vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Westcreek Financial
State: CA

Complaint narrative:
Your company is in violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by attempting to collect on a debt that has already been canceled, as evidenced by a Form 1099-C filed by the original creditor. Under 26 U.S.C. 6050P, a 1099-C represents the discharge of a debt, and attempting to collect on a canceled obligation constitutes a misrepresentation of the legal status of the debt in violation of 15 U.S.C. 1692e, 1692e ( 2 ) ( A ), and 1692f. By continuing to report or pursue this invalid debt, your company is knowingly furnishing inaccurate information to the credit bureaus in violation of 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ).

Furthermore, your company failed to comply with my lawful request for validation of debt under 15 U.S.C. 1692g ( b ). I specifically requested a full chain of title, a letter of assignment, and any legal documentation establishing that your company has the right to collect this debt, including the original signed contract. You provided none of the required documentation and instead continued collection activities, which is a direct violation of both the FDCPA and the FCRA, including 15 U.S.C. 1681i and 1681s-2 ( b ). Your failure to validate, combined with your attempt to collect a canceled debt, represents multiple federal violations for which your company is fully liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I signed up for a XXXX Credit card and never received it. I notified the comp many supposedly they sent another credit card. There was a chart on the card that was not XXXX,! I disputed The card. 
I receive my statement and I have a late charge on the {$2.00} charge For reviving a paper statement and a {$3.00} for minimum statement fee and a {$41.00} late Few for not paying those XXXX fees. I closed my account and will not pay for these other fees- this is predatory and unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I regularly review my credit report because maintaining an accurate credit profile is extremely important to me. However, I keep seeing inaccurate and false information that has remained uncorrected despite my repeated attempts to address it. This recurring issue has become incredibly stressful and exhausting, and it continues to affect both my life and my credit score in an unfair and damaging way.

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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/year>, an unauthorized XXXX reservation ( approximately {$700.00} USD ) was charged to my Bank of America credit card. I did NOT make or authorize this booking.

It was made through my XXXX account after it was accessed without my permission. 

I immediately contacted Bank of America in XXXX to report the unauthorized transaction and requested a fraud investigation. I also contacted XXXX and informed them that the booking was not made by me.

However, Bank of America incorrectly processed my case as a merchant dispute instead of an unauthorized transaction ( fraud ). Because the bank removed the ability to file a fraud claim and repeatedly denied me, I was forced to pay the amount to avoid late fees and prevent damage to my credit score.

I paid under protest and do NOT waive my rights under Regulation Z.

Bank of America delayed handling my case for several months. 
In XXXX and XXXX, the bank finally told me that the issue was not with them and that they could not help further. XXXX also told me that they need proof from the hotel that the booking was not made by me, but the hotel has not provided any verification.

I have attached screenshots of the unauthorized booking, my communications with Bank of America and XXXX, and proof that I attempted to resolve this multiple times.

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 2025-11-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I requested that my account be closed via phone call. The balanced, as quoted that day, was made. The account was noted as fully closed. At the next month, and to this day, I keep getting a due balance of {$11.00}. Supposedly, i was told, interest, late fees, and service charges. I was under the impression that since i paid off everything gets closed, end of case. Not only that, since it all was closed I did not pay any attention to the account until I got a bad credit report for no payment. So my credit report was negatively affected. To this day I don't know how i can get the account totally closed even after paying the balance that they claiming of {$11.00} I don't think I should not be charged any longer plus I think they are responsible on notifying to the credit departments the reason and get it corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  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. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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:
My credit info was used to try and open fraudulent credit account. I am a victim of identity theft. Please dispute and remove following inquiry

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that the TransUnion credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address 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 2025-11-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
On XXXX XX/XX/XXXX, I received a pop-up ad from Capital one shopping that stated that things purchased ( with few exceptions, none of which apply ) from XXXX XXXX would result in 28.8 % rewards. Based on that offer, I activated it by clicking on the offer and verified that a shopping trip was recorded. I purchased several items on one order. XXXX XXXX shipped this in 3 different shipments. All three shipments appeared on Capital One, but only 2 of the three shipments showed 28.8 % in rewards. The other shipment, two floor lamps for {$110.00}, show a reward of 8 % which does not come close to the 28.8 % that they advertised. I have contacted Capital One three times now, and each time I am told to wait. The rewards posted, they see the proof of the orders, but it is the Capital One system that is not properly reflecting their own advertised solicitation to me. I simply want to make sure that the 28.8 % will properly post. When people are making purchases, and have choices for rewards programs, they often take into account the amount of the reward when making their purchase. This is what I did. In this purchase, Capital One was the highest and so I went with them. However, if one can not get a straight answer from customer service on a process that is hidden, at best, consumers are unable to rely on what my credit card company advertised me to add. Please note that Capital One acquired the company XXXX in XXXX and rebranded it as Capital One Shopping so my credit card company is the entity that owns Capital One shopping and should be open and transparent in their dealings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-25 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: NJ

Complaint narrative:
CFPB Complaint Summary Inaccurate Credit Reporting I am filing a complaint against Experian, Equifax, TransUnion, and XXXX for failure to accurately report, verify, and correct incorrect credit information. 

The XXXX account contains : - Contradictory delinquency history ( XX/XX/year> days reported inconsistently ) - Delinquencies reported during ND ( No Data ) periods - Delinquencies reported after the account was marked Paid/Closed - Failed reinvestigation despite documented inaccuracies - Updates reported without actual correction These actions violate : - FCRA 602 ( A ) - FCRA 607 ( b ) - FCRA 611 - FCRA 623 ( a ) ( 1 ) ( A ) I am requesting CFPB intervention to enforce deletion of the account or update to paid as agreed/never late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
CFPB Complaint Summary Inaccurate Credit Reporting I am filing a complaint against Experian, Equifax, TransUnion, and XXXX for failure to accurately report, verify, and correct incorrect credit information. 

