vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I went into the XXXX XXXX XXXX  store in XXXX XXXX XXXX XXXX XXXXXXXX XXXX who is doing business apparently as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  looking for a pre owned XXXX  watch. I applied for financing ( $ XXXX ) and was approved for {$3900.00} which clearly was not enough to cover the price of the watch. Days later the store rep called to let me know that she was having trouble securing financing for the entire amount at which time I advised her to stop running my credit. Approximately a week after that she once again called at which time I told her that I was not interested in making the purchase any longer. I contacted Comenity Bank to report a fraudulent charge they they did an investigation and received a receipt from the company is what they told us along with the application where I applied for credit, yeah, I never received this receipt and makes no sense as far as the cost of the watch that I never received. Which the receipt mustve been a fraudulent receipt as well because theres not a XXXX that cost that amount. It seems it was something they created just to send into the credit card company. So now Im being held responsible for the {$3900.00} with Iddeal Comenity Bank even though I did not receive any product whatsoever from the store Id like for them to pull up a camera and show where they gave us anything thats just not right thats terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NV

Complaint narrative:
I previously submitted disputes and an identity theft block-and-delete request under XXXX XXXX. XXXX regarding a fraudulent account from XXXX XXXX XXXX. The account was initially removed but has since been reinserted on my credit reports as of XX/XX/XXXX without the legally required notice of reinsertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The account is being reported inconsistently across the three CRAs, with conflicting dates of last activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( Equifax ). Additionally, creditor remarks are inconsistent : TransUnion : Charged off as bad debt, profit and loss write-off Experian : Unpaid balance reported as a loss by the credit grantor. Consumer disputes after resolution Equifax : Charged off account This reinsertion without notice and conflicting reporting violates the Fair Credit Reporting Act, including 1681c2 ( identity theft block ), 1681i ( a ) ( 5 ) ( reinsertion without notification ), and 1681e ( b ) ( failure to maintain accuracy ).

Despite multiple disputes, the CRAs continue to report this account as if it has not been disputed, which is misleading and unlawful. I am demanding its permanent block and deletion along with all associated negative reporting. 

PLEASE SEE ATTACHMENTS BELOW

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 2025-09-07 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: NV

Complaint narrative:
I previously submitted disputes and an identity theft block-and-delete request under XXXX XXXX. XXXX regarding a fraudulent account from XXXX XXXX XXXX. The account was initially removed but has since been reinserted on my credit reports as of XX/XX/XXXX without the legally required notice of reinsertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The account is being reported inconsistently across the three CRAs, with conflicting dates of last activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( Equifax ). Additionally, creditor remarks are inconsistent : TransUnion : Charged off as bad debt, profit and loss write-off Experian : Unpaid balance reported as a loss by the credit grantor. Consumer disputes after resolution Equifax : Charged off account This reinsertion without notice and conflicting reporting violates the Fair Credit Reporting Act, including 1681c2 ( identity theft block ), 1681i ( a ) ( 5 ) ( reinsertion without notification ), and 1681e ( b ) ( failure to maintain accuracy ).

Despite multiple disputes, the CRAs continue to report this account as if it has not been disputed, which is misleading and unlawful. I am demanding its permanent block and deletion along with all associated negative reporting. 

PLEASE SEE ATTACHMENTS BELOW

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
There was a lot of money taken out of my citizens account. I dont know who it is. My family is dealing with a lot right now. XXXX XXXX put the funds back on my credit cards. Citizens said it checked out with my spending habits. I dont see how.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
This is my second dispute regarding XXXX XXXX, Account # XXXX. I previously submitted proof that this account was reported with materially different information across Experian, Equifax, and TransUnion, including different late statuses, dates of last payment, dates last active, and account terms. 

XXXX responded that they furnished accurate data to all three bureaus, suggesting the problem is with the credit bureaus. If that is true, then the bureaus violated FCRA 607 ( b ) by failing to maintain maximum possible accuracy. If XXXX statement is false, then XXXX violated FCRA 623 ( a ) ( 1 ) ( A ) by furnishing inaccurate data. Either way, the result is the same : the information reported was false, inconsistent, and unverifiable. 

