vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am disputing the XXXXComenity Capital Bank account ending in XXXX as identity theft and unauthorized. I submitted an identity theft dispute, and Comenity responded to CFPB, but they did not conduct a lawful reinvestigation under the Fair Credit Reporting Act.

Comenity failed to comply with FCRA 623 ( b ) ( furnisher duties to investigate ) and FCRA 605B ( identity theft blocking requirement ).

In their response, Comenity only provided : generic billing statements a boilerplate credit card agreement internal account summaries None of these documents verify my identity or prove that I opened or authorized this account.

Comenity failed to provide : a signed application IP address or device ID used to open the account authentication/identity verification records fraud investigation documents evidence that I authorized any transactions Billing statements do not prove identity, do not prove authorization, and can not be used as verification under FCRA when identity theft is claimed.

Under FCRA 605B, once a consumer submits an FTC Identity Theft Report, the furnisher must : 1. Block the fraudulent account, unless they have evidence proving the consumer opened it, AND 2. Provide clear identity verification or signed authorization.

Comenity did not block the account and did not provide proof that I opened it.

This constitutes : Failure to conduct a reasonable investigation ( FCRA 623 ( b ) ) Failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ) Failure to block identity theft information ( FCRA 605B ) Ongoing inaccurate and harmful credit reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: PA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: FL

Complaint narrative:
I am seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: IN

Complaint narrative:
I am writing to file a dispute regarding the following accounts on my credit report. I believe these accounts contain inaccuracies or incomplete information, and I request a thorough investigation of these items. 

Charged Off Accounts XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$610.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15.00} US DEPT ED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$910.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$920.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Incorrect information being reported. Frequent texts from debt collectors

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: WA

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
In reviewing my credit reports, I discovered that Equifax, Experian, and Transunion is reporting a late payment for my account with XXXX XXXX Account Number : XXXX. The report shows a payment as late on or about XX/XX/XXXX- XX/XX/XXXX. I have never been XXXX days late on this account. My records show that the payment in question was made on time, and I have attached copies of my statements and payment confirmations. 

I contacted Equifax, Experian, and Transunion to dispute this late-payment entry and requested verification. The bureau failed to provide any dated records or documentation showing that my payment was actually late. Instead, I received a generic verification stating that the account was reported accurately. This response did not include any evidencesuch as billing statements or account historiesshowing that a late payment occurred. I also asked the bureau to mark the account as disputed and to notify the furnisher of my dispute, but I am not aware that either action was taken. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute incomplete or inaccurate information in their credit files, and credit reporting agencies must conduct a reasonable investigation and correct or delete any unverifiable or inaccurate information. Furnishers of information must investigate disputes and modify, delete or permanently block information that is inaccurate or can not be verified. Additionally, the Fair Credit Billing Act requires creditors to investigate billing disputes and prohibits them from reporting delinquent amounts that are subject to a billing dispute until the investigation is completed. Equifax, Experian, and Transunion is reporting a late payment that is inaccurate and has not been verified with documentation. This inaccurate information is harming my credit standing.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
to report Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my lawful request, you have continued collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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
Consumer complaint received 2025-11-14 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: VA

Complaint narrative:
Dear Sir/Madam, I am filing this complaint to dispute inaccurate and incomplete information regarding my credit report. Below are the details of the accounts that I am disputing with each of the credit bureaus Charged Off Accounts : XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$470.00} XXXX  XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$250.00} XXXX XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$680.00} XXXX  Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$900.00} XXXX Account Number : XXXX Date Reported : XX/XX/XXXX Balance : {$85.00}

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 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Rocket Mortgage, LLC
State: PA

Complaint narrative:
My family has been struggling to make our monthly mortgage payments after our lender, Rocket Mortgage, miscalculated our escrow which raised our monthly payment by almost XXXX XXXX dollars. In XXXX we were caught up. XXXX XXXX we made a partial payment of XXXX XXXX and XXXX dollars out of the XXXX XXXX and XXXX we owe monthly. In XXXX, we were in the process of saving up to make a payment due to needing a full months amount if you get behind as they don't permit partial payments. In XXXX we got charged an inspection fee of XXXX dollars, without notice. On XXXX XXXX, we made a full months payment and got charged another XXXX dollar inspection fee. On XXXX XXXX, I made a payment of XXXX XXXX and XXXX  dollars. It is now XXXX XXXX, and someone was outside my home. When approached, they stated they were conducting an occupancy inspection for our lender which I assume we will again be charged for without notice. I don't understand their need for these inspections when we were making an honest effort every month to pay our mortgage. I would understand if we hadn't made any payments in months but that was not the case. Anytime I have contacted our lender about being behind, they only want to resolve by raising our monthly mortgage amount which we can not afford.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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: MN

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
am submitting this formal complaint regarding serious billing and account errors involving a XXXX XXXX XXXX issued by Synchrony Bank. I need this matter investigated and resolved promptly. 

Several years ago, my household and I declined the XXXX XXXX XXXX and contacted both Synchrony Bank and XXXX XXXX to ensure the card was never activated and the account was closed. We were verbally assured that everything had been taken care of. 

Despite this, I recently discovered that XXXX XXXX charged my membership fees to this same card, even though : The card was never activated, We had requested the account to be closed, and We did not authorize any charges to this account. 

This situation has caused unnecessary stress and confusion, and it reflects a failure to properly close the account as instructed. 

I am requesting the following actions : 1. Immediate investigation into why this inactive and declined account remained open.

2. Full removal and reversal of any charges billed to this account.

3. Written confirmation that the account is now permanently closed and can not be used for any future charges.

4. If applicable, removal of any negative reporting sent to credit bureaus regarding this account.

5. Confirmation that my XXXX XXXX membership is not linked to this old credit account in any way. 

I am attaching any supporting documents I have, and I am willing to provide additional information if needed.

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 monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These multiple entries are incorrect, duplicative, and misleading, as the account in question has already been paid off and should not continue to appear as separate or repeated inquiries. 
Items to be Investigated & Removed : - XXXXXXXX XXXX XXXX XXXXXXXX reported on XX/XX/XXXX - XXXX XXXX XXXX XXXX reported on XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX reported on XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I am writing to dispute several items on my credit report that I believe to be inaccurate. Below are the details of the accounts I am disputing : XXXX. XXXX XXXX Charge-Off o Account Number : XXXX o Amount : {$9700.00} o I am requesting that Experian re-investigate the charge-off status for accuracy. 
Please verify with the creditor that the information reported is correct. 
XXXX. XXXX XXXX Charge-Off ( 2nd entry ) o Account Number : XXXX o Amount : {$5700.00} o Please verify the charge-off status and outstanding balance for this account to ensure accuracy. 
XXXX. XXXX XXXX Charge-Off ( 3rd entry ) o Account Number : XXXX o Amount : {$5700.00} o I dispute this charge-off status and request a verification of the outstanding balance. 
XXXX. Delinquent Student Loan o Account Number : XXXX o Amount : {$3600.00} o I dispute the delinquent status reported for this loan. Please investigate and ensure the account is correctly reported as per the loan agreement.

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 2025-11-14 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: TX

Complaint narrative:
When reviewing my credit report, I discovered several hard inquiries that I never authorized. 
These inquiries do not correspond to any applications or credit requests that I made, and I believe they may have resulted from identity theft or misuse of my personal information.

To protect myself and follow the proper legal process, I filed a Police Report ( Case No. XXXX ) documenting the unauthorized activity. 
Under the Fair Credit Reporting Act ( FCRA ), once a valid identity-theft report is submitted, the credit bureau is legally required to block and delete any unauthorized information within four ( 4 ) business days.

This requirement is clearly established under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Despite providing my police report and full documentation, the unauthorized hard inquiries remain on my credit file.

Each inquiry represents access to my private credit data without permissible purpose, violating FCRA Section 604 ( 15 U.S.C. 1681b ).

The continued appearance of these inquiries has harmed my credit score and raised concerns about the security of my personal information.

It is unfair that I should suffer damage to my creditworthiness due to inquiries that I never authorized or initiated.

I have acted responsibly by filing a police report, gathering proof, and contacting the bureau directly.

However, no correction has been made, and I am now seeking the CFPBs intervention to ensure compliance with federal law and restoration of my consumer rights.

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 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
I opened a promotional finance account through TD bank at XXXX XXXX XXXX for a $ XXXX couch. I was originally told payments were due once I get my statement with account info in the mail which I never received so I called the company myself and started to make payments. I paid a large sum of around {$1800.00} and thought that was the end of my balance. I never received any notice of a balance still owed. I then called to figure out how much money I had through raymour and flanigan as we were going to purchase more furniture and realized I still had a balance. Had I received a phone call letting me know there was a balance remaining I would have paid immediately and am still willing to pay it immediately. TD bank said they charged the large interest rate and said they can not reverse it because it is past their date of reversal but I am only past due because I thought the couch was paid off. I called and requested for a supervisor review or a good will adjustment since it was such a low amount of money owed and I am willing to settle it today. I was told they had no promotional adjustment department and there was no one higher who could review my case and I believe is incorrect. This feels unfair since I was told to not start making payments until I received a due date in the mail which I still have never recieved and still thought it was paid off anyway with no notice otherwise which feels misleading. I never intentionally withheld payment. I am requesting that TD bank forgive me and remove or reduce the retroactive interest as a goodwill adjustment since the small amount still owed was an understanding and had a lack of notice.

Company response to consumer: Closed with monetary relief