vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/year> XXXXCOMENITY/NY & CO XXXX 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : XXXXCOMENITY/NY & CO. , ACCOUNT XXXX XXXX XXXX, BALANCE : {$1000.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT listed BELOW be UPDATED to PAID/NEVER LATE OR PAID AS AGREED IMMEDIATLY ACCOUNT NAME : XXXXCOMENITY/NY & CO., ACCOUNT XXXX XXXX XXXX XXXX BALANCE : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the information on my credit report as it pertains to the accounts listed below. I believe these entries contain inaccuracies or are otherwise being reported incorrectly. The accounts are detailed under the corresponding bureaus. 

CHARGED OFF XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Duplicate reporting. The same account is reported twice. 

XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Dispute Reason : Not my account. Please verify ownership and provide documentation of my consent. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$750.00} Dispute Reason : I have no knowledge of this account. Please provide supporting documents to verify this account. 

XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$650.00} Dispute Reason : Incorrect balance reported. This account should be marked as settled or paid. 

Inquiries CAP XXXX NA - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX Late Payment XXXX XXXX  Account Number : 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 2025-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
The first charge : XXXX XXXX XXXX  {$54.00} charged XX/XX/year> The second and third charges : XXXX XXXX XXXX XXXX {$11.00} charged XX/XX/year> and {$83.00} charged XX/XX/year> I never heard of these companies and didn't want to encourage them, so I didn't call them. I notified my credit card, XXXX XXXX XXXX  now run by Citi Retail Services Citibank Online. They were no help at all. Attached are screenshots showing the charges on my credit card and a photo of the message XXXX XXXX showed when I tried to dispute this charge.

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 2025-11-14 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: VA

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 non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Self Financial Inc.
State: NY

Complaint narrative:
I am having an issue with SELF, the credit building company. They have a credit card that I got about a few months ago but somebody stole my credit cardand I had ordered a replacement on XX/XX/year>. I still have yet to receive that card. It is now XX/XX/year>. I tried calling numerous time to talk to someone, but they are all automated. I couldnt speak to anybody. I tried to use the chat support. Thats another automated problem. Couldnt speak to anybody. I at least wanted to know if my card would send out because I havent gotten any updates. No emails know anything on my card and I really need it. I did it twice because I wasnt sure if there was a confirmation afterwards letting me know anything there wasnt no shipment day.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I went to XXXX to purchase a car, in which XXXX took my credit application and executed a Retail Installment Contract without my knowledge. XXXX offered me the car for XXXX, added an extra XXXX, and then printed out a retail installment contract for XXXX! I informed XXXX that I had never seen the installment contract and that my signature was forged, XXXX denied allegations. I sent XXXX a notice of fraud and they towed my car at XXXX XX/XX/10.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 requesting an investigation into the following Experian entries that I believe contain inaccuracies or unverifiable information. I am exercising my rights under the FCRA to ensure that only fair and correct data is included in my credit file. 

CHARGED-OFF ACCOUNTS ( EX ) XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$6100.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX Balance : {$200.00} XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$710.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Balance : {$150.00} INQUIRIES ( EX ) XXXX XXXX XXXXXXXX Date : XX/XX/XXXX LATE PAYMENTS ( EX ) XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX  data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Terrill Outsourcing Group
State: CA

Complaint narrative:
I contacted XXXX XXXX by email on XX/XX/year> regarding a debt they are reporting as the current owner of XXXX XXXX XXXX XXXX accounts ( ending in XXXX and XXXX ). I requested validation and clarification of ownership because this item is showing on my XXXX  credit report as owned or placed by XXXX XXXX 

Instead of receiving a response from XXXX XXXX, I received a letter from XXXX XXXX XXXX even though XXXX XXXX XXXX  has already sold this debt and no longer owns or services the account. This is contradictory, misleading, and prevents me from resolving the issue properly. If XXXX XXXX is the current owner, I should not be receiving communications about this account from a previous creditor. 

To date, XXXX XXXX has not provided validation, has not acknowledged my written request, and has not provided accurate reporting information. The information appearing on my credit report is inconsistent with the documentation I received. This creates confusion, violates my rights to proper verification, and appears to reflect improper or inaccurate reporting under the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX is attempting to collect or report a debt without providing the required verification, and they forwarded my request to an entity that no longer owns the account. This delays resolution and creates inaccurate credit reporting. 

I am asking the CFPB to review the ownership, reporting accuracy, and lack of proper validation by XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
XX/XX/year> JPMCB CARD XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT : JPMCB CARD, ACCOUNT NUMBER : XXXX, BALANCE : {$2100.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT listed BELOW be UPDATED to PAID/NEVER LATE OR PAID AS AGREED IMMEDIATLY ACCOUNT NAME : JPMCB CARD, ACCOUNT NUMBER : XXXX, BALANCE : {$2100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Collection Management Holdings, LLC
State: NJ

Complaint narrative:
Over the past year this company and/or their collection agency Collection Management has been calling and texting me repeatedly about an alleged {$750.00} debt that I believe is medical in nature and is now being reported on my Experian credit report as a derogatory collection.

They call and text me almost every other day, very often at inappropriate hours, including late at night and early in the morning. For example, they have called or texted me on or about : XX/XX/year> around XXXX XXXX 
XX/XX/year> around XXXXXXXX XXXX 
XX/XX/year> around XXXXXXXX XXXX 
XX/XX/year> around XXXXXXXX XXXX 
XX/XX/year> around XXXXXXXX XXXX 
XX/XX/year> around XXXX XXXX 
XX/XX/year> around XXXXXXXX XXXX 

This pattern of contact ( often after XXXX XXXX. and sometimes as early as XXXX XXXX ) has continued for months and feels like harassment. 

I have never received a clear, itemized bill or proper validation of this debt, and I believe it may fall under the CFPBs medical debt rules that should limit or restrict how it is reported on credit reports. Despite this, Experian is still reporting it as a derogatory collection, which is harming my credit. 

I am requesting that the CFPB investigate this account and the conduct of both the collector and Experian, require proper validation of the debt, and have the collection removed from my credit reports if it is not valid or not being reported in compliance with current medical debt and credit reporting rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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 disputing the following items on my Experian credit report. Upon reviewing my report, I found inaccuracies related to the following charged-off accounts, inquiries, and late payments : Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} Inquiries : XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  Date of XXXX : XX/XX/XXXX Late Payments : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-14 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: MI

Complaint narrative:
I am filing a dispute regarding certain inaccurate and incomplete items on my credit report. Below are the accounts in dispute, separated by bureau, for your review and investigation. 

CHARGED OFF XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$720.00} Dispute Reason : The information reported under this account appears to be incorrect. Please verify and remove or correct it. 

XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$6900.00} Dispute Reason : This accounts reporting seems to be incorrect. I request verification or removal if the account can not be validated. 

XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$800.00} Dispute Reason : The information reported is incomplete and inaccurate. Kindly verify or remove this account. 

XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1000.00} Inquiries XXXX XXXX Date of Inquiry : XX/XX/XXXX Dispute Reason : This inquiry appears to be inaccurate or unauthorized. Please investigate and remove if necessary. 

XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : 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 explanation
Consumer complaint received 2025-11-14 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: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief