vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following account listed on my credit report. I assert that this account are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX  XXXX BALANCED {$7700.00} DATE OPEN : 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 2025-08-24 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: MI

Complaint narrative:
im trying to buy a house i realize i had damaging on my credit report. according to 15 u.s.c 1681 it should not be no damaging on. my credit report its a defamation of character

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 2025-08-25 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 hope this follow up complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. Below is a list of the items I am requesting to be removed from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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:
I hope this follow up complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. Below is a list of the items I am requesting to be removed from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$820.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-08-25 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: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/year> Experian Dispute Department XXXX. XXXX XXXX XXXX, TX XXXX To Whom It May Concern : Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I have reached out to the company because I do not recall these account and I never received any proof of verification and no signed contracts : I demand the following accounts be removed immediately : 1. The high balance is incorrect, XXXX  & XXXX  show different amounts. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

2. The high balance is incorrect, XXXX XXXX XXXX show different amounts. 
XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report. 

3. The high balance is incorrect, XXXX XXXX XXXX show different amounts. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report 4. The high balance is incorrect, XXXX XXXX XXXX show different amounts. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove it from my credit report Thank you for your time and help in this matter. 
Sincerely, 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 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a credit card from Home Depot that I didn't apply for. On the same day I received a bill from Home Depot for XXXX. Payment due date XXXXXXXX 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 2025-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
Us bank I used my credit card for cash advance ments with in my limits of the card next thing I know it was blocked then my payroll check went into my XXXX checking account as always and then checking and savings account was block I have no access to get my checking to pay my bills or to get money from my checking that I need to get my mother in a XXXX XXXX  things she needs. I have money in my checking and savings I am not over drawn in any of my accounts please help this was done on Friday XX/XX/year>. I went to bank on sat XX/XX/year> they told me come back on Monday XX/XX/XXXX and they would call the fraud department

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 2025-08-25 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: IL

Complaint narrative:
Inaccurate reporting under the fair credit reporting act you can not miss report something as accurate then go back and try to change it this is against the law this report says XXXX  nothing even existed in XXXX I want this completely removed for the reasons are in the

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 2025-08-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Harris & Harris, Ltd.
State: AL

Complaint narrative:
CFPB Complaint : Harris & Harris Group , Inc.

What happened : Harris & Harris is attempting to collect a debt that I do not owe to them. The original creditor was XXXX. I never signed or agreed to any contract with Harris & Harris, and they have not provided any proof that they own the debt or that they are legally entitled to collect it. I asked for billing records, account names listed, agreements, or anything, they could not find any records When I contacted XXXX directly, they confirmed that they have no record or information regarding this alleged debt. This proves that the claim by Harris & Harris is inaccurate and without merit. 

Additionally, the account lists " Harris & Harris '' as the original creditor, which is false and misleading. The actual original creditor is XXXX. Misrepresenting the original creditor violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Harris & Harris has also failed to provide proper validation of the debt despite my dispute, yet they continued collection attempts. This is a clear violation of FDCPA 1692g ( debt validation ) and 1692e ( false representation ).

Violations : Attempting to collect a debt that does not exist.

Failure to provide validation of the debt upon request ( FDCPA 1692g ).

Misrepresentation of the original creditor ( FDCPA 1692e ).

Possible reporting of inaccurate information to credit bureaus in violation of FCRA.

What I want : Immediately cease all collection attempts.

Remove any negative information reported to credit bureaus related to this debt. 

Provide documented proof if they claim to have any legal right to collect. 

Additional details : XXXX has confirmed they have no record of this alleged debt. 

Harris & Harris has not produced any signed agreement or assignment proving their authority to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Loan opened without my consent or knowledge
Company: SLM CORPORATION
State: IL

Complaint narrative:
The information that was reported to credit bureaus is incorrect and not me. I do not authorize this. 

Sallie Mae XXXXDOFED XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a Vanilla Visa Gift Card valued at {$200.00} ( card number ending in XXXX, exp. XX/XX/XXXX ). The card was never used by me prior to yesterday, when I attempted to make my first purchase. 

When I tried to use the card, I discovered that only {$20.00} remained. Upon checking the balance, I learned that {$180.00} had already been spent without my knowledge or authorization before I ever used the card. 

This indicates that the cards value was compromised prior to my first use, and I believe this constitutes unauthorized activity. I had possession of the card from the date I received it and had not provided the card number or any details to anyone. 

