vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: AZ

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy. 
The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
1. Ongoing attempts to collect debt for Dell thro Commenity Bank was initiated by collection agency, who in spite of multiple requests to furnish accurate account statement did not cooperate and kept sending the same balance and collection letters repeatedly. Upon checking with Dell, XXXX confirmed on phone that there is XXXX balance and nothing due from Commenity Bank. 

1The collection agency could not furnish the ledger how and when the loan started, a few payments withdrawn by ACH many years ago and then who and why were they stopped by whom?? These records were never produced, neither the answer to my main question why was not contacted for almost two years and then started fake looking statements. I certainly did not want to pay it off if I could not get proper accounting details and why amortization statement did not reflect ACH credits timeline.

2. XXXX XXXX XXXX XXXXXXXX was unique nightmare when the HOA abruptly started charging the condo owners additional ( exorbitant ) extra fees to cover the increased Insurance premiums imposed on the HOA and in turn HOA started billing huge amounts retrospectively. When we tried to question the XXXX HOA after paying a modest increase, we were slapped with thousands of dollars outstanding bill and aggressive collection practices. The attorney firm later hired for debt collection never updated the ledger with recent payments received and we ended up being reported wrongly to the credit bureau. Till today we have not been able to know why we were mandated to contribute to their penalty for non-maintenance of the swimming pool. We as investors have taken a big hit on return on investment. Slashing down our XXXX  by XXXX points is indeed detrimental blow to our credit rating we tried to maintain so religiously through out our lifetime struggles. 
We hope we can get your timely help to maintain our hard earned credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing this complaint because my credit report show hard inquiry that I did not authorize : XXXX XXXX XXXX XX/XX/year>. This unauthorized inquiry is negatively affecting my credit scores and causing unnecessary stress. I never provided written consent for this company to access my credit files, which is a clear violation of my rights under the FCRAs permissible purpose rules ( XXXX U.S.C. XXXX ). Additionally, due to the ongoing FTC shutdown, I am unable to access the necessary resources to resolve this issue directly through the FTC. I am requesting the XXXX  assistance in ensuring this unauthorized inquiry is removed from my credit reports as soon as possible. This situation is hindering my ability to apply for credit, and I need it resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kelsting Group, Inc.
State: CA

Complaint narrative:
I hired a property management company, XXXX XXXX XXXX XXXX, managed my property, due to company 's agent wrongful practice and breach of contract, I fired the company and terminated their service. Later, they claimed that I owned them fees and asked a XXXX party collection company, XXXX XXXX XXXX, to collect the debt. There is no debt or fees owned due to their breached of contract! 

My credit score went from XXXX to XXXX because of the XXXX XXXXarty collection company 's wrongfully misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I opened a savings/checking account combo in XXXX since they advertised a {$900.00} bonus. They accepted my initial deposit of {$2400.00} for the savings account via XXXX from my primary checking account, XXXX XXXX. They then refused to accept any more, accusing me, inexplicably, of " committing fraud ''. They also accepted {$870.00} for the checking account via direct deposit. As they refused to accept future deposits to meet the " bonus '' requirement and avoid monthly fees I closed both accounts. 

They said they would refund both via paper check, which was never received. After MANY hours calling them multiple times they initially said they would cancel the original check/s ( if they were ever sent ) and re-issue. Now, they insist I come to a branch to fill out some form. They issued the check/s ( if they did ) so they can determine that they were not cashed, cancel and re-issue then. The accounts were opened opened online, the funds were deposited electronically, there is XXXX reason I need to risk my health getting to a branch to get my money back. They can put the money back ELECTRONICALLY to exactly where it came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX Experian XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Credit Bureau Representative, I'm reaching out again because I've been more than patient with this account reporting issue, and I'm beyond frustrated at this point. I've sent multiple dispute letters about the XXXX XXXX XXXX account, and yet it's still not marked as " in dispute, '' hasn't been properly investigated, and continues to show inaccurate information across the bureaus. 

This account was paid off and closed,- which is misleading and completely unfair. To make matters worse, the details being reported are inconsistent between bureaus, including the dates, high balance, and status. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair investigation, and to have any account marked as " in dispute '' when I've challenged it. That clearly hasn't been done. This isn't just a small error- it's something that directly affects my credit, my ability to obtain a federal job, and my reputation. 

I'm asking that you remove this account entirely from my credit report. It's been paid, it's full of reporting errors, and your previous investigations have not addressed the issues. 

If this isn't corrected within 15 days, I'll have no choice but to seek legal action for noncompliance under 15 U.S.C. 91681i and 1681s-2 ( b ). I'll also be filing a formal complaint with the CFPB for your repeated failure to properly investigate and update the dispute status. 

I'm attaching documentation again for your reference. Please confirm in writing once this account has been deleted or corrected. 

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 2025-11-13 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: FL

Complaint narrative:
I see that inaccurate late payments are still appearing on my credit reports today, and I am unsure why. The inaccurate late payments did not disappear when I refreshed my browsers. I am requesting that all the documents I submitted be reviewed carefully so I never have to worry about this again.

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
I am filing a complaint against Elan Financial Services, issuer of the XXXX credit card, regarding an unresolved issue involving a credit-card convenience check. 

On XXXX XXXX XXXX, I issued an {$8000.00} convenience check ( # XXXX ) from my Fidelity/Elan credit card payable to XXXX for a loan payment. Elan later informed me that the check was withdrawn on XXXX XXXX XXXX. However, XXXX states they can not locate or verify this payment and requested the front-and-back image of the check to continue their investigation ( XXXX case XXXX ) XXXX 

I contacted Elan Financial Services to supply the check image and transaction documentation. I also placed a stop-payment request on XXXX XXXX XXXX  after learning the payment could not be confirmed. 

Despite these efforts, Elan has not provided - a. The front-and-back image of the check b. Deposit information showing where the funds went c. Documentation linked to my Fidelity case ( XXXX ) d. Clear guidance on a billing dispute even though {$8000.00} was withdrawn from my credit card account This conflicting information between Elan and XXXX has left me unable to resolve the transaction.

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 2025-11-13 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: TX

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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>

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 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
I borrowed {$1200.00} on XX/XX/year> from Willow Lake Lending in California. APR was not disclosed as 757.32 %. After paying {$320.00}, a week ago, my balance increased to {$1300.00}. The company refuses to provide me with a copy of the signed contract and responded rudely, saying, 'Did n't you read before you signed? ' I believe this loan is predatory, may violate California law, and the lender may not be licensed. Please investigate.

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 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: IL

Complaint narrative:
Cashapp randomly closed my account after years of using it. I only use this app to send and receive money through friends and family. I would like my account reinstated immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: EQUIFAX, INC.
State: DE

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or updated within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: CreditNinja Lending, LLC
State: KS

Complaint narrative:
I was told that I was being sued by a credit ninja due to a {$500.00} loan that was taken out on XX/XX/XXXX of 2020 which I know nothing about and did not apply for

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 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I requested full validation of this JEFFCAPSYS collection account, including the original creditors name, a complete payment ledger, itemized statements showing how the {$710.00} balance was calculated, and proof that the account was legally assigned or transferred to JEFFCAPSYS. Its been over 60 days since my certified dispute was received, and I have not received one piece of documentation. Instead, Ive only received automated letters and another copy of my credit report which is not verification under the FCRA, FDCPA, or XXXX XXXX reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: Sunbit, Inc.
State: MO

Complaint narrative:
Sunbit froze the credit card I was using on XXXX for no reason. I paid the card off weekly after using it very heavily for the past 3 months. I called them twice and both times they only cited new policy as the reason and said they couldnt turn it back on unto I emailed them a selfie of myself holding my drivers license, a selfie holding my social security card and a selfie of me holding a utility bill. I said no.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XXXX, I disputed three charges from a deceptive coaching program ( XXXX XXXX XXXX XXXX XXXX XXXX ). The merchant misrepresented the services and never delivered the advertising, lead generation, or done-for-you system that was promised. The total disputed amount is {$24000.00}. 

American Express has repeatedly refused to process these disputes under the correct laws. Instead, they rely only on the 60-day billing-error rule ( 15 U.S.C. 1666 ), which does not apply to merchant fraud or misrepresentation. 

I specifically requested that Amex handle the dispute under : 15 U.S.C. 1666i ( Claims and Defenses ) The FTC Holder Rule ( 16 C.F.R. 433 ) Both laws make the card issuer jointly liable for merchant fraud, even after an account is paid in full. 

Amex has never provided the information I requested, including : Their written compliance policy for 1666i / Holder Rule Any merchant rebuttal or evidence An explanation for why fraud/misrepresentation was not processed under 1666i Instead, Amex has issued contradictory responses : In the XX/XX/XXXX response, Amex stated that they could not investigate because the charges were too old and therefore were not processed. 

In the XX/XX/XXXX response, they claimed the disputes were resolved in favor of the merchant, which contradicts their earlier statement that no investigation occurred. 

These two statements can not both be true. My attached emails from Amex ( Exhibits AC ) show all disputes were automatically closed as over 60 days old, meaning no merchant investigation ever took place. 

Amex has ignored multiple requests for clarification, continues citing the wrong statute, and has not complied with federal law governing merchant fraud. Their repeated refusal to apply 1666i and the FTC Holder Rule has caused financial harm, including interest, minimum payment charges, and the need to use retirement funds to pay off the affected accounts. 

I am requesting CFPB assistance because Amex is not following federal law and has repeatedly avoided addressing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Bankruptcy
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
My loans were previously serviced through SoFi and XXXX. I was recently notified that XXXX is no longer involved, and my loans are with SoFi only. I previously completed several applications for Total and Permanent XXXX discharge due to having a XXXX XXXX XXXX that has required XXXX surgeries, the most recent one leaving me with XXXX XXXX and unable to use my dominant arm. I have been unable to work for more than a year, and have been on state XXXX. The denials for discharge were based on my previous tax returns, which are not nearly reflective of my current financial status, yet SoFi fails to accept all forms of evidence that I do indeed qualify for forgiveness. I attempted to reapply for discharge based on XXXX, but now there is no information or option for that and I am being told that forgiveness only applies to federal loans and not private, even though I was in the middle of the process. The combination of my XXXX, extreme medical debt, and inability to work has put me in a position of severe hardship and SoFi continues to deny me any sort of assistance. I will seek legal action if necessary as my life depends on being able to pay my medical bills and receive treatment.

Company response to consumer: Closed with explanation