vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NV

Complaint narrative:
I've had this credit card for a few months now and it's been nothing but problems it's called the bread cash back card from comenity Bank. I had scheduled a payment with the card using some of my rewards points I had about {$45.00}. I redeemed the points and was waiting for it to post to my account. For some reason it did not post my account and my rewards points went negative. When I called them while they had me on the phone they asked me to send them a message with an attachment so they could see what was going on. When I tried to send the attachment it said that the system was not able to accept the attachment. It looks like now that when I paid my credit card it was going to be a late payment which would be an error on their end. Need to resolve this with them so I don't have any negative marks on my credit as I have a good credit score and no negative dings on my credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SECURITY FINANCE CORP
State: MD

Complaint narrative:
XX/XX/year>- XX/XX/year> I tried contacting XXXX XXXX company several times but the customer service said that it will take 2 hours to get someo

ne on the phone. I called again and the customer service said I was the 50 the caller. The automatic caller will not transfer me to a live agent.

Then I can't on the portal because my number has changed so calling customer service have been a complete failure. They do not answer the calls and I began recording this issue because this is serious. XXXXXXXX XXXX need to have their customer service to answer the phone for their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX # XXXX I'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete Account number XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: NV

Complaint narrative:
I have submitted several disputes throughout the course of a year to get the inaccurate and misleading information off of my consumer report. The credit bureaus have been taking LONGER than the timeframe they are aloud to in order to complete the investigations that they need to which is against FCRA Laws. The bureaus continuously undermine me by saying I'm a credit repair company or something about my identity although I provide proof of my State ID and XXXX Passport. I've taken additional steps by sending in an FTC Report, FTC Affidavit ( Notarized ), the General State of Attorney complaint, XXXX complaint, along with proof of my ID 's and address. I've asked the credit bureaus to send proof of investigations by sending me Account Ledgers, the original contracts from the companies, audit trails, and licensing in the state because of the inaccuracies and misleading information on my credit report. The Bureaus HAVE NEVER SENT ME ANY INFORMATION REGARDING PROOF OF INVESTIGATIONS IN A TIMELY MANNER, TAKING LONGER THAN 60 DAYS TO RESPOND TO ME. Pursuant to FCRA 605B ( 15 U.S.C & 1681c-2 ) TRANSUNION Credit reporting agency, block information appearing on my credit report that's the result of inaccurate, false, and misleading information which consists of account XXXX XXXX XXXX Account XXXX opened XX/XX/year>, XXXX Account XXXX opened XX/XX/year> and XXXX Account XXXX XXXX  This also includes 2 separate DEPTEDXXXXT Accounts XXXX, and ALL inquiries listed on my credit report. I demand that the aforemntioned inaccurate items be removed from each of my consumer reports and that all collection activity related to the items cease pursuant to FCRA and FDCPA laws. The credit bureaus have been taking advantage of me and I be pursuing legal action. This has affected me in many ways including being able to find housing, being able to find a good job due to my credit checks from employers, high interest rates, and denied extensions of credit from creditors that I know I am worthy of. I look forward to taking legal action against the credit bureaus.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: MOHELA
State: TX

Complaint narrative:
I am filing this complaint because MOHELA/XXXX  is inaccurately reporting a student loan account on my credit report as active and/or delinquent, even though this loan was included and discharged in my bankruptcy. 
I filed for XXXX XXXX XXXX on XX/XX/year>, and I received a discharge on XX/XX/year>. This loan account was included in the bankruptcy filing, and documentation was provided. Despite the discharge, MOHELA/XXXX continues to report the debt as active and/or past due, which is incorrect.

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide accurate and up-to-date information to the credit bureaus. Reporting a discharged debt as still due or delinquent is misleading and harmful to my credit standing.

Furthermore, this may also constitute a violation of the Bankruptcy Code 's discharge injunction ( 11 U.S.C. 524 ( a ) ( 2 ) ), which prohibits creditors from attempting to collect on discharged debts, including through coercive or misleading credit reporting.

I have attempted to resolve this issue directly with the servicer and the credit bureaus, but the inaccurate information remains. I am requesting that the CFPB require MOHELAXXXX to : Correct the credit reporting to show that this loan was discharged in bankruptcy. Cease any further misreporting of this discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because XXXX is inaccurately reporting a student loan account on my credit report as active and/or delinquent, even though this loan was included and discharged in my bankruptcy. 
I filed for XXXX XXXX bankruptcy on XX/XX/year>, and I received a discharge on XX/XX/year>. This loan account was included in the bankruptcy filing, and documentation was provided. Despite the discharge, XXXX continues to report the debt as active and/or past due, which is incorrect. 
This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide accurate and up-to-date information to the credit bureaus. Reporting a discharged debt as still due or delinquent is misleading and harmful to my credit standing. 
Furthermore, this may also constitute a violation of the Bankruptcy Code 's discharge injunction ( 11 U.S.C. 524 ( a ) ( 2 ) ), which prohibits creditors from attempting to collect on discharged debts, including through coercive or misleading credit reporting. 
I have attempted to resolve this issue directly with the servicer and the credit bureaus, but the inaccurate information remains. I am requesting that the CFPB require XXXX to : Correct the credit reporting to show that this loan was discharged in bankruptcy. 
Cease any further misreporting of this discharged debt.

