vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: AL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
XXXX XXXX XX/XX/year> To Whom It May Concern, RE : FORMAL DISPUTE COLLECTION ACCOUNT FROM CREDIT COLLECTION SERVICES Account Name : Credit Collection Services Original Creditor : XXXX Reported Balance : {$610.00} Date Opened : XX/XX/year> Last Reported : XX/XX/year> I am formally disputing the accuracy and completeness of the above-referenced collection account that is currently appearing on my credit report. This letter serves as a direct dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and 15 U.S. Code 1692g ( FDCPA ). 
This account has not been validated in compliance with Section 809 of the Fair Debt Collection Practices Act ( FDCPA ). I have not received a copy of a signed agreement, itemized billing, or a valid chain of title proving that Credit Collection Services has the legal right to collect this alleged debt. Simply reporting a balance and date is insufficient under the law. Without proper verification, this collection is inaccurate, incomplete, and legally unsubstantiated. 
Per FCRA Section 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information. Failure to do so, or the continued reporting of unverifiable or inaccurate information, is a direct violation of federal law.

Furthermore, if Credit Collection Services can not provide : A signed purchase or service agreement bearing my signature, A complete itemized breakdown of the debt from the original creditor, Documentation proving their legal authority to collect on behalf of or ownership of the debt, then this item must be deleted from my credit report immediately under FCRA Section 609 ( 15 U.S.C. 1681g ) and Section 623 ( 15 U.S.C. 1681s-2 ). 
If the item is not removed or properly validated within 30 days, I will pursue all remedies available under federal and state law, including formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. I also reserve the right to seek legal action for willful noncompliance or continued reporting of inaccurate information. 
Please confirm in writing the results of your investigation and, if verified, provide all supporting documentation. If it can not be verified, remove this collection from all of my credit reports immediately. 
Sincerely, XXXX 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 2025-04-25 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: MI

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-04-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I disputed an accrued interest charge of {$380.00} assessed to my account on XX/XX/XXXX because the promotional balance required to be paid off by XX/XX/XXXX should have been satisfied through payments that I scheduled through the company 's website. I attached the XX/XX/XXXX statement to my dispute showing that an amount of {$66.00} was applied to that statement instead of the requested {$730.00} as reflected in emails that I attached to my dispute. If the appropriate amount had been drafted as I requested on the company 's website, instead of only the {$66.00} auto-pay amount, the promotional balance would have been satisfied in full by XX/XX/XXXX. For some reason, the company 's online system deleted the one-time payment that I had established on XX/XX/XXXX. Further, the automatic payments of the minimum balance that I deleted on XX/XX/XXXX were not deleted and instead continued to draft. The payment on the XX/XX/XXXX statement should have reflected the {$730.00} that I requested as reflected in emails that I attached to my dispute. That payment was not deleted by me. Once I realized what had happened, I did pay the remaining principle but refused to pay the accrued interest which I disputed. The company refused to consider my dispute, and continued to assess the interest-only balance and added late fees and interest when that was not paid. The company then reported my account as delinquent to the credit reporting bureaus, but failed to report that the amount they claimed I owed was disputed by me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy I have never been late on payments for the account : ( XXXX Credit ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to formally report that I am a victim of identity theft. I recently became aware that a store card account was fraudulently opened in my name with Comenity Bank without my knowledge, consent, or authorization. 

This unauthorized activity is a clear violation of my personal rights and financial security. I did not apply for this account, nor did I give anyone permission to do so on my behalf. I am requesting that this fraudulent account be closed immediately and removed entirely from my name and credit report. 

Please consider this a formal dispute under the Fair Credit Reporting Act ( FCRA ). I also request written confirmation that the account has been closed and all associated negative marks removed from my credit file. 

I am happy to provide any additional documentation you may need, including a police report or identity theft affidavit, if required. 

Thank you for your immediate attention to this serious matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: NJ

Complaint narrative:
I am writing to demand the immediate removal of multiple accounts being reported under my name without my knowledge, authorization, or consent. I have never opened, managed, or approved any of these accounts, and their presence on my credit report is both false and damaging. 

This situation is completely unacceptable. It misrepresents my financial history, compromises the integrity of my credit profile, and raises serious concerns about potential identity theft. I take this matter with the utmost seriousness and require an urgent investigation into how and why these accounts were reported in my name.

