vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
Because of a data breach that compromised my personal information, fraudulent accounts have been placed on my credit report. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-04 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:
I used a 0 % APR deferred interest promotion on my Payboo credit card for a purchase made through XXXX & XXXX XXXX. I believed the promotional period ended on XX/XX/year>, but it actually ended on XX/XX/year>. 

I consistently made on-time payments throughout the promotional period and had every intention of paying off the balance within the 0 % timeframe. Upon realizing my mistake, I paid the entire remaining balance of {$990.00} on XX/XX/year>. 

After making the full payment, I noticed I had been charged over {$900.00} in interest. I immediately contacted customer service via their online messaging system and then followed up with a phone call. I explained the misunderstanding and requested a one-time courtesy waiver, given my on-time payment history and the fact that the balance was paid in full as soon as I realized the timing error. 

The company declined to remove or reduce the interest charges, citing the end of the promotional period. I am requesting that this charge be waived based on my good-faith effort to meet the terms of the promotion and my immediate payment once the mistake was identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, XXXX XXXX Subject : Formal Complaint Regarding Unlawful Credit Reporting Practices by ConServe Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against ConServe who is inaccurately and unlawfully reporting a derogatory item on my credit report. This negative account is causing serious and ongoing harm, including the denial of credit opportunities and interference with securing housing for me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXXXXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3900.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$810.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$3000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
On XX/XX/year> I contacted this company by phone and requested this information in regards of the debt of {$690.00} that they have reported to the transunion, equifax and experian. Can I please receive the following information : 1- Flow of agreement 2- Transfer of assignment bill 3- Bill of sale 4- Original contract 5- Has this debt been securitized?

You can email this information. 

Further information should be sent by mail. 

Please verify the mailing address you have on file for my account. 

Thank you! 
XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
After a careful review of my credit files, I have identified several errors, inconsistencies and missing data regarding my student loans, which I previously brought to the attention of the credit bureau in XX/XX/scrub>XXXX 2025 and XX/XX/scrub> 2025 without resolution. Such as differing payment amounts, dates, or statuses between the agencies, Incorrect payment history, Loan balances not updated, missing information like deferment status/date, original creditor etc. Given that they are aware of these inaccuracies and are continuing to report this information, I am requesting the immediate deletion of the student loan records related to these discrepancies from my credit file. Continuing to report such misinformation causes unjust harm to my credit score and may prevent me from obtaining credit. The Accuracy Requirement ( Section XXXX ) and Dispute Resolution ( Section XXXX ) has been violated.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
After a careful review of my credit files, I have identified several errors, inconsistencies and missing data regarding my student loans, which I previously brought to the attention of the credit bureau in XX/XX/scrub>XXXX 2025 and XX/XX/scrub> 2025 without resolution. Such as differing payment amounts, dates, or statuses between the agencies, Incorrect payment history, Loan balances not updated, missing information like deferment status/date, original creditor etc. Given that they are aware of these inaccuracies and are continuing to report this information, I am requesting the immediate deletion of the student loan records related to these discrepancies from my credit file. Continuing to report such misinformation causes unjust harm to my credit score and may prevent me from obtaining credit. The Accuracy Requirement ( Section XXXX ) and Dispute Resolution ( Section XXXX ) has been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Capio Partners, LLC
State: TX

Complaint narrative:
I've been keeping up with my credit report for a little over a month now and recently noticed my dept jump significantly the report didn't specify what the amount was originally from so I called XXXX XXXX directly to find out and was told they sent the information to the wrong address and if I wanted any more information I would have to pay a fee I asked there isn't any way I can just know what it's for and was told they can not unless I pay the fee I am completely lost as to what it's for and why I have not been notified about the collection and it is prohibiting for moving further with my life with the derogatory mark it has left on my credit I do not believe it's mine and they will not give me information for me to figure out what it is and where it came from my credit says it was opened in XXXX of XXXX but just appeared on my credit in the last month I have not been emailed called or text about the collection by the collector so I can only assume it's fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Like with our mortgage payment, car insurance payment, and other monthly payments, my wife created an electronic payment for American Express from our XXXX XXXX XXXX Account on the date our payment was due, and prior to XXXX EST ( XXXX XXXX XXXX ). ALL of our other payments created and processed in the same manner go through and get posted the SAME DAY. The ONLY merchant ( or payee ) that did NOT process the payment on the same day was American Express. They posted our payment LITERALLY at XXXX ON THE BUTTON the NEXT day so that they could charge us a late fee AND finance charges on the principal amount. I called AMEX and they said they could waive the Late Fee, but there was nothing that they could do about the XXXX. I even spoke to a " Supervisor '' in Customer Service, yet they said the payment was late. I argued it WASN'T late, you just held it and MADE IT LATE. All my other payments that we do that way get received and posted the SAME DAY... all but YOURS! And yet they chose to do nothing but waive the LCs, saying I still owed the FCs. As a note, this was my very first monthly statement from them after having signed up for the card to get Delta Skymiles. My mistake. Now I am wondering if there's an attorney out there that would wish to serve as the lead in a Class Action lawsuit. I am CERTAIN I am not the only person they have done this to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Re : 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
Re : 15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability.

