vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XX/XX/year> : My husband & I visited the XXXX location in XXXX, TX in search of a couch we fell in love with. Im a consistent XXXX customer. My couch & guest bedroom set are both XXXX products & I have never had an experience like this. 
We expressed interest in the XXXX XXXX XXXX & a representative was very kind ( but was new ) and was very tedious with communicating what she was trying to get us the best deal for the sectional, ottoman, delivery & the 5-year warranty. About 20 minutes into her working on the quote, XXXX presented herself as a manager & stated she applied her manager special to give us the best offer for what we wanted. She states the offer is better with financing through XXXX & throughout the process proceeded to have conversations sharing information beyond what was required & appropriate for this purchase. 
My husband & I decided to agree to make the purchase & proceeded with the purchasing process. She asks for two forms of ID and enters it in the column block with the words customer declined ppp. Luckily I became curious & asked her what that meant & she casually stated that there was no protection plan on this $ XXXX couch we were about to purchase. The manager special she was dishonest about applying was her removing the protection plan against our wishes. We expressed that we were misled of what the agreed upon price included & stated we were no longer interested & wanted to cancel the credit application & transaction. Her attitude immediately shifted & was dismissive & she told us to call synchrony bank regarding the credit card. This credit pull has already hit my credit report & we clearly expressed to her how intentional we are with our credit scores. A fraud application needs to be submitted for this credit card. She should not be allotted the points or whatever incentive is given for credit card applications as she lied to have us apply. 

XX/XX/year> : I sent an email to their email at XXXX XX/XX/year> : We received an email stating that a thorough investigation regarding the misinformation given. 

We received a call back from XXXX XXXX supervisors and representatives apologizing for the inconveniences and wanting us to give them a second chance, however, my husband and I were not interested and want this to be removed from my credit. They stated that " Appropriate disciplinary action '' was taken, however, never told us the outcome or did anything to fix the credit application.

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 2025-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
XXXX  - paid tuition XXXX  - paid XXXX  for dorming *requested (and never received) XXXX  - refunded XXXX XXXX - wells fargo refunded XXXX (Wells Fargo admitted this was internal error but they they needed to collect despite not returning XXXX XXXX  - Spoke to XXXX XXXXl and XXXX XXXX. Stated that all find would be withdrawn from my account to compensate for admitted internal issue. I stated that I do not authorize this action and would like to escalate. XXXX  confirmed no funds would be withdrawn until escalation was complete. 2 hours later funds were withdrawn. XXXX  - Spoke to wells fargo asked for case to be submitted for dorming cost - XXXX Case number: XXXX XXXX Requested all documents and communications, paused all account activity, provisional credit for amount taken from account on XXXX, asked for over draft protection. XXXX - Spoke with XXXX  in executive office. Was told I would be contacted on XXXX with update and all other information.XXXX  - was not contacted. XXXX  - I reached out to XXXX  and was told that the case would take longer to process. Reminded her she confirmed she would contact me on XXXX (stated by her on XXXX) I still haven't received records, provisional credit, my account is incurring over draft fees, and the XXXX  department of wells fargo is constantly contacting 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 monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On XX/XX/year> alone, Comenity Bank called me four times between XXXX XXXX  and XXXX XXXX. They call from a regular number the first time they call and then begin harassing phone calls from a private number. They NEVER leave a message so I began answering the private number calls. Always Comenity Bank! To receive 4 calls in a one-hour timeframe is harassment and ridiculous! This is for an account that is currently 9 days past due. I have recorded their calls today because one woman tried to tell me she has no record of them calling me today. Well, I have record and I have recorded record of it. This is harassment! Call once and leave a message. Stop breaking the law!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express gift cards simply do NOT work as implied. 
They are not accepted " virtually everywhere '' that American Express is accepted. 
That is a lie. 
The expiration date on a card I just received is XXXX, XXXX- which is " too far beyond '' what a merchant can accept as a valid expiration date. 
You are unable to " register '' your American Express gift card in your name, so the card remains " anonymous '' and therefore you are unable to use it for travel purposes. 
I spent hours this morning trying to rectify this with American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing inaccurate credit reporting related to improper address verification and account association. 

Multiple accounts are currently reporting on my consumer credit file that are tied to an old and incorrect address that I no longer reside at and have not verified. These accounts appear to have been associated with me solely through address-based matching rather than proper identity verification. 

I previously contacted the company and requested address verification and documentation showing how these accounts were linked to me at my current address. The company failed to provide this information and continues to report the accounts. 

Reporting accounts tied to an outdated or incorrect address without proper verification is inaccurate and misleading, and violates the Fair Credit Reporting Acts requirement to ensure maximum possible accuracy. 

I am requesting verification and correction of my current address and removal of any accounts that can not be verified as belonging to me at my current address. If verification can not be produced, the accounts must be deleted.

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 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IA

Complaint narrative:
I am filing this complaint against Comenity Bank, the issuer of my XXXX XXXX Credit Card, for what I believe to be the unfair and wrongful closure of my account, which has negatively impacted my credit score. 
What Happened : In XX/XX/year>, I received an email from Comenity Bank notifying me that my XXXX XXXX Credit Card account was at risk of closure due to inactivity. The email specifically instructed me to use the card soon to prevent this from happening. In response to this notice, I made a purchase using the card on XX/XX/year>, to keep the account active as directed. 

However, the very next day, on XX/XX/year>, I received notification that my account had been closed. This closure occurred despite my timely action to use the card following their explicit warning. I was not provided with any prior indication that the closure process had already begun or that my usage would not prevent it. The email I received implied that using the card would avoid closure, yet it was canceled immediately after I complied. 
As a result of this closure, my credit report now reflects an account closed by the creditor, which has lowered my credit utilization ratio and overall credit score. This has caused me financial harm, including potential difficulties in obtaining future credit or loans at favorable rates.

I have contacted Comenity Banks customer service multiple times to resolve this issue, but they have not provided a satisfactory explanation or offered to reopen the account. Their representatives claimed the closure was due to inactivity, but this does not align with the timing of my usage in direct response to their notice.

What I Believe Would Be Fair : I request that Comenity Bank reopen my XXXX XXXX Credit Card account with the original terms and credit limit, remove any negative reporting related to this closure from my credit reports with all three major bureaus ( XXXX XXXX XXXX XXXX  ), and provide compensation for any damage to my credit score or associated costs. Additionally, I ask that the CFPB investigate this practice to ensure it complies with fair credit practices under the Fair Credit Reporting Act and other relevant regulations.

Account Details : Account Issuer : Comenity Bank Account Type : XXXX XXXX Credit Card My Contact Information : XXXX XXXX XXXX XXXX Thank you for your assistance in resolving this matter. I can provide copies of the email notifications, transaction receipts, and credit report excerpts upon request. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
Im not involved with these accounts and didnt approve their setup. Please check into this and remove them from my record. Evidence accompanies this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX  filed for bankruptcy and XXXX  collect put me in collections but every time i ask for proof of validation all they do is send me my original contract with XXXX XXXX XXXX  which no longer exists as a company. 
XXXX emails with tek collect still not providing legal proof of validation that they can collect this money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: DE

Complaint narrative:
I am currently serving on XXXX XXXX in the United States XXXX XXXX and recently discovered multiple inaccurate and adverse items reported on my credit file. These accounts were either opened or became delinquent before or during my XXXX service and were not properly adjusted in accordance with the Servicemembers Civil Relief Act ( SCRA ), specifically 50 U.S.C. 3937. Under this law, pre-service debts must be recalculated to a 6 % interest rate, and creditors are prohibited from reporting negative information or pursuing collections on unadjusted obligations. The continued reporting of these derogatory tradelines and collections is in violation of both the SCRA and 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 2025-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IN

Complaint narrative:
I sent LVNV Funding LLC a written debt validation request in XX/XX/year> regarding the above-referenced account originally associated with XXXX. LVNV Funding did not provide validation of the alleged debt directly to me.

Despite failing to provide proper debt validation as required under the Fair Debt Collection Practices Act, LVNV Funding continues to report and furnish this collection account to XXXX. The account is marked as disputed, but no documentation validating the debt has been provided to me, including proof of ownership, an itemized statement of charges, or evidence of the original agreement.

I am requesting that LVNV Funding either provide proper debt validation or cease collection activity and remove the account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute an unauthorized hard inquiry that appears on my Experian consumer credit report. I did not authorize this inquiry, nor did I provide written or verbal permission for my credit report to be accessed for this purpose.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may only report inquiries that are supported by a permissible purpose. Any inquiry that can not be verified as having a valid permissible purpose must be removed immediately. 
Disputed Inquiry : XXXX XX/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 2025-12-29 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: TX

Complaint narrative:
This is a follow-up complaint regarding [ XXXX  / Equifax / XXXX  XXXX XXXX I previously filed a dispute and complaint under the FCRA ( 15 U.S.C. 1681i ), but the bureau continues to ignore its obligations. The inaccurate accounts remain on my file despite clear statutory violations. As established in XXXX v. TransUnion ( XXXX ), XXXX ( XXXX ), and XXXX v. TransUnion ( XXXX ), such conduct is unlawful and has already resulted in significant liability for the credit bureaus. 

Accounts Still Inaccurate : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: IL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2025-12-29 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 submitting this dispute to the Consumer Financial Protection Bureau ( CFPB ) regarding several inaccuracies on my credit report. Below are the accounts I am disputing, separated by bureau. I request that these disputed items be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

I am disputing the following accounts with Experian : Inquiries : XXXXXXXX XXXX  XXXX, XX/XX/XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX  XXXX XXXX, XX/XX/XXXX Late Payments : XXXX, XXXX ( Repeated multiple times )

Company response to consumer: Closed with explanation