( FCRA ), Equal Credit Opportunity Act ( ECOA ), and potentially the Truth in Lending Act ( TILA ) regarding an account they reported to Experian and potentially other credit bureaus. 

Details of the Disputed Account : Creditor : XXXX  XXXX XXXX Account Type : Secured Credit Card Account Number : XXXX Opened : XX/XX/XXXX Status : Paid, Closed {$300.00} written off Status Updated : XX/XX/XXXX Reported High Balance : {$420.00} Credit Limit : {$300.00} Late Payments Reported : 30 days late ( XX/XX/XXXX ), 60 days late ( XX/XX/XXXX ), Charged Off ( XX/XX/XXXX ) Violations and Issues Identified Inaccurate and Misleading Reporting ( FCRA 1681i ) The account is listed as Paid, Closed yet also shows a {$300.00} written off status and Charge-Off entry, which is misleading and appears inaccurate given the account has been paid. 
The high balance of {$420.00} exceeds the secured credit limit of {$300.00}, suggesting either unauthorized over-limit activity or lack of clear disclosure in violation of TILA.

Incomplete Credit Information ( FCRA 1681e ) Several important fields such as balance updated, monthly payment, and recent payment are blank or unreported, resulting in confusion and damaging ambiguity for potential creditors.

Emotional and Financial Harm I was denied credit based on this negative item. No counter-offers or reassessment were provided, raising ECOA concerns for lack of fair consideration. 
This inaccurate and misleading reporting has prevented me from securing essential financing, causing emotional distress and punitive harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am reporting inaccurate and damaging credit reporting by Comenity Bank. I paid off my XXXX XXXX XXXX XXXX XXXX  in full and confirmed a {$0.00} balance in XXXX. I did not use the card afterward. Two months later, I received a 60-day late payment ding on my credit due to a small surprise balance ( about {$5.00} ) that was never disclosed to me. 

I immediately paid the balance again, which had grown due to late fees. I confirmed my account was once again at {$0.00}. Now, Ive been hit with another false missed payment, and the balance has grown to {$63.00}. I have not used the card.

Comenitys customer service was unhelpful and rude, and I was hung up on multiple times. Their online platform shows no current statements, preventing me from verifying anything. Based on many complaints online and with the XXXX, this appears to be a pattern of deceptive behavior. 

I am requesting that the CFPB intervene to require Comenity to remove the derogatory reporting, refund unfair fees, and issue clear statements for my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I disputed this account because it was paid to the original creditor, but the collection company says I still owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: IN

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
GENESIS CRDT is reporting a debt for account XXXX * * * * * * * * * * * * of {$34000.00} that is not mine and is the result of identity theft. Transition is the only bureau that is reporting it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$180000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$190.00} XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX Balance : {$2400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Heres a clear and concise version of your situation that fits * * CFPB complaint guidelines * * : -- - On * * XX/XX/2025 * *, I deposited a check for * * \ {$4300.00} * * through mobile deposit into my business account at Truist Bank. Immediately after, an * * administrative hold * * was placed on my account, freezing all access to my funds. I was told the hold was to verify that the check was not fraudulent. 

I waited until * * XX/XX/2025 * *, when the check officially * * cleared * *, and the funds were visible in my account balance. However, I still could not access any of the money. I contacted customer service and was referred to the fraud department. They repeated that the hold was due to suspicion of fraud, despite the check having cleared. 

By * * XX/XX/2025 * *, my account was * * closed without any notice or explanation * *. I was told in person at the branch that a check for * * \ {$1900.00} * * was mailed to me, but the remaining * * \ {$4300.00} * * is still being held. I was also told I must get a letter from my clients bank stating that the check cleared and will not be reversed despite the fact that the check already cleared and my client provided a bank statement showing the funds were debited from their account. 

This situation has caused me significant harm. I lost business revenue, was unable to pay rent and bills on time, and experienced undue financial stress. Truists refusal to release cleared funds and lack of communication during this process is both unreasonable and unfair. 

I am requesting that Truist * * immediately release the \ {$4300.00} * *, provide a formal explanation for the account closure, and address the damages caused by the extended freeze on my business funds.

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 2025-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I hope this message finds you well. I am writing to request a goodwill adjustment regarding a late payment that was reported on my account on the months of XXXX XXXX and XXXX. 


Due to unexpected job loss and hardship, I was unable to make a payment on time. However, I have consistently made timely payment before and after this incident, demonstrating my commitment to maintaining my financial obligations. 

