vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies and inconsistencies that appear on my TransUnion, Equifax and Experian credit report, specifically regarding my Department of EducationXXXX ( DPT EDXXXX ) student loan accounts. This dispute is submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S. Code 1666 concerning the correction of billing errors, 15 U.S. Code 1666a regarding restrictions on creditors during disputes, FCRA 611 ( 15 U.S.C. 1681i ) concerning the investigation of inaccurate information with credit bureaus, FCRA 623 ( a ) ( 2 ) regarding the duty of furnishers and credit reporting agencies to correct and update information, FCRA 605 ( a ) on reporting obsolete or misleading information, and FCRA 609 ( 15 U.S.C. 1681g ) which ensures my right to full disclosure of information contained in my credit file. These legal provisions grant me the right to a fair and accurate credit reporting process, and the current reporting of my DPT ED/XXXX accounts clearly violates these protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX XXXX XXXX XXXX # XXXX - Date Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  XXXX XX/XX/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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am disputing a debt that I did not open or authorize. An account was opened fraudulently in my name with XXXX on or about XX/XX/year>. I did not apply for, use, or benefit from this account. No payments were ever made by me. 

The account was later charged off and transferred to Midland Credit Management, who is now attempting to collect and is reporting the account on my credit reports. I notified Midland Credit Management in writing that this account is the result of identity theft and requested verification and investigation. On or about XX/XX/year>, Midland responded stating they believed their records were accurate and requested additional documentation. 

I am submitting this complaint and identity theft report because this is an attempt to collect a debt I do not owe and the account is the result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: VA

Complaint narrative:
I am submitting this follow-up complaint to formally dispute and demand the immediate and permanent removal of multiple inaccurate, misleading, and unauthorized items that continue to appear on my credit reports with Experian, Equifax, and TransUnion. Despite prior disputes, these items remain reported and continue to harm the accuracy and integrity of my credit file, my creditworthiness, and my ability to obtain fair financial opportunities. The continued reporting of these items constitutes ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

First, the account XXXXXXXX XXXX XXXX XXXX is incorrectly reported as a charged-off account with a balance of {$0.00} across all three credit bureaus. This reporting is misleading and unverifiable, particularly in the absence of a required 1099-C, and violates FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681c-2, and FCRA 607 ( b ). The presence of this account falsely portrays my credit history and must be permanently removed from Experian, Equifax, and TransUnion. 

Similarly, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with a balance of {$10000.00} across all three bureaus, which does not accurately reflect my obligations and can not be properly verified. Reporting this account with inaccurate balance information misrepresents my financial standing and violates the same FCRA provisions cited above. This account must also be fully and permanently removed from all credit reports. 

In addition to the inaccurate accounts, my credit reports contain numerous unauthorized and unverifiable hard inquiries that were not initiated or approved by me. These inquiries lack permissible purpose and violate FCRA 604 ( a ), 604 ( f ), and 619. The continued reporting of these inquiries falsely inflates my credit activity and causes measurable harm. 

The unauthorized inquiries requiring removal include, but are not limited to : Experian : 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 Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX None of these inquiries have been verified as having a lawful or permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am submitting this follow-up complaint to formally dispute and demand the immediate and permanent removal of multiple inaccurate, misleading, and unauthorized items that continue to appear on my credit reports with Experian, Equifax, and TransUnion. Despite prior disputes, these items remain reported and continue to harm the accuracy and integrity of my credit file, my creditworthiness, and my ability to obtain fair financial opportunities. The continued reporting of these items constitutes ongoing violations of the Fair Credit Reporting Act ( FCRA ). 

First, the account XXXXXXXX XXXX XXXX XXXX is incorrectly reported as a charged-off account with a balance of {$0.00} across all three credit bureaus. This reporting is misleading and unverifiable, particularly in the absence of a required 1099-C, and violates FCRA 611 ( a ), FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681c-2, and FCRA 607 ( b ). The presence of this account falsely portrays my credit history and must be permanently removed from Experian, Equifax, and TransUnion. 

Similarly, the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is reported with a balance of {$10000.00} across all three bureaus, which does not accurately reflect my obligations and can not be properly verified. Reporting this account with inaccurate balance information misrepresents my financial standing and violates the same FCRA provisions cited above. This account must also be fully and permanently removed from all credit reports. 

In addition to the inaccurate accounts, my credit reports contain numerous unauthorized and unverifiable hard inquiries that were not initiated or approved by me. These inquiries lack permissible purpose and violate FCRA 604 ( a ), 604 ( f ), and 619. The continued reporting of these inquiries falsely inflates my credit activity and causes measurable harm. 

The unauthorized inquiries requiring removal include, but are not limited to : Experian : 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 Equifax : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX None of these inquiries have been verified as having a lawful or permissible purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
I am being charged a {$4.00} " processing fee '' to make car note payments to Bridgecrest online using a debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: CL Holdings LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXXXXXX XXXX XXXX [ XXXX XXXX XXXXXXXX ] [ XXXX ] Date : [ XX/XX/year> ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX ] Re : Cease and Desist Alleged Account # [ Account Number, if known ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified that you must immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties. You may only contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of any specific legal action you intend to take. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a formal demand that you comply with federal law. If you fail to comply with this request, I will document all violations and may pursue remedies available under federal and state law. Please govern yourself accordingly. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent Midland Credit Management a written debt validation and cease-and-desist request via USPS Certified Mail. The request demanded strict validation under the Fair Debt Collection Practices Act, including proof of ownership, a copy of the original signed agreement, a complete payment history, and the date of last activity.

Midland Credit Management has failed to provide the requested validation and has not produced any documentation establishing that the debt is accurate, legally owed, or that they have the authority to collect it. Despite this failure, the account continues to be reported to the credit bureaus.

Reporting an unvalidated debt constitutes improper collection activity and inaccurate credit reporting. I dispute the validity of this account in its entirety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Revolut Technologies Inc.
State: UT

Complaint narrative:
am filing a complaint regarding Revoluts handling of a card dispute that was improperly declined during the initial assessment stage. 

Revolut accepted my dispute on XX/XX/XXXX and showed in-app that it was in preparation to be raised to the merchant. However, the dispute was declined on XX/XX/XXXX before any merchant escalation or representment occurred. 

Revolut initially stated the decision was based on evidence provided by the merchant, but later confirmed the dispute was closed at the initial assessment stage, indicating no merchant evidence or escalation occurred. 

The dispute was misclassified as used services without establishing that the service was functional, accessible, or rendered. A service that fails due to technical malfunction or inaccessibility should not be treated as used. 

I have submitted a formal complaint directly to Revolut ( case number XXXX ), which they acknowledged on XX/XX/XXXX. Their final response is pending. I am requesting CFPB review of the procedural handling, classification error, and inconsistent explanations provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
[ XXXX XXXX XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX [ Holiday, XXXX XXXXXXXX ] [ XXXX ] Date : [ XX/XX/2025 ] [ LVNV funding LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ] Re : Cease and Desist Alleged Account # [ Account Number, if known ] To Whom It May Concern, I am writing to formally request that you cease and desist all communication with me regarding the above-referenced alleged debt. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ), you are hereby notified that you must immediately stop all forms of communication with me, including but not limited to telephone calls, letters, emails, text messages, or communication through third parties. You may only contact me to : 1. Confirm that you will comply with this request, or 2. Notify me of any specific legal action you intend to take. This letter is not an acknowledgment of liability, nor is it a refusal to pay. It is simply a formal demand that you comply with federal law. If you fail to comply with this request, I will document all violations and may pursue remedies available under federal and state law. Please govern yourself accordingly. Sincerely, [ XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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:
CFPB COMPLAINT CREDIT REPORTING & DEBT COLLECTION Companies involved Equifax Credit Collection Service XXXX ( Original Creditor ) What happened? 
I am filing this complaint regarding the inaccurate and unlawful reporting of an insurance collection that does not represent a valid debt. 
A collection account for {$570.00}, reported by XXXX XXXX XXXX and attributed to XXXX XXXX XXXX, appears on my Equifax credit report. This account is inaccurate and unsupported by any legitimate billing or proof of debt. 
I was a XXXX customer for approximately 20 years. My policy was administratively terminated due to missing underwriting information, not for nonpayment. I have written documentation from XXXX confirming this administrative cancellation. The notice contains no invoice, no balance due, and no demand for payment. 
Despite providing this documentation, Equifax claims the account was verified as reported. However, Equifax did not obtain or require : A final premium invoice A billing ledger from XXXX Proof of an amount owed Any contract or accounting substantiating a {$570.00} balance Equifax merely updated cosmetic fields such as status date and balance date, which does not constitute a reasonable reinvestigation. 
XXXX XXXX XXXX continues to report and attempt to collect an insurance debt that never existed, and XXXX has failed to correct or withdraw the inaccurate information being furnished on its behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Old complain no XXXX Reason for New Complaint / Unsatisfactory Response I am submitting this complaint because the banks response to my prior CFPB complaint was unsatisfactory and failed to address my core concerns. 

