vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I am reporting a fraudulent credit card account being reported under COMENITYCBXXXX XXXX XXXX XXXX account number ending in XXXX, which I did not open, authorize, or use. This account does not belong to me and was opened without my knowledge or consent, making it a clear case of identity theft. 

I have never applied for or used a Banter credit card and have no relationship with this retailer or ComenityBank. I only became aware of this account when reviewing my credit report, where it is being reported as charged off with a balance of {$240.00}. I immediately filed disputes with the credit bureaus, but the account continues to be reported as valid and verified, despite my formal statement of identity theft. 

ComenityBank has not provided any verification, original signed agreement, or transactional records to prove I opened or used this account. Under FCRA 1681c-2, I have the right to block fraudulent tradelines, and under 623 ( a ) ( 6 ), a furnisher must not report information it knows to be the result of identity theft.

Continued reporting of this fraudulent account without any supporting evidence is a violation of : FCRA 1681i ( a ) Failure to conduct a reasonable reinvestigation, FCRA 605B Failure to block identity theft-related information, and FCRA 616 & 617 Willful and negligent noncompliance with consumer protections. 

Supporting case law includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) Credit furnishers can not rely solely on ACDV responses ; they must verify disputed data. 

Novella v. XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) Identity theft victims can not be held liable for unauthorized debts. 

XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX  XXXX ) Furnishers who fail to conduct meaningful investigations into disputes violate the FCRA. 

I am requesting immediate removal of this fraudulent account from all credit reports. 

What would be a fair resolution to this issue? ( Paste into the next box ) I am requesting : Permanent deletion of the COMENITYCB/XXXX XXXX XXXX XXXX  account ending in XXXX from all three credit bureaus. 

A written confirmation that this account has been marked as fraudulent, closed internally, and will not be sold, transferred, or collected on. 

A report of the investigation results, and the source used to verify this account ( if any ). 
If the furnisher can not produce a signed contract or clear usage history confirming this account is mine, it must be removed in accordance with FCRA 605B and related protections.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NAVY FEDERAL CREDIT UNION
State: SC

Complaint narrative:
Dear XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt, including evidence establishing that I am the party obligated to settle this debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of Last Activity.

4. Full, accurate social security number that may help to identify me as the correct person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name. 
2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly.

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 2025-05-08 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:
Date : XX/XX/year> To : XXXX  XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Subject : Identity Theft Dispute Unauthorized Collection Accounts Reporting on XXXX XXXX XXXX XXXX Dear XXXX  XXXX XXXX, I am writing to formally dispute the presence of multiple unauthorized collection accounts currently reporting on my XXXX  credit file. These accounts are not mine, and I am demanding that they be permanently deleted in accordance with federal law. 
I recently became aware that I am a victim of multiple identity theft incidents, including exposure through the XXXX  data breach. As a beautician by trade, Ive never needed to rely on credit, as I operate primarily with cash payments. I have never opened or authorized the following accounts, which are now harming my credit report : Disputed Collection Accounts : XXXX. XXXX XXXX XXXX {$580.00} XXXX. XXXX XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$1400.00} XXXX. XXXX XXXX XXXX XXXX - {$0.00} Applicable FCRA Laws and Legal Justification for Permanent Deletion : 1. 15 U.S.C. 1681e ( b ) Duty to Ensure Maximum Possible Accuracy XXXX  must maintain reasonable procedures to ensure the maximum possible accuracy of the information it reports. Reporting accounts that were fraudulently opened violates this statute. 

2. 15 U.S.C. 1681c-2 Blocking of Information Resulting from Identity Theft When identity theft is reported and properly documented, XXXX  is required to permanently block the fraudulent information from reappearing on the credit file. 

3. 15 U.S.C. 1681b Permissible Purpose Consumer reports can only include information obtained for a lawful and authorized purpose. None of these accounts were authorized by me.

4. 15 U.S.C. 1681n & 1681o Civil Liability for Willful or Negligent Noncompliance If XXXX  fails to comply with these provisions, it is subject to civil liability, including statutory and punitive damages. 

My Formal Requests : 1. Immediately and permanently delete all three collection accounts listed above from my XXXX  credit file 2. Block these accounts from being reinserted under 15 U.S.C. 1681c-2 3. Provide me with a written confirmation that these accounts have been deleted 4. Ensure that all further actions taken on my file are compliant with FCRA obligations Please consider this letter as part of my formal identity theft claim. I will be submitting my FTC Identity Theft Report and supporting documents, including my ID and Social Security card, as part of my complete dispute package. I expect swift and lawful action in resolving this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: CL Holdings LLC
State: SC

Complaint narrative:
On XX/XX/year>, I received an alert for a new collection account on my credit report from a company called Jefferson Capital Systems for the amount of {$1200.00}. I never received any validation or notification about this debt prior to seeing it on my credit report. 

I have never heard of this company, never received any bills, notices, or communications from them, and have not been provided any validation of this alleged debt. 

This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692g, which requires a collector to provide written validation within 5 days of first contact. No such contact or validation was made and as a result this has damage my credit standing. 

This also raises privacy concerns, as my report was exposed without any verification of identity or notice of the collection activity beforehand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CT

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 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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 
The following accounts are results of data XXXX/Identity theft! Please take action and remove them from my credit report asap! 
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 explanation
Consumer complaint received 2025-05-08 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:
Recently I looked at my credit file and found info that can't be verified and info that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of data trafficking/Identity theft! Please take action and remove them from my credit report asap! 

Account Name : XXXX XXXX XXXX  XXXX * * * * Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * * * Date Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX * * * * Date Opened 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 2025-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Io, Inc.
State: VA

Complaint narrative:
On XXXXXX/XX/year> I received a letter from Receivables Managment Systems stating I owe a dept that is not owed. I know nothing of this dept I have never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NC

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for XXXX XXXX XXXX XXXX XXXX XXXX [ Specifically, Transunion and Experian are reporting a 30 late payment for XX/XX/year> but Equifax reporting a 30 day late payment XX/XX/year> ] These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to 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 2025-05-08 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:
The presence of this late payment on my account is concerning, as I have consistently paid on time. This inaccuracy is causing undue frustration, and I urge you to correct it by removing the erroneous mark 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 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: MO

Complaint narrative:
I am disputing a collection account by Credence Resource Management ( Acct # : XXXX XXXX XXXX XXXX  ). They have failed to validate the alleged debt.

I requested : The original signed contract Chain of title IRS documentation Full accounting under UCC 9-210 SSA-89 form They must cease all communication and credit reporting under 15 USC 1692a and 1692g until full validation is provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a XXXX document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 disputing inaccurate late payment reporting on XXXX account by Transunion : XXXX XXXX  XXXX opened XX/XX/XXXX, reporting lates as of XX/XX/XXXX The furnishers have violated the Fair Credit Reporting Act ( FCRA ) by : 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Reporting with actual knowledge of errors. I previously disputed and they indicated it was verified but since the information is incorrect they are willfully reporting the inaccurate information.

15 USC 1681e Failing to maintain proper procedures for accuracy and reinvestigation. I also sent certified and regular mail of the inaccurate information.

15 USC 1681a & 1681s-3 Improper disclosure of my consumer transaction data. They are reporting the late fees which is a transaction and an experience which they should not be reporting on my consumer report. Late is a transaction and an experience which is a violation of the stated law above, 15 USC 1681a & 1681s-3 Improper disclosure of my consumer transaction data. 

Additionally, repeated stall letters indicate noncompliance with proper dispute handling.

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 2025-05-08 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 am sending to formally dispute the accuracy and validity of several collection account entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate correction or removal of these accounts from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
I am sending to formally dispute the accuracy and validity of several collection account entries currently listed on my credit report. In accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting full validation and, if appropriate, immediate correction or removal of these accounts from my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation