vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/year> XXXX  XXXX  Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: MI

Complaint narrative:
I mailed a dispute letter to Experian disputing the completeness and accuracy of accounts on my credit report. I recently received a response from Experian that was issued by them on XX/XX/year> that they received my dispute but they would not process it because they are assuming it was not authorized by me. I'm not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Experian do its job and conduct a proper investigation on the accounts I am trying to dispute.

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 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I spoke with an agent identified with the number XXXX. This information was provided today, XX/XX/year>, at XXXX by someone who identified themselves as XXXX XXXX when I made a call because I had been charged again for a late payment. On XX/XX/XXXX of the current year, I spoke with a young lady to whom I asked the favor of removing a late payment fine of XXXX dollars, which she very kindly removed, and I explained to her, as recorded in the conversation, that I hoped this would not happen again next month because I had made a payment that day that corresponded to the month of XXXX, and that the due date was XX/XX/year>, so the payments were made in advance, and everything was understood that this would not happen again. Today, I see my bill, and I am charged again XXXX dollars for a late payment. I spoke with XXXX, who identifies as XXXX, and I explained to him that I am being charged again the XXXX and that this situation had already happened to me in XXXX and that they had removed that charge from me, then the agent told me that there was nothing he could do and explained to me that after the payment due date, six days would pass and that the payments made within those days would be applied to the overdue payment. Having that clear, I expressed to him why the previous agent who assisted me didn't explain that situation so that it wouldn't happen again. Since when I spoke with the first agent identified as XXXX, I told her that I hoped it wouldn't happen again that I would be charged a late fee when the payment had already been made, and she told me not to worry that it wouldn't happen again. However, today they charged me and did not reverse it with a double payment to the credit card capital one.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, I checked my XXXX XXXX account with Comenity bank and discovered that {$990.00} was added to my account. To say the least, I was appalled! 
As a customer of XXXX XXXX XXXX  XXXX I have paid on my credit card/debt in good faith, consistently beyond the minimum balance, and timely payments. 
This transaction moved the balance from $ XXXX to a total of {$3500.00}. This interest rate charge is not only overwhelming but amounts to predatory lending as well as taking advantage of me as a customer. I state that the interest rate are a excessively high interest and amount to loan flipping. 
On XX/XX/XXXX, I was informed by XXXX Customer Service Manger at Comenity Bank that my account will continue to receive interest rate per month and that she would not adjust or reconsider my request to reduce or waive the gouging interest rate charges. 
I contend that the interest rate charges are predatory lending, unfair, deceptive, or fraudulent practices that take advantage of borrower 's vulnerability, thus, causing me financial harm. This unfair practice in my opinion target specific vulnerable communities or senior citizens, like lower-income or designated minority groups as myself! 
In conclusion, I assert that this action is in violation of the federal consumer protection against predatory lending and the Truth-in- Lending Act ( Regulation Z ), which includes Ability-to-Pay ( ATR ), NCLC 'S Truth in Lending section 9.3.3 . 
I strongly contend, Comenity bank actions of increasing muy loan amount from {$2600.00} to {$3500.00} is a form of gouging and predatory lending. 89 Fed. Reg. 82.938 ( XX/XX/XXXX ). 
Moreover, I contend that Comenity bank actions are in violation of Federal Trade Commission Act Section 5 : Unfair or Deceptive Acts or Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: VA

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Regarding LexisNexis Refusal to Provide a Copy of My CLUE Report Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against LexisNexis Risk Solutions for their repeated failure to provide me with a copy of my CLUE ( Comprehensive Loss Underwriting Exchange ) report, despite multiple requests and the proper submission of required identification documentation. 

Over the past several weeks, I have made several attempts to obtain my CLUE report from LexisNexis. In accordance with the Fair Credit Reporting Act ( FCRA ), I understand I am legally entitled to one free copy of my consumer report per year, upon request. However, despite my efforts, LexisNexis has failed to comply with this obligation. 

I have provided the following documentation as requested : A clear copy of my valid drivers license Copies of recent utility bills as proof of address Personal identifying information sufficient to verify my identity Even after providing all this documentation, LexisNexis has not sent me a copy of my CLUE report, nor have they provided any adequate explanation for the denial. I am now learning that there may be inaccurate or outdated information in my CLUE report, which could be negatively affecting my ability to obtain fair insurance rates. However, without access to the report, I am unable to review or dispute the erroneous information. 

This denial of access to my own consumer report is a violation of my rights under the FCRA. I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate enforcement action to ensure LexisNexis provides me with : A complete and current copy of my CLUE report, and Instructions on how to dispute any inaccurate information contained within it. 

I have retained copies of my correspondence and the documentation I submitted, and I am willing to provide them to the Bureau upon request. 

