vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
XXXX  / My PlaceRWDS THIS IS A FRAUD ACCOUNT THAT POP BACK UP AFTER BEING REMOVED I DEMAND FOR THIS COMPANY AND THE CREDIT BUREAUS TO STOP REPORTING FRAUDULENTLY ACTIVITY ON MY CONSUMER REPORT THATS DAMAGING MY FINANCIAL HEALTH To : Equifax XXXX XXXX XXXX XXXX. Box XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Demand for Immediate and Permanent Removal of Fraudulent Account XXXX XXXX XXXX XXXX To Whom It May Concern, I am a victim of identity theft, and I am formally demanding the immediate and permanent removal of the fraudulent account listed as XXXX XXXX XXXX XXXX  from my consumer credit report. 

This account was opened and reported without my knowledge, consent, or authorization. I have already notified the company that this account is fraudulent, and I have stated clearly that I do not recognize or owe any debt related to it. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681c-2 and 15 U.S.C. 1681i, you are required to : XXXX. Block and delete this fraudulent account from my credit file within XXXX ( XXXX ) business days of receiving this letter, as mandated under the FCRA. 
XXXX. Ensure that this account is never reinserted into my credit report without full compliance with the reinsertion procedures outlined in 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

This fraudulent account is causing ongoing harm to my credit profile and financial opportunities. I expect written confirmation from your office that this account has been completely removed and permanently blocked from my credit report. 

Failure to comply with this request will result in me filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and pursuing all available legal remedies. 

Attached is a copy of my government-issued identification and proof of address to assist in verifying my identity. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Penn Credit Corporation
State: AZ

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Regarding Multiple Unauthorized Debts and Credit Reporting Errors Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint regarding several unauthorized accounts that have been falsely reported under my name and are damaging my credit profile. Despite never agreeing to or initiating any of these debts, I am being held responsible for balances I did not incur. I have made multiple attempts to resolve these matters directly with the companies involved and the credit bureaus, but I have received no resolution. 

Below is a summary of the accounts in question : XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXX - Balance : {$4100.00} - Issue : Unauthorized line of credit account I never applied for or consented to. 

XXXX. XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX  ) - Account Ending : XXXX - Balance : {$660.00} - Issue : I never had an account with XXXX XXXX XXXX. This debt is unfamiliar and unverifiable. 

XXXX. XXXX XXXX XXXX XXXX  Account Number : XXXX - Date Opened : XX/XX/XXXX - Issue : I did not finance a vehicle through this company. The account is closed, but reporting negatively. 

XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX  ) - Balance : {$420.00} - Issue : I never had an XXXX utility account under my name. This appears to be an error or fraudulent assignment. 

XXXX. XXXX XXXX XXXX XXXX XXXX - Balance : {$550.00} - Issue : I have no knowledge of receiving treatment from XXXX XXXX  and was never billed. 

These accounts are not only unauthorized, but they also appear to have been reported and collected without proper investigation or consent. I believe these actions may violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Requested Resolution : - Immediate investigation and deletion of all inaccurate and unauthorized accounts listed above. 
- A cease and desist on all collection efforts regarding these accounts. 
- Correction of my credit reports with all major credit bureaus. 
- Written confirmation of deletion and correction from each involved company. 
- Any damages or reimbursement where appropriate for harm done to my credit standing and financial stability. 

Please find my contact information above. I am prepared to provide additional documentation or identification if needed. Thank you for your attention to this matter. I appreciate your support in resolving these fraudulent and damaging issues. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Rocket Mortgage, LLC
State: WA

Complaint narrative:
I have had this mortgage since XX/XX/XXXX and never missed a payment nor been late. In XX/XX/XXXX I received notification of a late mortgage payment. However the XXXX payment, due XX/XX/XXXX, was received by Rocket Mortgage ahead of deadline on XX/XX/XXXX. I contacted customer service and was told the payment was received but I underpaid - paid {$3100.00} instead of the required amount of {$3200.00}. The payment had increased beginning in XX/XX/XXXX due to an increase in the escrow amount. On XX/XX/XXXX I paid {$260.00} to close the gap  and pay the late fee. Beginning with the XX/XX/XXXX payment, I paid {$3200.00} on XX/XX/XXXX, I received another notification the XX/XX/XXXX payment was not received. I called Rocket Mortgage and was told because I made 2 payments in XXXX that caused the XXXX payment ( made XX/XX/XXXX ) to be applied to principle only. A misapplication reversal was done to correct the error but I was still required to pay a late fee even though the payment was made several days early and the error was made by Rocket Mortgages system. I continued making mortgage payments before the deadline ( XXXX paid XX/XX/XXXX, XXXX paid XX/XX/XXXX ). The issue happened again where the XXXX payment was incorrectly classified as principle only, but no explanation other than the system misclassified the payment again. I called again to have the issue resolved and once again I was charged a late fee. I received yet another notification that the XXXX payment had not been received even though transaction history showed it was paid XX/XX/XXXX. I completed a 2 year comparison of my banks payment records against the transaction history in my Rocket Mortgage account to make sure I was not wrong and every payment matched, delivered early, and at the correct amount. Rocket Mortgage completed the misapplication reversals on XX/XX/XXXX but still charged a late fee despite confirming the payment was made early. I have continued to pay my mortgage on time and at the required amount ( XXXX paid XX/XX/XXXX, XXXX paid XX/XX/XXXX, XXXX paid XX/XX/XXXX, XXXX paid XX/XX/XXXX ) but continue to receive notifications every month of payments being late and late fees continue to accrue. This is ruining my decades of excellent credit ratings, not to mention the XXXX, frustration, and wasted time trying to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
Ive added new found information further validating that I am a victim of identity theft and my information has literally been involved in numerous data breaches including that of the XXXX  one and Ive fraudulently been added to unauthorized authorized user accounts for multiple credit cards! I will attach the new found information and proof solidifying that theses inaccurate remarks on my credit report is indeed fraudulent and verifiably not mines. As stated in my last report, my information was also once coincided with someone as the same name as me. Any address on my report that is not on my ftc report or identification is not mines and needs to be removed as well! My rights have been violated and any data furnisher permitting to publish this fraudulent, inaccurate information is going against my federal consumer rights, according to FCRA & XXXX compliance. 
This is my final notice, all of my supporting documents will be attached along with my new updated FTC report, etc XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Ive added new found information further validating that I am a victim of identity theft and my information has literally been involved in numerous data breaches including that of the XXXX  one and Ive fraudulently been added to unauthorized authorized user accounts for multiple credit cards! I will attach the new found information and proof solidifying that theses inaccurate remarks on my credit report is indeed fraudulent and verifiably not mines. As stated in my last report, my information was also once coincided with someone as the same name as me. Any address on my report that is not on my ftc report or identification is not mines and needs to be removed as well! My rights have been violated and any data furnisher permitting to publish this fraudulent, inaccurate information is going against my federal consumer rights, according to FCRA XXXX XXXX compliance. 
This is my final notice, all of my supporting documents will be attached along with my new updated FTC report, etc XXXX 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 2025-08-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
This complaint involves XXXX, operated by PayPal , Inc . 
I am a XXXX  account holder, and my account has been frozen without clear explanation. I have contacted XXXX  support multiple times, but I have been told I can not unfreeze the account and they will not return my funds. I have not received a written notice explaining the reason for the freeze, the length of the hold, or a specific release date for my money. 

My account has no unauthorized transactions, no pending disputes, and no violations of XXXX user agreement that I am aware of. Holding my funds indefinitely without explanation is causing significant financial hardship. 

I am requesting that XXXX  : 1. Provide a written explanation of the account freeze, including the specific violation or reason. 
2. Immediately release my funds or provide a definite release date.

3. Ensure compliance with applicable banking and payment regulations regarding timely consumer access to funds.

This withholding of funds without proper notice or access appears to be an unfair and potentially unlawful practice, and I am requesting urgent review and resolution

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
I reported fraud on my Affirm account on XXXX XXXX2025! No one listened to me and allowed {$1000.00} fraudulent transactions on my account after I reported fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: FL

Complaint narrative:
Upon review of my credit report, I noticed that this account is being reported as a charge-off month after month for an extended period, specifically on Equifax. This violates the Metro 2 credit reporting format and the Fair Credit Reporting Act ( FCRA ), which both stipulate that a charge-off is a one-time event, not a recurring delinquency that can be reported repeatedly to further damage a consumer 's credit standing.

Reporting a charge-off every month is misleading and inaccurate. It artificially inflates the negate impact of the account an fails to accurately reflect the historical status of the account. This tactic is not only unfair but also non-compliant with federal credit reporting laws and guidance from the Consumer Financial Protection Bureau.

Because of this, I'm asking that this XXXX XXXX XXXX  account be removed completely from my credit report. Please investigate it and delete it if it can't be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/year>, I paid my Comenity Bank credit card in full on the due date. Less than one week later, on XX/XX/year>, Comenity charged {$4.00} in interest on a XXXX balance account. 

