vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
On XXXX XXXX there were fraudulent charges from XXXX marketplace on my checking account-I went to bank personally and told them that the charges were not from me-at that time I was issued a new debit card and the charges were taken XXXX which is XXXX XXXX the financial institution said that they considered the charges valid and they would be deducted from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: MD

Complaint narrative:
In XX/XX/, I was charged a {$30.00} late fee by Bread Cashback American Express Card for a payment posted after XXXX. On XX/XX/XXXX, I called Bread Financials customer service and was assured by the agent that the late fee would be waived. I followed up twice ( on XX/XX/XXXX and XX/XX/XXXX ), and each time was told by customer service that the late fee would be permanently removed and my balance was {$0.00}. 

Despite these assurances, I have since received two new bills by email showing only the late fee as my balance due. I am currently XXXX XXXX and unable to access my account online because the companys verification system will not send a code to my email, and I can not receive U.S. text messages. I have no way to resolve this through their website or app because I can not log in. 
I believe this is a billing error under the Fair Credit Billing Ac
t. I am requesting that Bread Financial remove the late fee, confirm my balance is {$0.00}, and ensure there is no negative impact on my credit. I am happy to provide supporting documentation or call logs if requested.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: DC

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC XXXXb. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am disputing the Portfolio Recovery Associates collection account on my credit report. This debt does not belong to me. I did not open or agree to this account, and I believe it is the result of identity theft. I have asked the debt collector for proof, but no signed contract, agreement, or documents have been provided. 

Under 15 U.S.C. 1681i ( FCRA ), you must investigate, verify, and fix or delete any information that can not be proven accurate. Under 15 U.S.C. 1692g, a debt collector must show full validation when requested. No proof has been given. 

This reporting also breaks Metro 2 reporting standards, which require information to be complete, accurate, and verifiable. Reporting a debt without proper validation is a Metro 2 violation. 

I am asking for the following : Provide proof of the account, including any original contract with my signature, application, statements, and all records. 

If you can not verify with documentation, remove this Portfolio Recovery Associates account from my credit report immediately. 

Send me written results of the investigation. 

If proof can not be shown, you must delete the account as required by law. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
I am the XXXX XXXX at a small non-profit XXXX XXXX XXXX One of our employees had a debt issue with a XXXX XXXX XXXX. I believe they sold information to UCB ( United Collections Bureau. This is not my issue and I continually receive multiple calls at various times of the day. 

I do not answer any of these calls but continue to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Apparently Recruiters are Using the Equifax Work Number to screen people for employment. Only XXXX of my mant jobs ahows on this report and its from XX/XX/XXXX. How is this allowed? This number is some nonsense calculated by Equifax with obviouly incomplete information and I didn't even know about it until a colleague was complaining she was refused fro a job because this is being used for employmeny verification!!!! 

Its not even mandatory participation for a business and now people are being denied housing, loans and employment because a " work number '' is incorrect? 

What even is this?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Imprint Payments, Inc.
State: FL

Complaint narrative:
I made a furniture purchase from XXXXXXXX XXXX XXXXXXXX in XXXX XXXX, delivered in the fall. Interest free financing for a year applying for their credit card ( and maybe it was even two years, but I planned to pay off in a year ). Paying this off monthly, no problem. XXXX XXXX XXXX then changed to a new credit card and there were issues that took a lot of time to resolve when they transferred my pmts and then charged erroneous late fees and interest becuase of their system transfer. XXXX that resolved. Then, on XXXX XXXX XXXX, went back to XXXX XXXX XXXX XXXX for a promotion of 20 % rewards for card holders. Bought {$2700.00} worth of products, which I'd need to pay off immediately so as not to interfere with the financing on my orignal purchase. To be sure I was doing it correctly, since no one in-store knows about these cards, I had a looooong phonecall with Imprint credit card co ( XXXX ) the morning of XX/XX/XXXX. This is the morning after my 2nd purchase. I did as XXXX recommended. Made XXXX payment to completely pay off the {$2700.00} purchase and then a XXXX of {$110.00} to post against my ongoing interest-free financing. I was confident XXXX was giving me good info since he double checked. What neither XXXX or I anticipated is that Imprint would receive my pmts and not post them. They show in my bank acct as received/posted XX/XX/XXXX and XXXX for XX/XX/XXXX due date, but not on my Imprint statement. According to customer service just now, it takes XXXX days for them to post ( even tho my bank shows them as having the money ). I'm very skeptical about thisXXXX  So, after XXXX hours again on the phone with a customer service person now, her solution is " call again to see if we can work with you to adjust the 33 % interest fees and late charges. '' All this tho my bank shows the money was received by Imprint. This all feels very scammy to me, and if it doesn't easily shake out ( I've now spent about 8 hours between calls on the phone ), I'll feel I just have to pay off all of it. Something wrong with all this and that that credit cards are permitted to do this to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
A debt from DEPTEDXXXX is being reported, but I have not received the documentation necessary to verify that this debt is accurate or legally mine. No signed agreement, statements, or itemized accounting of the balance has been provided. Without proper validation, I can not verify its accuracy, and the reporting may be incorrect.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
( XXXXXXXX XXXX XXXXXXXX : XXXX ) I am submitting a formal complaint against National Credit Systems ( NCS ) for violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). My lease at The XXXXXXXX XXXX XXXXXXXX XXXX ended on XX/XX/year>. I returned the apartment in excellent condition and later received a letter claiming a balance of {$760.00}. When I visited the apartment office, the current manager explained that it was an error by the previous management, who was fired for theft and caused problems for several residents. They assured me they would verify the debt and contact me, but they never did. I am confused about who actually owns the debt : XXXX XXXX XXXX XXXXXXXX XXXX says the debt was sold, but provided no documents ; XXXX  states that they are a third-party collection agency. XXXX reported the debt to the credit bureaus ( XXXX  XX/XX/year> ; XXXX  XX/XX/year> ; XXXX  XX/XX/year> ), adjusting the balance to {$87.00} without sending any documentation to support this amount. After disputing the debt, the only response was a letter with no attachments or evidence, which violates the FDCPA and FCRA. 
I also request that all communication regarding this matter be sent to my email : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC XXXX ( b ) and 15 USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I am filing a complaint regarding unauthorized charges made by TSYS/XXXX XXXXXXXX  to my business bank account. 

