vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: PA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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 2025-07-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I REQUESTED DEBT VALADATION & ALSO REQUESTED 1099C, WHEN DEBT WAS SOLD

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Upstart Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX I received a copy of my credit report and am writing to dispute the following information that appears on my XXXX  report. 

Please verify or remove immediately the following accounts : Upstart XXXXXXXX XXXX XXXX XXXXXXXX I previously disputed this account stating : " I dont recognize this lender and account. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1100.00} Account Name : XXXX  XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$850.00} Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$860.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1700.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$330.00} Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$390.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$480.00} Account Name : XXXX XXXX XXXX  Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$640.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: TX

Complaint narrative:
On XX/XX/XXXX I sent through certified mail my dispute and debt validation to TransUnion and Experian. The main item that has been reporting inaccurate was Texas Attorney general child support division and they have been reporting since XX/XX/XXXX. The incorrect balance they said I owed started at around ~ {$3500.00} and since then it has constantly increased to around ~ {$6400.00}. TransUnion and Experian claimed they investigated the issue but with a proper investigation it would have shown that Texas is Not owed anything and isn't the original state to which I pay child support for. I provided below two documents with the same cause number and the one from Indiana is dated XXXX and is the original state which I am current on my child support with a credit. TransUnion and Experian has allowed Texas to report false information on my credit report for over a year without verifying the accuracy which is required according to the FCRA. I am now being labeled a child support dodger and with the continuous inaccurate and false reporting I am nearing criminal charges. This has been a very stressful situation for my family and I. I live in daily fear of a false warrant being issued to me and this false information is also increasing insurance rates while driving down my payment history plus credit score. I have also expressed to Texas that I feel like they are trying to XXXX me and extort me out of something that I already pay. I spoke to Texas on the phone in XXXX, XXXX and XXXX of XXXX and they insured me all three times that they will fix the inaccuracies but never did and instead continued to report inaccurate. Texas also stated during our XX/XX/XXXX call that their balance was wrong and they'll have it corrected by XX/XX/XXXX which is why I spoke with them XXXX consecutive months. Then in XX/XX/XXXX Texas informed me that my case would be escalated because of the continuous inaccuracy and the their supervisor would contact Indiana personally to verify. When I sent TransUnion and Experian a very detailed dispute and debt validation letter informing them of the FCRA and my expectations. It was in hopes that they did an honest investigation and be transparent which they failed both of us. I want this nightmare to end and my name cleared and for the credit reporting agencies to report accurate information because this has gone on for over a year. TransUnion, Experian and the Texas AG child support division have shown grossly negligent behavior over the past year and very corrupt business practices.

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 2025-07-18 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: NY

Complaint narrative:
XXXX XXXX {$4400.00} I am disputing this account because I have no knowledge of it and do not believe it belongs to me. The account shows it was opened on XX/XX/year>2023 and last active on XX/XX/year>2023. I contacted XXXX directly but was unable to obtain any information because they require a 4-digit PIN that I do not have and never received. I also submitted disputes with all three credit bureaus. Since I have no connection to this account and can not verify or access any details related to it, I am formally requesting that this account be removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-18 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: AES/PHEAA
State: IL

Complaint narrative:
I am a victim of identity theft. According to the FCRA Section 605B this account must be removed within 4 days of receipt. Please remove immediately. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
I did not open or know about these fraudulent accounts. Request removal within XXXX  days in accordance with USC XXXXg. Supporting evidence is attached.

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 2025-07-18 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: FL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good morning, My ex girlfriend of XXXX  years ran away with my phone & my wallet with all of my belongings. We lived in XXXX & we were planning on parting ways when our lease finishes XX/XX/year>. She decided to forego all of that & fly back to XXXX, which is where we lived before moving to XXXX, with my debit cards & phone. On XX/XX/XXXX, XXXX deposits were made to XXXXXXXX XXXX XXXXXXXX totaling an amount of {$4900.00}. I have already filed a complaint with Bank Of America & let them know. However, I am still really worried because Im not sure if I would get this money back. This is the XXXX time this has happened & the last time my claim was denied & I had to simply take the loss. I really need this money because now Im behind on rent & I also have to pay the XXXX  days of XXXX coming up. I will really appreciate if u guys can help me out with this matter.

