vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
I am filing this complaint because multiple credit bureaus have failed to remove fraudulent accounts from my credit reports despite my submitting a valid FTC Identity Theft Report and formal FCRA disputes. 

The following accounts were opened without my authorization and are the direct result of identity theft : XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX submitted disputes to the credit bureaus along with my FTC Identity Theft Report and supporting evidence. However, the bureaus have not complied with their obligations under FCRA 605B and 611, including the requirement to block fraudulent information and properly investigate disputes. These accounts remain on my reports, causing significant harm, inaccurate reporting, and financial damage. 

These entities continue to report fraudulent information even after being notified of the identity theft and receiving documentation. Their failure to block, delete, or properly reinvestigate violates 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 2025-11-23 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: NY

Complaint narrative:
credit inquiries that i did not authorized 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 2025-11-23 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: CA

Complaint narrative:
The following reporting account is fraudulent, please remove now. Trans union reports XXXX opened XXXX with the following account number XXXX {$1200.00}.

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 2025-11-23 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: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Report Information Report Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy of certain information listed on my credit report. I recently obtained a copy of my report and found several items that are either inaccurate, unverifiable, or outdated. Please investigate the following accounts under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
1. XXXXXX/XX/XXXX Status : Reported as Charged Off with {$2000.00} Dispute : I believe this account is inaccurately reported. I have no record of an outstanding balance or charge-off with XX/XX/XXXXXXXX XXXX Please verify the accuracy of the charge-off status, payment history, and balance. If unverifiable, please delete this account from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC Not mine never had a visa credit card with XXXX XXXXr XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX has been violated on me to hurt. Company is rude and harassing XXXX use any information to blame others to get what they want XXXX was committed on me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX : XX/XX/year> Subject : Formal Dispute of Inaccurate Credit Report Information Report Date : XX/XX/year> To Whom It May Concern, I am writing to formally dispute the accuracy of certain information listed on my credit report. I recently obtained a copy of my report and found several items that are either inaccurate, unverifiable, or outdated. Please investigate the following accounts under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
1. XXXXXX/XX/XXXX Status : Reported as Charged Off with {$2000.00} Dispute : I believe this account is inaccurately reported. I have no record of an outstanding balance or charge-off with XX/XX/XXXXXXXX XXXX Please verify the accuracy of the charge-off status, payment history, and balance. If unverifiable, please delete this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
n XX/XX/year>, I discovered multiple accounts and inquiries appearing on my credit report that I did not authorize. These include a credit card account with a reported balance of approximately {$30000.00} and an auto loan with a reported balance of about {$43000.00}. I did not apply for these accounts, and I never gave permission for my information to be used to obtain credit. 
In addition to these fraudulent accounts, several hard inquiries were made without my knowledge or consent between XX/XX/year> and XX/XX/year>. I did not submit any credit applications during this period, nor did I authorize any third party to do so on my behalf. 
As soon as I noticed these issues, I reviewed my credit reports and contacted the appropriate parties to dispute the accounts and inquiries. I am submitting this explanation so the companies involved can investigate the fraud, block the unauthorized items, and prevent further misuse of my information. 
If you'd like, I can also format this into a fraud affidavit, FCRA 605B block request, or include additional details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
n XX/XX/year>, I discovered multiple accounts and inquiries appearing on my credit report that I did not authorize. These include a credit card account with a reported balance of approximately {$30000.00} and an auto loan with a reported balance of about {$43000.00}. I did not apply for these accounts, and I never gave permission for my information to be used to obtain credit. 
In addition to these fraudulent accounts, several hard inquiries were made without my knowledge or consent between XX/XX/year> and XX/XX/year>. I did not submit any credit applications during this period, nor did I authorize any third party to do so on my behalf. 
As soon as I noticed these issues, I reviewed my credit reports and contacted the appropriate parties to dispute the accounts and inquiries. I am submitting this explanation so the companies involved can investigate the fraud, block the unauthorized items, and prevent further misuse of my information. 
If you'd like, I can also format this into a fraud affidavit, FCRA 605B block request, or include additional details.

