vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

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 2025-09-24 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: OH

Complaint narrative:
I am formally disputing the late payment reflected on my credit file. This entry is inaccurate and does not align with my documented record of timely payments. Its continued presence on my report is both misleading and damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I ordered a pair of boots from XXXX, an online vendor advertising on XXXX. The order was charged to my XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Comenity Bank from Bread Financial XX/XX/2025 for {$74.00}. 
When I did not get an email confirmation from XXXX I reached out to their XXXX email asking for this. They responded, said my order was being created by hand and the boots would take longer to arrive. This was on XX/XX/XXXX. On XX/XX/XXXX I asked for a tracking number which they sent ( XXXX XXXX XXXX XXXX XXXXXXXX ). I followed it until the boots arrived to me on XX/XX/XXXX. 

The boots that arrived are smaller and very different than the order I placed. I wrote to the XXXX email and it is no longer working, as if the company is gone and not in business. 

I logged in to my XXXX Comenity Bank Bread Financial XXXX account and wrote a message about my problem. Their online service has an attachment feature to provide evidence that I have reached out to try to resolve directly with the vendor. This feature is broken and does not work, for over a month already ( I am in another dispute for an invalid charge with XXXX ). 

Today I got a reply from XXXX Comenity Bank XXXX XXXX that referred to investigating a charge that would take 90 days, obviously from their AI dept and auto generated, not mentioning the vendor 's name nor amount in dispute. This gives me no hope for a refund and I need to report their negligence at customer representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NY

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected.

I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate.

Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-09-24 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: AR

Complaint narrative:
I am writing to dispute and request the removal of unauthorized credit inquiries that appear on my credit report. I have carefully reviewed my report and found inquiries that I did not authorize, nor did I grant permission for these companies to access my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT I WANT ALL ERRONEOUS INFORMATION DELETED FROM MY EARLY WARNING SERVICES FILE FURNISHED BY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: MCT GROUP INC.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against MCT GROUP INC a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.

MCT GROUP INC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding a promotional offer from Fifth Third Bank that was not honored despite my full compliance with its terms. 

On or about XX/XX/XXXX, I received a mailer advertising a {$450.00} bonus for opening a Fifth Third checking account, funding it within XXXX  days with at least {$2000.00}. Before opening the account, I called Fifth Third Bank and obtained a promo code directly from a representative. I later called again to confirm both my account opening and promo code, and was told by another phone representative that everything was done properly. 

On XX/XX/XXXX, I successfully met the funding requirement of {$2000.00}. I then waited the required XXXX  days. 

When no bonus was credited after the waiting period, I called the bank on XX/XX/XXXX. At that time, I was told there was actually no promo code attached to my account, despite the earlier confirmations I received. The representative said they would submit a ticket to correct the issue and credit my account. 

Since then, I have had to call the bank multiple timeson XX/XX/XXXX, XXXX, and XXXX each time I was told there was no update, or that another request would have to be submitted. As of XX/XX/XXXX, the bank has still not issued the {$450.00} bonus. 

I believe Fifth Third Bank is misleading consumers with deceptive advertising. They confirmed multiple times that my promo code was applied, then later denied it, and now they continue to delay resolution. This appears to be a deliberate tactic to avoid honoring their promotional offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: MO

Complaint narrative:
I disputed the XXXX XXXX tradeline with Experian on XX/XX/year>. Experian closed the dispute in less than an hour and claimed the account was verified with no changes. It is not possible to conduct a reasonable investigation in under an hour, and this violates my rights under the FCRA. XXXX has previously reported errors and duplicates, and Experian continues to fail to investigate properly.

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 2025-09-24 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: MO

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 explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Rausch Sturm LLP
State: CA

Complaint narrative:
I am disputing the collection practices related to an alleged XXXX XXXX account. 

I never received any written notice from Rausch Sturm informing me that they were handling this account or attempting to collect on it. .Rausch XXXX XXXX its agents have repeatedly called my girlfriend, who was once listed as an authorized user but is not responsible for this account and has since been removed. They left voicemail messages referencing my name and the alleged debt. 

This is improper third-party contact and a violation of debt collection laws.This is inconsistent with the Fair Debt Collection Practices Act ( FDCPA ) and Californias Rosenthal Fair Debt Collection Practices Act, which require collectors to provide consumers with written notice of the debt and their role before initiating collection efforts

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 2025-09-24 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: KY

Complaint narrative:
Upon reviewing my credit report, I have identified the presence of certain items that are inaccurate. I would like to bring your attention to the following issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will contact the relevant creditor to verify the accuracy of these items. I kindly ask that any information that can not be verified by the creditor be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. 
Please provide an updated copy of my credit report to the aforementioned address. I am aware that, as per the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained a copy of my credit report in the past six months about the corrections made. 
Thank you for your attention and assistance in addressing this matter. 
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 2025-09-24 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: KY

Complaint narrative:
Upon reviewing my credit report, I have identified the presence of certain items that are inaccurate. I would like to bring your attention to the following issues : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act, I hereby request a thorough investigation into these items and their subsequent removal from my credit report. It is my understanding that you will contact the relevant creditor to verify the accuracy of these items. I kindly ask that any information that can not be verified by the creditor be expunged from my report. As per 15 U.S.C. Sec. 1681i ( a ), I expect this reinvestigation to be completed within 30 days from the date of this letter. 
Please provide an updated copy of my credit report to the aforementioned address. I am aware that, as per the act, there should be no charge for this updated report. Additionally, I request that you notify anyone who has obtained a copy of my credit report in the past six months about the corrections made. 
Thank you for your attention and assistance in addressing this matter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cedars Business Services, LLC
State: MA

Complaint narrative:
My phone was stolen on XX/XX/year>, in XXXX. The thieves were able to gain access to my XXXX account through the XXXX on my device. XXXX has not provided any information pertaining to the debt although I have explained to them numerous times that my phone was stolen and did not have access to my account. I even went as far as updating the information on the account ( email & phone number ). I have disputed the fraudulent {$720.00} charge which I found out about via a collection agency letter from Cedar Business Services. I first contacted the agency on XX/XX/XXXX, the day I became aware of this issue and followed up on XX/XX/XXXX with another letter and a copy of the Police Report I filed, when XXXX  informed me, the amount due was now {$2600.00}. To date, I have received XXXX response from Cedar ( collection agency ) and XXXX will not do anything to correct the situation until payment of {$2600.00}. is made to them. Any assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request immediate correction of inaccurate and unverifiable information that Chase Bank, N.A. is reporting to XXXX XXXX XXXX XXXX XXXX XXXX  and the consumer reporting agencies regarding my account. 

Background XXXX has claimed that I owe approximately {$6000.00} in overdraft charges related to a dispute allegedly filed in 2021. I never filed such a claim, nor have I received any supporting documentation from Chase despite multiple requests. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are required to provide proof of the accuracy of this debt if you intend to report it.

Additionally, my XXXX  report is incomplete and inaccurate. Transactions I personally conducted and have receipts for are not reflected on my file. Moreover, Chase claims a deposit from the Small Business Administration ( SBA ) was returned. The SBA has confirmed in writing that no funds were ever returned to them, contradicting Chases position.

Chase also reported that I maxed out a Chase credit card, which is untrue. I have documentation that disproves this allegation. I have already filed an FTC Identity Theft Report related to these issues and provided it to Chase, yet these false and damaging reports remain.

Violations Failure to furnish requested documentation regarding the alleged 2021 dispute.

Reporting inaccurate and unverifiable account information to XXXX  and consumer reporting agencies. 
Failure to correct errors after notice, as required by the FCRA.

Potential mishandling of SBA funds, which requires further investigation.

Demand I demand that Chase and XXXX  take the following actions : 1. Provide Documentation : Furnish all records related to the alleged 2021 dispute, including the claim form, communications, and any internal investigation notes.

2. Correct Records : Remove or correct all inaccurate entries from my XXXX  file and from all credit reporting agencies ( XXXX XXXX and XXXX  ). 
3. Trace SBA Deposit : Provide a full trace of the SBA grant deposit that was allegedly returned.

4. Written Confirmation : Provide written confirmation of the steps taken to resolve these errors.

If you fail to comply, I will escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( OCC ), and the SBA Office of Inspector General. I will also pursue my rights in civil court under the FCRA
and the Fair Credit Billing Act ( FCBA ).

I expect a written response within 30 days, as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: UT

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX balance {$410000.00} Account Number XXXX Date Opened XX/XX/XXXX XXXX XXXX  Original Balance {$15000.00} Account Number XXXX Date Opened XX/XX/XXXXXXXX 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