Thank you for your attention to this matter. I look forward to your assistance in ensuring my consumer rights are upheld. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-25 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: DE

Complaint narrative:
Experian report credit inquiries : XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX  Inquiry date XX/XX/year>, XXXX XXXX Inquiry date XX/XX/year>, XXXX Inquiry date XX/XX/year>XXXX XXXX XXXX Inquiry date XX/XX/year>, XXXX XXXX  Inquiry date XX/XX/year>, and XXXX XXXX XXXX XXXX XXXX XXXX date XXXX XXXX, 2025. 
Transunion report credit inquiries : XXXX XXXX  Inquiry date XX/XX/year>, and XXXX XXXX  via 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 2025-09-25 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: MN

Complaint narrative:
I made an XXXX purchase, and paid with my checking account. I received my goods, and returned one of the two items I got. A few weeks later, I got a collection letter from XXXX XXXX XXXX, informing me of an intent to collect a debt on behalf of XXXX. 

I realized afterward that I mistakenly used an old, closed checking account as my payment method when I made the purchase. 

XXXX credited my account for the amount of the returned merchandise, but insists that I still owe {$32.00} ( {$7.00} for the merchandise I kept, plus {$25.00} fee ). XXXX informed me that the payment processor, TeleCheck, assessed the fee and I needed to speak with them. 

I spoke with an agent who informed me I needed to talk to XXXX to dispute the fee. As of today, XX/XX/year>, I mailed XXXX a check for {$7.00} ( the outstanding balance actually owed for merchandise kept ) but disputed the {$25.00} fee, as I did not approve TeleCheck to provide any kind of overdraft protection. I confirmed with my old bank my account is closed, and they do not contract with TeleCheck. 

I did not authorize XXXX or TeleCheck to provide any kind of overdraft protection. In the event a bank account is closed or has nonsufficient funds, they should decline the payment at the point of sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: FL

Complaint narrative:
The purpose of this communication is to formally dispute the inaccurate information I have identified in my credit history, in accordance with the law 15 U.S.C. 1681c-2, and to demand that the data in question be suppressed or deleted without delay. As support for my claim, I am enclosing a copy of the Identity Theft Report issued to me by the FTC ( FTC REPORT NUMBER : XXXX ). 

As stipulated by law 15 U.S.C. 1681c-2, upon receiving an identity theft report from a consumer, credit reporting agencies have a legal duty to block any data the consumer identifies as resulting from said crime within a period of no more than four ( 4 ) business days. 

The following data appearing in my credit history are the result of identity theft and, therefore, must be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reiterate my formal request for this fraudulent information to be blocked from my credit report immediately. This block must remain active for a period of one year, with the possibility of an extension at my request. During this time, the reporting of any fraudulent information is prohibited. 

I have repeatedly attempted to contact Transunion to report these fraudulent accounts, without obtaining a clear or final resolution to help me solve this problem. This negligence is severely harming me, as I am in the process of purchasing a new home for my children and seeking the financial tools to support my economic growth. The presence of these fraudulent accounts obstructs my opportunities and is causing me both personal and financial damages. 

It is worth noting that other credit reporting agencies have already deleted these same accounts after being unable to validate them, which makes it incomprehensible that your entity insists on attributing ownership of them to me. 

Furthermore, I requested copies of the related contracts from the company that reported them, and more than 60 days have passed without any response. For all the reasons stated, I demand your intervention to have these accounts deleted 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 2025-09-25 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: CBC Companies, Inc.
State: TN

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: M&T BANK CORPORATION
State: MA

Complaint narrative:
Mortgage is through M & T Bank. 
Primary residence is owned by my wife and my mother. I am not on the mortgage but my income goes to pay it. My wife underwent XXXX XXXX two years ago and had a lengthy recovery time during which she could not work and we fell behind on mortgage payments. 
We were initially approved for a loan modification but since my mother ( co-borrower ) lives in XXXX she assigned power of attorney to me to sign the loan modification paperwork. I have emailed power of attorney documentation to the mortgage company repeatedly yet each time they come up with a reason to decline it. 
A ) It needed to be recorded with registry of deeds. 
I had it recorded. 
B ) Theyre saying the text of POA is not in English. I have pointed out the English text is on the very first page of the POA. 
C ) I have repeatedly pointed out the recording info with registry of deeds at XXXX XXXX XXXX in XXXX MA. 
D ) We have been making ALL on time payments since XX/XX/year> as it was a stipulation for approval of loan modification. We qualify for the modification in every way and the new mothnly payment is well within our means. We would easily be able to keep our home if they would simply acknowledge the Power of Attorney agreement.

Because of this

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 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute fraudulent accounts that have been inaccurately reported under my name. These accounts were opened without my knowledge, authorization, or consent, and their presence on my credit report constitutes a violation of 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 explanation
Consumer complaint received 2025-09-25 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation