vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In my XXXX XXXX XXXX statement from XXXX, I was changed a {$30.00} late fee with {$15.00} reduced after I called to talk to them. The late fee was XX/XX/XXXX and the {$15.00} credit was XX/XX/XXXX. The payment was due XX/XX/XXXX. I paid it shortly after midnight XX/XX/XXXX. I thought it unreasonable they wouldn't reimburse the full late fee. The person on the phone said there was XXXX to override it. I never missed a payment before.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Got it Youd like me to create a professional validation request letter to a debt collector that : Disputes the accuracy of how the account is reporting on your credit report References FDCPA ( Fair Debt Collection Practices Act ) laws Requests validation of the debt ( including signed purchase order agreements, contract, or other proof that ties you to the alleged account ) Heres a strong draft letter you can use : -- - Debt Validation & Dispute Letter Your Name Your Address City, State, ZIP Code Date Debt Collectors Name Debt Collectors Address City, State, ZIP Code Re : Account # [ Insert Account Number ] To Whom It May Concern : This letter is being sent in response to your reporting of an alleged debt on my credit report. Please be advised that I dispute the validity of this debt in its entirety and request full validation pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Specifically, I request that you provide the following : 1. The original signed credit agreement, contract, or purchase order agreement that created this debt.

2. A complete payment history, including the chain of title proving your legal right to collect.

3. The name and address of the original creditor.

4. Verification that you are licensed to collect debts in my state.

Until you provide the above documentation, you must cease all collection activities and remove any negative reporting related to this account with all consumer reporting agencies, as unverified debts are not legally enforceable and continued reporting may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ).

Be advised that failure to properly validate this debt, while continuing to report inaccurate information, may result in legal action for violations of the FDCPA and FCRA.

I request that all communication regarding this matter be made in writing only.

Sincerely, [ Your Full Name ] [ Signature ] -- - Tip : Send this certified mail, return receipt requested so you have proof they received it. Keep a copy of everything. 

Would you like me to also make you a credit bureau dispute letter ( Equifax, Experian, TransUnion ) that works alongside this debt collector letter? That way, youre hitting both the furnisher and the credit bureaus at the same time.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding CITIs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with Transunion yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. CITIhas failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. CITI 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 non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, Nelnet sent me a letter stating that while my loans were in XXXX XXXX XXXX XXXX, no interest would accrue and my rate would be 0 %. However, by that date Nelnet was already aware of the XX/XX/year> federal court injunction requiring interest accrual to resume on XX/XX/year>. Despite this, they knowingly issued an inaccurate letter. 

I discovered in XX/XX/year> that interest was accruing on my account. Nelnet never issued me a corrected notice, and I only learned of the change by reviewing my loan account myself. I filed a dispute on XX/XX/year>. Nelnet responded in XXXX, admitting the XX/XX/XXXX letter was inaccurate but refusing to remove the improperly accrued interest or provide any correction. 

At the time, I had just graduated, was unemployed, and awaiting professional licensure. This misrepresentation caused unexpected interest charges and financial harm. I relied on Nelnets written statement and was deprived of accurate and timely information about my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a formally disputing of several fraudulent items on my credit report that are the result of identity theft. Upon obtaining a recent copy of my credit report, I discovered unauthorized fraudulent accounts, personal information and credit inquiries that do not belong to me. 

Enclosed with this letter are the documents supporting my claim, including a Federal Trade Commission ( FTC ) identity theft report. Please note that the FTC identity theft report is legit and accurately reflects the identity theft incident. I request that you do not question its authenticity and use it as grounds to delay investigating and removing these fraudulent items from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), specifically sections 605B 1681C-2 and 611 1681E, you are legally required to BLOCK AND REMOVE the fraudulent information from my credit report within four business days. ON These sections mandate your obligations as a credit reporting agency to protect consumers in cases of identity theft and to promptly investigate and eliminate unauthorized fraudulent 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 non-monetary relief
Consumer complaint received 2025-09-18 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Unauthorized access to my credit report by several companies has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That assurance has not been honored, and the inquiries remain. This failure to act is unacceptable. 

The continued presence of these fraudulent entries is alarming and strongly indicates possible identity theft. This unresolved issue is causing me ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

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 XXXX 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/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXate : XX/XX/XXXX 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 2025-09-18 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: DE

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 : XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX- Account Number : XXXX * * * * * * XXXX, Date Opened : XXXX, Balance : {>= $1,000,000} XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX, Balance XXXX {>= $1,000,000} XX/XX/XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {>= $1,000,000} XXXX XXXX XXXXXXXX - Account XXXX : XXXX * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$2200.00} XXXXXXXX XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX 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, XXXX as proof from the XXXX 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 2025-09-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I made a purchase with my Capital One credit card for a medical procedure on XX/XX/XXXX. Per the providers policy, I was entitled to a refund if my iron levels were too low to safely undergo the procedure. Unfortunately, my iron levels did not improve, and I was medically unable to proceed. 
I requested a refund from the provider, but they refused. I then disputed the charge with Capital One and submitted documentation, including the providers refund policy and medical evidence. Capital One denied my dispute on XX/XX/XXXX, solely because they claimed the time limit for dispute had expired. 
This decision did not consider the merits of the dispute or the fact that the merchant kept funds without providing any service. I believe this outcome is unfair and places me at financial risk for a charge that should have been refunded under the providers own policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX Nc XXXX XXXX XXXX XX/XX/year> Equifax Credit Bureau TransUnion Credit Bureau Subject : * * Dispute of Unauthorized Hard Inquiry * * Dear Sir/Madam, I am writing to formally dispute a hard inquiry on my credit report. After reviewing my recent credit report, I noticed an inquiry from \ [ Company Name ] that I did not authorize or initiate. I believe this inquiry was made in error or without my consent. 

The specific inquiry in question is listed under the following details : * * * Date of Inquiry : * * \ XX/XX/year> ] * * * Creditor Name : * * \ [ XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XX/XX/year> XXXX XXXX XXXX Inquiry Type : * * Hard Inquiry Please investigate this matter and remove the unauthorized inquiry from my credit report. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, and this unauthorized inquiry is negatively impacting my credit score. 

For your reference, I have attached a copy of my credit report highlighting the disputed inquiry and my identification documents to help facilitate your investigation. 

If this inquiry was indeed unauthorized, please ensure that it is removed from my credit file and that a corrected report is sent to me. I would appreciate your prompt attention to this matter and kindly request that you confirm the removal in writing. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MD

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 7 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the
agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-09-18 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: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Upon processing a XXXX payment for website service using PayPal, the website did not authenticate the account and allow to choose an account. PayPal neglected to reverse a dispute and charge the correct account.The specific issue in the PayPal dispute had been neglected. I was not able to choose a payment method. Apparently this wrong payment method that is not my account was charged without my knowledge. This caused 2 additional charges XXXX and XXXX dollars to my XXXX XXXX  account and 2 weeks lost of service. Both XXXX and PayPal are pointing fingers at who is responsible for the processing error. I am at a loss of 2 weeks of service and XXXX dollars in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: NEW CITY FUNDING CORP.
State: NH

Complaint narrative:
i used to have a XXXX XXXX XXXX and we took it back to the dealership they were supposed to sell it instead they sent the repo over

Company response to consumer: Closed with explanation