vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/XXXX, I spoke with a manager, XXXX. Prior to this date, I spoke with them at least two other times and sent letters as they required. 
I sent 2 letters ( see attachments ) about this dispute ( dated XX/XX/XXXX, XXXX and XX/XX/XXXX, XXXX ). The letters contain all the extensive information that explains my dispute. 
To this date, I am still awaiting a remaining refund of {$60.00} plus an explanation from Comenity bank. As you can see in the letters and attached bank documents showing my payments, I am due this refund. 
It is my belief that the original payment of {$58.00} reflected on my bank Transaction Summary, XX/XX/XXXX ( attached ), must NOT have been applied to my Comenity XXXX XXXX account. I paid it, as shown on my bank 's transaction summary. Where it was applied is for the bank to determine.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AP

Complaint narrative:
I am an XXXX XXXX XXXX service member. 
I applied for a Capital One Venture X credit card after entering XXXX XXXX, so my account should be covered under the Military Lending Act ( 10 U.S.C. 987 ), which prohibits annual fees for covered borrowers. 

Despite this, Capital One charged me a {$390.00} annual fee last year and again this year. When I contacted their customer service, I was told MLA benefits only apply if the card was opened before joining the military, which is an incorrect interpretation of the law. 

I was forced to downgrade my account to Venture One to avoid further charges, but Capital One refused to refund the first years annual fee and is still reviewing this years. 

I request that Capital One be required to refund all annual fees and properly apply MLA protections to my account. 

Former Venture X ( now Venture One ) account ending in XXXX XXXX Email : XXXX Date : XXXX I been the XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
It doesnt capture my financial perspective correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I respectfully request CFPB to re-review the case and require XXXX XXXX XXXX XXXX XXXX JP Morgen Chase bank to comply with Regulation E protections for unauthorized electronic fund transfers, and dispute the all those unauthorized transactions. Now, I have new evidence that I received Chase response letter from XXXX, and show me that someone used my legal name together with the unknown phone number XXXX and person 's email address XXXX to register a XXXX account. This confirms the activity was identity theft, not an authorized transaction. the XXXX account ID XXXX that was not belong to me, and I am writing to request that Chase and XXXX to reopen my Fraud Claim related to unauthorized XXXX transactions that occurred between XX/XX/year> - XX/XX/year>, & XX/XX/year> on my bank account. As previously explained, i have never had authorize any of these transactions. During the entire period when these payments occurred, I was out side of the United States ( in XXXX and XXXX from XX/XX/year> - XX/XX/year> ) My passport entry stamp and airline ticket confirm my absence. Chase has the XXXX 's states that XXXX reported these payment as " legitimate ''. How ever, I have the Chase response letter showing that a fraudulent XXXX account was created in my legal name XXXX XXXX, using someone else 's phone number XXXX, and my boyfriend email address XXXX without his consent. He and I have lived together for 18 years, and he confirmed that the phone number XXXX is unknowing phone number that does not belong to him or to me.I have already taken the step to called XXXX support team, and I request XXXX to dispute all these transactions on this account, and I hope Chase & XXXX to take action to protect me, block any XXXX transaction and ask XXXX to close this fake account as well. I have report this Fraudulent to XXXX at XXXX, and request to close this fake account that is not authorized by me or by my boyfriend. Please confirm receipt of this letter and provide a written update regarding the next step in the investigation. I appreciate your attention, and cooperation in resolving this serious identity theft issues. Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX Last 4 digit debit card XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I have encountered difficulties accessing my Equifax account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: VA

Complaint narrative:
I am formaly writin to disput and demand imediat corectshun of false late-paymant marks that are curently repored on my XXXX XXXX XXXX account. Tha reportin is inacurate, contradicktory, and violaytes my righs under tha Fair Creddit Reportin Act ( FCRA ) and Truth in Lendin Act ( TILA ). This tradeline shows a late paymant while tha same report says {$0.00} past due, with a last paymant on Septembar 26, 2025, and tha account showin OPEN. That math dont add up. A consumer cant be markd late when tha balanse is currnt and tha amount past due is XXXX. Account Info From My Recordz : - Account : XXXX XXXX XXXX- Open Balanse : $ XXXX Limit : $ XXXX Open Date : XX/XX/XXXX, XXXX Last Paymant : Septembar XXXX, XXXX Status showin : 3059 dayz late- Amount Past Due : $ XXXX Account Type : Open / Individual 1. Non-Complyance With Billin & Paymant Lawz Under 15 U.S.C. 1666b and Reg Z ( 12 C.F.R. 1026.13 ), all paymants must be applyd correctlee and promptlee. By markin my accunt as late while showin {$0.00} due, you clearly faileto apply paymants propurly. This is an error under billing lawz, and must be fixd. 2. Failur to Meet FCRA Accurasy & Verificashun Standardz Under 15 U.S.C. 1681e ( b ) and 1681a ( 2 ) ( Xi ), you are legaly reqwired to ensure maximum posible accurasy. Tha existance of this conflict proves you violated that obligashun. FCRA 623 ( b ) also reqwires data furnishers to corect or delete any informashun they kno or have reason to beleev is inacurate. As a result of these conflicktin details, I am demandin that tha late-paymant status be immediatly changd to either No Informashun or Paid, since there is no legaly verifiabel proof of any delinquenzy or late activity. 3. Prior Complaints Filed I have already submited formall complaints with tha Consumer Financlal Protectshun Bureau ( CFPB ) and tha Virginia Attorney XXXX XXXX XXXX concernin this same violashun. They have copies of tha reporin screenz that prove these errers exist. 4. My Specific Reques- Deleete tha inacurate late paymant notashun from my XXXX XXXX XXXX tradeline with TransUnion and Experian.- Change tha paymant history to No Informashun or Paid due to tha verifable inaccuraacy.- Provide written confirmashun of tha update and a corected creddit report within 4 busines dayz.- Mark tha tradeline as Disputed by Consumer during reinvestigashun. This is my formal notis and requeest for immediat investigashun and corectshun of these false markz. Sincerly, XXXX XXXX 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 2025-11-05 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: FL

Complaint narrative:
I have contacted this company to verify information as account number in which representative wanted me to pay to get this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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: TX

Complaint narrative:
I am writing to dispute the following items on my Experian credit report. I believe this information is incorrect and should be removed or corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX INQUIRIES XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX LATE PAYMENT DPT EDXXXX, 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 2025-11-05 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: NV

Complaint narrative:
I recently reviewed a copy of my credit report and found several fraudulent accounts that I did not open or authorize. These accounts are negatively affecting my credit score and history.

I am requesting an immediate investigation and that these fraudulent accounts be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

I have attached evidence and identification proving that I am not responsible for these accounts and that I never gave authorization for their opening or use.

Thank you for your attention. I request written confirmation once these accounts have been deleted from my 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 explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: I.C. System, Inc.
State: ME

Complaint narrative:
IC SYSTEMS continue to renew a outstanding debt on my credit report that I believe is beyond the 7 years .. I incurred the debt because I became ill and had to apply for XXXX .. I've attempted to have it remove regularly over the years only to have them renew the date .. Recent renewal is XX/XX/year>..

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 2025-11-05 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: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments i've attached a copy of my report to this complaint on the following dates [ XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: GA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a formal Metro 2 factual dispute against XXXX for multiple student loan accounts being inaccurately and unlawfully reported as XXXX late with no prior XXXX or XXXX notice of delinquency, no billing statements, and no written communication regarding removal from deferment or forbearance status. These accounts were previously in deferment during the national forbearance period, and no verification of billing or payment demand was ever provided prior to the sudden XXXX late reporting. 
I contacted XXXX directly, and they could not provide any documented notice or billing records showing when my account supposedly became past due. This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and Metro 2 data-furnishing guidelines ( Sections 4.2.3 & 4.3.1 ) requiring accuracy and completeness of payment history. It also constitutes negligent and willful reporting of false data, causing over a XXXX drop in my credit score and severe financial harm. 
Disputes were first submitted XX/XX/XXXX and remain unresolved with XXXX correspondence from XXXX, XXXX, XXXX, or TransUnion. All accounts below remain in-dispute status with no response, no validation, and continued publication of false derogatory information. 
In-Dispute Accounts ( XXXX XXXX XXXX ) XXXX {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {>= $1,000,000} {$4000.00}

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 non-monetary relief
Consumer complaint received 2025-11-05 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:
Each of the XXXX nationwide credit reporting agencies ( Equifax, Experian, and TransUnion ) has reported inaccurate, unverifiable, and misleading information on my credit file. Despite my written requests dated XX/XX/year>, these agencies have failed to provide verification or remove the disputed items. 

These inaccuracies have caused significant emotional distress, mental anguish, humiliation, and economic harm, including denial of credit opportunities due to inaccurate reporting.

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 2025-11-05 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: PA

Complaint narrative:
I am disputing inaccurate reporting for an XXXX XXXX account that appears on my credit file. 

The account was opened around XX/XX/XXXX and was fully paid and closed in XX/XX/XXXX. Despite being paid in full with a {$0.00} balance, the credit bureaus continue to report this account as delinquent with late payment codes ranging from 120 to 180 days. 

TransUnion reports the account as Closed 120 Days Late, while Experian reports Paid 180 Days Late. These statuses are inconsistent and misleading. Once an account is closed and paid, it should not continue showing a late payment status or ongoing delinquency. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) for accuracy and 1681i for failure to maintain and correct incomplete or inconsistent data. It also violates XXXX XXXX reporting guidelines, which require paid accounts to be coded as Paid/Closed No Past Due.

I request that the bureaus and data furnisher update this tradeline to reflect : Account Status : Closed Paid as Agreed/ {$0.00} Balance Payment Status : Paid, No Delinquency The inaccurate late-payment reporting has negatively affected my credit score and misrepresents my payment history. Please reinvestigate and correct or delete the inaccurate 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 2025-11-05 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: PA

Complaint narrative:
I am disputing inaccurate reporting for an XXXX XXXX account that appears on my credit file. 

The account was opened around XX/XX/XXXX and was fully paid and closed in XX/XX/XXXX. Despite being paid in full with a {$0.00} balance, the credit bureaus continue to report this account as delinquent with late payment codes ranging from 120 to 180 days. 

TransUnion reports the account as Closed 120 Days Late, while Experian reports Paid 180 Days Late. These statuses are inconsistent and misleading. Once an account is closed and paid, it should not continue showing a late payment status or ongoing delinquency. 

This reporting violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) for accuracy and 1681i for failure to maintain and correct incomplete or inconsistent data. It also violates XXXX XXXX reporting guidelines, which require paid accounts to be coded as Paid/Closed No Past Due.

I request that the bureaus and data furnisher update this tradeline to reflect : Account Status : Closed Paid as Agreed/ {$0.00} Balance Payment Status : Paid, No Delinquency The inaccurate late-payment reporting has negatively affected my credit score and misrepresents my payment history. Please reinvestigate and correct or delete the inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-05 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: FL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-11-05 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: CA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-05 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:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation