vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I entered a hardship agreement with Comenity in XXXX due to financial hardship. This agreement was made by phone and set up {$75.00} automatic payments. The agreement clearly stated that if a payment was missed, the arrangement would be canceled and the account would revert to the original minimum payment terms. I missed a payment during the plan, which ended the agreement and at that point, all terms, including the automatic withdrawal authorization, should have ended. 

However, XXXX continued to auto-debit {$75.00} from my bank account from XX/XX/XXXX through XX/XX/XXXX without my consent or a valid agreement in place. In their XXXX XXXX XXXX, they falsely claimed I had authorized these payments, but my original agreement was limited and expired. I was never notified of a new agreement or terms and never gave updated consent for these debits. 

They also reported the account as charged off in XX/XX/XXXX, but then reversed finance charges and reinstated interest while still collecting monthly payments. After I filed my initial complaint in XXXX, my credit report was updated with retroactive derogatory marks, including for months when I made payments. I believe this was retaliatory. 

XXXX actions appear to violate federal law, including Regulation XXXX ( XXXX ), by continuing to take unauthorized payments after a voided agreement. They also misrepresented my payment behavior to credit bureaus and failed to cancel auto-payments despite repeated notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On XX/XX/2025, I made a credit card purchase from XXXX for an item described as being in very good condition. When the item was received, it did not match the description. The handles were significantly distorted, the structure was compromised, and the item could not be opened with one hand, indicating a functional defect beyond normal wear or creasing. 
I contacted the merchant and provided photo and video evidence of the condition. In chat correspondence, the merchant acknowledged the issue, stated that a refund was issued, and later confirmed that my account was restricted due to the dispute. No refund was received. 
I filed a billing dispute with Barclays Bank Delaware on XX/XX/2025, for an item not as described. Barclays declined the dispute based on the merchants normal return or final sale policy, without addressing the merchants misrepresentation exception, the functional defect, or the evidence provided. The dispute was not evaluated under a significantly not as described standard. 
When I attempted to re-dispute and submit additional documentation, including photo and video evidence and the merchants checkout language stating that items which arrive damaged, defective, or not as described are always free to return, Barclays document upload portal malfunctioned and rejected valid files, preventing full submission of supporting documentation during the re-dispute process. 
I am requesting review of whether Barclays conducted a reasonable investigation and appropriately applied dispute standards for an item that was not as described.

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 2025-12-14 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: IL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime placed a hold on my account in XXXX  for not identifying my information. When I sent in the identifying information, my account was closed and my money was not returned. All information matched the information on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-12-14 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Chase Bank stated that it had canceled a check order. Chase Bank then proceeded with it charging XXXX. That amount at least is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/year> I applied for the Chase XXXX card with benefits which were given to me on a XXXX flight from the XXXX ( two lounge passes and XXXX bonus miles with a $ XXXX spent ). 
I activated the card as soon I received it in XX/XX/year> and started using it as part of my XXXX wallet. After XXXX + transactions the card was all of the sudden flagged by the security team at Chase when I was on a business trip in Virginia and tried to pay the vendor {$1400.00} in addition to the {$1700.00} already paid in two transactions. When I called the XXXX  dept not only I was disrespected but give XXXX  excuses why the transactions did not go through which ultimately points to the bank interfering with my business. When the transactions were not processed I was not contacted to my valid phone number listed on the account and it seems that the special promotion code that was included in the application was also not processed. As of today I received no two lounge passes which should have been sent to me either to my email or my address ( I preferred hard copies sent to my mailing address ). Again when contacting Chase I was told that it is a responsibility of United Airlines to deliver the passes and since I did not disclose my mileage # ( I actually did on the application as XXXX XXXX ) the order for these passes were not processed. The US representative of the Chase also made a statement signaling that the bank has a very lax security procedures as giving me a statement that my card was " not properly activated '' when in fact it was. So in other words the if the card was not properly activated why was it allowed to be used as part of the XXXX wallet not to mentioned a variety of retail purchases? It seems that the both the Chase customer service and security dept is completely out of control and they will make up the reasons why the card is allowed to be used/unused based on some kind of defective algorithm. Or worse the Chase Bank uses its line of credit which is a credit card to interfere with its customer base businesses. I am saying this as member in good standing that pays the credit card bills on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year>, a {$50.00} charge appeared on my PayPal Credit Card account from XXXX. I did not make this purchase or authorize it with my PayPal Credit Card. This is an unauthorized transaction. I received an email from Synchrony Bank confirming the charge, even though I made no attempt to use this card. I request reversal of the charge and confirmation that my account is secure against further unauthorized use.

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 2025-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Early Warning Services, LLC
State: IN

Complaint narrative:
On XX/XX/year>, my XXXX checking account was compromised due to unauthorized access and fraudulent transactions. I did not authorize these transactions and was the victim of account theft. As a result of the fraudulent activity, my account balance was driven into the negative. 

Despite the account being compromised through no fault of my own, XXXX allowed the fraudulent activity to post, and the account was later closed by XXXX while showing a negative balance that resulted solely from the unauthorized transactions. 

I was not informed that this account closure or negative balance would be reported to Early Warning Services ( EWS ) or any banking-risk database. I also was not provided clear notice that this reporting would impact my ability to open future bank accounts. 