I have called the company multiple times in hopes to get help after being a client for a while

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: IL

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-06-07 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
To the Consumer Financial Protection Bureau ( CFBB ) : I am writing to file a complaint against American Express for its unreasonable refusal to handle my billing dispute. 

On XX/XX/year>, I made a purchase on XXXX via my American Express card ( ending with XXXX ), with the transaction amount being {$67.00}. Later, due to a price reduction issue related to this purchase, I attempted to open a billing dispute with American Express following the proper procedure. However, the bank responded that Based on the information you've provided, we're unable to open this dispute simply because they claimed the billed amount was correct and there was no billing error.

This response is highly unsatisfactory. American Express has failed to address the core issue of the price - related dispute. Their explanation that prices are locked - in once the purchase is complete ignores the reasonable right of consumers to seek resolution for price adjustments. Moreover, their process lacks flexibility and proper consideration of consumer concerns, reflecting poor management and an uncooperative attitude.

I urge the CFBB to investigate this matter, require American Express to properly review my dispute, and improve their dispute - handling process to protect consumer rights.

Thank you for your attention to this complaint. 

Sincerely, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-07 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-06-07 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: NC

Complaint narrative:
THIS FRAUD ACCOUNT IS FIRST SAVING CREDIT CARD AND I HAVE NO KNOWLEDGE AND I HAVE CONTACTED THIS BANK SEVERAL TIMES OVER THE YEARS AND THEY KEEP TELLING ME THERE REMOVE IT, I HAVE CONTACTED TRANSUNION SEVERAL TIME CONCERNING THIS ACCOUNT AND THEY SAY THERE GOING TO BLOCK AND REMOVE THIS FIRST SAVING CREDIT CARD THAT IS FRAUD, BUT TRANSUNION NEVER REMOVES IT.

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 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Fl XXXX ] XXXX XXXX XXXX To Whom It May Concern, Subject : Dispute of Fraudulent Bank Accounts I am writing to formally dispute and report fraudulent activity associated with my identity and several unauthorized bank accounts opened under my name. I did not authorize the creation of these accounts, and I have no knowledge of the transactions related to them. 

Below are the details of the fraudulent accounts : XXXX. XXXX XXXX XXXX Account Number : XXXX Disputed Amount : {$5.00} XXXX. XXXX XXXX XXXX Account XXXX : XXXX Disputed Amount : {$3000.00} XXXX. XXXX XXXX XXXX  Account XXXX : XXXX Disputed Amount : {$600.00} XXXX. XXXX  XXXX XXXX Account XXXX : XXXX Disputed Amount : {$3900.00} These accounts were not opened or authorized by me. I suspect I may have been a victim of identity theft. I kindly request the immediate investigation of these accounts, the removal of any related fraudulent information from my credit file, and confirmation that I am not held liable for any charges or balances. 

Attached, please find the following supporting documentation for your investigation : A copy of my government-issued ID Proof of address A copy of my FTC Identity Theft Report ( or police report, if applicable ) Any other supporting documentation as required Please confirm in writing that you have received this dispute and are investigating the matter. I request that all collection efforts cease during the course of this investigation, and that these accounts are not reported negatively on my credit report. 

If you need additional information from me to assist with your investigation, please contact me at [ your phone number ] or [ your email address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX 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 2025-06-07 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: LA

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 XXXX XXXX XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2025-06-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have 22 inquiries on my credit report and the only ones that should be on my credit report is the ones connected to my credit cards

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 2025-06-07 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: IL

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-06-07 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:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of debt bondage and would like for all listed accounts to be blocked and deleted company information Experian and Equifax. Please delete the following accounts.XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$41000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
XXXX is furnishing auto loan accounts to the credit reporting agencies that list me as jointly responsible with another individual. I am not disputing the loan itself, but I am formally disputing the unauthorized joint liability being reported. I never consented to share credit responsibility with another person, nor did I authorize XXXX to furnish my information as part of a joint account. This reporting violates 15 USC 1681b by lacking a permissible purpose and 15 USC 1681e ( b ) for failure to maintain maximum possible accuracy. It also violates 15 USC 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report accurate information, and 1681s-2 ( a ) ( 2 ), which prohibits furnishing information not associated with a consumer-initiated transaction. XXXX failed to follow billing error correction requirements under 15 USC 1666. I have filed an official FTC Identity Theft Report and am exercising my rights under 15 USC 1681c-2 to block and permanently remove all unauthorized joint and co-signer data.

Company response to consumer: Closed with non-monetary relief