vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding XXXX accounts ( XXXX XXXX XXXX and XXXX ) that are inaccurately reporting derogatory or misleading payment history on my credit profile. Both accounts have been paid in full, and no balances are owed. However, the reports show incomplete or incorrect payment histories, which are unfairly impacting my creditworthiness. 

I have attempted to dispute these accounts with the credit bureaus and no adequate resolution has been provided. These tradelines appear to be outdated, unverifiable, or incorrectly reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. 

This conduct is in direct violation of federal law and my consumer rights. The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ). 

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : 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
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Deinde Online Services, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Re : Dispute of Alleged Debt Account Related to {$2000.00} Loan To Whom It May Concern, This letter is to formally dispute the validity and accuracy of a debt allegedly associated with me and reported or held by your company, XXXX. 

I, XXXX XXXX, am writing under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, to request a full validation of the debt in question, which is a {$2000.00} loan that I have been paying monthly without failure. 

Please provide the following documentation within 30 days of receipt of this letter : 1. A complete accounting and payment history for the {$2000.00} loan, including the total amount paid to date.

2. A copy of the original contract or loan agreement bearing my signature.

3. Proof that your company is legally authorized to collect on this debt. 


4. The name and address of the original creditor, if different from XXXX. 



This is not a refusal to pay, but a notice that your claim is disputed. If you are reporting this information to any credit bureau, you must mark the account as " disputed '' under 15 U.S.C. 1681s-2 ( a ) ( 3 ). Failure to respond with adequate proof within 30 days will require you to remove the alleged debt from all credit reporting agencies and cease further collection efforts. 

Please note, under 15 U.S. Code 1692c ( c ), you are hereby requested to cease all communication with me except to provide the requested documentation or notice of action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: IL

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, This formal communication is submitted in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute and request the deletion or correction of inaccurate, misleading, or unverifiable information appearing on my consumer credit reports. 


The following accounts are at issue : XXXX : This account is listed as closed with XXXX missed payments. I dispute the accuracy and completeness of this reporting. I request immediate reinvestigation, and if the creditor can not verify the full history with original documentation, this entry must be permanently removed. 


XXXX XXXX XXXX : This account reflects XXXX missed payments and is marked closed. This reporting is contested as either incomplete or inaccurate. Please conduct a reinvestigation under FCRA guidelines and provide documentation supporting each derogatory mark. 


XXXX XXXX XXXX XXXX  This account is listed as closed with XXXX missed payment. I dispute this late payment and demand verification. If such can not be produced from original furnishers, this data must be deleted. 


XXXX XXXX : Currently listed as late with one missed payment. This status is challenged. You are required to verify the delinquency with original signed records or remove the account from my report. 


XXXX : Reported as currently late with one missed payment. I dispute this entry as inaccurate and demand validation. If the entry can not be confirmed with complete documentation, it must be removed under the FCRA. 


XXXX XXXX : Marked as closed. If any derogatory remarks are associated with this account, I request a thorough reinvestigation and deletion of any information Please consider this letter a formal dispute of the information listed above. I request that you complete your reinvestigation within the timeframe permitted by law and provide written confirmation of your findings. If these accounts are found to be unverifiable, I demand that they be deleted immediately from all consumer reporting agencies. 

Pursuant to my rights, I also request copies of any documents or records used during the verification process. 

Thank you for your 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 2025-06-05 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:
b'This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name.\n\nThese accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging.\n\nLegal Grounds for Immediate Deletion:\nPursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data:\n\n15 U.S. Code  1681c2: I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request.\n\n12 CFR Part 1022, Subpart H: You are legally required to delete fraudulent information from my credit file within four (4) business days of receiving notice.\n\n15 U.S. Code  1681a(2)(B): Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report.\n\n15 U.S. Code  1692j: Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law.\n\nDemand for Immediate Action:\nLet me be absolutely clear:\n\nThese accounts are fraudulent.\n\nYour continued reporting of them is reckless and potentially unlawful.\n\nI demand that all fraudulent accounts and inquiries be deleted from my credit file immediately.\n\nAny collection efforts tied to these accounts must cease and desist without delay.\n\nBELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP:\n\nXXXX 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

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 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please delete this fraudulent account from all three credit reports transunion, Experian and 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 2025-06-05 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: WI

Complaint narrative:
I am submitting a formal dispute regarding the XXXX XXXX account ending in XXXXXXXX XXXX XXXX, which is being reported inaccurately across TransUnion, Experian, and Equifax. 

This account was settled and paid after charge-off, yet it continues to be reported with derogatory remarks, conflicting dates, and incomplete information. One bureau marks the account as " Paid, '' another as " Derogatory, '' and the dates for last activity, payment, and closure are inconsistent. No Form 1099-C, signed contract, or itemized billing has been provided to justify this reporting. 

This violates my rights under several federal laws : - The * Fair Credit Reporting Act ( FCRA ) * requires that all information reported be accurate, complete, and verifiable. 
- The * Truth in Lending Act ( TILA ) * ensures transparency in credit reporting and balances. 
- The * Fair Credit Billing Act ( FCBA ) * protects consumers from unfair or deceptive billing practices. 

Reporting a paid, settled account as if it were still derogatory without proper documentation is not only misleading but also harmful to my credit profile. It creates an inaccurate representation of my financial history and violates the standards set by these laws. 

I am requesting that this account be deleted from my credit report entirely. If the information can not be fully validated with supporting evidence, it must be removed according to federal law. Please take this matter seriously and investigate thoroughly. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: FL

Complaint narrative:
XXXX XXXX  Account Ending in XXXX  Dear XXXX  Client Advocacy Team, This letter is a formal follow-up regarding my previous complaint submitted on XXXX XXXX XXXX  concerning the inaccurate reporting of a late payment on my XXXX  credit card account ending in XXXX. Your response dated XXXX XXXX XXXX  is both deeply concerning and factually inaccurate.

First, it took over 30 days to receive a reply, despite multiple attempts on my end to follow up, especially given that your misreporting was actively harming my financial standing. 

Second, I want to be very clear : I am not disputing the closure of the account. I am disputing your inaccurate reporting of a late payment for XX/XX/XXXX, which was the sole focus of my original complaint. 

Instead of addressing this, your response deflects to unrelated account activity from XXXX to XX/XX/XXXX, information that has no bearing on the issue I raised. This misdirection does not resolve the actual concern and further delays a proper resolution. 

Let me reiterate clearly : I made a payment iconsecutive on-time payments, and I do so only after speaking with a XXXX representative by phone, the only method available to me due to your internal account restrictions. 

It is not possible to make payments without agent involvement once the account is closed and restricted. During our first conversation I asked the agent to enroll me in automatic payments. Therefore, for XXXX to now claim you have no record of that interaction is both negligent and unacceptable. 

I never requested for the account to be reopened. I only asked for the inaccurate late payment to be corrected. 

Additionally, your delay in response, taking over XXXX weeks, with no reply to my follow-up email, reflects a serious lapse in customer service and compliance with CFPB response XXXX. 

XXXX needs to remove the inaccurately reported late payment from my credit report across all major bureaus ( Experian, XXXX, XXXX  ), and Provide written confirmation that this correction has been made. 

If this issue is not resolved promptly, I will be forced to escalate this matter through legal channels, including filing formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and potentially pursuing damages for credit harm and emotional distress through a consumer protection attorney. 

I expect immediate written acknowledgment of this message and swift action on the correction. 

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 2025-06-05 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX Account Ending in XXXX Dear XXXX  Client Advocacy Team, This letter is a formal follow-up regarding my previous complaint submitted on XX/XX/XXXX, concerning the inaccurate reporting of a late payment on my XXXX credit card account ending in XXXX. Your response dated XX/XX/XXXX, is both deeply concerning and factually inaccurate. 

First, it took over 30 days to receive a reply, despite multiple attempts on my end to follow up, especially given that your misreporting was actively harming my financial standing. 

Second, I want to be very clear : I am not disputing the closure of the account. I am disputing your inaccurate reporting of a late payment for XX/XX/XXXX, which was the sole focus of my original complaint. 

Instead of addressing this, your response deflects to unrelated account activity from XXXX to XX/XX/XXXX, information that has no bearing on the issue I raised. This misdirection does not resolve the actual concern and further delays a proper resolution. 

Let me reiterate clearly : I made a payment iconsecutive on-time payments, and I do so only after speaking with a XXXX representative by phone, the only method available to me due to your internal account restrictions. 

It is not possible to make payments without agent involvement once the account is closed and restricted. During our first conversation I asked the agent to enroll me in automatic payments. Therefore, for XXXX to now claim you have no record of that interaction is both negligent and unacceptable. 

I never requested for the account to be reopened. I only asked for the inaccurate late payment to be corrected. 

Additionally, your delay in response, taking over six weeks, with no reply to my follow-up email, reflects a serious lapse in customer service and compliance with CFPB response expectations.

XXXX needs to remove the inaccurately reported late payment from my credit report across all major bureaus ( XXXX, Equifax, XXXX  ), and Provide written confirmation that this correction has been made. 

If this issue is not resolved promptly, I will be forced to escalate this matter through legal channels, including filing formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and potentially pursuing damages for credit harm and emotional distress through a consumer protection attorney. 

I expect immediate written acknowledgment of this message and swift action on the correction. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX Account Ending in XXXX Dear XXXX  Client Advocacy Team, This letter is a formal follow-up regarding my previous complaint submitted on XX/XX/XXXX, concerning the inaccurate reporting of a late payment on my XXXX  credit card account ending in XXXX. Your response dated XX/XX/XXXX, is both deeply concerning and factually inaccurate. 

First, it took over 30 days to receive a reply, despite multiple attempts on my end to follow up, especially given that your misreporting was actively harming my financial standing. 

Second, I want to be very clear : I am not disputing the closure of the account. I am disputing your inaccurate reporting of a late payment for XX/XX/XXXX, which was the sole focus of my original complaint. 

Instead of addressing this, your response deflects to unrelated account activity from XXXX to XX/XX/XXXX, information that has no bearing on the issue I raised. This misdirection does not resolve the actual concern and further delays a proper resolution. 

Let me reiterate clearly : I made a payment iconsecutive on-time payments, and I do so only after speaking with a XXXX representative by phone, the only method available to me due to your internal account restrictions. 

It is not possible to make payments without agent involvement once the account is closed and restricted. During our first conversation I asked the agent to enroll me in automatic payments. Therefore, for XXXX to now claim you have no record of that interaction is both negligent and unacceptable. 

I never requested for the account to be reopened. I only asked for the inaccurate late payment to be corrected. 

Additionally, your delay in response, taking over six weeks, with no reply to my follow-up email, reflects a serious lapse in customer service and compliance with CFPB response expectations.

XXXX needs to remove the inaccurately reported late payment from my credit report across all major bureaus ( XXXX, XXXX, TransUnion ), and Provide written confirmation that this correction has been made. 

If this issue is not resolved promptly, I will be forced to escalate this matter through legal channels, including filing formal complaints with the Consumer Financial Protection Bureau, Federal Trade Commission, and potentially pursuing damages for credit harm and emotional distress through a consumer protection attorney. 

I expect immediate written acknowledgment of this message and swift action on the correction. 

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 2025-06-05 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 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. 
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 2025-06-05 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: TX

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information 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 Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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