vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Demand to Delete Inaccurate & Fraudulent Accounts XXXX XXXX & Federal Law Violations This is NOT a dispute. This is a formal DEMAND TO COMPLY under 15 U.S.C. 1681e, 1681b ( e ) ( 6 ), 1681i ( 5 ) ( A ), and 18 U.S.C. 241. 

XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX  Acct # : XXXX Identity theft Additionally, I request a correction of inaccurate payment history on the following account : XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX  XXXX Acct # : XXXX Identity theft Action Requested : Correct payment history to 100 % Paid As Agreed / Never Late

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 2025-08-02 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:
Demand to Delete Inaccurate & Fraudulent Accounts XXXX XXXX & Federal Law Violations This is NOT a dispute. This is a formal DEMAND TO COMPLY under 15 U.S.C. 1681e, 1681b ( e ) ( 6 ), 1681i ( 5 ) ( A ), and 18 U.S.C. 241. 

XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX  Acct # : XXXX Identity theft Additionally, I request a correction of inaccurate payment history on the following account : XXXX XXXX XXXX XXXX  Acct # : XXXX XXXX  XXXX Acct # : XXXX Identity theft Action Requested : Correct payment history to 100 % Paid As Agreed / Never Late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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:
Demand to Delete Inaccurate & Fraudulent Accounts Metro 2 & Federal Law Violations This is NOT a dispute. This is a formal DEMAND TO COMPLY under 15 U.S.C. 1681e, 1681b ( e ) ( 6 ), 1681i ( 5 ) ( A ), and 18 U.S.C. 241. 

XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX XXXX XXXX Acct # : XXXX Identity theft XXXX  Acct # : XXXX Identity theft Additionally, I request a correction of inaccurate payment history on the following account : XXXX XXXX XXXX BANK Acct # : XXXX XXXX  XXXX Acct # : XXXX Identity theft Action Requested : Correct payment history to 100 % Paid As Agreed / Never Late

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 2025-08-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: MO

Complaint narrative:
XXXX called me about a missed payment and I set up auto pay. They took the money out of my account for XXXX then the money returned to my account with no reason. They then didn't try to take the money again and wouldn't allow me to make a payment. I called and they tried again but I am now unable to access my online account to make any payments. I then went to the local office and they told me they can't help with it and I need to mail the check to their office in Rhode Island. I have mailed XXXX checks to them and all of them have mysteriously gone missing in the mail. It's been months of this and I'm still unable to pay my mortgage and they won't work with me or give me any way other than mailing a check, but they won't receive the checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NC

Complaint narrative:
To : Credit Reporting Agency Subject : Request for Removal of Unverifiable Account Dear XXXX XXXX Department, I am writing to notify you to formally request the removal of an account from my credit report as reported by [ Experian, Equifax, or TransUnion ]. This request is based on a recent deletion of an account by XXXX, XXXX of the XXXX major credit reporting agencies. I recently disputed a charge-off to XXXX regarding a XXXX XXXX account that was listed as a charge-off with a balance of {$880.00}. 
Following my formal dispute, XXXX completed its investigation and, on XX/XX/year>, deleted the XXXX XXXX account in its entirety from my credit report. This deletion indicates that the account was unverifiable and/or inaccurate, and XXXX, in accordance with the Fair Credit Reporting Act ( FCRA ), was required to remove it. 
Therefore, I am requesting that you immediately delete this same unverifiable account from your records. Pursuant to the FCRA, any account that can not be verified by XXXX CRA and is subsequently removed must be treated similarly by all other CRAs to ensure the accuracy and integrity of consumer reporting. 
Legal Grounds for Request : Under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ( a ) ( XXXX ) ), when an account is found to be inaccurate or unverifiable during a reinvestigation, the credit reporting agency must promptly delete the item and not reinsert the information unless the furnisher verifies its accuracy. If XXXX could not verify the accuracy of this XXXX account and removed it, you are now on notice that continuing to report this item may constitute willful noncompliance. 
Furthermore, under 15 U.S.C. XXXX ( b ), you are legally obligated to maintain only accurate and verifiable information. Continuing to report an account already deemed unverifiable by another CRA violates this statute. 
If you fail to remove this unverifiable and disputed XXXX account within XXXX  days of receiving this notice, you will be in violation of federal law, and I will exercise my right to take further action. This includes filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) and seeking damages under 15 U.S.C. XXXX and XXXX, which grant me the right to pursue legal action for willful and negligent noncompliance. 
Action Requested : Delete the XXXX XXXX account ( charge-off for {$880.00} ) from my credit report immediately. 
Send me written confirmation that the item has been deleted. 
Ensure compliance with the FCRA to avoid further action. 
I have attached proof of the deletion from XXXX and a copy of my government-issued ID for verification purposes. If you need additional information from me, do not hesitate to contact me in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have submitted a dispute in regards to this issue XXXX before and have gotten a response that everything has been cleared under my name. I have previously advised your office that I have not open or obtained an account, nonetheless, a credit with BARCLAYS BANK DELAWARE or any of the affiliates. I have confirmed and advised BARCLAYS BANK DELAWARE that I have not requested a credit card and that the address that the card was used to be open, is and was not my address of residency. I am not sure as to why and how this was done under my name and how BARCLAYS BANK DELAWARE approved a credit under my name, without doing any further review and confirmation. Given the fact that BARCLAYS BANK DELAWARE has the right to investigate and obtain all necessary information prior to approving any credits, BARCLAYS BANK DELAWARE has failed to uphold that duty and has caused my information to be used in a scam. Furthermore, BARCLAYS BANK DELAWARE must have gotten signatures along with other identifying information prior to opening an account under my name and failed to do so under the law and regulation of California along with the Federal laws that BARCLAYS BANK DELAWARE must comply with prior to approving any credit card/lines to anyone. Pursuant to BARCLAYS BANK DELAWARE 's online advertisement, BARCLAYS BANK DELAWARE encourages people to use their online system to apply for a credit card and states that its the " quickest '' way to get approved. I did not get a card for approval nor did I get anything in the mail from BARCLAYS BANK DELAWARE stating that my information was used or attempted to be used in order to open an account. Thus, BARCLAYS BANK DELAWARE has failed its duty, under California consumer laws and regulations by properly requesting necessary information and documentation to approve a card under my name. Moreover, BARCLAYS BANK DELAWARE violated federal laws when it approved a card under my name to someone else and is exposed to selling and/or buying my information under different affiliates, exposing them to a lawsuit under California 's due diligence acts and approval under misrepresented information and/or documentations. With that said, I am requesting for BARCLAYS BANK DELAWARE to immediately withdraw the charge off from my credit as I have previously stated that I did not own to account nor made any used of it.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I discovered this fraudulent activity on XX/XX/scrub>XXXX XXXX XXXX and I have taken the necessary steps to protect my identity, including placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

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 2025-08-02 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, GA XXXX [ Todays Date ] To : [ Experian / Equifax XXXX TransUnion choose XXXX per letter ] [ Address of credit bureau ] Subject : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank Dear [ XXXX XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute an entry on my credit report under the Fair Credit Reporting Act ( FCRA ). 

Creditor Name : XXXX XXXX XXXX Account Type : Revolving Credit Reported Balance : {$530.00} XXXX XXXX : {$350.00} Opened : XX/XX/year> Status : Closed I am disputing this account because [ choose XXXX ] : The balance is incorrect The account status is outdated This account is not mine This account has already been paid This information is otherwise inaccurate or unverifiable Please investigate and remove or correct this entry as required by the FCRA. I have included a copy of my ID and a screenshot of the account in question. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX last XXXX of ss XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
All the accounts with XXXX XXXX on them can you permanently delete because I been hacked and phone copied like an XXXX or laptop or tablet or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: SC

Complaint narrative:
I am submitting this formal complaint regarding Experian 's violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. 
On XX/XX/XXXX,, I disputed several fraudulent accounts and provided Experian with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Experian failed to block the disputed items within the four business days required by 605B and instead verified the accounts without disclosing the sources or evidence of verification, violating 611s mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as Andrews v. TRW Inc. and Menashe v. Bank of New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX  bulletin underscores Experian 's failure to uphold consumer protections under the FCRA.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I contacted this company XXXX years ago and asked for them to validate the debt. I never received written documentation to validate this purported debt : XXXX. A copy of the purchase agreement between you and the original creditor who sold the debt to you which proves you are the actual owner of the debt. 
XXXX.The assignment contract between you and the original creditor Please note that a list of charges is not validation of a debt This is not my acceptance or agreement of this debt but my notice of cease and desist of all further collection activity and reporting to my credit report until you are able to validate the above-referenced claim with the assignment contract from the original creditor along with the bill of sale which proves you bought the debt from the original creditor and are the rightful owner of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I received a invitation from lane bryant and i was approved .i received an email saying i was approved but never received the card. i would like my card sent to me asap i dont want anyone using it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: UPGRADE, INC.
State: TX

Complaint narrative:
Re : Account Number [ Insert Account Number ] Subject : Request for Debt Validation Under FDCPA 809 To Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt. 

Please provide the following information : Proof that I am legally obligated to pay this debt ( e.g., a copy of the signed contract or agreement ). 

A detailed breakdown of the debt, including : The original creditors name and address. 

The amount of the original debt. 

Any interest, fees, or charges added and how they were calculated. 

The date the debt allegedly became due. 

Verification that your company is licensed to collect debts in my state. 

Any documentation showing you have the legal right to collect this debt. 

Until you provide proper validation, I dispute this debt and request that you : Cease all collection efforts. 

Do not report this debt to any credit bureaus. 

Remove any existing reports if the debt can not be validated. 

Additionally, if this debt has been sold or transferred, provide documentation proving the chain of ownership. 

Under the FDCPA, you must cease collection activities until you provide verification. Failure to comply may result in legal action. 

Please send all correspondence in writing to the address above. I do not authorize phone calls regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: John C. Heath, Attorney at Law, PLLC
State: PA

Complaint narrative:
Lexington Law Had a lawsuit against them. They sent checks out but I never opened my mail up I threw it away after I heard my information was missing used. They sent my family a check we were using Lexington Law the same time. So I no I should have a check as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: CA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I discovered this fraudulent activity on XX/XX/year>, and I have taken the necessary steps to protect my identity, including placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM WRITING TO REQUEST A GOODWILL ADJUSTMENT TO REMOVE THE CHARGE-OFF LISTED ON MY CREDIT REPORT FOR THE LISTED ACCOUNTS WITH A {$0.00} BALANCE. DURING THE TIME OF DELINQUENCY, I FACED SEVERE FAMILY HARDSHIP BEYOND MY CONTROL. AND DESPITE PAST FINANCIAL DIFFICULTIES I HAVE SINCE IMPROVED MY FINANCIAL HABITS. I WOULD SINCERELY APPRECIATE YOUR ASSISTANCE IN HELPING ME REBUILD MY CREDIT. WITH MY SITUATION STABILIZED, I RESPECTFULLY REQUEST YOUR SUPPORT IN REMOVING THE NEGATIVE MARKS FROM MY CREDIT REPORT. 



XXXX XXXX XXXX $ BALANCE CLOSED ) XXXX ( {$0.00} BALANCE CLOSED ) XXXX XXXXXXXX XXXX ( XXXX BALANCE SHOWING BUT PAID TO {$0.00} BALANCE ) XXXX XXXX XXXX ( XXXX $ BALANCE CLOSED ) XXXX  XXXX ( CLOSED {$0.00} BALANCE ) XXXX ( CLOSED {$0.00} BALANCE ) XXXX XXXX ( {$0.00} BALANCE CLOSED ) XXXX XXXX XXXX  ( {$0.00} BALANCE CLOSED ) XXXX XXXX XXXX ( {$0.00} BALANCE CLOSED ) XXXX XXXX INNCORRECT AMOUNT SHOWING $ XXXX PAID TO {$0.00} ) ACCOUNT # XXXX ( {$0.00} BALANCE CLOSED ) ACCOUNT # XXXX XXXX XXXX XXXX ( INCORRECT BALANCE SHOWING $ XXXX BALANCE IS {$2500.00} )

Company response to consumer: Closed with non-monetary relief