vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Card Acquisitions Group
State: GA

Complaint narrative:
I never received any form of notification about this debt if you believe that this is incorrect then show me a signed receipt that was sent to notify me about this debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This letter serves as formal notice of your continued failure to accurately report data concerning the above-referenced account. I have previously disputed this information. Despite that, you continue to report false and damaging data that violates federal law and reporting standards. 

You are currently reporting late payments for XXXX and XX/XX/2025, while also listing the account as XXXX. This is a direct contradiction, and a blatant violation of both : FCRA 1681e ( b ) requiring maximum possible accuracy Metro 2 Compliance Standards mandating consistent and up-to-date data fields Let me be clear : this is not a minor clerical issue. This is a willful failure to maintain accurate reporting, and I consider it reckless and harmful. I demand that you : DELETE all derogatory remarks for XXXX and XX/XX/2025 UPDATE the payment status to reflect Pays As Agreed with no delinquencies If you can not validate this data with verifiable documentation proving : Permissible purpose for reporting Signed contractual obligation Proof of accurate late payment reporting ... then you are legally obligated to DELETE it under : FCRA 1681i ( a ) failure to reinvestigate or verify disputed information FCRA 1681n willful non-compliance and consumer harm I am also a documented Equifax Data Breach victim. Due to your proven negligence in securing consumer data, I no longer trust your systems or procedures without thorough external challenge. Your failure to act will result in immediate escalation via CFPB complaints, attorney intervention, and legal action for damages. 

You have 30 days from receipt of this letter to comply. No generic or templated responses. Under FCRA, each dispute must be investigated individually. Form letter responses will be treated as further evidence of non-compliance. 

Send all written responses and documentation to : XXXX XXXX XXXX, XXXX, GA XXXX Consider this your final opportunity to resolve this matter without further legal and regulatory consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian
Credit XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am disputing a collection account reported by CREDIT COLLECTIONS ( XXXX XXXX XXXX, XXXX, MA XXXX ) with account number ending in * XXXX, for an amount of {$1200.00}. The original creditor is listed as XXXX, an XXXX XXXX, classified under insurance services. 

CREDIT COLLECTIONS XXXX XXXX XXXX, XXXX, MA XXXX | ( XXXX ) XXXX Account Number : XXXX XXXX  | Owner : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Last Payment Date : None Additional Information : Consumer Disputes This Account Information Original Creditor : XXXX XXXX XXXX XXXX Creditor Classification : Insurance Status as of XX/XX/XXXX : Unpaid

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 submitting this statement to formally report that I am a victim of identity theft and to request the removal of fraudulent accounts from my credit file. Upon reviewing my credit report on XX/XX/year>, I discovered the existence of several accounts that I did not open, authorize, or benefit from in any capacity. These accounts were established without my knowledge or consent and are the result of criminal misuse of my personal identifying information. 
The presence of these accounts has caused significant financial harm and emotional distress. I am working to resolve these matters with the appropriate credit reporting agencies and financial institutions, and I am also filing a police report to document the identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
I am submitting this statement to formally report that I am a victim of identity theft and to request the removal of fraudulent accounts from my credit file. Upon reviewing my credit report on XX/XX/year>, I discovered the existence of several accounts that I did not open, authorize, or benefit from in any capacity. These accounts were established without my knowledge or consent and are the result of criminal misuse of my personal identifying information. 
The presence of these accounts has caused significant financial harm and emotional distress. I am working to resolve these matters with the appropriate credit reporting agencies and financial institutions, and I am also filing a police report to document the identity theft.

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 2025-06-27 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Equifax Information Services XXXX block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX  FINCL - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  EFCU - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$850.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, XXXX that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely. 