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 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I paid a collection account with XXXX on [ DATE ]. XXXX confirmed the account would be removed from my credit report upon payment. My Equifax credit report still shows this collection. I am requesting that the account be permanently deleted from my credit report and that I receive written confirmation of the removal. Proof of payment and XXXX confirmation is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
I canceled service in XXXX before activation due to XXXXXXXX XXXX XXXX failure to deliver equipment. An XXXX manager confirmed at the time that I owed {$0.00}. Despite this, XXXX placed a fraudulent collection account on my credit report in XXXX, and I received multiple texts from a debt collector ( Transworld Systems ), despite never receiving formal written notice about the supposed debt from either XXXX or the debt collector. After I disputed this, the collection was removed from my credit report, BUT XXXX has refused to provide written confirmation that the account balance is XXXX. I am requesting a written letter from XXXX confirming that my account is closed with a {$0.00} balance and that I owe no money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: PA

Complaint narrative:
I am a victim of identity theft. These accounts do not belong to me and I dont understand how someone was able to do this and get a hold of my information! Please remove the following items, I have enclosed my passport for identification purposes as well as an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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:
Willful and ongoing FCRA violations, refusal to delete fraudulent bankruptcy and accounts resulting from identity theft, and continued disclosure of my nonpublic personal information in violation of GLBA 502. 
Amount of XXXX XXXX : Severe ( XXXX point credit score drop, repeated credit denials, higher interest rates, emotional distress, and ongoing collection harassment ). 
Relief Requested from CFPB : Order all three nationwide consumer reporting agencies to permanently delete within 10 calendar days the following fraudulent items : XX/XX/XXXX Bankruptcy CaseXX/XX/XXXXXXXX, filed XX/XX/XXXX, U.S. Bankruptcy Court, XXXXXX/XX/XXXX( XXXX ) All 14 associated tradelines listed below All three unauthorized hard inquiries listed below Impose maximum civil penalties for willful FCRA violations ( 15 U.S.C. 1681n ). 
Require written confirmation of deletion and corrected credit reports mailed to me within 15 days. 

Fraudulent Items That Must Be Deleted Immediately Bankruptcy XX/XX/XXXX XXXX, Filed XX/XX/XXXX, Case XX/XX/XXXXXXXX Court explicitly confirmed in writing ( XX/XX/XXXX letter attached ) that it does not transmit or initiate conveyance of data to credit reporting agencies. 

Fraudulent Tradelines ( 14 accounts XX/XX/XXXXLegal Violations Committed by All Three Bureaus FCRA 1681e ( b ) Failure to follow reasonable procedures to assure maximum possible accuracy FCRA 1681i ( a ) ( 1 ) & ( a ) ( 5 ) Failure to conduct a reasonable reinvestigation and delete unverifiable information within 30 days ( multiple disputes ignored ) FCRA 1681c-2 ( 605B ) Failure to block identity-theft information within 4 business days upon receipt of identity theft evidence GLBA 502 ( 15 U.S.C. 6802 ) Continued disclosure of my nonpublic personal information ( the entire fraudulent bankruptcy and tradelines ) without my consent Willful noncompliance Despite receiving the courts official letter proving the bankruptcy is unverifiable, the bureaus continue to report and sell this false data. 

Supporting Documents Already Sent to Bureaus ( attached again here ) XX/XX/XXXX official letter from U.S. Bankruptcy Court ( signed by Operations XXXX XXXX XXXX ) Drivers license & utility bill I am a victim of identity theft. The bureaus have had ample notice and irrefutable proof for months and have deliberately refused to delete these items. Their ongoing conduct is causing me daily harm. 
I respectfully request that the CFPB immediately open an investigation, issue supervisory orders for deletion, and impose the maximum penalties allowed for these willful violations.

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 2025-11-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX ( Charge-off / Derogatory )XX/XX/XXXXInstallment Loan Acct XX/XX/XXXXThis is my second request for a reinvestigation of the two XXXX XXXX accounts listed above. Your previous investigation was inadequate and failed to address the factual inaccuracies and Metro-2 compliance errors I previously noted.

Under 15 USC 1681i ( 7 ), I am exercising my right to request a description of the procedure used during the prior investigation, including : The methodology, The data furnishers contacted, The information provided by the furnishers, and All documentation relied upon to verify these accounts. 

You are required by law to provide this description within 15 days. 

Specific Issues with These Accounts : Account XX/XX/XXXXReported as derogatory/charge-off but shows {$0.00} past due, which is inconsistent. 

Dispute resolved ; reported by grantor is listed however, I never received proof of verification from the creditor. 

Payment history and dates appear incorrect and inconsistent with FACTA and Metro-2 reporting standards.

High credit, balance, status, and dates appear inaccurate and unverifiable. 

