vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I accidentally put the wrong card number on my previous complaint XXXX. I also Have new evidence. I financed a purchase using a Petland/Comenity credit card under a XXXX deferred interest promotional plan. I made payments in good faith and remained current on the account, with autopay active. I was not aware that making only the minimum payments would result in a large retroactive interest charge if the balance was not paid in full by the end of the promotional period. 

When the promotional period ended, over {$2300.00} in interest was added to my account at once, increasing my balance from approximately {$2500.00} to over {$4800.00}. This charge was unexpected and created financial hardship. I believe the deferred interest terms and consequences were not clearly explained or disclosed in a way that I could reasonably understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/XXXX, I called this credit card company and spoke with a customer service representative about the current charge on my account for {$49.00}. which should not be there. I paid off the whole balance of {$2200.00} that was due on the account last month XXXX, and don't expect them to continue charging me on this account in XXXX. I requested that they should remove the charges as I no longer owe them anything because the account had been paid off. However, this credit card company went ahead and added a late fee and increased the payment due to {$79.00}.

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 monetary relief
Consumer complaint received 2025-12-27 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:
b'I am submitting to formally dispute multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report, pursuant\nto the Fair Credit Reporting Act (FCRA), including FCRA 611 (15 U.S.C. 1681i) regarding the\nreinvestigation of disputed information, FCRA 604(a) concerning permissible purposes for credit\ninquiries, FCRA 609 (15 U.S.C. 1681g) guaranteeing the right to full disclosure of information, and\nFCRA 607(b) mandating maximum possible accuracy in credit reporting. I have reviewed my credit\nreport thoroughly and have identified several items that are inaccurate, incomplete, and misleading,\nwhich are negatively affecting my creditworthiness and financial opportunities.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXBalance OwedXXXX Original Creditor XXXX XXXX XXXX XXXX XXXXBalance Owed: 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 2025-12-27 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: FL

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable items on my credit reports from Equifax, Experian, and TransUnion. My reports contain numerous incorrect addresses, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX ; and a duplicate XXXXXXXX XXXX XXXX XXXX FL XXXX, which violate FCRA 605 ( a ) and 607 ( b ). They also list charge-off accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$400.00} ) and Santander ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1300.00} ), without proper verification, in potential violation of FCRA 605 ( c ), 623 ( a ) ( 5 ), 623 ( a ) ( 1 ) ( A ), 611, and FDCPA 807-809. Additionally, several collection accounts are reported inaccurately or unverifiably : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$22000.00} ), XXXX XXXX XXXX XXXX XXXX XXXX ( {$650.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( {$1300.00} ), and XXXX XXXX XXXX XXXX XXXX {$2000.00} ), in violation of FCRA 605 ( a ) ( 1 ), 607 ( b ), and 609 ( a ) ( 1 ). My public record information regarding XXXX XXXX bankruptcies ( Ref # : XXXX, Ref # : XXXX, Federal Ref # : XXXX, XXXX {$0.00} ) and the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account with a {$0.00} balance is inaccurately reported and does not reflect the discharged status, violating FCRA 605 ( a ) ( 1 ) and 607 ( b ). These inaccuracies negatively impact my creditworthiness, and I have repeatedly requested validation and correction from the bureaus without resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 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: NC

Complaint narrative:
I am submitting to follow up on my previous disputes regarding my Equifax, TransUnion and Experian credit report. This marks my second formal dispute, as several inaccuracies I have identified remain unresolved despite my prior communications and submissions of documentation. I am extremely frustrated that these disputed accounts and errors are still present on my credit file, causing continued confusion and potential harm to my creditworthiness. I am formally requesting a thorough reinvestigation of all disputed items and expect prompt action to correct or delete any information that is incomplete, inaccurate, or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i, which entitles consumers to dispute such information and receive timely corrections. 
Additionally, I rely on FCRA 623 ( a ) ( 2 ) regarding the duty of furnishers to report accurate information, as well as FCRA 1666 and 1666a, which govern the correction of billing errors and creditor obligations during disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am submitting to follow up on my previous disputes regarding my Equifax, TransUnion and Experian credit report. This marks my second formal dispute, as several inaccuracies I have identified remain unresolved despite my prior communications and submissions of documentation. I am extremely frustrated that these disputed accounts and errors are still present on my credit file, causing continued confusion and potential harm to my creditworthiness. I am formally requesting a thorough reinvestigation of all disputed items and expect prompt action to correct or delete any information that is incomplete, inaccurate, or unverifiable. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681i, which entitles consumers to dispute such information and receive timely corrections. 
Additionally, I rely on FCRA 623 ( a ) ( 2 ) regarding the duty of furnishers to report accurate information, as well as FCRA 1666 and 1666a, which govern the correction of billing errors and creditor obligations during disputes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-27 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: CA

