vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
I am writing to express my serious concern regarding the disputed accounts listed on my credit report. On several occasions, I have raised the issue of inaccuracies within these accounts and consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive a resolution or meaningful progress. These inaccurate accounts are causing significant damage to my credit file and are severely impacting my ability to lead a normal life. The negative consequences of these errors have created considerable hardship, leaving me with no choice but to urgently seek your assistance in resolving this matter. I respectfully request a detailed and comprehensive investigation into each of the disputed accounts. It is critical that immediate steps are taken to correct and update my credit report accordingly. With your support, I hope to restore the accuracy and integrity of my credit record and regain control of my financial well-being. I sincerely urge you to treat this issue with the utmost priority and act swiftly. Thank you in advance for your understanding and prompt attention.

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 2025-08-21 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

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

Please delete the following accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit bureau EXPERIAN credit report on XX/XX/year> and noticed some things are incomplete and not accurate. 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 ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 can not be verified, the consumer reporting agency shall ( 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.

and 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.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I purchased XXXX  on my Chase credit card in the amount of {$600.00}. The company canceled the trip. I asked for a refund. The credit card company said it would be covered by their trip insurance policy. I submitted my complaint. They took months and kept requesting additional information. They finally said that it would be covered as a dispute and not trip insurance as I wasnt ill. Chase then said that I missed the time to reopen the dispute by 15 days. I am out {$600.00} for something I never received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: IA

Complaint narrative:
To Whom It May Concern, I am writing in response to a notice I received regarding an alleged debt I do not acknowledge or accept responsibility for this debt and am requesting validation, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C.

1692g.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Experian Information Solutions , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Subject : Fraudulent Collection Account Request for Immediate Removal To Whom It May Concern, I am writing to formally dispute and demand removal of an account reported on my Experian credit file. The account is listed as : Creditor : XXXX XXXX XXXX XXXX XXXX : {$770.00} Date Opened : XX/XX/year> This account is fraudulent and illegitimate. I have no knowledge of this debt, never received a required validation notice, and did not authorize or agree to any obligation with XXXX XXXX XXXX XXXX. This is an unverified and inaccurate collection entry that is damaging my credit standing. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), Experian is required to conduct a reasonable investigation of disputed information. Because the furnisher has provided no legitimate documentation and I dispute this debt as fraudulent, I demand that Experian remove this account from my credit file immediately. 

Please confirm in writing that this account has been deleted from my credit report. If Experian continues to report this fraudulent account without proper verification, it will be considered a willful violation of the FCRA, and I will pursue all legal remedies available. 

Thank you for your prompt attention to 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 explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
My parents gifted me an XXXX gift card. I was about to pay with my gift card and the front teller ask if I want to apply for XXXX credit card to receive 20 % off, I said yes to receive discount. She responded saying I wasnt approved and I handed her my gift card. As it turns out, she said I want approved that I will get letter in mail. I received an XXXX  envelope unaware it was a bill and credit card as I thought no reason to open and just shred since I want approved per the teller. I trusted I wasnt approved as she didnt hand me any receipt with balance I am able to use since per her words, I wasnt approved. Since I had been approved and I was unaware she applied the balance I had at the moment to my new ( unknown to me ) credit card. I believe the miscommunication didnt help the situation and I feel this card should be removed from my account as I have no late payments and this card was marked as late. I immediately paid the balance to avoid further damage. XXXX wasnt able to remove account and said I needed to contact XXXX, XXXX  and XXXX  if I wanted it to be removed. So here I am hoping you will help me remove account opened in misleading from teller.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
I " am filing a formal complaint Regarding the charge-off account with XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00}, it is important to note that when a creditor cancels or forgives a debt of {$600.00} or more, they are required under IRS regulations to issue a Form 1099-C. To date, no such form has ever been provided to me. This strongly suggests that the alleged debt has not been legally forgiven, discharged, or properly reported. Continuing to list this as a charge-off without the required documentation is misleading, inaccurate, and violates the FCRAs mandate that all information on a consumer report must be complete and correct. 
The following accounts to removed : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  | Balance Owed : {$7600.00} XXXX  Original Creditor : Deposit IQ XXXX * | Balance Owed : {$1000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX | Balance Owed : {$9800.00} Also for the collection accounts listed above, the FCRA provides very clear protections. Under Section 605B ( 15 U.S.C. 1681c-2 ), consumers have the right to request that credit bureaus block information resulting from identity theft or fraudulent use of their information. I have reason to believe these collection accounts fall into that category, as I have never received any goods, services, or benefits associated with them. Reporting such unverifiable accounts causes continued harm to my credit and financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
I " am filing a formal complaint Regarding the charge-off account with XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$17000.00}, it is important to note that when a creditor cancels or forgives a debt of {$600.00} or more, they are required under IRS regulations to issue a Form 1099-C. To date, no such form has ever been provided to me. This strongly suggests that the alleged debt has not been legally forgiven, discharged, or properly reported. Continuing to list this as a charge-off without the required documentation is misleading, inaccurate, and violates the FCRAs mandate that all information on a consumer report must be complete and correct. 
The following accounts to removed : XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX  | Balance Owed : {$7600.00} XXXX  Original Creditor : Deposit IQ XXXX * | Balance Owed : {$1000.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX | Balance Owed : {$9800.00} Also for the collection accounts listed above, the FCRA provides very clear protections. Under Section 605B ( 15 U.S.C. 1681c-2 ), consumers have the right to request that credit bureaus block information resulting from identity theft or fraudulent use of their information. I have reason to believe these collection accounts fall into that category, as I have never received any goods, services, or benefits associated with them. Reporting such unverifiable accounts causes continued harm to my credit and financial standing.

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 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On [ insert date ], XXXX representative XXXX confirmed my account would be removed from XXXX XXXX XXXX XXXX  The account remains on my credit reports, and I continue to receive collection calls and letters despite my cease and desist letter sent XX/XX/XXXX. 

XXXX provided only billing statements in response to my dispute, which do not constitute proper debt verification under the FDCPA. Their continued reporting and collection attempts violate both FDCPA and FCRA, causing harm to my credit and financial wellbeing. 

Requested Resolution : 1. Immediate deletion of this account from all credit reporting agencies.

2. Immediate cessation of all collection activity, including calls, letters, and reporting. 
XXXX. Written confirmation of compliance with these requests. 

XXXX has failed to uphold their verbal assurances and federal law. I request that the CFPB investigate and enforce corrective action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CLGF Holdco 1, LLC
State: IN

Complaint narrative:
{$2000.00} Notice of unauthorized transaction totaling my statement. Statement should show a balance of XXXX as I have not used or authorized transaction for this account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-21 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: VA

Complaint narrative:
SOMEONE STOLE MY PERSONAL INFORMATION AND USED IT TO OPEN UP ACCOUNTS PLEASE BLOCK AND REMOVE THESE INACCURATE ACCOUNTS FROM CREDIT REPORT. THANK YOU.

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 2025-08-21 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:
I am very upset because when I checked my credit report this morning, I noticed an inaccurate account still showing, and I do not understand why it hasnt been corrected. I looked as I normally do, but this time errors appeared out of nowhere. Even after refreshing my browser, the unauthorized inquiry was not removed. I need this issue handled immediately, and I expect my submitted documents to be fully reviewed so that I can finally move forward without this constant worry.

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 2025-08-21 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: OH

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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