Account XX/XX/XXXX Account shows closed/current with no late payments, yet the reported dates and activity appear inconsistent. 

Reporting contains incomplete or unverifiable data that has not been validated. 

No documentation has been provided showing this account was verified. 

Because you failed to provide any actual proof of verification, these accounts remain unverified, making them legally required to be deleted

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 2025-11-24 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
dispute transaction date XX/XX/year> i contacted the company 15 to 16 days after i found out that the {$50.00} vanilla gift card was not working at any merchants shops they said i would have to fill out a complaint form so i did electronically sent it to them and waited for reply. After about 20 days i contacted them and they said they didn't receive it.sent me another form sent it right in and called them to see if received. they then told me 30 days was up. The merchant 's name is XXXX and the amount they had charged was {$49.00}. for nothing i ordered .. because the card wouldn't work from the day i received it .which was XX/XX/XXXX th this i know it was my birthday .. so i finally came across the dispute packet because my pc crashed and my friend retrieved things i forgot about .thankyou for your time XXXX XXXX ps. XXXX XXXX NAME IS XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
In XX/XX/XXXX I used Paypal Credit 's 12-month " easy '' payment promotional for a purchase of {$520.00}, which was added to 2 previous 24-month " easy '' promotional purchases. For all 3 promotional purchases, the monthly payment is {$100.00}. I have been paying this amount since XX/XX/XXXX, yet, the current balance on the promotional purchase that ends XX/XX/XXXX is {$160.00} instead of {$43.00}, which would be the final payment for this 12-month promotional period. The money I have been paying for the last year has been applied to the 24-month promotional balances that are not due until XX/XX/XXXX. This is extremely deceptive. When signing up, it was communicated that 12 easy payments would be applied so that the purchase would be paid off in the allotted time. This is not true. I have attached the most recent PayPal Credit Statement as proof.

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 2025-11-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX  XXXX XXXX. Per the terms of the card, ( I had the previous version of the card until I was offered the upgrade ) if you spend {$5000.00} on the credit card ( or {$10000.00} under the new program ) you will receive XXXX tier credits, which is equal to Platinum status for the following year. There is a {$140.00} annual fee for the card, and one of the perks with the card is being able to achieve the Platinum tier by using the card. All of this is included in the promo materials for the card. 

We have spent close to {$13000.00} on the card, but have not received any tier credits. It's also possible that we have spent amounts that are part of tier bonuses or extra promos, which we also don't know as we are not being credited correctly. The card is current and in good standing with the company. 

We reached out to the XXXX team directly in XXXX and confirmed that the spend was met on XX/XX/year> and it can take up to 60 days for the Tier Credits to show. They are not there. We are in XXXX XXXX this week, so we spoke with the team in the cage at XXXX XXXX who were very helpful when we spoke with XXXX reached out to the Visa Support team. However, there has been no update other than " we are looking into this ''. We are leaving XXXX XXXX tomorrow, XX/XX/year> and we went to the cage today for an update or to find a way to follow up on this. We were told we can call the XXXXXXXX XXXX  XXXX number and ask to speak to the cage. 

We have already done this. It's been 4 days since this issue was communicated to the team, and it's been since XXXX that we reached out to XXXX and received confirmation that the amount had been reached. 

It's clear that there is no concern on the part of XXXX to resolve this issue. We have been told by the team that the spend has been met. The team in the cage at XXXX 's is also able to see that we continue to spend on the card, but their system shows no Tier Credits, which is the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 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: MA

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report please remove these accounts from my report they are hurting my ability to obtain credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
CFPB Complaint Summary ( Aggressive + Legally Focused ) I am filing this complaint because three accounts on my credit reports are being reported inaccurately, inconsistently, and without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

The accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  Each of these accounts has conflicting dates, incorrect status codes, incomplete Metro-2 fields, and unverified information across XXXX, Equifax, and XXXX. The credit bureaus continue to verify these items without providing any proof or validating documentation, which violates FCRA 602, 607, 611, and 623.

I have submitted dispute letters, yet the bureaus failed to properly investigate or correct the errors. This inaccurate reporting is causing ongoing financial harm, including denial of credit, higher interest rates, and damage to my credit standing. 

I am requesting CFPB intervention to ensure : A full, lawful reinvestigation Furnishers provide actual documentation, not automated responses Deletion of any item that can not be verified with complete accuracy Attached are the dispute letters and supporting information.

Company response to consumer: Closed with explanation