Complaint narrative:
I am submitting this complaint as a follow-up and as my third formal dispute regarding persistent inaccuracies that remain on my Equifax, TransUnion, and Experian credit reports. Despite multiple prior disputes and the submission of extensive supporting documentation, these consumer reporting agencies have failed to correct or properly address the inaccurate information being reported. This ongoing failure has negatively impacted my credit profile, lowered my credit scores, and interfered with my ability to obtain fair financial opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The continued reporting of inaccurate charge-offs, collections, and other negative tradelines demonstrates noncompliance with the Fair Credit Reporting Act. Under FCRA 611 ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Repeated verification of the same inaccurate data after multiple disputes strongly indicates that a reasonable reinvestigation has not been conducted. Additionally, under FCRA 623 ( a ) ( 2 ), furnishers are required to promptly correct or update information found to be inaccurate, which has not occurred in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I am submitting this complaint as a follow-up and as my third formal dispute regarding persistent inaccuracies that remain on my Equifax, TransUnion, and Experian credit reports. Despite multiple prior disputes and the submission of extensive supporting documentation, these consumer reporting agencies have failed to correct or properly address the inaccurate information being reported. This ongoing failure has negatively impacted my credit profile, lowered my credit scores, and interfered with my ability to obtain fair financial opportunities. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> The continued reporting of inaccurate charge-offs, collections, and other negative tradelines demonstrates noncompliance with the Fair Credit Reporting Act. Under FCRA 611 ( 15 U.S.C. 1681i ), consumer reporting agencies are required to conduct a reasonable reinvestigation of disputed information. Repeated verification of the same inaccurate data after multiple disputes strongly indicates that a reasonable reinvestigation has not been conducted. Additionally, under FCRA 623 ( a ) ( 2 ), furnishers are required to promptly correct or update information found to be inaccurate, which has not occurred in this case.

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 2025-12-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Subject : UDAAP Violation by Capital One - Deceptive " Bait and Switch '' and False Adverse Action Reason To the Consumer Financial Protection Bureau : I am filing this formal complaint against Capital One for Deceptive and Unfair Acts and Practices ( UDAAP ) regarding a credit card application process that occurred on [ Date ]. 

The Facts : On XX/XX/year>, I utilized Capital One 's pre-approval tool and was pre-approved for the " QuickSilver '' and " XXXX XXXX '' cards. 

Simultaneously, Capital One targeted me with an advertisement in my existing account for the " QuickSilver '' card featuring a {$300.00} total bonus ( {$200.00} cash + {$100.00} limited time offer ). 

Relying on this offer, I applied for the bonus-eligible QuickSilver card. I was immediately declined. The Adverse Action notice cited the specific reason : " Too many active credit cards. '' My credit score listed on the notice was XXXX. 

Immediately after this denial ( within XXXX minutes ), I returned to the pre-approval offer for the same QuickSilver card ( without the bonus ) and accepted it. Capital One approved this application instantly. 

The Violation : Capital One engaged in deceptive practices by providing a false and misleading reason for the initial denial. 

False Adverse Action : If the true reason for denial was " Too many active credit cards, '' I would have been ineligible for any new credit card from Capital One. By approving me for a QuickSilver card minutes later, Capital One demonstrated that I do not have " too many active credit cards '' to be a customer. 