I address this significant repeating concerns regarding the accuracy of my credit report Still failure to positively comply these accounts evidences and continuing hurting my ability to obtain credit.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence.

15 U.S. Code 1681n Civil liability for willful noncompliance and 15 U.S. Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability In multiple violations and Im entitled to monetary compensation under FCRA 15 U.S.C. 1681i ( 6 ) Notice of Results of Reinvestigation. ( A ) In general. A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( I ) a statement that the reinvestigation is completed

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently received notification that my personal information was impacted by a data breach involving your company. According to your communication, I am eligible for Assisted Identity Restoration Services through Experian, under engagement number XXXX. 

However, I was also informed that the deadline to file an Extended Claims Period claim expired on XX/XX/2024. I was unaware of this breach or the settlement terms prior to now. As a result, I was denied the opportunity to properly protect myself or seek compensation in a timely manner. 

This is deeply concerning, especially considering that I am now experiencing credit-related issues that may be directly linked to the exposure of my data. I did not choose to have my personal information compromised, and I should not be penalized for discovering the breach after your arbitrarily imposed deadline. 

I am therefore requesting the following, effective immediately : Full access to credit monitoring and identity theft protection services, regardless of the claims deadline.

A written explanation of what personal data was exposed and for how long.

Assistance with disputing or correcting any negative credit entries tied to this breach.

Confirmation that my right to further action, including legal recourse, remains intact.

I reserve the right to escalate this matter to the FTC, CFPB, and seek legal counsel if my concerns are not addressed appropriately.

Please respond within 10 business days with next steps. I expect a timely and thorough resolution.

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 2025-06-04 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: CA

Complaint narrative:
am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} Inquiries XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00} Inquiries XXXX XXXX XXXX Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this formal complaint against Truist Bank for failure to investigate and correct multiple unauthorized transactions and identity theft incidents tied to my business checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I reported unauthorized and fraudulent transactions to Truist on multiple occasions between XXXX and XX/XX/year>, including a check fraud event involving a forged check made payable to XXXX XXXX XXXX on or around XX/XX/year>. Despite these notices, Truist never responded in writing, never conducted a proper investigation, and instead closed my account and charged off over {$930.00} without resolving the core identity theft issues. 
On XX/XX/year>, Truist issued a collection letter falsely alleging that I had overdrawn my account and failed to respond. This letter makes no reference to my fraud claims, disputes, or prior notices. This constitutes clear violations of the Fair Credit Reporting Act ( FCRA ) and failure to flag and investigate under the red flag rules ( FACTA ). 
I was never provided with : Any results of Truists investigation A copy of the allegedly forged check Any notice that Truist conducted even a basic review of my prior complaints I believe Truist is in violation of : FCRA 1681s-2 ( a ) ( 3 ) Failing to report disputed info correctly FCRA 1681s-2 ( b ) Failing to conduct a reasonable investigation FACTA Failure to implement fraud detection and response procedures As a result of their negligence, I have suffered : Loss of access to my business bank account Exposure to XXXXs and other databases Business interruption and reputational harm I demand : Immediate removal of the {$930.00} charge-off Deletion of any negative XXXX  or third-party reporting A written acknowledgment that this was a fraud-related event A full investigation report and resolution letter I am attaching the XXXX XXXX XXXXXX/XX/year> final letter as Exhibit A to prove the institution failed to address any of my prior fraud notices.

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 2025-06-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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