vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts were supposed to be deleted from my credit report. XX/XX/year> these accounts were reported removed and they illegally added them back to my credit report. I am a victim of severe human trafficking and debt bondage as recognized under Section 605C of the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate blocking and deletion of the following fraudulent accounts from my credit report pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed off my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This letter serves as a formal dispute of the debt you allege is owed and a notification of multiple violations of federal consumer protection statutes associated with your collection practices. I do not acknowledge any indebtedness to the following collection agencies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I demand full validation of the alleged debt, including but not limited to the name of the original creditor, the corresponding account number, a comprehensive breakdown of the amount claimed, and a copy of the purchase agreement transferring the debt to your agency. I have simultaneously submitted a complaint to the Consumer Financial Protection Bureau. 

Effective immediately, I revoke any and all consent to contact me by phone, text, or email. All communication must be conducted exclusively in writing. Your failure to comply with the dispute provisions under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), as well as your deceptive practices and failure to provide legally mandated disclosures, constitutes a violation of my rights. Moreover, the furnishing of data to credit reporting agencies by [ creditor_name ] without proper disclosures is unlawful per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: FL

Complaint narrative:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed off my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-29 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:
They violated my rights as a consumer under 15 USC 1681B and I need these accounts blocked and removed off my credit report as soon as possible. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously disputed a account with equifax XXXX XXXX XXXX XXXX with a Ftc report stating the account was fraudulent it was removed from my credit report on XXXX on XXXX it was reinserted without no notification or documentation.If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.Credit reporting agencies must maintain reasonable procedures to prevent the improper reinsertion of deleted information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: IL

Complaint narrative:
This account was charged off on the following date ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. 

This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-29 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I pulled a copy of my Equifax consumer report and noticed an item reporting on my credit file that isnt reporting on XXXX  and XXXX  so maximum possible accuracy under the compliance procedures section of the FCRA has been violated ( 15 USC 1681e ( b ) ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i have received a document titled voluntary dismissal without prejudice from a court in FL referencing bank of america as plaintiff and me as a defendant in some outstanding charges on a credit card. I never had any accounts with bank of america. I reached out to an attorney who looked up the case and informed me that there was a credit card account opened with my name on it and three different addresses ( XXXX in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. the letter I received was the first time i have ever heard of this issue. there were close to $ XXXX in charges on the account. this has negatively affected my credit score however this account never appeared in my XXXX XXXX account and i found the details on XXXX while a dealership ran my credit in process of leasing a car. i have no idea who this person is and i have no connection to this account or bank of america.i believe someone used my info to open the account

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 2025-06-28 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: FL

Complaint narrative:
These hard Inquiries Dont belong to me, hasnt being authorized by me and has to be remove. Also this all well. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
There are two items on my credit report for the same collection company and these are not mine. Please delete

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am writing to file a formal complaint against a Pottery Barn credit account currently being reported through XXXX  XXXXPTTRYBRN that continues to appear on my credit report as a charge-off, despite my repeated disputes and clear denial of any knowledge or ownership of this debt. 

I have disputed this account multiple times with the credit reporting agencies and the furnisher of the information. Each time, I have clearly stated that this account is fraudulent, that I do not recognize it, and that I have never opened or authorized any such credit line. I have also formally requested documentation verifying that I am the person responsible for this account yet no such documentation has ever been provided. 

Despite these efforts, the account continues to be verified and reported as a charge-off, in direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681i Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681s-2 ( b ) Furnishing inaccurate information after notice of dispute 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy This unresolved and erroneous reporting has caused ongoing harm to my credit score, resulting in financial hardship, including denials of credit, increased interest rates, and emotional distress. 

I am formally demanding that this account be permanently removed from all credit reporting within XXXX hours of receipt of this complaint. Additionally, I would like confirmation that the furnisher has been directed to cease reporting this unverifiable and fraudulent account. 

Please be advised that I am preparing to initiate formal arbitration proceedings for the damages caused by this repeated noncompliance and negligent handling of my disputes. 

Attached are copies of my previous disputes and communications regarding this matter. 

Thank you for your immediate attention to this issue. I trust that your office will investigate this matter thoroughly and act in accordance with consumer protection laws. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I had reached out to this company a few times. In addition, I had disputed with the credit bureau a few times however, they are reporting minimal information. I do not have a pet please delete this off my credit report. Thank you

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 2025-06-29 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: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I have sent multiple dispute letters to Equifax, Experian, and TransUnion regarding errors on my credit report, but they have not been corrected. I have attached copies of the letters I sent to each bureau. Please review the errors and compile them into a three-bureau comparison table. I would appreciate your assistance in resolving this matter.

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 2025-06-29 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against BMW Financial Services due to their gross negligence in reporting incorrect information to the credit bureaus, and their continued refusal to correct the matter despite being provided with clear and timely evidence. 

Specifically, BMW Financial Services has reported a late payment on my account for XX/XX/XXXX. This reporting is entirely inaccurate. The payment in question was made on XX/XX/XXXX, and was for more than the minimum amount due. It was submitted within the required timeframe to be considered on time. 

I have contacted BMW Financial Services multiple times and provided proof of this timely payment. However, they have failed to offer any explanation, initiate an investigation, or remove the incorrect late payment from my credit file. This inaction is not only unacceptable but damaging. 

As a result of this inaccurate and unfounded reporting : My credit score has dropped by XXXX points. 

I have experienced a crippling impact on my ability to obtain new credit. 

My longstanding good standing with other creditors is now jeopardized. 

I have never missed a payment by more than 30 days at any point in my history with BMW Financial Services or any other creditor. 

This false reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), which requires the reporting of accurate information and prompt correction of errors when notified. 

I am formally requesting that the CFPB take immediate action to compel BMW Financial Services to : Remove the incorrect late payment from all credit bureaus. 

Provide a written explanation as to why this error occurred and why no timely correction was made. 

Be held financially accountable for any damages incurred, including compensation for the ongoing impact to my credit profile and cost for each day my request for correction is ignored. 

Thank you for your time and attention to this matter. I look forward to a swift and just resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block 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, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of collections and charge-offs in question as well as a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and charge-offs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-06-29 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: MS

Complaint narrative:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a XXXX bureau table. Please assist me in getting this issue resolved.

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 2025-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
On XXXX XXXX XXXX XXXX, I was called by Hyundai Motor Financial in relation to my car loan in which I had informed them that I was unable to pay that the time due to a current financial hardship and asked if there was any information related to payment deferral, which they denied me information about. Now currently from XXXX XXXX to now the week of XXXX XXXX XXXX XXXX XXXX  they have repeatedly called my phone at multiple tomes within the day including mornings especially while Ive been at my new job that I informed them of already & interrupting me from collect the money to pay them & harassing me.

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 2025-06-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: T.S. Holdings
State: LA

Complaint narrative:
Account IQ DATA INTERNATIONAL # XXXX I'm unaware of this dept and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with explanation