Deceptive Advertising ( Bait & Switch ) : It appears the denial was not based on creditworthiness or the stated reason, but solely to avoid paying the advertised acquisition bonus. Using a pretextual credit denial reason to steer a qualified applicant toward a less valuable product is a deceptive practice under the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
b'I am submitting to formally dispute multiple inaccuracies appearing on my Equifax, TransUnion and Experian credit report, pursuant\nto the Fair Credit Reporting Act (FCRA), including FCRA 611 (15 U.S.C. 1681i) regarding the\nreinvestigation of disputed information, FCRA 604(a) concerning permissible purposes for credit\ninquiries, FCRA 609 (15 U.S.C. 1681g) guaranteeing the right to full disclosure of information, and\nFCRA 607(b) mandating maximum possible accuracy in credit reporting. I have reviewed my credit\nreport thoroughly and have identified several items that are inaccurate, incomplete, and misleading,\nwhich are negatively affecting my creditworthiness and financial opportunities.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I reported unauthorized debit card transactions on my Capital One checking account on XX/XX/year>. The total amount of fraud is {$1300.00}. Capital One confirmed receipt of my fraud claim and opened an investigation, but my account balance remains severely impacted. I am requesting provisional credit as required under Regulation E while the investigation is ongoing. The delay is causing immediate financial hardship. I am asking for expedited review and provisional credit during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am writing to formally request a review of my eligibility to open a bank account. I have been informed that I am being denied due to a prior fraud-related incident. I want to clearly state that I was the victim of fraud, not the perpetrator. I did not authorize the fraudulent activity, did not benefit from it, and fully cooperated during the resolution process. 

Penalizing a consumer for being the victim of fraud is unfair and inconsistent with consumer protection principles. Victims of fraud should not be permanently restricted from accessing basic banking services without a clear explanation, documented risk rationale, or a meaningful opportunity to dispute the decision. 

At this time, I have not been provided documentation explaining how being a fraud victim disqualifies me from opening an account, nor have I been given a clear dispute or reconsideration process. If this decision is based on internal records or consumer reporting systems, I am requesting that those records be reviewed for accuracy and corrected if they are incomplete or misleading. 

I am requesting a manual review of my account eligibility, a written explanation for the denial, and guidance on what stepsif anyI can take to resolve this issue. My goal is simply to maintain a standard checking account for lawful, everyday financial activity. 

I appreciate your time and attention to this matter and request that this be reviewed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-27 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:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. 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 2025-12-27 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: AR

Complaint narrative:
I am submitting this complaint regarding numerous inaccuracies on my credit reports from Equifax, Experian, and TransUnion. My reports contain multiple incorrect addresses ( XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, AR ), late-closed accounts ( XXXX  XXXX {$0.00}, XXXX {$0.00}, XXXX XXXX {$0.00}, XXXX XXXX {$0.00} ), charge-offs ( XXXX/XXXX  {$2600.00}, XXXX XXXX XXXXXXXX {$36000.00} ), and multiple inquiries that may be outdated or unauthorized ( XXXX/XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XXXX and others XXXX. These inaccuracies violate FCRA 611, 623 ( a ) ( 2 ), 623 ( b ), 605, 607, and 604 ( a ) and misrepresent my credit history, negatively affecting my creditworthiness. Despite prior attempts to have these corrected, the reports continue to contain incorrect or unverifiable 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 2025-12-27 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: AS

Complaint narrative:
I am submitting to formally dispute the accuracy of certain information on my credit report as it relates to the account listed below. I have noticed several discrepancies across the XXXX XXXX  credit reporting agencies TransUnion, Equifax, and Experian that require immediate investigation and correction as provided for under the Fair Credit Reporting Act ( FCRA ). Specifically, I am exercising my rights under FCRA 611 ( 15 U.S.C. 1681i ) regarding disputes of inaccurate information, FCRA 623 ( a ) ( 2 ) requiring furnishers to correct and update information, FCRA 605 ( a ) regarding obsolete information, FCRA 609 ( 15 U.S.C. 1681g ) ensuring my right to full disclosure, and FCRA 1666 and 1666a, which govern correction of billing errors and creditor obligations during disputes. 

XXXX XXXX XXXX : $ XXXX up

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