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 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX is inaccurately reporting a student loan account on my credit report as active and/or delinquent, even though this loan was included and discharged in my bankruptcy. 
I filed for XXXX XXXX bankruptcy on XX/XX/year>, and I received a discharge on XX/XX/year>. This loan account was included in the bankruptcy filing, and documentation was provided. Despite the discharge, XXXX XXXX XXXX report the debt as active and/or past due, which is incorrect. 
This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide accurate and up-to-date information to the credit bureaus. Reporting a discharged debt as still due or delinquent is misleading and harmful to my credit standing. 
Furthermore, this may also constitute a violation of the Bankruptcy Code 's discharge injunction ( 11 U.S.C. 524 ( a ) ( 2 ) ), which prohibits creditors from attempting to collect on discharged debts, including through coercive or misleading credit reporting. 
I have attempted to resolve this issue directly with the servicer and the credit bureaus, but the inaccurate information remains. I am requesting that the CFPB require XXXX to : Correct the credit reporting to show that this loan was discharged in bankruptcy.

Cease any further misreporting of this discharged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this complaint because XXXX is inaccurately reporting a student loan account on my credit report as active and/or delinquent, even though this loan was included and discharged in my bankruptcy. 
I filed for XXXX XXXX  bankruptcy on XX/XX/year>, and I received a discharge on XX/XX/year>. This loan account was included in the bankruptcy filing, and documentation was provided. Despite the discharge, XXXX continues to report the debt as active and/or past due, which is incorrect. 
This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to provide accurate and up-to-date information to the credit bureaus. Reporting a discharged debt as still due or delinquent is misleading and harmful to my credit standing.

Furthermore, this may also constitute a violation of the Bankruptcy Code 's discharge injunction ( 11 U.S.C. 524 ( a ) ( 2 ) ), which prohibits creditors from attempting to collect on discharged debts, including through coercive or misleading credit reporting. 
I have attempted to resolve this issue directly with the servicer and the credit bureaus, but the inaccurate information remains. I am requesting that the CFPB require XXXX to : Correct the credit reporting to show that this loan was discharged in bankruptcy.

Cease any further misreporting of this discharged debt.

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 2025-05-04 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am writing to formally dispute the presence of unauthorized credit inquiries listed on my credit report. After reviewing my credit file, I have identified the following inquiries which I did not initiate, authorize, or give permission for. These inquiries were made without my knowledge or consent, and I did not apply for credit with the companies associated with them. 

Under the Fair Credit Reporting Act ( FCRA ), only inquiries made with my express authorization and for permissible purposes may appear on my credit report. I respectfully request that these unauthorized inquiries be investigated and permanently removed from my credit file to ensure the accuracy and integrity of my credit history.

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 2025-05-04 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: KEYCORP
State: OH

Complaint narrative:
KeyBank claims validation for several accounts ( letters dated XX/XX/XXXX and XXXX, 2025 ), but both are tied to fraudulent identity theft activities. They failed to investigate my fraud claim ( FTC Report # XXXX ) and provided no original documentation, violating FCRA 1681s-2 ( b ). 
XXXX is collecting a {$12000.00} KeyBank debt ( XX/XX/XXXX letter ) without validation, tied to a fraudulent entity. They ignored my fraud claim ( FTC Report # XXXX ), violating FDCPA 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: FIRST PORTFOLIO SERVICING INC
State: GA

Complaint narrative:
This company Revvi I have not been paying the credit card bill because of unforeseen circumstances and hardships I have been in it is hard to actually reach out because I can not understand what they are saying it is never a American talking to you I have to keep repeating or sometimes even hang up because I do not understand I have been in and out of work struggling car break downs XXXX and XXXX I have not been making the payments on the card but the interest and late fees are ridiculous and are unlawful I know the card should be closed by now but they are still adding to the bill it has gone from XXXX to XXXX and this is ridiculous XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
please delete my inquiries on my credit report that would like 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 2025-05-04 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Check systems, LEXIS-NEXIS core logic. XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX. 


