vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-18 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: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the inaccurate and unfair reporting of a late payment on my credit report associated with the account number XXXX.This late payment is completely unacceptable and unjustified. I demand that you investigate this matter immediately and take corrective action to remove this derogatory mark from my credit report without delay. 

COMENITYBANK/VICTORIA ( 2 late payments ) Account number : XXXX According to the Fair Credit Reporting Act ( FCRA ), you are legally obligated to ensure that any information reported to the credit bureaus is accurate and verifiable. The reported late payment is erroneous, and unless you can provide concrete and documented proof that this payment was indeed late including a detailed payment history you are required to delete this negative mark immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: AES/PHEAA
State: IL

Complaint narrative:
Giving XXXX and XXXX XXXX access to my personal information is violating my personal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: MI

Complaint narrative:
I have tried to reach out to ALL financial several times and no response or reply from them. they have changed my account status on my credit report several times from current to charge off. i have discovered that XXXX XXXX has sold my account to a XXXX party, but has not reached out to me to discuss my account. I turned my lease back in to XXXX XXXX and never had a missed payment. I have sent this

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have tried to reach out to ALL financial several times and no response or reply from them. they have changed my account status on my credit report several times from current to charge off. i have discovered that XXXX XXXX has sold my account to a XXXX party, but has not reached out to me to discuss my account. I turned my lease back in to XXXX XXXX and never had a missed payment. I have sent this

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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX  is reporting an initial deliquency at 60 days. We have proof and bank statements that the mortgage was paid at this time. Additionally, they never reported it at 30 days which means this report is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see XXXXrifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXXXXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} Charged off XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Charged off XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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 am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see XXXXrifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXXXXXX XXXX XXXXXXXX **** Date Opened : XX/XX/XXXX Balance Owed : {$6300.00} Charged off XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$33000.00} Charged off XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX 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 2025-03-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-18 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: VA

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 2025-03-18 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I have had my identity stolen getting close to up to a year ago and there remains a charge for $ XXXX on my experian credit report. I have tried to dispute it and I am an extremely busy father to a XXXX XXXX XXXX and I work XXXX hours a week. Naturally because of how busy I am, I have had difficulty advocating for myself and my credit score and financial situation keeps on spiraling out of control as a result of this identity theft. I am overwhelmed by the scenario and every customer service representative either email or phone has not helped me in the slightest bit. I have spoken to the company involved " Affirm Inc. '' who I never did business with and they told me in the past purchase was for a XXXX product. I do not even own a single thing in my house that's from XXXX and I never ever have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: FL

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. I want this unauthorized inquiries account blocked from my credit report within 5BD

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 2025-03-18 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: GA

Complaint narrative:
" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent.

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"

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 2025-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: WI

Complaint narrative:
used Zelle and someone fraudulently sent money from my account that I did not authorize. I was told I can not get my money back- in 2023 for {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: PA

Complaint narrative:
Subject : Formal Complaint Against Chime Bank To Whom It May Concern, I am writing to formally file a complaint against Chime Bank regarding the closure of my credit builder account and the retention of my funds. 

I recently filed for bankruptcy and owe nothing to Chime.I dont know how they got involve but i still have an checking and saving account. However, they closed my account and have withheld {$400.00} of my money. After waiting the suggested 30 days, I contacted customer service only to be told that I would never receive my funds back. The representative was rude and hung up on me, leaving me without a resolution. 

As a single parent, this situation has caused me significant stress, and I believe I am being treated unfairly. I kindly request that your organization look into this matter and assist me in retrieving my funds.I was told there s no refund Thank you for your attention to this issue. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( an unelected official ) instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. XXXX is a XXXX federal law that regulates access and disclosure of student education records and XXXX has clearly violated this law. 

XXXX XXXX XXXXXXXX XXXX Current Owner XXXXXXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX XXXX XXXX  Current Owner XXXX XXXX XXXX XXXX XXXXsbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type DIRECT School XXXXXXXX XXXX  Current Owner XXXX XXXX XXXX XXXX  Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type DIRECT School XXXX XXXX Current Owner XXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : 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 2025-03-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( an unelected official ) instructed his team of XXXX XXXX XXXX XXXX XXXX XXXX XXXX to gain access to multiple internal systems within the Department of Education, including the financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid programs. My information was among that dataset that has been compromised. XXXX is a XXXX federal law that regulates access and disclosure of student education records and XXXX has clearly violated this law. 

XXXX XXXX XXXXXXXX XXXX Current Owner XXXXXXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Current Balance {$5800.00} XXXX XXXX XXXX XXXX  Current Owner XXXX XXXX XXXX XXXX XXXXsbursement Date XX/XX/XXXX Current Balance {$9000.00} Loan Type DIRECT School XXXXXXXX XXXX  Current Owner XXXX XXXX XXXX XXXX  Disbursement Date XX/XX/XXXX Original Principal {$8000.00} Current Balance {$15000.00} Loan Type DIRECT School XXXX XXXX Current Owner XXXX XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$5600.00} Current Balance {$9600.00} Total Current Balance : {$40000.00} Total Number of Loans : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-18 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year> 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company 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 2025-03-18 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-03-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 TransUnion credit report 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 consist of a personal credit card account opened at XXXX XXXX XXXX date opened XX/XX/XXXX, account number XXXX, and XXXX XXXX  date opened XX/XX/XXXX, account number XXXX and credit inquiries with XXXX credit on XX/XX/XXXX, XXXX XXXX XXXX XXXX three time on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent reported. The aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint { case number } as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the results 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 non-monetary relief
Consumer complaint received 2025-03-18 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: Kriya Capital, LLC
State: CA

Complaint narrative:
As I'm reviewing my accounts I'm not understanding why is it fraud on my account when everyone knows I'm a human trafficking survivor and identity theft victim! I will be up loading my fraud affidavit that is notarized these aren't my accounts. 

And I am now demanding monetary relief this is damaging my score after I stated and you all have proof these aren't mines! I do now have XXXX and I will be having the attorney come after each creditor

Company response to consumer: Closed with non-monetary relief