vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XXXX my spouse and I took a loan in order to consolidate and close several credit card accounts. This account was a XXXX XXXX account managed by Comenity Bank. 

On XX/XX/year>XXXX  I went online and paid the balance of my account. The online service showed the balance was XXXX $ On XX/XX/year>XXXX  I signed into the account to ensure it was still at {$0.00} Balance. The balance was reported as XXXX so I did not return to the account until XX/XX/year>XXXX  after receiving a message form another bank that Comenity was reporting me past due {$100.00} After reviewing the account activity online, I found the following : XX/XX/year> the account payment of XXXX making balance XXXX $ XX/XX/year> An interest of {$30.00} was applied to the account XX/XX/year> a late fee of XXXX was applied to the account XX/XX/year>XXXX  an interest fee of {$2.00} was added to the account XX/XX/year> a {$37.00} late fee was added to the account making the balance {$100.00} I called the customer service rep and she asked for a payment of {$43.00} which she said would make me ok. I refused payment and asked to talk with a supervisor. 
The supervisor informed me that in order to clear this up I needed to pay the balance due and an additional XXXX $ min interest in order to close the account. That all the activity was because interest was incurred after the balance was paid in full. I disputed the interest added on the XXXX since I had paid the balance in full. But I offered to pay only the interest ( {$30.00} ) to resolve the dispute but that I disagreed with all the additional fees since I did pay the balance in good faith. She said it what is past is past and that she could not accommodate that request. At that point I told I refused to pay her on the phone and that I would be filing a complaint. As I see it when I paid the account in full and the online page showed a XXXX balance I no longer had a balance with the account. At that point I was no longer responsibility for payments unless I used the account. 
in my opinion they failed to inform me of the interest and instead continued to add additional fees. And when I offered to pay the XXXX interest, they refused to waive any of those fees. 

Since I always stay in good faith I have since paid the account once again in full today. the balance of {$100.00}. I would have applied a potential XXXX XXXX  minimum interest fee but the online pay service would not allow payment greater than the balance. I can only assume so they can ensure there is a new balance to hit customers assuming they have been paid in full with next month. 

With the interest these banks and companies it amazes me they would give me trouble over fees they added. It certainly is poor customer service and unfair practice.

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

Complaint narrative:
I reviewed my ChexSystems Consumer Report and identified areas for dispute. I was very upset upon discovering these fraudulent accounts, unauthorized transactions and inaccurate information ; thus, I demand that it be resolved in a fair andequitable manner that it be investigated and, if necessary, be corrected or removed.

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 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Novo Platform Inc.
State: FL

Complaint narrative:
Fecha del incidente : Saturday, XX/XX/year> Nombre del banco/entidad : Novo Platform Inc . 
XXXXXXXX XXXX XXXXXXXX : Business Checking Account Eagle Statewide Insurance Descripcin XXXX XXXX : On XX/XX/year>, my business account was suddenly placed under review by Novos banking partner, and since then Ive been unable to access or transfer any funds. I urgently need access to my companys funds to pay insurance agent commissions before XX/XX/XXXX. 

Novo has not provided any explanation, documents requested, or estimated timeframe for resolution. This situation is causing financial harm to my business operations and employees. 

I am requesting immediate assistance to have my account review completed or temporary access granted to process payroll obligations. 

What I would like to happen : Please require Novo or its partner bank to clarify the reason for the account review, provide a clear timeline, and release or allow limited access to my business funds to meet contractual payment obligations. 

Business contact information : XXXX XXXX XXXX XXXX XXXX Statewide Insurance Email : XXXX Phone : XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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

Complaint narrative:
THIS COMPANY JUST KEEP REPORTING INACCURATE INFORMATIONON MY CONSUMER REPORTS AFTER IVE SHOWED PROOF OF FRAUD THEY KEEP BREAKING THE LAW FOR MONEY

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

Complaint narrative:
My only info should be : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FL XXXX ss # XXXXXXXX XXXX  Place of employment : XXXX XXXX XXXX XXXX Other info should be removed to avoid identity theft. 
I have received request for loans and schools that I have not requested.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XXXX I was leaving the local XXXX store. While putting items in my car a man approached me saying that I dropped something. I told him I didnt, but he kept distracting me. I got in my car and drove home. Later that evening, I discovered that my debit card was missing. I checked my bank account and noticed 4 unauthorized withdrawals from my checking account from Chase bank ATMs. This totaled {$1800.00}. I immediately called the Chase fraud department and was told I would be reimbursed the whole {$1800.00} by the next day. This reimbursement did occur. Then without ANY notice on XXXX I had an alert on my phone that I was overdrawn over {$700.00} on my checking account. I checked my online banking account and saw that Chase reversed the money, all {$1800.00} back. When I called Chase they said I would have to prove that I did not make the original withdrawals from XXXX. I wanted Chase to check their cameras, but they said privacy laws prohibited this action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-11 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: NJ

Complaint narrative:
Despite multiple disputes, this inaccuraries continues to be reported. There is no indication the data furnisher met their duty to ensure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

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 2025-11-11 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: SC

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because all three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting inaccurate, inconsistent, and impossible information regarding a XXXX XXXX account that was closed and charged off in XXXX. 

