vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 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: TX

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX Equifax XXXX XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any 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 2025-09-05 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 am formally contesting the accounts listed, which I did not authorize or establish. As they appear fraudulent, I respectfully request their immediate removal and a comprehensive investigation. Supporting evidence accompanies this request.

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 2025-09-05 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: MD

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-05 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: MI

Complaint narrative:
I dispute the reported late payments and delinquent status currently listed. These entries are inaccurate based on my payment history and agreements. Please update the status to Paid as Agreed and eliminate any record of delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXX * * XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$4700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: IDT Telecom, Inc
State: TX

Complaint narrative:
I made a transfer to a XXXX account domiciled in XXXX XXXX  for XXXX ( XXXX XXXX ), using the Boss Revolution Money Transfer Services. However, I made a mistake in the recipient account number, and the money was transferred to the wrong account. 
I contacted Boss Revolution after I reviewed the transaction and informed them what had happened, and they promised to work with the receiving bank in XXXX to reverse the money once it is made available to them. When it was taking too long for them to get in touch with XXXX, with the help of the rightful recipient, I was able to have XXXX reverse the money. But even after XXXX confirmed that the money has been reversed from their end, Boss Revolution has yet to facilitate the final leg of the transaction to reverse the money back to my Debit card/bank account. 
I have been going back and forth with them since XX/XX/year>. 

Transaction details ; Reference ID : XXXX Transfer Amount : XXXX USD Transfer Fees : XXXX USD Transfer Taxes : XXXX USD Total Paid by Sender : XXXX USD Exchange Rate : XXXX USD = XXXX XXXX  Transfer Amount : XXXX XXXX  Other Fees : XXXX  NGN Total to Recipient : XXXX XXXX  Order Date : XX/XX/scrub>XXXX XXXX I have also attached my email communications with Boss Revolution in a bit to have this resolved, which has not yielded any positive result.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
EXPERIAN IS NOT PROPERLY UPDATING MY CREDIT SCORE. THEY DROPS MY POINTS TREMENDOUSLY BUT ONCE MY CREDIT SPENDING AND ETC CHANGES, MY SCORE STILL DECREASE. XXXX  XXXX SHOWED XXXX PERCENT SPENDING XXXX XXXX XXXX  AND THEY DROPPED IT. I DISPUTED XXXXXXXX XXXX XXXXXXXX AFTER MY XXXX HAS WENT TO XXXX. NO INVESTIGATION NOR CHANGE. MY CLOSED XXXX  ACCOUNT THAT WAS PAID BY INSURANCE HAS BEEN IN DISPUTE SINCE XXXX  AS MANY OTHER DISPUTES. AI IS THE MOST STUPID THING THEY HAVE PUT ON THE SYSTEM AS IT DOESN'T RECOGNIZE ANYTHING.

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 2025-09-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the XXXX period mandated by law, denying me the transparency and verification rights granted under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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:
Kindly treat this as an official dispute regarding accounts that do not belong to me. They appear to be fraudulent, and I request their removal from my record along with a complete inquiry. Proof is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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 should not have to chase down errors like this, yet unauthorized accounts keep showing up under my name. I never opened or approved these accounts, and I was never informed they were added. The reporting across bureaus is inconsistent and clearly 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 2025-09-05 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: TX

Complaint narrative:
I should not have to chase down errors like this, yet unauthorized accounts keep showing up under my name. I never opened or approved these accounts, and I was never informed they were added. The reporting across bureaus is inconsistent and clearly 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 non-monetary relief
Consumer complaint received 2025-09-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported unauthorized hard inquiries on my credit report that were not initiated or authorized by me. This constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ) and 15 U.S.C. 1681g ( a ) ( 5 ), which prohibit reporting inquiries not initiated by the consumer unless specific conditions, such as prior written consent or a firm offer of credit, are met. I did not provide any written authorization for these inquiries, and their presence on my credit report is therefore unlawful. Additionally, the agency has failed to provide documentation or evidence of a permissible purpose for these inquiries.

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 2025-09-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The XXXX et al has not provided the proof of purchasing the debt and that they a legally able to collect. This has been going on for several months now and all I get is statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: 2288984 Ontario Inc.
State: TX

Complaint narrative:
I am submitting a complaint regarding repeated and aggressive collection calls from XXXX ( XXXX ) XXXX her name was XXXX. This number contacted me consecutively and nonstop. When I answered, the representative immediately raised her voice, used a hostile and threatening tone, and hung up on me three separate times after I stated that I could make a payment within a month. 

The representatives conduct was extremely unprofessional, unethical, and intimidating. She yelled at me, repeatedly talked over me, refused to let me explain my situation, and responded with hostility when I attempted to call back. This behavior made me feel unsafe, harassed, and pressured after having already shared my personal information. 

I believe this treatment violates the Fair Debt Collection Practices Act ( FDCPA ), which prohibits debt collectors from : Engaging in harassment or abusive conduct ( 15 U.S.C. 1692d ).

Using threats, intimidation, or repeated phone calls intended to annoy, abuse, or harass ( 15 U.S.C. 1692d ( 5 ) ).

Failing to provide consumers with an opportunity to communicate or explore repayment options in good faith. 

I respectfully request that the CFPB investigate this matter and hold the collector accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: OH

Complaint narrative:
I am filing this complaint because an unauthorized XXXX XXXX credit card account, issued by Comenity Bank, has been reporting on my credit reports since XXXX. I never applied for, authorized, or used this account. 

In addition, this debt has been sold to a third-party debt collector, and the collection account is also reporting on my credit file. This has compounded the damage to my credit profile and is continuing to cause financial harm. 

Despite my repeated disputes with the credit bureaus, Comenity Bank, and now the debt collector, the account continues to be reported as verified. Neither Comenity Bank nor the debt collector has provided any supporting documentation such as the original signed application, IP address of application, or surveillance footage from the date the account was allegedly opened. 



Details of the Issue : Original Account : Comenity Bank XXXX XXXX XXXX Credit Card Collection Account : [ Insert Debt Collectors Name from your credit report ] Date first reported : XXXX ( still reporting to this day ) I did not authorize or open this account. 
I have disputed both the original tradeline and the collection account multiple times with the credit bureauXXXX XXXX XXXX XXXX XXXX XXXX  ). Each time, the accounts were verified without supporting documentation. 
I have specifically requested proof of authorization ( signed application, IP address, surveillance footage, etc. ) for years. These requests have been ignored. 
Under the Fair Credit Reporting Act ( FCRA ) 611, furnishers ( both Comenity Bank and the debt collector ) must conduct a reasonable investigation. Simply marking the account as verified without documentation does not meet that standard. 
Under the FCRA 605B, once an account is identified as resulting from identity theft, the bureaus must block reporting within 4 business days of receiving the required documentation ( police report/FTC identity theft affidavit ). 



Harm Caused : This unauthorized account and subsequent collection have harmed me by : Lowering my credit score since XXXX 
Causing duplicate negative reporting ( original creditor + collection ). 
Interfering with my ability to obtain credit and better loan terms. 
Causing emotional distress and repeated time/energy spent disputing. 



Resolution Requested : I request that the CFPB require Comenity Bank, the debt collector, and the credit bureaus to : 1. Immediately delete this unauthorized XXXX XXXX credit card account and any associated collection account from all of my credit reports XXXX XXXX XXXX XXXX ). 
2. Provide written confirmation of deletion.

3. Provide a copy of any documentation allegedly linking me to this account ( signed application, IP address of application, surveillance footage, etc. ).

4. Ensure full compliance with FCRA 605B and 611.

5. Compensate me for damages if applicable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 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: KY

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the accounts I am not familiar with. 

Please find attached a copy of my ID, the FTC complaint, a copy of the XXXX report showing my information being exposed in a national data breach.

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