You Must Answer This Question : WHO MADE THE ERROR? 
OPTION A : XXXX XXXX Made the Errors They provided different payment statuses to different bureaus ( 120 days vs 180 days late ) They provided different account terms ( 12 months vs 0 months ) They provided different reporting dates across bureaus RESULT : FCRA 1681s-2 ( a ) violations for inaccurate reporting OPTION B : The 3 Credit Bureaus Made the Errors Kashable Claim they provided identical, accurate information to all three bureaus The bureaus displayed there accurate information incorrectly RESULT : Information is unverifiable and must be deleted per FCRA 1681i EITHER WAY = ACCOUNT DELETION REQUIRED " If the furnisher 's inability to maintain consistent, accurate records across all credit reporting agencies demonstrates fundamental FCRA violations XXXX I am requesting deletion of this unverifiable account from all credit reports. '' - Your own words prove this account must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: PA

Complaint narrative:
XXXX a * * short CFPB complaint draft * * you can use : -- - * * Subject : * * Complaint Against Genesis Credit Management LLC Failure to Respond to Validation Requests To Whom It May Concern, I am filing this complaint against * * Genesis Credit Management LLC * * regarding account * * # XXXX * *. I have sent * * two validation request letters * * to the company, both of which have been ignored. 

This conduct violates my rights under the * * Fair Credit Reporting Act ( FCRA ) * * and the * * Fair Debt Collection Practices Act ( FDCPA ) * *, as they have failed to provide validation and continue to report negative information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I dispute the reporting of the following accounts and public record as included in Chapter XXXX bankruptcy : XXXX Bank XXXX XXXX XXXX XXXX Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chapter XXXX bankruptcy filed XX/XX/year>, Ref # XXXX This information is inaccurate. I am attaching an official letter from the XXXX Bankruptcy XXXX stating that the court does not report or verify consumer information with credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: DISCOVER BANK
State: CA

Complaint narrative:
On XX/XX/year>, I purchased a concert ticket through XXXX in the amount of {$480.00}, which I charged to my Discover Card. 

When I entered XXXX XXXX for the event, I experienced a medical episode less than XXXX minutes after entering and before the concert began. I was evaluated by EMTs on-site, signed a waiver declining transport, and was medically removed and escorted out of the venue by security. I was not permitted to return and therefore did not attend the show. 

Because I was medically removed before the event began, I never received the service that I paid for. 

I opened a dispute with Discover and submitted the following supporting documentation : An EMT patient care report confirming medical removal on-site. 
XXXX correspondence acknowledging that my medical episode occurred before the concert began. 
Proof of purchase ( my {$480.00} ticket ) Despite this documentation, Discover denied my dispute. Their written response stated : XXXX provided the tickets which provided access to the event. This validates the charge and shows that services were provided. 

I disagree with this conclusion. While XXXX provided a ticket that allowed entry, I was medically removed before the show began and never received the benefit of the ticket ( attendance at the concert ). XXXX refuses to issue a refund due to their no refunds policy, but this policy does not change the fact that the services were not rendered. 

Actions taken by me : Contacted XXXX for a refund; denied on basis of event settlement policy. 
Contacted XXXX XXXX for documentation of medical removal ( awaiting reply ). 
Opened a dispute with Discover and submitted EMT report, XXXX correspondence, ticket proof, and photo evidence. 
Received denial from Discover, citing access to the event as proof of services rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Demand for Statutory Damages ChexSystems , Inc. 
Date : XX/XX/year> ChexSystems XXXX XXXX. 
Attn : Compliance Department Re : CFPB Complaint # XXXX To Whom It May Concern : This letter serves as a formal demand for statutory damages in the amount of {$1000.00} pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681n and 1681o, due to ChexSystems willful and negligent violations of federal law. 

ChexSystems is currently reporting an alleged account tied to XXXX XXXX XXXX XXXX under my consumer file. Despite my dispute, ChexSystems has failed to provide any documentation or proof from XXXX XXXX XXXX XXXX to substantiate this account. Instead, your response to my CFPB complaint consisted of a generic explanation that ChexSystems only reports what banks send. 

Such a response is legally insufficient. The FCRA imposes an independent obligation on consumer reporting agencies to : XXXX. Ensure maximum possible accuracy of all information reported. 
XXXX. XXXX a reasonable and meaningful reinvestigation when a consumer disputes an account. 

By failing to provide evidence, failing to conduct a lawful reinvestigation, and continuing to report unverifiable information, ChexSystems has willfully disregarded its statutory duties. This conduct has caused measurable harm to my consumer credit profile, my ability to access financial products, and my overall reputation. 

Accordingly, I hereby demand immediate payment of {$1000.00} in statutory damages as provided by law. No further excuses, generic explanations, or references to XXXX XXXX XXXX XXXX will be accepted. ChexSystems is directly liable under the FCRA for the harm caused by its actions and omissions. 

If ChexSystems fails to comply with this demand, I will escalate the matter further, including pursuing private legal action to enforce my rights under the FCRA. 

A copy of the original complaint letter will be attached Sincerely, 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 2025-09-07 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: NJ

Complaint narrative:
All these accounts are effecting my credit report and score. It's causing a disrupting burden to my family. It's really effecting our lively hood and severely causing a drastically struggle. There's kids and babies involved.

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 2025-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: NJ

Complaint narrative:
They violating my rights with XXXX Reporting to my credit report on an account that doesnt belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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 2025-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally dispute inaccurate and fraudulent information appearing on my credit report with TransUnion. I have recently become aware that my personal data may have been compromised as part of the TransUnion data breach. As a result, accounts and/or inquiries listed in my report may not be authorized by me. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), I request that TransUnion : 1. Conduct a reinvestigation of all disputed items.

2. Block and remove any fraudulent accounts, inquiries, or information resulting from the data breach, as permitted under 15 U.S.C. 1681c-2 ( Identity Theft Prevention and Credit History Restoration Act ).

3. Provide me with an updated credit report reflecting the corrections. 4. Send written confirmation of your investigation results within t
he legally required 30-day period.

This breach has caused undue harm and threatens further financial damage. I expect immediate corrective action. 

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 2025-09-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Village, IL, XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX 
P.O. XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute of Inaccurate Information Due to Data Breach To Whom It May Concern, I am writing to formally dispute inaccurate and potentially fraudulent information appearing on my credit report maintained by Experian. As you are aware, Experian has been subject to a data breach that compromised consumer information. I believe that my personal information may have been exposed and used without authorization, resulting in inaccurate reporting on my credit file.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, you are required to maintain maximum possible accuracy of the information in consumer reports. The presence of accounts or inquiries that I did not authorize and that may have resulted from the Experian data breach violates this requirement.

I am requesting the following : 1. A reinvestigation of all inaccurate accounts, inquiries, or entries connected to my personal information.

2. Immediate removal of any data that can not be verified as accurate, valid, and lawfully attributed to me.

3. Written confirmation of the results of your reinvestigation, including a free updated copy of my credit report, as required by law.

4. A statement in my file noting that disputed information was the result of a data breach and identity theft, if applicable. 

Enclosed are copies of supporting documentation ( such as my government-issued ID, proof of address, and any fraud alerts or identity theft reports I have filed ). 

Please consider this letter as a formal notice of dispute under the FCRA. If the disputed information can not be verified within 30 days, it must be deleted or corrected immediately. 

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 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am a victim of identity theft and this is my official statement of the crime. These items do not belong to me and they need to be removed from my credit report. I have filed an official complaint with the FTC on this date. All other legal and government agencies have been officially notified under the FCFIA and the fraud entries must be removed immediately, or further legal action will be taken against the credit bureaus. Thank you in advance.

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