They are reporting an accurate information on check systems, LEXIS-NEXIS, core logic, I dispute the validity of the debt of both accounts. Im requesting validation made pursuant to the fair debt collection practices act Please note that I am requesting validation that is competent evidence, bearing my signature showing that I have or ever had some contractual obligation to pay you FDCPA~807 15 SC 1962 e therefore, if you can not validate that you must request that all credit reporting agencies delete the entry failure to respond in 30 days of this certified letter with the CFPB and Better Business Bureau will result in small claims legal action 15 USC 1681 5~2 a1Aa FCRA as defined by IRS the IRS considers a charge off to be income either as gross or ordinary income like this doesnt belong on a credit report so this information on check system XXXX XXXX logic is in accurate and unlawful pertaining to the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: OH

Complaint narrative:
FCRA 605B, 611, and 1681i Formal Legal Notice and Demand for Immediate Deletion, Verification Proof, and Suppression of Fraudulent Account You are hereby formally notified, under federal law, of a fraudulent account being reported on my credit file. This is not a request. This is a legal demand for immediate action under the Fair Credit Reporting Act ( FCRA ).

Pursuant to FCRA 605B, you are legally obligated to block and remove this account within four ( 4 ) business days of receiving this notice. Failure to comply would constitute a direct violation of federal lawnot a discretionary oversight. This account is not only inaccurateit is fraudulent, and your continued reporting of it constitutes a deliberate violation of your duty to report only accurate, verified data.

Under FCRA 611 and 1681i, any attempt to verify this account must be supported by formal, sworn documentationsigned, dated, and originating from the original creditor. Internal notes or unverifiable data will be treated as an outright violation of FCRA obligations. Reproducing unverifiable data does not constitute verificationit is a violation of your obligations under FCRA 1681i ( a ) ( 1 ) ( A ) and 611, which require you to conduct a reasonable reinvestigation and ensure the accuracy of information.

If you fail to act within the required timeframe, I will proceed with formal complaints to the CFPB, FTC, and my state Attorney General, and I am fully prepared to pursue legal litigation in U.S. federal court for willful noncompliance and statutory damages. You are on notice. Govern yourself accordingly. 
Creditor Name : XXXX XXXX XXXX Account Number : XXXX Date Opened:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
am filing this complaint to dispute an inaccurately reported late payment on my credit report by JPMorgan Chase. I enrolled in a XXXX XXXX XXXX with Chase on XX/XX/XXXX, as a proactive measure to resolve my balance and avoid derogatory credit reporting. 

Per the terms of the payment plan, I submitted a payment as instructed on the same day, XX/XX/XXXX. It was communicated to me by Chase representatives that this plan would help bring my account current and prevent any negative impact to my credit report. 

However, despite adhering to the agreement and making the scheduled payment, I received an email from Chase dated XX/XX/XXXX, stating that my account was past due. This was confusing and contradicted the understanding I had when entering into the payment plan. 

Since then, I have made multiple efforts to correct this issue directly with Chase. Despite those attempts, the late payment continues to be reported on my credit report, even though this account is shared and the negative mark has been removed from my co-account holders report. The inconsistency only further highlights the inaccuracy of this reporting. 

I respectfully request that the CFPB assist in investigating this matter and ensure that JPMorgan Chase corrects this inaccurate reporting. I am asking for a goodwill or factual correction, as I acted in good faith to resolve the matter through the payment plan provided by Chase, and I have been transparent and communicative throughout the process. 

Attached are : Confirmation of payment plan enrollment Proof of payment made on XX/XX/XXXX The XXXX email indicating past due status My recent credit report showing the late payment Thank you for your time and assistance in resolving this issue fairly and promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I am filing this complaint regarding an issue with my Venmo account, which was recently frozen due to an alleged outstanding debt of {$95.00}. I believe this situation is the result of an error or potential fraud, and I am being unfairly held responsible. 
I have not made any purchases or authorized any transactions on my Venmo account since XX/XX/XXXX. XXXX day, I logged into my account and noticed that someone I do not know had sent me {$100.00}. The payment was placed on hold, so I assumed it was some sort of mistake or would be resolved on its own. I did not even see the money in my account and thought nothing of it at the time. 
About a month later on XX/XX/year> XXXX, I discovered that Venmo had paid {$95.00} toward a transaction I did not authorize. They apparently took the {$5.00} that was still in my account and paid the remaining {$95.00}, putting my account into debt. I now owe {$95.00}, which I do not believe is fair the dispute was put in that same day. 
It appears that the {$100.00} initially sent to me may have been reversed or charged back by the sender whom I do not know and never interacted with. I was not involved in this transaction in any way, did not request the money, and had no prior knowledge of the person who sent it. I suspect this may have been a scam or fraudulent action, and I do not understand why I am being held liable. I believe I am being unjustly penalized for something completely outside of my control. 
Thank you for your time and assistance.

Company response to consumer: Closed with non-monetary relief