My business stopped using TSYSXXXX more than two years ago. My merchant account has been completely dormant with no processing activity whatsoever. Despite this, TSYS continued to withdraw monthly fees from my bank account ranging from approximately {$200.00} to over {$900.00}, totaling {$7800.00} between XX/XX/XXXXXXXX  and XX/XX/XXXX, even though no services were used. 

On XX/XX/XXXX, I spoke with a TSYS representative named XXXX XXXX, who confirmed that my account was dormant and that it needed to be closed. He stated during that call that the account would be closed. At that time, I also requested a complete statement history, but he was only able to provide statements from XX/XX/XXXX through XX/XX/XXXX, even though the account had been dormant longer than that. 

Despite being told the account was closed, TSYSXXXX made another unauthorized withdrawal of {$450.00} on XX/XX/XXXX. This charge occurred after the representative confirmed closure of the account. 

On XX/XX/XXXX, I emailed TSYS requesting all statements dating back to XX/XX/XXXXXXXX  and written confirmation of the account closure. I have never received a response, nor have they provided the requested statements. Because the account has been closed, I can no longer access their portal to obtain older statements myself. 

These charges were not authorized purchases. They were fees assessed on a dormant, unused, and now closed merchant account. I have already disputed the XXXX and XXXX charges with my bank and requested that future withdrawals be blocked. 

I am requesting assistance obtaining : A full refund review of all charges made on this dormant account A reversal of the XX/XX/XXXX unauthorized charge A complete statement history from XX/XX/XXXXXXXX  through account closure Written confirmation that the account is permanently closed TSYSXXXX has continued to charge my account without authorization, has not responded to my requests for documentation, and charged me again even after confirming the account was closed. I need CFPB assistance to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: VA

Complaint narrative:
My loan was originally through XXXX XXXX. They sold my account and it transferred to Westlake Financial in XXXX of XXXX. At that time, Westlake Financial reflected a past due balance of {$56.00} that they stated was from a partial payment to my previous company XXXX XXXX. XXXX XXXX told me that is incorrect and I had no balance that was unpaid nor any late fees. They sent this information to Westlake Financial. In addition, I submitted my bank statements reflecting that I paid my full balance every month. I have been fighting with Westlake Financial to correct my account since XXXX of XXXX. They have told me they have the information and will correct my account, but as of today, they have not. When I call, I have to start everything over from the beginning and no one communicates with each other nor calls me back and I have been hung up on a few times. They still are showing the balance due of {$56.00} with no corrections, despite my numerous calls and emails. In addition, my monthly payment is {$470.00}, yet my statements ONLY reflect the {$56.00}. I need help to get this resolved, it's unprofessional and ridiculous that I am 5 months in and there is no correction to my account. This affects my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
here are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I am the victim of identity theft, and Experian is reporting both an inaccurate credit tradeline and inaccurate personal address information, even after I submitted full identity-theft documentation. 

I provided Experian with : An FTC Identity Theft Report ( Report # XXXX ) FTC Report Experian A written XXXX request for blocking identity-theft information Proof of identity A dispute demanding a manual reinvestigation and a full Method of Verification ( MOV ) Non Compliant Letter Experian Experian has failed to delete the fraudulent tradeline and has also failed to delete the incorrect address. Both items were clearly identified in my FTC report as not belonging to me.

This violates FCRA 605B, 611, and 607 ( b ).

Inaccurate/Fraudulent Tradeline Experian is reporting a cr

edit account that : I did not open I did not authorize Does not belong to me Is documented as identity theft in the FTC report Under FCRA 605B, Experian is required to block and delete identity-theft-related information within four business days. They did not comply.Experian is also reporting a wrong address that I have never lived at. 
This inaccurate personal identifier was also included in my identity-theft documentation.

When I attempted to dispute the incorrect address, Experian improperly refused to process the dispute, which violates : FCRA 611 ( a ) ( 1 ) ( A ) Duty to reinvestigate disputed information FCRA 607 ( b ) Duty to ensure maximum possible accuracy FCRA 611 ( a ) ( 2 ) Obligation to accept disputes A credit bureau can not legally refuse a dispute of personal identifying 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