vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
CFPB Complaint Deferred Interest Not Clearly Disclosed Product : Credit Card Issue : Unexpected or excessive interest charges Company : Comenity Capital Bank ( Zales Credit Card ) What happened : I am disputing a deferred interest charge of {$6000.00} that was added to my Zales Credit Card account after the expiration of a 24-month promotional financing plan.

Throughout the entire 24-month promotional period, I made every payment on time and consistently paid upon receipt of each statement. On the final statement, I also paid the remaining balance in full. At no point was I clearly informed that failure to pay the entire original promotional balance by the exact expiration date would result in retroactive interest being added to the original financed amount, totaling over {$6000.00}.

Why I believe this is incorrect : While one statement included a generic warning that the promotional plan was ending soon, the disclosure was not clear, conspicuous, or understandable.

The warning stated only to avoid paying accrued interest, but did not explain that interest would be retroactively applied to the original purchase amount, did not disclose the dollar magnitude of interest at risk, and did not reasonably convey the consequences.

The statement contained a buried line item showing TOTAL ACCRUED INTEREST : {$5700.00}, which was never clearly identified as payable or tied to the promotional expiration consequences.

Good-faith reliance and harm : I maintained perfect payment history for 24 months, made consistent monthly payments, and paid the remaining balance promptly. Had I been clearly informed that nearly {$6000.00} in retroactive interest had accrued, I would have paid the balance in full before the promotional expiration date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 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 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-12-28 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: TX

Complaint narrative:
federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX 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 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 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 XXXXXX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am disputing inaccurate credit reporting by Chase Bank related to a credit card account that Chase closed in XX/XX/XXXX. 

Throughout the life of this account, I consistently made payments on time and in accordance with the account terms. I was not delinquent prior to Chases actions. 

On XX/XX/XXXX, Chase closed the credit card account as part of an internal review. After closing the account, Chase removed my online access and discontinued autopay from my checking account. Despite the closure, payments continued to be made through at least XX/XX/XXXX, with no indication of delinquency at that time. 

After Chase removed my ability to make payments and did not provide timely notice of any alleged delinquency, Chase began reporting late payments in XXXX, an inflated balance of approximately {$1400.00}, and a charge-off. At the time Chase removed payment access, the balance was approximately {$300.00}. 

The increase from approximately {$300.00} to {$1400.00} occurred only after Chase disabled autopay and account access. Any interest, fees, or penalties assessed during this period resulted from Chases actions, not from missed or late payments by me. Reporting these late payments, balance increase, and charge-off as consumer nonpayment is inaccurate and misleading. 

I previously disputed this information through XXXX XXXX and XXXX online dispute systems. Chase responded by stating the information was verified, but no corrections were made and no documentation or explanation was provided showing how late payments or a charge-off could occur after the account was closed and payment access was removed. 

Chase previously confirmed in writing that it closed the account as part of an internal decision and restricted account access. Chase has not provided documentation explaining how late payments or balance increases could occur after closure. I am requesting that Chase Bank correct or delete the inaccurate balance, late payments, and charge-off, and update all credit reporting agencies accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
Only spoke to them once. Had to block them because of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: AZ

Complaint narrative:
I submitted a formal written dispute to the consumer reporting agency regarding a XXXX / XXXX XXXX credit account that is reporting as a charged-off collection. In my dispute dated XX/XX/year>, I stated that the account is fraudulent and the result of identity theft, and I demanded that the account be blocked and deleted pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ).

In that dispute, I provided supporting documentation and clearly explained that I did not authorize the account, did not benefit from it, and that continued reporting was causing ongoing financial harm. I also requested the method of verification, proof of authorization, and full compliance with FCRA reinvestigation requirements. 

On XX/XX/year>, the consumer reporting agency responded stating that the account was verified as belonging to me after contacting the furnisher. The response indicated that certain fields were modified, including additional information and historical account information, but the account was not deleted or blocked. Instead, the account continues to report as a charged-off account with a past-due balance of approximately {$1600.00}, and is still being furnished to third parties. 

The response failed to include : Any signed application, contract, or proof of authorization Any explanation of how the account was verified as mine The method of verification required under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) Any evidence that the identity theft provisions of 1681c-2 were followed Additionally, the account continues to report historical delinquency and charge-off data, despite being disputed as identity theft. Reporting and updating historical payment data on a disputed or fraudulent account is inconsistent with Metro 2 reporting standards, which require accuracy, proper dispute coding, and suppression of unverifiable information. 

Rather than complying with the law, the consumer reporting agency sent a generic reinvestigation form requesting that I resubmit information that had already been provided. This appears to be an improper delay tactic and a failure to reasonably investigate the dispute as required by 15 U.S.C. 1681i ( a ) and 1681e ( b ).

As a result, the fraudulent account continues to damage my credit profile, restrict access to credit, and cause ongoing financial harm. Despite timely disputes and clear notice of identity theft, the consumer reporting agency has continued to report and disseminate inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and unfair information appearing on my Equifax credit report. I am a consumer working to correct my credit and ensure my report is accurate and complete. 

Charged-Off / Collection Accounts I dispute the accuracy and reporting of the following accounts : Department of Education / XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$34000.00} ) Department of Education / XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$17000.00} ) XXXX  Acct XXXX ( Opened XX/XX/XXXX, balance {$0.00} ) XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$4600.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$2500.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$8000.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$15000.00} ) XXXX XXXX XXXX Acct XXXX ( Opened XX/XX/XXXX, balance {$2800.00} ) Some of these accounts appear outdated, duplicated, inaccurately balanced, or reported without proper verification. I am requesting Equifax verify the accuracy of the balances, dates, and ownership of each account. Any account that can not be fully verified should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Me and XXXX  XXXX have a personal financial agreement not with XXXX. They scammed a credit card for purchase without my approval or consent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Requested this from the three credit reporting agencies ( Trans Union, Equifax, and Experian ). I have sent three different letters spaced 60 days apart requesting the adjustment and removal of negative items from my report. In the last 90 days there has been no change on my report and no response from the agencies.

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 2025-12-28 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 filing this complaint to dispute unauthorized and inaccurate items appearing on my Equifax credit report. Upon reviewing my report, I found both credit inquiries and late payment records that I do not recognize or did not authorize.

Inquiries in Dispute : XXXX XX/XX/year> XXXX XX/XX/year> I do not recall authorizing these inquiries, and I have not been provided with any proof of permissible purpose as required under the FCRA. 

Late Payments in Dispute : XXXX XXXX Account ending XXXXXXXX XXXX XXXX XXXX Account ending XXXXXXXX XXXX XXXX  The late payment history being reported on these accounts is inaccurate and misleading. Equifax has a duty to ensure that all reported data is complete, accurate, and properly verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am disputing the following hard inquiry on my TransUnion credit report, which does not correspond to any authorized or initiated application for credit : XXXX XXXX Date of Inquiry : XX/XX/year>

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 2025-12-28 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: SYNCHRONY FINANCIAL
State: MO

Complaint narrative:
Complaint Description : I am disputing a {$24.00} charge from XXXX XXXX XXXX at XXXX. 

The purchase was made on XX/XX/year> and canceled the same day. I was unable to access or use the service. 

XXXX later confirmed in writing that they would issue a refund, but only if disputes were closed. Relying on this written promise, I closed my dispute with Synchrony Bank. Synchrony confirmed in writing that the dispute investigation is closed. 

Despite this, XXXX has failed to issue the promised refund and continues to provide inconsistent explanations claiming the dispute is still open. Both XXXX and Synchrony have confirmed otherwise. 

I am requesting resolution based on merchant misrepresentation, failure to honor a written refund promise, and consumer reliance on that promise.

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 2025-12-28 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: NC

Complaint narrative:
I am submitting this complaint regarding unauthorized hard inquiries on my Equifax consumer credit report. I did not apply for credit or authorize credit inquiries with the following entities and no account relationship exists as a result. The inquiries include XXXX dated XXXX XXXX XXXX dated XXXX XXXX  dated XXXX XXXX  dated XXXX XXXX XXXX XXXX dated XXXX XXXX  dated XXXX XXXX XXXX  XXXX dated XXXX and XXXX XXXX  dated XXXX XXXX  dated XXXX XXXX  dated XXXX XXXX XXXX dated XXXX XXXX dated XXXX and XXXX  dated XXXX. These inquiries are not connected to any reported account and lack permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-28 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: GA

Complaint narrative:
I am writing to dispute several inaccuracies found on my credit reports. Below are the details of the accounts in question, along with a clear description of the issues. Please investigate these matters and make necessary corrections as required under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4700.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00} Inquiries : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : XXXX  Account Number : XXXXXXXX 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 explanation
Consumer complaint received 2025-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I had someone allegedly from Chase bank call me and tell me I had fraud on my account and that I needed a new debit card, I told them no information on that call. Chase bank dealt with fraudsters and they had a debit card send to my home and then stole it from my front porch and went and took all of the money I had out of my checking and savings account. On the call this person ( XXXX XXXX from Chase bank ) asked me if I had used my pin number recently to make a purchase which I had XXXX days prior to the call. Chase bank continuously declines my claims indicating that the debit card was sent to my house and therefore I must have been the one to do this. I have called Chase bank at least XXXX times trying to talk to someone to explain the entire story but either no one will call me back, I have also emailed their executives weeks ago and still not call back. I submitted a police report and my ring camera footage to the XXXX police who are looking into this as well. Also my debit card was overnighted to my home via XXXX, now I have had to request a debit card before and I was never able to get a card to me that quickly. As a matter of fact when I cancelled the one that was used to debit my account fraudulently and requested a new one, they would not send it to me overnight and I did not get my new card until XXXX days later. In my opinion there seems to be some sort of inside job, either way Chase bank should reimburse me, even temporarily until someone calls me and gets my entire story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-28 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: NC

Complaint narrative:
I am submitting this complaint to dispute inaccurate and incomplete information on my Equifax credit report. I am actively working to repair my credit and ensure my report reflects only accurate, verifiable information. 

Charged-Off Accounts I dispute the following accounts as inaccurately reported : XXXX XXXX XXXX Acct XXXX ( XX/XX/XXXX, balance {$0.00} ) XXXX  XXXX Acct XXXX ( XX/XX/XXXX, balance {$75.00} 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 XXXXXX/XX/XXXX, balance {$97.00} ) Several accounts show XXXX balances but are still reported as charged off or negative. Others appear outdated or inaccurately reported. I request Equifax verify the accuracy of balances, account statuses, and reporting dates. Any account that can not be verified should be corrected or removed. 

Late Payment Disputes I dispute the late payments reported on the following accounts : XXXX XXXX Acct XXXX XXXX XXXX XXXX  Acct XXXX XXXX  Acct XXXX XXXX XXXX  Acct XXXX XXXX  Acct XXXX These late payments are inaccurate or overstated and should be corrected or removed if they can not be verified.

Company response to consumer: Closed with explanation