vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
In XX/XX/year>, the account XXXX XXXXXXXX XXXX was permanently deleted from my credit history as the result of a prior formal dispute and an FTC Identity Theft Report ( FTC Report # XXXX ) confirming that the account was opened without my authorization. However, in XX/XX/year>, the account was unlawfully reinserted into my credit report without prior notice, without the written certification required from the data furnisher, and without my consent. 

This reinsertion violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 15 U.S.C. 1681c-2 ( FCRA 605B ) Requires blocking of identity theftrelated information within XXXX business days of receiving an identity theft report. This was ignored. 

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( FCRA 611 ( a ) ( 5 ) ( B ) ) Prohibits reinsertion of previously deleted information unless the data furnisher provides a written certification of its accuracy and completeness. No such certification was provided.

15 U.S.C. 1681s-2 ( a ) ( 3 ) ( FCRA 623 ( a ) ( 3 ) ) Requires data furnishers to correct and update information previously disputed by the consumer. This was not done.

15 U.S.C. 1681i ( d ) ( FCRA 611 ( d ) ) Requires the credit reporting agency to notify the consumer in writing within XXXX  business days of any reinsertion. I received no such notice.

15 U.S.C. 1681b Limits the permissible purposes for furnishing or using a consumer credit report. This account was reported without any permissible purpose or my consent. 

The unlawful reinsertion has caused measurable harm, including : A significant drop in my credit score. 

Disruption of a pending mortgage approval process. 

Emotional distress and loss of time due to repeated disputes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 2025-08-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
This complaint is in response to your claim of the following alleged debt : {$220.00} Account # XXXX XXXX  Please be advised that I requesting validation of this debt in accordance with FDCPA 15 USC 1692g. Under the FDCPA, i have the right to request proper validation of the debt you are attempting to collect. Until you provide the requested documenting you must cease all collection efforts, including reporting to credit bureaus. 

Please provide the following : XXXX. The name and address of the original creditor XXXX. Forward Flow Agreements XXXXThe full amount of alleged debt, with breakdown of principal, interest, fees, and other charges. 
XXXXChain of Assignments XXXX. Account Level Documentation XXXX. Proof you are legally authorized to collect this debt XXXX. A copy of the original signed contract or agreement that created his debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have reciewed my credit report and noticed a debt that was not mine. I received a letter from XXXX to have it removed. And it has not been deleted yet. Pleased delete per attached paperwork

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 2025-08-13 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: IL

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 w
illful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: IL

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 w
illful 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The presence of these accounts on my credit report is inaccurate and likely the result of unauthorized activity. I formally dispute their validity and request their removal. All necessary documentation is enclosed.

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 2025-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
So on XXXX my account was put in investigation after I disputed funds which under regulation E I was within the right time frame and all fr and provided police reports so restrictions on my account is violating me and stopping me from receiving funds owed back to me. They wont help me they claim it can take up to 90 days which is almost XXXX thats insane I really need help. I havent violated any rules

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I had a Victoria Secret XXXX, last year around XX/XX/XXXX I paid my entire balance and request for my card to be closed. XX/XX/XXXX my credit report stated that I was late on my payments I filled out XXXX complaints to XXXX XXXX and XXXX  disputing the amount and the account status and they said my information was correct but never changed. This past week XX/XX/XXXX they close my account with a false balance they said I never paid. I asked them to fix my credit report and closed my account and they never did it. Now my account is on derogatory status affecting my credit Here is their inf XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXXExperian is reporting the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which is entirely inaccurate. My true and only address is XXXX XXXXXXXX XXXX XXXX XXXX XXXX This failure to correct personal identifying information despite my disputes violates 15 U.S.C. 1681e(b), which requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy. Keeping this false address in my file exposes me to credit denials, misidentification, and damage to my credibility. This inaction is negligent and willful noncompliance under 15 U.S.C. 1681n and 1681o.'

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 2025-08-13 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: CA

Complaint narrative:
I am a victim of identity theft. My credit report with XXXX  contains a credit card account that I did not open, authorize, or use. 
This account is fraudulent and is damaging my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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:
This entry does not reflect my typical payment behavior and should be corrected. Kindly remove the late payment and update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSSN:XXXX XXXX XXXXXXXXExperianXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLCXXXX XXXX,GAXXXXTransUnion Consumer Solutions\XXXX XXXX XXXX PA XXXX looked at my credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate and came back verified. Under the Fair Credit Reporting Act (FCRA)  611(a)(6)(B)(iii), I am exercising my right to request the **method of verification** used to determine that the accounts are accurate. Under Section 609 (15 U.S.C.  1681g), I am requesting a full disclosure of the information\ncontained in my consumer file, including the source of the information and a summary of how it was\nverified. Please provide the name, address, and contact details of the data furnisher that reported\nthese items.\nUnder Section 611 (15 U.S.C.  1681i), I dispute the accuracy of the following accounts and request\na reinvestigation And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681(e)(b).\n\nAnd according to 15 USC 1681 5 they are suppose to do this (5) Treatment of inaccurate or unverifiable information\n(A)In generallf, after any reinvestigation under paragraph (1) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or cannot be verified, the consumer reporting agency shall\n(i)promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and (ii)promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.\n\nand according to 15 USC 1681s-2 they are suppose to 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.\n\nThese are following accounts that need to be investigated accurately XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I had a medical bill with XXXX  XXXX XXXX XXXX that I paid in full directly to them. However, their contracted collection agency, XXXX XXXX XXXX XXXX has me as delinquent on this debt. They refuse to acknowledge the debt as paid. My surgeon will not see me until they release the hold. I've contacted them multiple times, and they verify that I have an active account with them for this creditor, but refuse to tell me the amount owed or provide any documentation thereof. I need some help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
Initial outreach XX/XX/year>. Case XXXX XXXX XXXX AMEX gift cards ( gc ) which AMEX confirmed were all active ( {$25.00}, {$50.00}, {$200.00}, {$500.00}. ) Could only get {$50.00} gc to work. Amex responded to complaint in XXXX noting customer service communication gaps and approach in handeling consumer issues with gc. Amex followed they were going to send check for {$220.00} ( {$25.00} and {$200.00} ) gc. Stating the {$500.00} gc was fine and could be used. I responded to their communication noting inaccuracy in response recieved and never recieved follow on response. I attempted again to use the {$500.00}. gc on XXXX, this time at merchant per recommendation by Amex to use in-store. Gc was declined after my attempt to manually enter, as well as the merchants attempt to manually entering gc info. I am again requesting AMEX to reimburse me for the {$500.00} gc in the form of check as this should have been done in first complaint resolution instead of partial remit for XXXX active gc. AMEX continues to draw out and delay acknowledgement / resolution of issue with the gc utilization. In addition, AMEX has been well aware of the continued issue with using their gc based on the wide spread complaints and reviews across numerous consumers with no overall resolution to address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 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:
I request that you reinvestigate the completeness of every piece of information related to these accounts. If any information is found to be inaccurate, I ask that it be removed from my credit report. According to 15 U.S. Code 1681i, if you are unable to verify the accuracy of the information within 30 days, I request that the account be removed from my credit report. Furthermore, under 15 U.S. Code 1681e ( b ), I request that you ensure all procedures followed to include this information are reasonable and guarantee maximum accuracy.

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 2025-08-13 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> -- {$220.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> -- {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct 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 explanation