At the time of purchase, I was informed that this was a 0 % promotional financing plan. Neither the store nor the bank disclosed deferred interest, post-promotion interest, or any future finance charges. I did not knowingly or willingly agree to any interest-bearing terms. 

The banks response relies on generic claims that statements were sent, but does not provide proof that I received any notice that the promotional period was ending. I never received an email, letter, phone call, text message, or alert informing me that interest would be applied. A silent statement is not meaningful notice, especially when the charges are substantial. 

Additionally, the retail store where the purchase was made has permanently closed and filed for bankruptcy, leaving me with no ability to verify or dispute what was represented at the point of sale. I relied in good faith on the stores promise of 0 % financing and on the banks obligation to provide clear, timely disclosure.

The interest charges were applied without my informed consent, which is unfair and misleading. The banks response failed to explain why proper disclosure and notification were not provided and did not address my request for removal of these charges.

I am again requesting : Full removal of all interest and related fees Correction of my account balance Assurance that no negative credit reporting will occur I respectfully request CFPBs further review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
I did not receive any formal notice from U.S. Bank that my credit card account was at risk of closure. The only written correspondence I received was dated XX/XX/year>, regarding my checking account, warning that a {$15.00} maintenance fee would begin because my credit line had been closed. This was my first alert that my credit card account had been closed without my knowledge, leaving me with no opportunity to prevent the closure. I am attaching this letter to demonstrate the lack of advance notice and that I discovered the closure entirely by chance. 

I promptly contacted U.S. Bank on three occasionsXXXX XXXX by phone, and XX/XX/XXXX by phone and in person at my local branchto request a courtesy reinstatement to preserve my 15+ year credit history. Despite U.S. Banks internal policy allowing reinstatement within 30 days for inactivity closures, all requests were denied and not escalated. The only option offered was to open a new credit line, which would require a new application and likely a hard inquiry on my credit report.

As a result, I lost a longstanding account that materially contributed to my credit history, potentially harming my credit profile. The lack of notice, coupled with the refusal to honor or clearly explain the banks policy, raises serious concerns about inconsistent application and unfair treatment of consumers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
The company is charging me for transactions that were fraudulent, and as a result, it incurred overdraft fees. Now they are reporting it to my credit report, causing damage to my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: Klarna AB
State: CA

Complaint narrative:
I purchased XXXX shoes using Klarnas Pay in 4 service and fully paid the order. I returned the shoes to XXXX, and XXXX issued a refund to Klarna. 

Despite my original bank account being active, unchanged, and in good standing, Klarnas system converted the refund into Klarna credit and applied it to other balances on my account without my authorization.

I contacted Klarna via their app and requested a manual refund to my bank account. They replied that the refund could not be linked to my original payment plan and that the automated system could not be changed. Klarna acknowledged the issue and assigned complaint ID XXXX, but the refund has still not been returned to my bank account. 

This is a technical error on Klarnas side and does not relieve them of the obligation to return my funds to my original payment method, as required under Pay in 4 refund policy.

I have attached proof.

Company response to consumer: Closed with explanation