According to XXXX XXXX. XXXX, Equifax is legally required to reinvestigate all disputed items within XXXX  days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under XXXX XXXX. XXXX ( a ) ( XXXX ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
am disputing a collection account reported by American Collections ( original creditor : XXXX XXXX XXXX XXXX ). There are multiple inconsistencies between the credit bureaus : TransUnion reports this as an " open account '' with no collection status Experian and Equifax show it as a collection, but Equifax does not reflect my dispute No bureau reports any payment history or validation of the debt I have no recollection of this debt and was affected by the Equifax breach, which may have compromised my data. I demand this account be deleted unless the company provides full validation, including the original signed contract and a complete billing history. Ongoing reporting of inconsistent or unverifiable debt violates the Fair Credit Reporting Act.

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 2025-06-27 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXXXXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am reaching out because I recently discovered a credit inquiry on my report that I absolutely did NOT authorize. This inquiry was made online without my knowledge or permission, which is a clear act of fraud. 

This is a serious violation of my rights and is damaging to my credit profile. I want to be very clear : I never initiated or approved this inquiry. It was done without my consent, and I demand that it be removed from my credit report immediately.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am reporting inaccurate and potentially unlawful credit reporting involving the XXXX XXXX XXXX XXXX XXXX XXXX on my Experian credit report ( Report # XXXX ). 

Despite being a business account, it is being reported to my personal credit file with the following issues : Inaccurate charge-off timeline ( listed from XX/XX/XXXX to XXXX XXXX ) Duplicate charge-off notations even after the account is marked Paid. Closed. 
Missing payment information despite balance decreases from XXXX to XX/XX/XXXX Misclassified account terms ( listed as 1 Month instead of a revolving charge card ) High balance of {$4300.00} reported without matching transaction history These violations appear to breach FCRA XXXX ( b ), XXXX ( a ) ( XXXX ), XXXX ( a ), and XXXX ( a ) ( XXXX ). I request the CFPB to investigate this matter and ensure the data furnishers and Experian comply with reporting obligations and remove or correct these derogatory errors.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to urgently address a serious issue with my credit report. There is an account listed that does NOT belong to methis account belongs to someone else entirely. Despite that, it has been mistakenly mixed in with my personal credit information. 

This kind of error is unacceptable and has the potential to cause significant damage to my financial standing and creditworthiness. I demand that this incorrect information be completely removed from my credit report without delay.

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 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Comenity Capital Bank - Burlingtion Subject : Dispute of Account Balance - Account Number : XXXX Dear Billing Inquiries Division, The balance on account number XXXX is being disputed which is currently {$76.00}. The reason for the dispute is that XX/XX/XXXX billing balance was XXXX. Paid {$30.00} on XX/XX/XXXX, then made another payment on XX/XX/XXXX of XXXX, totaling XXXX 's bill of {$180.00}, paying off the balance, which should in my understanding, should make the account balance {$0.00} and the account paid off, meaning there would be no XX/XX/XXXX bill to generate. The {$150.00} payment was not applied prior to the XXXX XXXX being issued, causing a {$5.00} on the account. 

The invoice for XXXX does not even reflect XXXX payment in XXXX of {$150.00}. The invoice for XXXX reflects payment from XXXX but also includes a XXXX fee for XXXX XXXX, when there should not have been a balance for XXXX. 

After paying the remaining balance, I didnt receive any more Bills from XXXXComentiy Capital Bank XXXX And when I called customer service, the first representative I could hardly understand a word they were saying and the representative was not trying to help, just telling me my payments were late, so I requested a supervisor, which they where not helpful either. I was advised I could pay the total amount due of {$42.00} and then he could waive A Late Fee and my account would be settled, or I could write this letter to get the account disputed, which will take time and probably cause more charges to accumulate on my account. This process is not consumer-friendly and is causing issues with my credit. 
They are not doing anything to help but telling me I need to pay when I feel I paid my account off. 

It's requested that the error be corrected, any related charges be credited, and an accurate statement be provided.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 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: MI

Complaint narrative:
I am reporting an unauthorized credit inquiry on my credit report, made without my knowledge or consent. I had no dealings with the company listed and did not authorize access to my credit file, which violates FCRA XXXX. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiry to be removed : [ XXXX  XXXX ] [ XX/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
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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