The XXXX account contains : - Contradictory delinquency history ( XX/XX/year> days reported inconsistently ) - Delinquencies reported during ND ( No Data ) periods - Delinquencies reported after the account was marked Paid/Closed - Failed reinvestigation despite documented inaccuracies - Updates reported without actual correction These actions violate : - FCRA 602 ( A ) - FCRA 607 ( b ) - FCRA 611 - FCRA 623 ( a ) ( 1 ) ( A ) I am requesting CFPB intervention to enforce deletion of the account or update to paid as agreed/never late

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I am writing to dispute this derogatory information on my credit report that I believe is inaccurate, incomplete, and/or can not be properly verified. This letter is a formal request for reinvestigation pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, 15 U.S.C 1681-2B and any applicable state consumer protection laws. 

XXXX XXXX XXXX Auto Loan ( Charge-Off ) Creditor : EXETER FINANCE LLC Opened XXXX XX/XX/year> Original Amount : {$17000.00} Reported Status : Charge-off Reported Balance/Past Due : Approximately {$15000.00} This tradeline is disputed. I request that you verify the original contract, payment history, default date, and charge-off date, and confirm that any reported balance and past-due amount are accurate. I am also writing to request verification of the current reported on my credit file. Pursuant to the Fair Credit reporting Act, I seek confirmation of the ownership, accuracy of the balance, transaction history, payments made, and any charge-off status associated with this account.

Additionally, I request that you obtain and provide the following documentation from the furnisher of this account : 1. The original signed application or contract with my signature. 2. A detailed breakdown of the current balance, including all applicable fees and interest charges. 3. Documentation supporting the rep
orted charge-off and any alleged delinquency date.

4. Proof of the last payment made on this account. 

If the furnisher is unable to produce the requested documentation, I kindly request that this account be removed from my credit report, as per the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing the accuracy of the entry listed on my credit report with Regional Acceptance Corporation. I was included on this account solely as a cosigner ; at no time did I have possession of any documentation related to the loan in question, nor did I have possession of, control over, use of, or benefit from the vehicle after it was purchased. Moreover, I was never notified of any delinquency nor given any opportunity to cure any past due amount before repossession occurred. 

Because I did not assume the primary obligation and because I was not properly notified, I contend that the reporting of a repossession as my liability is inaccurate and violates the furnishers duties under the Fair Credit Reporting Act ( FCRA ). The following statutory provisions appear to have been breached : 1. FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681sn2 ( a ) ( 1 ) ( A ) ) prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate. If the lender or dealership reported me as having full liability or possession when I did not, this constitutes a violation of this section. 
2. FCRA 623 ( a ) ( 2 ) requires furnishers to correct and update information that is incomplete or inaccurate, and 623 ( a ) ( 3 ) requires them to flag an account as in dispute when a consumer disputes it directly. Failure to do so when notified constitutes a violation of these sections.

3. FCRA 623 ( b ) ( 1 ) ( 15 U.S.C. 1681sn2 ( b ) ( 1 ) ) requires a furnisher, after receiving notice of a dispute from a credit bureau, to investigate and review all relevant information and report the results within 30 days. If my dispute is ignored or improperly investigated, this obligation has not been met.

4. FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) requires credit reporting agencies to reinvestigate disputed information within 30 days ( 45 in some instances ) and delete unverifiable entries. If the repossession can not be verified accurately, it must be deleted or corrected immediately. 

Because these legal obligations weren't met, I would like to ask that your bureau investigate and verify this repossession entry. Specifically, please provide : Proof that I received timely written notice of default or repossession ; Proof that I ever had possession, use, or control of the vehicle ; Verification of how the lender classified my role ( cosigner vs. primary borrower ) ; and Confirmation that the lenders reporting complies with the cited FCRA provisions.

If the validity of the reporting can not demonstrate that I was notified correctly and in a timely manner, I request that the repossession entry be deleted or corrected in accordance with FCRA 611 ( a ) and 623 ( b ).

Thank you for your prompt attention to this matter.

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 2025-11-25 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: MO

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-25 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: Fidelity National Information Services, Inc. (FNIS)
State: SC

Complaint narrative:
Chex Systems bought sold and traded my personal information for monetary gain without my consent, which is identity theft. 





Violations of the Fair Credit Reporting Act ( FCRA ) Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am exercising my rights under : 1681c-2 ( FCRA 605B ) Identity Theft Block You must block the reporting of information that resulted from identity theft within 4 business days of receiving my dispute and identity theft documentation.

1681i Reinvestigation of Disputed Information You are required to conduct a reasonable reinvestigation of disputed items.

1681s-2 Responsibilities of Furnishers of Information It is illegal to furnish data to credit reporting agencies that is known or reasonably should be known to be inaccurate.

Your failure to remove or investigate the fraudulent items may result in additional legal liability.

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 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
XXXX has restricted my account which contains XXXX XXXX  ( Currently worth $ XXXX based on the current value of XRP per token at XXXX XXXX. I can not transfer the crypto or withdraw any funds ; my account is completely locked. This was supposed to be resolved on XX/XX/XXXX and the date has been extended to XX/XX/XXXX. I spoke with Robinhood support to see if anything was needed from me and they told me no. I asked why this occurred and when it would be unrestricted and they did not provide an answer. I have been with Robinhood since XXXX and have never had this happen. The account was originally restricted on XX/XX/XXXX and it is currently XX/XX/XXXX with no apparent timeline of when I am able to access my funds.

Company response to consumer: Closed with explanation