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 monetary relief
Consumer complaint received 2025-07-18 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: NJ

Complaint narrative:
I did not authorize or open these fraudulent accounts and was unaware of their presence. Please remove them from my credit report within XXXX  days under XXXX XXXX. Supporting paperwork is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I paid the balance in full on my credit card on XX/XX/XXXX, before their statement close date of XXXX. I also called and followed up with the company after on XXXX confirming they received payment that the account was settled and paid in full and it should be closed. A month later a charge was posted to my checking account for an 'auto ' pay that should have not been charged as the account had been closed. I attempted to follow up with the credit card company and they told me fees could accrue up until the time the account was paid in full, which I would believe had I not called and confirmed with customer service that everything was settled. It there were additional fees or interest due, I should have been told that and it should have reflected on my online portal. Now they are continuing to add fees for late payments, a returned check fee on a payment they were not authorized to take and claiming I have a balance due. I sent them a check of {$410.00} because I am afraid they will negatively impact my credit while holding me XXXX for fees I should not have been charged. This is the most deceptive company I have ever worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The scammer try to act like a Chase bank person and he with the knowledge about my account And called me for my account frud And as on usual chase worker To block my account and make new temporary account He told me go withdraw your money and I will make for you temporary chase freedom card in your phone wallet and put your money in your chase freedom debit card wallet After 3 to 4 business day, will your new card come. After 3 day I check money didnt come to my account and I called chase .and they told me is frud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681 ; Permissible Purpose : 15 USC 1681b ; Reinsertion Deleted Items : 15 USC 1681i ( 5 ) ( b ) Responsibilities of Furnishers : 15 USC 1681 ( s ) -2 ; Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) ; Verification : 15 USC 1681i ( 7 ) The presence of the inaccuracy due to XXXX  Data Breach, I will be seeking legal actions if this issue is not rectified under federal laws and removed. I have contacted Federal agencies to assist me with this matter. My consumer rights have been tarnished and violated. Equifax has reported the negative information on my credit file without my consent. I have never signed any applications permitting this agency to report such information. I have requested proof, including a signed application or contract along with my valid drivers license, but the reporting Furnishers has not provided documentation or their policies and procedures regarding the FCRA. This raises serious concerns about Equifax compliance with FCRA regulations, which require a permissible purpose for accessing and reporting consumer credit information. There is no legal admissible evidence to verify the accuracy. I am requesting the fraudulent items are removed immediately : XXXX. XXXX XXXX. Account # XXXX. XXXX {$320.00} Opened XX/XX/XXXX XXXX XXXX XXXX. Account # XXXX. Balance {$320.00}. Opened XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. Account # XXXX. Balance : {$410.00}. Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: Comerica
State: CA

Complaint narrative:
When I checked my Direct Express account on XX/XX/year>, I discovered that someone had used my debit card to make an unauthorized purchase of {$52.00} on XX/XX/year> and an unauthorized purchase of {$11.00} on XX/XX/year> to XXXX XXXX. I contacted the Direct Express fraud department in XXXX XXXX, XXXX, and they informed me on XX/XX/year> that they would be giving me a provisional credit of {$63.00} ( Service Request XXXX ). However, on XX/XX/year> I received a notice which indicated that the merchant, XXXX XXXX had provided Direct Express with documentation that the disputed transactions were made with my authorization ; and the provisional credit of {$63.00} would be reversed ( Service Request : XXXX ). I have requested Direct Express to provide me with documentation from XXXX XXXX to substantiate their claim that I had made purchases of {$11.00} on XX/XX/year> and {$52.00} on XX/XX/year> to XXXX XXXX, but I have not received any documentation that the disputed purchases to XXXX XXXX were authorized by me. I am requesting that Direct Express issue me a credit of {$63.00}. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief