vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. 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 non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. These accounts must be removed immediately. This is XXXX of the many attempts to disputing these erroneous accounts. I am asking for your help to have these corrected or deleted right away. XXXX - XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am formally disputing a late payment reported on my account. According to my verified records, all payments were made on time, and the reported late entry is incorrect. This false reporting misrepresents my payment history and is causing unjust harm to my creditworthiness.

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 2025-08-22 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I closed my account. XX/XX/2025 I received a letter stating a XXXX balance and confirming the closing of the account. 
I received an alert that my XXXX XXXX dropped. XX/XX/2025 Upon discovery that the report from the closed account and by the store credit card, I called the customer service number. 
I was told there was an interest charge in XXXX and a subsequent late charge for nonpayment. 

My account was closed. My online access was removed. How was I to receive notice? Statements are email. 
Why was a charge posted following a confirmation of XXXX due?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: TX

Complaint narrative:
I am submitting this complaint because both XXXX and Experian are reporting a collection from XXXX XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX dated XX/XX/year>, with a balance of {$550.00}. This information is inaccurate and has caused me ongoing frustration and stress, as I have no record or obligation corresponding to this account. Despite my repeated efforts to verify the legitimacy of this collection, the bureaus continue to display it as if it were valid, which is misleading and unfairly damaging to my credit profile. 

Under 15 U.S.C. 1681e ( b ), XXXX  and Experian are legally required to maintain maximum possible accuracy in the information they report. Reporting a collection that can not be verified, or that is plainly incorrect, is a direct violation of that duty. Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes inaccurate information, the credit bureau is required to conduct a reasonable reinvestigation. Simply accepting the reporting agencys or furnishers word without producing substantive evidence or original account documentation is not sufficient to meet this standard. In this case, the bureaus have failed to provide me with any proof that this collection is valid or that I am responsible for it. 

The presence of this inaccurate collection has had tangible negative consequences on my life. I have faced unwarranted stress and anxiety, especially when attempting to apply for new credit, as I know lenders see collections like this as a serious red flag. Each time I check my report and see this account, I feel as though I am being unfairly penalized for something I did not do, which has made me wary of applying for necessary financial products and has disrupted my peace of mind. The emotional toll, combined with the potential financial harm, makes it imperative that these inaccuracies are corrected immediately. The bureaus failure to properly reinvestigate demonstrates negligence and a disregard for the legal protections I am afforded under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Received card today in mail activated it. Went to add it to XXXX account declined add it to door dash account declined then tried another account declined. This was with in XXXX min of activation of the card it self which was fine. I called they said they detected fraud!!! What fraud it's me. So now I'm told to send my ID drivers lic to a sight. 
Upload.concoracredit.com and tells me it's gon na take 14 days to verify. So I upload it fill it out and send it only to be told an error message saying my first name can not have a number or characters in it. " XXXX '' does not have numbers or characters in my name. I have tried it on chrom and safari only to get the same errors I have copies. XXXX now that the card is activated and they charged me XXXX dollars for the yearly charge that's gon na be do in a week .. they think I'm stupid to pay something I can't use and then cancel the card or something. There outta there mind this is a scam..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account has violated my rights, Hard Inquiries : XX/XX/XXXX XXXX XXXX XXXX- XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - Banking XX/XX/XXXX XXXX Late payments : XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX Vacations- XXXX - late XXXX : XX/XX/XXXX XXXX Vacations- XXXX - late XXXX : XX/XX/XXXXXXXX XXXX XXXX XXXX - XXXX - late Payment XXXX XX/XX/XXXX XXXX - XXXX - Late payment XXXX XX/XX/XXXX XXXX XXXX - XXXX - Late Payment : XX/XX/XXXX XXXX XXXX  - XXXX - Late Payment : XX/XX/XXXX, XXXX, XXXX, XXXX, Dec 2022 15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any 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 explanation
Consumer complaint received 2025-08-22 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ 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 non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
There are unauthorized hard inquiries from XXXX  XXXX, truest bank, XXXX XXXX. I did not apply for these credit cards, and called XXXX XXXX on XX/XX/XXXX to file a dispute, but they ignore my complaint and the hard inquiry remains

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

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 TILA US Code 1666B since I was never late.

I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XX/XX/year> I recieved a call from USBank. I was told that someone in PA tried to open an account using my identity information. I was asked if I knew anyone there or if it was me. I told them " no '' They openned a case # XXXX for identity fraud and transferred my call to XXXX  XXXX XXXX Department. The man 's name was XXXX XXXX. He did not sound professional or like a fraud agent. He went through some of my accounts and identified those that should be frozen. I did not give any information or confirm anything. I hung up. My first thought that XXXX  has an elaborate way of phishing for identity theft subscriptions which have a cost and need payment information. I called back both numbers that had been involved and both were automatons which you could not get through to get a real person

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
A person called me claiming to be from Citibank and said someone in Arizona tried to apply for a card in my name. He said he was going to connect me with someone from XXXX  that could help me. The person supposedly from XXXX  gave his name as XXXX XXXX but had the same accent as the person from Citibank. I did not give them any personal information but they had at least the first XXXX digits of my SSN. At XXXX point he told me he worked for CFPB. I asked for their phone number and then asked to talk to a Supervisor. This person gets on the phone and has the same accent. 
I then hung up on them and called the number they gave me which was XXXX. It sounded like a fax machine. I have since had my credit report locked.

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 2025-08-22 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: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-08-22 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:
I do not recognize the negative accounts appearing on my credit

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase credit card in XX/XX/XXXX. At the time, the main reason I applied was because Chase advertised a new cardmember offer that if I spent {$500.00} within the first XXXX months, I would receive {$300.00} cash back. I met the requirement, but I never received the bonus. In the winter of XXXX ( before XXXX ), I called Chase about this, and the representative I spoke to said she had no idea what I was talking about. She acted as if the promotion had never existed, even though I told her I had an email that I received about the offer. Later, around XXXX or XX/XX/XXXX, I increased my credit limit to {$700.00}. At no point did anyone explain that my account was not on a standard credit line but instead on what Chase calls an access line. I was under the impression I had a {$700.00} credit line, which I set myself. Today XX/XX/XXXX, I checked my Chase account and saw my balance was {$880.00}, even though my limit is {$700.00}. I called Chase, and the representative told me I had an access line, not a credit line. I asked how I was supposed to know the difference, and instead of answering, he became rude and dismissive, saying I could just keep spending over my limit because of this access line. 
This was never explained to me at application or when I increased my limit. Everywhere in my account it shows credit line, not access line. I only ever agreed to a {$700.00} credit line. I should not be able to go over {$700.00}, especially when I only applied and was pre approved for that amount. Chases lack of disclosure and dismissive handling of my calls has left me with charges above my agreed-upon limit and without the promotional bonus I was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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