Over the following year, I began experiencing multiple bank account denials without explanation. Only later did I discover that XXXX had reported negative and/or risk-related information about me to Early Warning Services, stemming from the XX/XX/year> account compromise. 

I was the victim of fraud, yet I am being treated as a financial risk due to Chases reporting. This inaccurate and unfair reporting has caused ongoing harm, including denial of access to basic banking services. 

I am requesting that XXXX correct or remove any negative reporting related to this compromised account, and that any information furnished to Early Warning Services or similar systems be updated to reflect that the account activity resulted from identity theft and unauthorized transactions, not misconduct on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Veros Credit, LLC
State: GA

Complaint narrative:
These debt collectors have engaged in abusive, deceptive, and unfair practices in violation of the Fair Debt Collection Practices Act ( FDCPA ). Specifically, they failed to follow the legally required five-step debt validation process, denying me my right to proper notice and verification, which constitutes an unfair and unlawful practice. Under the FDCPA, I am entitled to up to {$1000.00} per violation, and these actions represent clear violations of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-14 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: NJ

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 XXXX 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 2025-12-14 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:
After reviewing the updated credit file from Experian Report Number : [ XXXX ] dated XX/XX/year>, Your files reflect this, with notations such as Reinvestigation Info This item remained unchanged from our processing and Completed investigation of FCRA dispute consumer disagrees. Despite that, these tradelines still contain inaccurate and/or internally inconsistent information.

Written results of your reinvestigation for each account.

The name, address, and phone number of each furnisher you contacted ; and Method of Verification used An updated copy of my credit report reflecting all corrections and deletions.

Specifically, the following accounts continue to report inaccurately XXXX XXXX XXXX -COLLECTION # XXXX Proof from dunning letter states XXXXXXXX XXXX XXXX stated they were attempting to collect a debt for XXXX XXXX 
1. Reporting a third-party debt collector as the owner of a debt when not ownership exist is a material misrepresentation of the legal status of the account and does not meet the FCRAs requirement of maximum possible accuracy under 15 U.S.C 1681e ( b ). The furnisher of this account is inaccurately reporting itself as the/creditor of the debt.

Under the Fair Credit Reporting Act ( FCRA ), you are required to : Report only information that is accurate and not materially misleading, and Conduct a reasonable reinvestigation of disputed information, not merely repeat whatever the furnisher provides when clear internal inconsistencies exist on the face of the report. 
1. Reinvestigate each of the above accounts, 2. Correct any and all inaccuracies and internal inconsistencies 3. Delete any tradelines that can not be verified as complete and accurate.

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 2025-12-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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 XXXX 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 2025-12-14 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: MA

Complaint narrative:
On [ date ], I submitted a complete identity theft report to Transunion regarding a fraudulent account that resulted from identity theft. 
My submission included all materials required under 15 U.S.C. 1681c-2 ( a ) : An identity theft report ( police report and/or FTC Identity Theft Affidavit ) Proof of identity Proof of address A written statement that the account resulted from identity theft and was not opened or authorized by me Despite receipt of a complete identity theft submission, Transunion failed to block the reporting of the fraudulent account within four business days, as required by federal law.

Instead, Transunion improperly initiated a reinvestigation under 15 U.S.C. 1681i, stating that it would conduct a 30-day investigation.

Under 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity-theft-related information within four business days once a complete identity theft report is received, unless the agency has a reasonable belief of misrepresentation. 

Transunion did not provide any written notice of refusal, any claim of misrepresentation, or any explanation justifying failure to block.

This constitutes a failure to comply with the Fair Credit Reporting Act.

What I want : Immediate blocking and deletion of the fraudulent account Written confirmation that the account has been blocked pursuant to 15 U.S.C. 1681c-2 ( a ) Correction of my credit report to reflect the removal of identity-theft-related information

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 2025-12-14 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: MA

Complaint narrative:
On [ date ], I submitted a complete identity theft report to Transunion regarding a fraudulent account that resulted from identity theft. 
My submission included all materials required under 15 U.S.C. 1681c-2 ( a ) : An identity theft report ( police report and/or FTC Identity Theft Affidavit ) Proof of identity Proof of address A written statement that the account resulted from identity theft and was not opened or authorized by me Despite receipt of a complete identity theft submission, Transunion failed to block the reporting of the fraudulent account within four business days, as required by federal law.

Instead, Transunion improperly initiated a reinvestigation under 15 U.S.C. 1681i, stating that it would conduct a 30-day investigation.

Under 15 U.S.C. 1681c-2 ( a ), a credit reporting agency must block identity-theft-related information within four business days once a complete identity theft report is received, unless the agency has a reasonable belief of misrepresentation. 

Transunion did not provide any written notice of refusal, any claim of misrepresentation, or any explanation justifying failure to block.

This constitutes a failure to comply with the Fair Credit Reporting Act.

What I want : Immediate blocking and deletion of the fraudulent account Written confirmation that the account has been blocked pursuant to 15 U.S.C. 1681c-2 ( a ) Correction of my credit report to reflect the removal of identity-theft-related information

Company response to consumer: Closed with explanation