vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Subject : Complaint Against Comenity Capital Bank Unfair Finance Charges To the Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint against Comenity Capital Bank regarding an unfair and unexpected finance charge of {$2100.00} applied to my account. 

Issue Summary : I opened a credit account with Comenity Capital Bank in XXXX  under a zero-interest promotional plan. To ensure compliance with the promotion, I set up autopay and consistently made on-time payments. However, I was never informed that my payments were insufficient to maintain the terms of the promotion. 

At no point did Comenity notify me that I was at risk of losing my promotional terms or that a balance needed to be paid in full before the plans expiration. If I had received such notice, I would have settled the full amount immediately. Instead, I was unexpectedly charged over {$2000.00} in accrued interest after the promotional period ended, with no prior warning or opportunity to correct the issue. 

Attempts to Resolve the Issue : I contacted Comenity to dispute the charge, but they refused to reverse it, stating that the finance charge is valid. I explained that I relied on autopay and never received notice that my payments were insufficient. Comenitys lack of communication has resulted in an unfair financial burden, as I was not given a fair chance to comply with the promotions requirements.XXXXResolution Requested : I am requesting that Comenity Capital Bank reverse the finance charges due to their failure to provide adequate notice. At a minimum, I ask that they offer a partial adjustment or alternative resolution given the lack of transparency in their communication.

Why This Matters : Consumers should be notified if they are at risk of incurring significant finance charges, especially when autopay is set up with the expectation of fulfilling promotional terms. Failing to provide clear communication before imposing large fees is misleading and unfair. 

I respectfully request the CFPBs assistance in resolving this issue. 

Account Holder : XXXX XXXX Account Number : XXXX Contact Information : XXXX, XXXX Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: W&A Intermediate Co., LLC
State: VA

Complaint narrative:
This company is the company that took ahold of my bill from the hospital they actually took on two bills from the hospital I explained to them many times that I had insurance and they never billed Medicaid they just sent my bills to collections and reported it to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: MO

Complaint narrative:
XXXX XXXX and Equifax are reporting inaccurate information on my credit report. And continue to violate 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION. This erroneous information is ruining my credibility, and I would like it removed entirely from my credit report. List of inaccurate information : the reporting of XXXX XXXX and XXXX XXXX XXXXXXXX is inaccurate and must be deleted as INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes the reporting of these accounts Inaccurate. Once again, 15 U.S. Code 8 16815-2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION PROHIBITION ( A ) Reporting Information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency If the person knows or has reasonable cause to believe that the data is inaccurate. Duty : a moral or legal obligation ; a responsibility. Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something As Defined by the IRS. Even if you didn't receive a Form 1099-C, you must report the canceled debt as gross Income on your tax return. The IRS Clearly defines a charge-off as Gross or Ordinary Income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT, which makes your reporting of this account Inaccurate. Both XXXX XXXX and XXXXXXXX XXXX XXXXXXXX are inaccurate and must be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: WA

Complaint narrative:
I am filing this complaint against Affirm Inc. for inaccurate credit reporting. 

On XX/XX/XXXX, and XX/XX/XXXX, Affirm charged off two of my accounts and transferred the debts to third-party collection agencies, XXXX XXXX and XXXX. Despite no longer owning the debts, Affirm continues to report a balance owed on my credit report, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ). 

I contacted Affirm on XX/XX/XXXX to dispute the incorrect balance reporting and requested that my credit report be updated to reflect a {$0.00} balance and a " Transferred/Sold '' remark as required by law. 

Affirm Acknowledged the Debt Was Sold : In a written conversation, Affirm confirmed that my accounts were sold to collection agencies. 

Affirm Has Not Corrected the Reporting : Despite my dispute, as of XX/XX/XXXX via certified mail, my credit report still incorrectly shows an outstanding balance under Affirms name, causing damage to my credit profile. 

My credit report falsely reflects active debts with Affirm, even though they no longer own the accounts. 

This misreporting is lowering my credit score and affecting my financial opportunities. 
Affirms failure to follow proper reporting standards is misleading and illegal under the FCRA. 

If Affirm does not correct this inaccurate reporting, I request that the CFPB investigate Affirms credit reporting practices and take enforcement action to ensure compliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: IN

Complaint narrative:
It has come to my attention that your company has placed inquiries on my credit report without my consent.

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 2025-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XXXX XXXX I received a phone call from a number stating they were Chime and that I had a suspicious large deposit and that my account would be restricted. They hung up then I tried calling the number back and someone said they didnt see anything wrong. Then the number called again. I then called Chime number that was listed on the website and the agent stated they dont make outbound phone calls. My tax refund check was just deposited and I while on the phone with Chime a notification stating a made transfer to someone the notifications kept coming through and I told the Chime agent that it wasnt me doing it. My phone then hung up and went into XXXX mode so I had to call back off of my childrens phone. Next I saw my passwords were changed in my emails and then my XXXX account was showing I was making purchases then called XXXX and was on the phone with both Chime and XXXX at the same time I was then notified by XXXX that XXXX was hacked and they changed my number. I stated all of this to Chime and they filed a dispute in a total of {$1400.00}. They stated that I would receive my money back. As of today XX/XX/year> I have yet to receive it. Ive filed a identity theft report and sent that in. Chime keeps denying the dispute stating I made the transfer when I clearly was the phone with an agent while fraud was taking place at that given moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Between XX/XX/year>, and XX/XX/year>, PHH Mortgage Services demonstrated a pattern of misconduct by acknowledging receipt of multiple Requests for Mortgage Assistance ( RMAs ) but failing to properly review them. Most critically, PHH failed to evaluate a XX/XX/year> application that specifically cited documented COVID-19 hardship ( verified by California 's COVID-assistance program qualification ) and Hurricane Milton impacts on my business. Instead, PHH sent generic denial letters falsely claiming " no change in status '' without evaluating the actual content of the applications. During this period, PHH continued foreclosure proceedings ( dual tracking ) despite having received a complete assistance application. 

Key Violations Dual Tracking Prohibition ( 12 C.F.R. 1024.41 ( g ) and Cal. Civil Code 2923.6 ) - PHH continued foreclosure proceedings while complete loss mitigation applications were pending review Failure to Properly Review Applications ( 12 C.F.R. 1024.41 ( b ) ( 2 ) ) - PHH did not evaluate documented COVID-19 and natural disaster hardship claims as required by federal regulations CFPB COVID-19 Procedural Safeguards- Despite documented COVID-19 hardship, PHH failed to properly evaluate relevant loss mitigation options California HBOR Violations ( Cal. Civil Code 2923.6, 2923.7, 2924.10 ) - PHH failed to properly evaluate the application, provide a single point of contact, and give proper written notification Unfair Business Practices ( Cal. Bus. & Prof. Code 17200 ) - PHH 's pattern of acknowledging but not reviewing applications constitutes unfair and deceptive practices Loan Information The mortgage is a private investor-owned loan on an owner-occupied property in California. Despite this non-GSE status, RESPA/Regulation X protections, HBOR provisions , and COVID-19/disaster relief evaluation requirements still fully apply.

Relief Requested I request that the CFPB order PHH to : ( 1 ) immediately halt foreclosure proceedings, ( 2 ) properly evaluate my complete application with documented COVID-19 and Hurricane Milton hardship bases, ( 3 ) disclose applicable investor guide
lines, ( 4 ) provide all available loss mitigation options, and ( 5 ) impose appropriate penalties for the pattern of regulatory violations demonstrated. 

I am working with a HUD approved Counselor/Agency : HomeownershipOC ( XXXX ) XXXX and they have witnessed the events described and have requested that I submit this detailed report to you..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-03-10 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Galaxy Capital Acquisitions, LLC
State: DE

Complaint narrative:
This supposed debt has been sold to Galaxy International Purchasing. I have asked for them to verify the debt. On my credit report it states that XXXX XXXX owns the debt and that XXXX XXXX has purchased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-03-10 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: AK

Complaint narrative:
I am formally disputing the following negative items on my credit report : Employers : XXXX XXXXXXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: TX

Complaint narrative:
I am filing a formal dispute regarding multiple violations of my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). I demand immediate correction and removal of the following inaccurate and unverified information from my credit report : 1. Invalid and Unverified Debt ( FDCPA Violations ) Under 15 U.S. Code 1692g, I am disputing the listed accounts as they have not been properly validated under the FDCPA. Your failure to provide legal validation means you can not report or collect on these accounts, and they must be removed immediately.

2. Incorrect Late Payment Remarks ( FCRA Violations ) Under 15 U.S. Code 1681s-2 ( a ) ( 1 ) and 15 U.S. Code 1666b, I am disputing inaccurate late payment remarks on the following accounts. These accounts were pai
d on time, and the false reporting of late payments is a violation of FCRA and TILA. I demand that these remarks be removed immediately to ensure the accuracy of my credit file.

Additionally, I have already filed a formal complaint with the Federal Trade Commission ( FTC ) under Reference Number : XXXX regarding these violations. If this matter is not resolved promptly, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action to protect my rights.

I expect a written response and correction within the legally required timeframe. Failure to comply may result in additional legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Nelnet, Inc.
State: MA

Complaint narrative:
my personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. 
Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-10 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: MS

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 
As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. 
"

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 2025-03-10 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: NJ

Complaint narrative:
Hello The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX ACCOUNT XXXX XXXXXXXX Account name : XXXX XXXX ACCOUNT XXXX XXXXXXXX Account name : XXXX ACCOUNT XXXX XXXXXXXX Account name : XXXX XXXX ACCOUNT XXXX XXXXXXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it.

According to 15 USC 1681s-2, they are not supposed to furnish any information that is known or believed to be 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