I have spoken to multiple Comenity Bank representatives and managers about this. Each time, I made it clear that the charge was disputed and that my account was paid in full by the due date. At no point did Comenity send me any written acknowledgment of my dispute, as required under the Fair Credit Billing Act.

Rather than correcting this clear error in XXXX, Comenity escalated the matter by : * Adding late fees and additional interest for months on a charge that never should have existed. 
* Continuing to contact me repeatedly about the disputed balance.

* Reporting inaccurate negative information to the credit bureaus, in violation of the Fair Credit Reporting Act ( FCRA ). 

Comenitys justification of this charge as being within the allowable time frame is inaccurate and misapplies the Truth in Lending Act ( TILA ) Regulation Z grace period, which prohibits interest when the statement balance is paid by the due date.

This situation began with a {$4.00} mistake and has now resulted in harassment, unnecessary escalation, and damage to my credit profile all without any proper dispute handling or resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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: TN

Complaint narrative:
I am formally disputing the accuracy and completeness of the following negative information currently appearing in my TransUnion credit file. This dispute is made under my rights pursuant to the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), the Gramm-Leach-Bliley Act ( GLBA ), and Metro 2 compliance standards XXXX 
Disputed Items : XXXX. XXXX XXXX XXXX XXXX Collection Account XXXX. XXXX Hard Inquiry dated XX/XX/XXXX XXXX. XXXX XXXX XXXX Inquiries dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX Hard Inquiry dated XX/XX/XXXX Legal Basis for Removal : 15 U.S.C. 1681c-2 ( FCRA 605B ) : You must block and remove information identified as the result of identity theft or unverified reporting once notified. The accounts and inquiries listed above are unauthorized and lack proper verification.

15 U.S.C. 1692g ( FDCPA ) : Debt collectors must provide proper validation of debt before reporting or continuing collection activity. No lawful debt validation has been provided for the listed collection.

FCRA 605 ( c ) ( 1 ) : Outdated, unverifiable, or inaccurate information must be promptly deleted from a consumer file.

15 U.S.C. 68016802 ( GLBA ) : You must protect my nonpublic personal information and refrain from reporting it without my consent unless it is accurate, complete, and verifiable.

15 U.S.C. 1666b : Requires proper posting and application of payments ; inaccurate delinquency reporting violates this section.

Metro 2 Compliance Standards : The reporting of these accounts/inquiries fails to meet the Consumer Data Industry Associations Metro 2 format for accurate, complete, and timely credit data reporting.

Required Action : I am demanding the immediate deletion of all the above-referenced items from my credit report. Please conduct a full reinvestigation in compliance with 15 U.S.C. 1681i and provide : 1. The method of verification used for each disputed entry.

2. The name, address, and telephone number of each furnisher that reported the disputed data.

3. Copies of all documentation you relied upon in your investigation.

If you can not provide proper verification within 30 days of receipt of this letter, you are required to delete the items from my file immediately. Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General for violations of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-09 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:
A XXXX charge-off account ( balance {$23000.00}, closed XX/XX/XXXX ) was previously disputed and removed from my Equifax credit report. On or about XX/XX/XXXX, Equifax reinserted the account without providing the written notice required within 5 business days under FCRA 611 ( a ) ( 5 ) ( B ).

This reinsertion was done without providing any verification or supporting documentation from the furnisher, as required by FCRA 611 ( a ) ( 1 ) and 607 ( b ). The tradeline is now reported only by Equifax not by XXXX or XXXX and contains inaccurate late payment reporting after the account was closed, creating a false impression of ongoing delinquency. 

Equifaxs actions have caused a credit score drop of over XXXX points, denials of credit, financial harm, and reputational damage. This represents willful and negligent noncompliance under FCRA 616 and 617.

I have written Equifax demanding deletion, the date of reinsertion, the furnishers contact information, and the documentation used to verify the account. No lawful reinsertion notice or evidence has been provided to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-10 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: IN

Complaint narrative:
I recently pulled my credit report and noticed multiple fraudulent inquiries that I have no knowledge of. These inquiries need to be removed immediately. This is one of many attempts to remove these unauthorized inquiries. Please help me get these take care of immediately. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-09 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: TN

Complaint narrative:
I recently reviewed my credit report and noticed an inquiry that I did not give expressed written consent to or authorize any third party agency to furnish data on the following account and I have the right to privacy, please be reminded, no consent is IDENTITY THEFT. 

1. XXXX XXXX/2025 I AM DEMANDING THIS ACCOUNT BE REMOVED IN 2 BUSINESS DAYS.

Thank you for your compliance.

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