I have disputed this account multiple times, yet the bureaus continue to verify information that is demonstrably false. 

The account was closed/charged off in XX/XX/XXXX, but the bureaus are reporting : New late payments in XXXX, XXXX, XXXX, XXXX, and XXXX New past-due amounts in XXXX Multiple charge-off statuses for multiple years Conflicting payment histories across all three bureaus Balance changes on a closed, charged-off account Re-aging of debt beyond legally allowed timeframes These actions violate : FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( B ) FCRA 623 ( a ) ( 1 ) ( A ) A charged-off account can not continue updating late payments, past-due balances, or monthly CO statuses after closure.

It also can not legally show different histories with each bureau. 

I am demanding : 1. A full reinvestigation 2. Written verification from XXXX showing how each bureau verified the reported data 3. Immediate deletion of this account from all bureaus if they can not produce legally valid documentation The information being reported is inaccurate, inconsistent across bureaus, and damaging to my credit. I am requesting your assistance to correct this serious violation of the Fair Credit Reporting Act.

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

Complaint narrative:
I am filing this complaint because all three credit bureaus ( TransUnion, Experian, and Equifax ) are reporting inaccurate, inconsistent, and impossible information regarding a XXXX XXXX account that was closed and charged off in XXXX. 

I have disputed this account multiple times, yet the bureaus continue to verify information that is demonstrably false. 

The account was closed/charged off in XX/XX/XXXX, but the bureaus are reporting : New late payments in XXXX, XXXX, XXXX, XXXX, and XXXX New past-due amounts in XXXX Multiple charge-off statuses for multiple years Conflicting payment histories across all three bureaus Balance changes on a closed, charged-off account Re-aging of debt beyond legally allowed timeframes These actions violate : FCRA 602 ( A ) FCRA 607 ( B ) FCRA 611 ( B ) FCRA 623 ( a ) ( 1 ) ( A ) A charged-off account can not continue updating late payments, past-due balances, or monthly CO statuses after closure.

It also can not legally show different histories with each bureau. 

I am demanding : 1. A full reinvestigation 2. Written verification from XXXX showing how each bureau verified the reported data 3. Immediate deletion of this account from all bureaus if they can not produce legally valid documentation The information being reported is inaccurate, inconsistent across bureaus, and damaging to my credit. I am requesting your assistance to correct this serious violation of the Fair Credit Reporting Act.

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

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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-11 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 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that youhave ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: AR

Complaint narrative:
On my credit report, the XXXX XXXX account was reported inaccurately, and the credit bureau failed to properly investigate my dispute. I submitted a written dispute by certified mail requesting a reinvestigation of the XXXX XXXX tradeline and asking for verification documents, the method of verification, and confirmation of how the information was validated under FCRA 611. 

Experian/Equifax did not provide any verification documents and did not explain their method of verification. They simply marked the account as verified without correcting the inaccurate information. XXXX XXXX closed my account without proper notice and reported it in a way that damaged my credit standing. I requested clarity regarding why the account was closed as credit grantor closed account and asked the bureau to confirm whether XXXX XXXX provided documentation supporting that status. 

The credit bureau did not provide the information I requested, did not fix the inaccurate reporting, and did not conduct a meaningful reinvestigation. This failure violates the Fair Credit Reporting Act because a reasonable reinvestigation was not performed, and no supporting information was provided to justify the continued reporting of the derogatory tradeline.

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 2025-11-11 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Your bureau is continuing to report inaccurate and unverifiable information on my credit report despite previous disputes. This repeated failure to maintain accurate reporting is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. 1681e ( b ), you must follow procedures to ensure maximum possible accuracy of the information you report. Your continued negligence is unacceptable and unlawful. 

I demand the immediate removal or correction of all inaccurate information on my credit report. Failure to comply will leave me no choice but to escalate this matter, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursuing all legal remedies available under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
My mortgage payment was sent through XXXX XXXX XXXX on XXXX XXXX first. 
Vystar Credit Union still have not applied my payment for my mortgage. This is an ongoing issue with Vystar applying my mortgage payment. 
I emailed them four times with no resolution. Every few months Vystar will not post my payment unless I do a formal complaint.

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 2025-11-11 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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