Details : Card Type : Vanilla Visa Gift Card ( prepaid debit ) Original Amount : {$200.00} Date Received : XX/XX/XXXX Amount Missing : {$180.00} Date First Attempted to Use:XXXX Remaining Balance : {$20.00} Card Expiration : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Good evening. I am following up on my email to XXXX that was sent on XX/XX/year>. I have attached that email with this message. It describes multiple problems with XXXX XXXX and how those extend to XXXX XXXX. A transaction from my checking account went to XXXX XXXX and XXXX XXXX. With the concerns I had, I asked BA Security to refund {$1500.00}. I never received an email reply. I have shared that email with the U.S. Department of Transportation. The evidence and information that I collected were shared digitally via the internet with many government offices and agencies. The vehicle that I never wanted was towed on or before XX/XX/year>. I have been unemployed since that time. In XXXX, the XXXX XXXX scheduled a phone call to either testify or be interviewed as a witness. That same week, I was also summoned to court for eviction proceedings. At this time, I am unable to pay my Bank of America credit card. I suppose my credit has been negatively affected, and I have received non-specific emails from XXXX  notifying me that my credit has received a negative mark. I don't know how many negative marks I have or which email notifications are repetitive. I haven't logged into my XXXX  XXXX account since XX/XX/year> or prior. This week, I submitted a CFPB message to XXXX XXXX regarding the XXXX XXXX XXXX XXXX and employment options, including blogs to support the effort I have attempted to stay employed. Thus, I am sending this message to confirm that I can not make payments to my Bank of America credit card at this time. Please see the email to BA Security. If additional information is requested, I will do my best to be of assistance.

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 2025-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>2025, I deposited checks that were gifted to me by my mother-in-law to be. She received the checks from her lawyer due to a settlement that she received from a car accident. 3 checks totaling {$27.00}, XXXX, were deposited into my Checking account at CHASE bank located at XXXX XXXX XXXX in XXXX XXXX, N.Y., XXXX. The teller said that even though the checks did not have my name on them, that it was okay for me to deposit them into my account. All I needed to do is sign the back which I did. 
The next day I received a text message saying that my account may be closed due to fraud. I called the bank and I was given the run around. One agent said that the checks will be returned, another told me that they just needed to be recalled, and the issue will resolve itself. Then they told me my mother-in-law needed to verify her identity by phone, which needs to be in her name. She now has 2 phone lines in her name and still their system is not able to verify her identity. Since then, I have contacted their customer support team multiple times and have not received any way to resolve this issue other than to keep calling them to check if the number has been verified by their system, they told me that in person verification isn't possible. This verification system of theirs is very unfair and frustrating. 
On XX/XX/scrub>, 2025, I was advised by a representative to fax this complaint because there was no other way to file it, which I find concerning and outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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.

Complaint narrative:
My information was used to create credit report without my consent.

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 2025-08-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
My Dell Pay account through Dell Financial Services was transferred to Comenity without any notice. Since then, I have been unable to access my account online to view my balance, make payments, or review terms.

Issues experienced : Comenity refuses to provide online account access, only asking for card/banking info over the phone ( which I am not comfortable with ).

Calls are disconnected when I ask for secure online access.

Despite my attempts to pay, Comenity has reported my payments as late, harming my credit.

Comenity has contacted my relatives about this account without authorization, which I believe violates the Fair Debt Collection Practices Act.

I am not refusing to pay ; I am actively trying to resolve this, but Comenity has made it impossible to do so securely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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: TN

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the XXXX  data breach. 

The following accounts were fraudulently opened : 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

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 2025-08-25 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: NY

Complaint narrative:
I have attempted on several occasions to dispute fraudulent information on my credit report with all three credit bureaus. I have not been provided with any information after sending this creditor a letter more than 30 days ago to provide Validation of the debt, A signed Invoice, and A copy of the contract binding both parties, in a letter by certified mail, so that there is an independent witness to it having been delivered. Experian, Equifax, and TransUnion continuously fail to investigate/reinvestigate this information. There are laws in place, such as 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] that are not being upheld, and I have received NOTHING verifying that this debt belongs to me. I have also never lived at the Address that this debt is tied to, and I have requested that the address be removed from my report as well. Please remove this debt from my credit report immediately! 

Account number : XXXX XXXX XXXX {$480.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: NY

Complaint narrative:
I have attempted on several occasions to dispute fraudulent information on my credit report with all three credit bureaus. I have not been provided with any information after sending this creditor a letter more than 30 days ago to provide Validation of the debt, A signed Invoice, and A copy of the contract binding both parties, in a letter by certified mail, so that there is an independent witness to it having been delivered. Experian, Equifax, and TransUnion continuously fail to investigate/reinvestigate this information. There are laws in place, such as 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] that are not being upheld, and I have received NOTHING verifying that this debt belongs to me. I have also never lived at the Address that this debt is tied to, and I have requested that the address be removed from my report as well. Please remove this debt from my credit report immediately! 

Account number : XXXX XXXX XXXX {$480.00}

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 2025-08-25 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: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to identity theft, as authorized by 15 U.S.C 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax Data breach, which has exposed my sensitive data to unauthorized individuals. The following fraudulent accounts and inquiries have been identified as a result of this 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
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: GA

Complaint narrative:
I contacted the company at the beginning of XXXX because XXXX XXXX had the wrong driving record ( my XXXX XXXX ) and was quoting me a hire price for insurance. Upon contacting lexis nexis, I explained that the driving record they had under my name was actually for my XXXX XXXX I explained to them that we had similar names, but we are not the same person as they were trying to insist. They sent the report stating it was correct when it is in fact not. They have her name on my record and in fact, they have it where me and her name are merged together also.

Company response to consumer: Closed with explanation