vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-16 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: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it. 

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Continental Finance Company, LLC
State: MI

Complaint narrative:
Dear Compliance Team, I am requesting immediate intervention regarding the hold placed on my XXXXXXXX XXXX XXXX account. I have a {$2000.00} credit limit with {$0.00} available, and despite multiple calls to customer service, I have not received a clear or consistent explanation or any actionable steps to resolve the issue.

A temporary banking issue caused a returned payment, which has since been fully corrected. My account is now current and in good standing. There is no valid reason for my available credit to remain restricted without clear communication or instructions from your team. 


At this point, the lack of clarity and the ongoing restriction after the banking issue has been fixed is unacceptable. I am requesting the following without delay : Supervisor review and decision today not a generic response or another transfer back to customer service.

Immediate release of the hold now that the payment issue is resolved and has been for months.

If you require documentation, I need a precise written list of what is needed and the secure upload link to submit it nothing vague or open-ended. 

A written explanation for why the hold is still active and the exact timeline for full restoration of my available credit. 


I am making this request through Compliance because customer support has been unable to provide consistent information or resolve the matter, and this delay is creating unnecessary hardship. 



Please treat this as a priority review and respond with the specific actions being taken to restore the account. 



Account Information : Name : XXXX XXXX Last XXXX of Card : XXXX Phone : XXXX Email : XXXX I expect a prompt written response and resolution. 



Sincerely, 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 2025-11-16 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:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX & XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit-reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that it no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report, and Experian has not wanted to give me a solution to this problem, where I am being totally affecting my ability to acquire a new house for my children. These collections were eliminated and not verified by other bureaus. I don't understand how they usually say that these accounts are mine. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them. Please help me immediately delete these accounts. Here I add the FTC report, hoping that you will make a better decision in my situation. 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 2025-11-16 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX ) XXXX  XXXX Amount : {$500.00} XXXXXXXX XXXX XXXX XXXX XXXX  Amount : {$2200.00} XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX Amount : {$1400.00} 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 UNAUTHORIZED INQUIRIES WITH NO PERMISSIBLE PURPOSE : 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 2025-11-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have made several attempts for the past year and a half to get charges corrected for work not completed. After fighting for approximately 5-6 months I received a XXXX credit that was not worth the value of work not completed. I was given a false ledger that did not match the work completed not even the amount of teeth I have in my mouth. I showed evidence of this and even received an email from the dentist that I was due an additional XXXX. Had comenity done the investigation this would have been discovered sooner. I have not signed the agreement until comenity corrects the charges and applies the previous returned money correctly. This was for service not completed and should not be subject to interest or fees. In a previous complaint with the CFPB they claimed to have removed late fees and charges. THEY DID NOT DO THIS. They used the returned money to pay those charges. I only recently discovered this. They also did not give credit for paused payments during the " investigation '' and are claiming I am over 60 days late despite making monthly payments since " investigation '' completed. 
To recap they did not complete investigation. 
They provided false ledger that was disproven and refused to correct charges. 
They incorrectly applied returned money. 
They gave false statement/response to the CFPB claiming they removed charges but used returned money to pay themselves.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing this complaint because several accounts on my credit report are inaccurate, reinserted without notice, and continue to be furnished despite identity theft, a data breach affecting my personal information, and multiple disputes and validation requests sent to XXXX, XXXX, TransUnion, and the furnishers. 

The XXXX account was previously deleted and then illegally reinserted without the required written notice under FCRA 611 ( a ) ( 5 ) ( B ). XXXX and XXXX are reporting fraudulent or inaccurate accounts connected to identity theft and a data breach. XXXX XXXX is reporting late payments that are inaccurate and unsupported. In addition, XXXX  continues to report incorrect personal information ( multiple wrong addresses and name variations ), which places fraudulent accounts back onto my file. 

I requested full validation, the method of verification, reinsertion notices, investigation documents, and proof of accuracy under FCRA 602A, 605B, 609, 611, and 623. I provided identification and supporting documents. No bureau or furnisher provided the information required by law. 

All parties failed to conduct a lawful reinvestigation, failed to block identity-theft related items under FCRA 605B, and continued furnishing disputed information without verifying its accuracy. This has caused financial harm, denials, and emotional distress. 

I am requesting that the CFPB require XXXX, XXXX, TransUnion, XXXX, XXXX, XXXX, and XXXX XXXX to : ( 1 ) provide the legally required validation and reinsertion documentation, or ( 2 ) permanently delete the inaccurate and unlawfully reported accounts and all linked personal information.

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 2025-11-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
I need you to send me the original document with my signature and date

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-16 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: VA

Complaint narrative:
XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS 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 SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. 
I request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. 

SECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. 

Printed Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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:
XX/XX/XXXX CREDIT FREEZE DISPUTE FORM ALL CREDIT BUREAUS + SECONDARY BUREAUS + XXXX  XXXX  CONSUMER INFORMATION Name : XXXX XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX Phone : XXXX Email : XXXX SSN : XXXX SECTION XXXX REQUEST TYPE Full Credit Freeze Extended Security Freeze Secondary Bureau Freeze XXXX Freeze Data Suppression / Security Block Dispute of Unauthorized Access Written Confirmation Required SECTION 2 PRIMARY CREDIT BUREAUS Equifax XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX SECTION XXXX SECONDARY & SPECIALTY BUREAUS 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 SECTION XXXX BANKING & CHECK VERIFICATION SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX UNAUTHORIZED ACCESS DISPUTE I dispute all unauthorized access of my credit, banking, utility, and consumer files as defined under the FCRA. 
I request immediate removal, investigation, and blocking of any unauthorized inquiry or access attempt. 

SECTION XXXX REQUEST FOR CONFIRMATION Please send written confirmation of : Freeze Placement PIN/Password for Temporary Lifts Identity Verification Block Activation Dispute Investigation Results SECTION XXXX CERTIFICATION I certify that all information provided is true and correct. 

Printed Name : XXXX XXXX XXXX Date : XX/XX/XXXXXXXX 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 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
Over the past couple of years I have purchases that I have been told that we have no interest if paid in full, but yet the interest is constantly being charged and then the promotional purchases that I do have to be paid off by a certain time before interest kicks in. I would when I make payments, have to call them and say please allocate this payment towards this purchase and they do it Now that one of my promotion purchases is getting down to running out of time. They are telling me that I can not allocate a payment that when I make a payment that they will spread it out as they choose, which is not towards my promotional payment, which means I would have to pay off my entire credit card bill in order to pay off that promotional purchase Plus they randomly do interest charge that goes up higher every month

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 2025-11-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: HI

Complaint narrative:
I had 3 loans with the company speedy cash. Wanted to start a process to pay off one at a time. They would not accommodate me they said all or nothing. So i told him i could not do anything. Next thing i get threatening emails from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 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: BARCLAYS BANK DELAWARE
State: SC

Complaint narrative:
15 usc 1681A4. Violation of Privacy.

15 usc 1681EB. Not 100 % accurate.

15 usc16812AI. No transactions recorded.

18 usc 1028A. Aggravated Identity Theft.

15 usc 1692C. Illegal contact without written permission.

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 2025-11-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
XXXX XXXX XXXX. Violation of Privacy. 
XXXX XXXX XXXX. Not 100 % accurate. 
XXXX XXXX. No transactions recorded. 
XXXX XXXX XXXX. Aggravated Identity Theft. 
XXXX XXXX XXXX. Illegal contact without written permission.

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 2025-11-16 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: MO

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 

I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief