vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I had a XXXX XXXX XXXXXXXX XXXX XXXX XXXX  which I used to purchase furniture. I always make payments on time. In XX/XX/year>, I paid off my balance in full, believing I had XXXX  out my account and that no further payment was required. I did not check the account afterward, assuming everything was settled. 

In XX/XX/year>, I received an email stating I had a remaining balance of around {$20.00}. I called customer service and was told that I had missed the billing cycle by a few days, so I was charged {$4.00} in interest. I explained I was unaware of this and was willing to pay it immediately. 

However, the agent told me I should wait until XX/XX/XXXX, when the charge would be posted, and she would then waive the fee. She explicitly said she would monitor the account to ensure I wasnt charged anything extra. I have a full recording of this phone call. 

In XXXX, I received a bill for over {$30.00}, which included late fees and additional interest. I did not receive any follow-up from the agent as promised. I called the company multiple times. One call was disconnected, and another representative said they couldnt help me. 

I feel I was misled despite my willingness to cooperate and my good payment history. I followed the agents instructions in good faith and was penalized for it. I am requesting that all interest and late fees charged after XX/XX/year>XXXX  be reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-17 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: PA

Complaint narrative:
I was denied service from XXXX XXXX XXXX over something they saw on my credit check. Both XXXX XXXX XXXX show no issues with my credit. I went to go check my credit report via Experian, and in order to receive my statement they are sending a XXXX verification code to either an email address or phone number ; neither of which are my phone number or email address, but the email address is clearly meant to mimic my name and is potentially being used for fraudulent purposes. It is impossible to get a live representative on the phone, it is primarily a robot telling me to use the website ( which I am locked out of without the XXXX verification code ) and then telling me I can not speak to a live representative. The structure of their customer support program is not allowing me the ability to access my credit report, nor can I submit a fraud claim for the unauthorized access of a mysterious user to my information via Experian.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-07-17 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
This company is absolutely HORRIBLE!!! Mohela, I have tried Many attempts to log in and pay my loan. I can not log in, it tells me all of my information provided is incorrect. how can that be when you guys have all of my information to hurt my credit??? but that same information I can not log in to my account with??? I'm confused. Now my account is way past due, There is no customer service support. I have called a few times and have been put on hold for 2 to 3 hours. This is year 2025, life is busy! who can stay on hold that long when they have work and kids and LIFE!! There is no email associated for concerns with this company, and I do not feel its right for me to be held accountable. I do not know where to take my concerns so I am hoping this somehow helps my situation.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
Approxamely, XXXX months ago, I opened up a new checking & savings account that had a promotion for Truist Bank to give me XXXXXXXX XXXX if I Opened the account ONLINE, started witXXXX XXXX XXXX and other rules & terms, which I did them all and in fact DID get my XXXXXXXX XXXX after my account was verified and my direct deposits were put just to account. I received my account # 's, was able to order checks, did Everytbing Online as that was part of the promotion & have been using this account for a good XXXX months now when suddenly my account has been frozen bc they need to verify my account a XXXX time! Their Customer Service XXXX says the ONLY WAY to fix this is to drive XXXX miles to nearest Truist branch and show XXXX forms of ID 'S! This is why I got an ONLINE ACCOUNT! It's ALREADY been verified and been used for XXXX good months. I keep trying to talk to anyone that reasonable that there MUST be another way! I dont even XXXX or have a driver 's license and again, it's already been verified otherwise I would not of got the XXXXXXXX XXXX and been using the account all this time. Can't I send in a copy via fax? Can't I send in my copies via email?? I just dont understand how they can freeze my account for NO FAULT OF MY OWN and not give me ANY other way to show my IDs.?? THEY BASICALLY HAVE FROZEN MY ACCOUNT FOR XXXX REASONS AS MY ACCOUNT WAS ALREADY Verified! My next step is to go to 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 2025-07-17 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Big City Finance, LLLP
State: TX

Complaint narrative:
Power Finance Texas refuses to answer questions about their loan documents. They have an Authorized Representative binding the contract named " XXXX XXXX XXXX '' whose title is unknown. They have their General Counsel listed as Authorized Signer in filings with the Secretary of XXXX in Texas. The company refuses to state who this Authorized Representative is. The " XXXX '' of a supposed sister company called XXXX XXXX XXXX, mentioned nowhere in loan documents, makes threats about sending accounts to collection and exhibits aggressive conduct from an email address with a corporatemanaging.com domain. Privacy concerns about this and whether this person should have access to accounts get brushed aside. Also, a surety account trustee is listed in the loan document XXXX has not worked at the bank providing the surety account since XXXX. Their name and employment are misrepresented. Also, this company sends collection letters with no proper debt validation attempted. Due dates are only provided by the " XXXX '' of XXXX XXXX XXXX by email. The original collection letters had no due dates or notifications about rights to dispute. Also, in the attached email, the " XXXX '' claims the XXXX  stating their cost disclosure worksheets were correct means they don't have to answer questions. That's a complete falsehood and that investigation was not about the loan contract but another issue about Texas mandated cost disclosures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Did not authorize All inquiries on. XXXX  profile account..

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 2025-07-17 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: NY

Complaint narrative:
Please assist me in launching an investigation into these accounts, which are currently being misreported on my credit report. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. All relevant documentation is enclosed for your evaluation. It is also important to note that the reported details vary and are inaccurate across the credit bureaus.

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 2025-07-17 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the following creditors and credit reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically the requirements under : 15 U.S.C. 1681c-2 ( blocking inaccurate or identity-related accounts ), 15 U.S.C. 1681e ( b ) ( requirement to report with maximum possible accuracy ), and 15 U.S.C. 1681i ( a ) ( reinvestigation of disputed information ). 

I have submitted prior disputes to the credit reporting agencies, yet the following XXXX accounts remain inaccurately reported and unverifiable : Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-Off Issue : No documentation provided, inaccurate charge-off, unverifiable debt. Fails compliance with 1681e ( b ) & 1681i ( a ). 

Capital One Account # XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off Issue : Discrepant balance history, no proof of accuracy, unverifiable per 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Sold ; was Charged-Off Issue : Sold account still reported with derogatory marks. Reporting should have ceased under 1681c-2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off Issue : Inconsistent reporting, no proper validation provided, violates 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-Off Issue : No original agreement or records available, violates 1681e ( b ) and may be related to fraudulent activity ( 1681c-2 ). 

Despite my good faith attempts to resolve these issues directly with the credit bureaus, the items remain unresolved or unverifiable. I am requesting the CFPB to intervene and ensure that : A proper and documented reinvestigation is conducted ; Any item not verifiable with evidence is removed as required by law ; My rights under the FCRA are upheld. 

I have included copies of my dispute letters, a copy of my credit report, and identification documents. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ( Signature )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint against the following creditors and credit reporting agencies for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically the requirements under : 15 U.S.C. 1681c-2 ( blocking inaccurate or identity-related accounts ), 15 U.S.C. 1681e ( b ) ( requirement to report with maximum possible accuracy ), and 15 U.S.C. 1681i ( a ) ( reinvestigation of disputed information ). 

I have submitted prior disputes to the credit reporting agencies, yet the following XXXX accounts remain inaccurately reported and unverifiable : Accounts in Dispute : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off Issue : No documentation provided, inaccurate charge-off, unverifiable debt. Fails compliance with 1681e ( b ) & 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off Issue : Discrepant balance history, no proof of accuracy, unverifiable per 1681e ( b ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Sold ; was Charged-Off Issue : Sold account still reported with derogatory marks. Reporting should have ceased under 1681c-2. 

XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Charge-Off Issue : Inconsistent reporting, no proper validation provided, violates 1681i ( a ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Charge-Off Issue : No original agreement or records available, violates 1681e ( b ) and may be related to fraudulent activity ( 1681c-2 ). 

Despite my good faith attempts to resolve these issues directly with the credit bureaus, the items remain unresolved or unverifiable. I am requesting the CFPB to intervene and ensure that : A proper and documented reinvestigation is conducted ; Any item not verifiable with evidence is removed as required by law ; My rights under the FCRA are upheld. 

I have included copies of my dispute letters, a copy of my credit report, and identification documents. 

Thank you for your assistance in this matter. 

Sincerely, XXXX XXXX XXXX ( Signature )

Company response to consumer: Closed with explanation