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 2025-04-25 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: SC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : 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 - {$460.00} XXXX XXXX XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$460.00} XXXX  - XXXX * * * * * * XXXX - XX/XX/XXXX - {$140.00} XXXX XXXX XXXX XXXX XXXX XXXX  * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: FL

Complaint narrative:
Subject : Debt Collection and Charge-Off Dispute - Request for Action To Whom It May Concern, I am filing a formal complaint regarding an account with DISCOVER FINANCIAL SERVICES, its heirs, assigns and trustees ( hereinafter DISCOVER ) for credit card account. The Account which is currently being reported as charged off and continues to be pursued for collection by Discover, despite my previous efforts to validate the debt. Below are the relevant details : The account in question was reported as charged off by Discover on my credit report. 

On XXXX XXXX ( XXXX ), 2024 I sent a formal Notice of Protest Account along with Notice of Non-Response and Affidavit of Non-Response to DISCOVER, its heirs, assigns and trustees via registered and certified mail. Despite the legal requirement for them to respond, they did not. 

I have filed over nineteen ( 19 ) Requests and made presentments as tender of payment and DISCOVER has not responded to any of the correspondences. 

On XXXX XXXX ( XXXX ) 2024 I presented CONDITIONAL ACCEPTANCE FOR PROOF OF CLAIM upon DISCOVER BANK 's contract, for determination of 'meeting of the minds. ' Fraud on the contract, and or an unconscionable contract and/or agreement for commercial discharge on the account. DISCOVER did not respond and hence accepted the terms thereof through tacit acquiescence. 

On XXXX XXXX ( XXXX ) 2024, I requested in writing a Statement of the Account as well as presented an Affidavit of Specific Negative Averment full accounting of the debt, and confirmation of their right to collect. They have not provided any proof to substantiate this claim. 

Despite their charge-off of the account, Discover still has a balance posted to the account in the amount of XXXX XXXX, XXXX XXXX XXXX XXXX dollars and XXXX XXXX cents ( {$7600.00} ) that they are trying to collect on. 

This situation raises concerns of unjust enrichment, potential double-dipping ( since they may have claimed this as a tax loss ), and possible violations of the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist 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 2025-04-25 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: EQUIFAX, INC.
State: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry and account on my credit report.Please dispute and remove listed fraudulent inquiry and account from my credit report XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-04-25 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: GA

Complaint narrative:
I am writing to delete the following information from my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2025-04-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Using USAA 's internal online balance transfer request system I submitted a balance transfer request for the balance on my XXXX credit card in the amount of XXXX on XXXX XXXX. This transaction with USAA, despite not resending the information, nor refreshing the page, and with a stable internet connection was processed presumably by USAA 's digital system incorrectly. Instead of a single balance transfer request, 3 were submitted for identical amounts at the same time. 

Of these 3 one was declined, and two were processed and remain listed as pending with both XXXX and USAA. I obviously then reached out to USAA to correct what I at the time presumed would be an easy fix. All contacts with USAA were over the phone with initial call being made XXXX XXXX. At that time they were understanding and explained the issue would be looked into and contact would be made with me. Not having received further information and seeing no adjustments with either bank I then reached out to USAA on XXXX XXXX and was told the issue would be resolved by XXXX XXXX. 

USAA then provided a correction to the credit card balance, removing the overpayment on their credit card on approximately XXXX XXXX, so the balance was theoretically corrected with USAA. However, these charges continued to be listed as pending. This was also explained to me in a letter sent by USAA. 

Calling again on XXXX XXXX I was told the resolution to the payments and final posting would take up to 90 days. This means, as a result of an error on USAA 's part, my balance with XXXXXXXX XXXX will remain incorrect, as the transactions are pending, and I will continue to be unable to either pay XXXXXXXX XXXX, as I now have a credit, and will accrue interest during this timeframe at my own expense. 

90 days to finalize transactions and correct issues regarding balance transfers or credit card transactions is unacceptable, and whilst I am not a legal expert I do believe against federal standards in banking. I have exhausted my ability to resolve the issue with USAA directly and as these payments are being received by XXXX, they can not decline them. 

This issue may negatively impact my ability to accurately know and pay my credit cards, and as a result impact my credit, and will impact both accrued interest with XXXX, and ability to pay the card with them. As a result, it will affect me directly, financially negatively. USAA has been incredibly unhelpful and moved by far and away slower than any other financial organization I've been a customer of.

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