vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
I am disputing the inaccurate and harmful reporting of a XXXX XXXXXXXX XXXX XXXX XXXX ) credit card account that was fully settled in XX/XX/XXXX through XXXX XXXX XXXX. Despite this, Experian and XXXX continue to report the account with multiple late payments and a charge-off status. This information is outdated, misleading, and materially incorrect. 

I submitted disputes to Experian requesting correction or deletion and provided documentation of the settlement. However, the bureaus have failed to update the reporting, and XXXX has continued furnishing this negative information. As a result, I have been denied credit ( notably by XXXX XXXX XXXX XXXX in early XXXX ), experienced adverse insurance decisions, and suffered credit score damage. 

This tradeline should no longer appear with derogatory history. I am requesting full deletion due to inaccurate and incomplete information under FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ). I have also submitted formal written demands and filed complaints with the NY Attorney General and Better Business Bureau.

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 2025-04-06 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: NY

Complaint narrative:
I am disputing the inaccurate and harmful reporting of a XXXX XXXXXXXX XXXX XXXX  XXXX ) credit card account that was fully settled in XX/XX/XXXX through XXXX XXXX XXXX. Despite this, XXXX and Equifax continue to report the account with multiple late payments and a charge-off status. This information is outdated, misleading, and materially incorrect. 

I submitted disputes to XXXX requesting correction or deletion and provided documentation of the settlement. However, the bureaus have failed to update the reporting, and XXXX has continued furnishing this negative information. As a result, I have been denied credit ( notably by XXXX XXXX XXXX XXXX in early XXXX ), experienced adverse insurance decisions, and suffered credit score damage. 

This tradeline should no longer appear with derogatory history. I am requesting full deletion due to inaccurate and incomplete information under FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ). I have also submitted formal written demands and filed complaints with the NY Attorney General and Better Business Bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and request the immediate removal of unauthorized inquiries and fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and this letter is accompanied by my official FTC Identity Theft Report as required under Section 605B of the Fair Credit Reporting Act ( FCRA ).

I did not authorize any of the following inquiries or accounts, and I have no knowledge of or relationship with these entities : Unauthorized Credit 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 XXXXXX/XX/XXXX Under the FCRA Section 605B, you are required to block this fraudulent information from appearing in my credit report within four business days of receiving this request, along with proper documentation. I have included a copy of my Identity Theft Report and identification for verification purposes. 

Please send written confirmation once these items have been removed. If you need additional information or documentation to investigate and resolve this matter, do not hesitate to contact me. 

Thank you for your prompt attention to 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 non-monetary relief
Consumer complaint received 2025-04-06 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I received a notice on my XXXX credit report stating that " Comenity CapitalXXXX has accessed your XXXX credit report on XX/XX/2025, resulting in a new inquiry. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  I called Comenity Credit Card Counseling at ( XXXX ) XXXX asking what the status of this credit application is, if I did indeed apply. After giving them my information, they said that an account of mine did not exist. They said I needed to call ( XXXX ) XXXX. I did so, but None of those options seemed like they would help me. 

On XX/XX/XXXXXXXX XXXX XXXX XXXX I then called XXXX XXXX XXXX  credit card customer care system ( XXXX ) XXXX again they said said that there was no record of me ever applying. 
I then called ( XXXX ) XXXX and gave them my information as well ( name, phone number SSN ). They forwarded me to another line. Before forwarding, I asked if they could provide the number so that I can call directly in case we get disconnected. She said that she could not because she does not have it. All she does is transfer customers to the number. After being transferred I was met with a recording state that " Comenity representatives can not inform customers of the status of applications. Good-bye. '' I started the process again and was eventually me with the recording once more.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I bought a package from XXXX in XX/XX/XXXX but did not go through with the procedure. I canceled before receiving any services, and XXXX confirmed the cancellation and issued a full refund. They also told me I should not owe anything to XXXX XXXX. While I was on the phone with XXXX customer service, a representative from XXXX even spoke directly with the XXXX agent to confirm that the procedure was canceled and refunded. 

Despite this, the XXXX representative said they would try to refute the refund. Then in XX/XX/XXXX, I started receiving mailed statements saying I owed money, and the balance has continued increasing each month. On top of that, Ive been getting repeated automated phone calls, even though Ive explained multiple times that I do not owe anything. This feels like harassment. Ive tried to resolve it, bu
t XXXX continues to contact me and send mail about a debt that should not exist.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-06 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: TX

Complaint narrative:
I am filing a complaint against TransUnion and Equifax for reporting a duplicate XXXX XXXX XXXX account ( # XXXX ) with an incorrect balance of {$1100.00} on my credit report. 

This account is already being reported correctly under account # XXXX with the accurate balance of {$730.00}, as verified by a letter from the creditor ( attached ). XXXX has already deleted the duplicate account after reviewing the same information. 

Despite notifying both bureaus and providing documentation, they continue to report this inaccurate and duplicate tradeline, which violates the Fair Credit Reporting Act ( FCRA ) 1681i. 

I am requesting immediate deletion of account # XXXX and written confirmation from both bureaus.

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 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
DELETE THESE INQUIRIES I HAVE BEEN IN THE XXXX, XXXXXXXX XXXX XXXX XXXX XXXX BREACHES I HAVE MULTIPLE ACCOUNTS THAT WERE ALSO OPENED BECAUSE OF THIS MESS! COMPANIES DONT KNOW HOW TO PROTECT CONSUMER FILES..I CONTACTED TRANSUNION ABOUT HARD INQUIRIES I DID NOT INITIATE, I SENT THE LETTER CERTIFIED/ AND NOTORIZED XX/XX/XXXX, THERE WAS AMPLE TIME FOR TRANSUNION TO RESPOND WHICH THEY DID NOT, NOW THERE IS MORE HARD INQUIRIES ON MY REPORT AS OF TODAY, THIS IS NOT FAIR ACCURATE AND COMPLETE CREDIT REPORTING UNDER THE FCRA 1681 AND I WANT THESE DELETED IMMEDIATELY. ENCLOSED IS A FTC REPORT, PROOF OF ADDRESS, ID AND OTHER SUPPORTING DOCUMENTS DELETE THESE IMMEDIATELY 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 non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN

Complaint narrative:
I would like to draw your attention to the definition of " consumer reports '' under 15 USC 1681 ( a ) ( 2 ), which excludes reports containing information solely on transactions and experiences between the consumer and the " person '' making the report. In this context, the term " person '' includes corporations such as Chex Systems. The events mentioned, including NSF occurrences, overdrafts, and account closures, are considered " transactions and experiences '' within a private business relationship between myself and my bank, not between myself and Chex Systems. Given that I did not open an account with Chex Systems, these events should not be reported by your agency.

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law.

Thank you for your prompt attention to this matter. I look forward to your response.

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 2025-04-06 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: ID Analytics, Inc.
State: MI

Complaint narrative:
Since our social security numbers have been breached I have all these inquiries and stuff on my credit report and even I even have collections that don't belong there and all the sudden these credit reporting agencies are denying me when I need a vehicle and I don't even try applied for a vehicle one time and I got five inquiries from XXXX two different dealerships on by the same person anyways I would like my credit report to do right cleaning my credit score to be back to normal that's what I would like seeing how everyone got breached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
After being denied for a car loan I decided to review my credit report and after review found items that either did not belong to me, were incorrect or unauthorized. I decided to reach out to the credit bureau via certified mail return receipt and at this point I have reached out to all 3 bureaus in this manner for approximately over 4 different times supplying them with information and advising them of the status of each negatively reported item on my report and requesting they get proof from these creditors showing the validity and accuracy of these debts being reported and each time they would make some update and come back saying the debt is valid however not providing any proof any at all. I am frustrated and is at my wits end with the bureaus not acting on behalf of me as a consumer but instead saying they are reporting what the companies are sending to them. I have also reached out to the companies individually to provide me directly this information that proves the validity of what they are reporting and to date they haven't been able to either. The reporting of this inaccurate information is detrimental and harmful to my credit and preventing me from being able to purchase a home and I am asking for you to take action please and reach out to the 3 bureaus and ask them to the right thing and stop reporting inaccurate information when I am providing them with the information that indicates the reported information is inaccurate and the companies can't provide any information to confirm what they are reporting. I have also advised the bureaus I am reaching out for assistance since they have refused to protect me as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Glory LLC
State: IL

Complaint narrative:
Charges of this collection place called credit glory has charged me over and over again. It said if I did not keep up with the charges, my credit would not go up. It charged me a total of {$680.00}. Said this would take care of the charges I had on my XXXX XXXXXXXX XXXX  and it would take it off of my history. I did not know there was a such scam. I would love a refund. They also shut my account down so I could not log into it and see what I had spent and what my remaining looked like after. CREDIT GLORY COLLECTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) - - 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
To Whom It May Concern : I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file. 

Account : 1-TD BANK NA XXXX XXXX 2- TD BANK NA XXXX XXXX 3-TD BANK NA XXXX XXXX Once the fraudulent information has been removed, please send me a copy of my corrected credit report. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I am a victim of the data breach and identity fraud. I was trying to open a new checking account. I was denied because my personal information had been reported to early warning and XXXX XXXX. The fradulent address on their system is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ga XXXX Driver license number XXXX My correct address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ga XXXX DL Georgia # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: NY

Complaint narrative:
On XXXX I disputed a wrong address with Experian they refuse to remove the address stating it is connected with some of my current bills. That is incorrect all of my bills are connected with my current address. In addition, I have never had a XXXX XXXX with that address.

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 2025-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 
Thank you for your prompt attention to this matter. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am disputing the inaccurate and harmful reporting of a JPMorgan Chase Bank ( JPMCB ) credit card account that was fully settled in XX/XX/XXXX through XXXX XXXX XXXX. Despite this, XXXX and XXXX continue to report the account with multiple late payments and a charge-off status. This information is outdated, misleading, and materially incorrect. 

I submitted disputes to XXXX requesting correction or deletion and provided documentation of the settlement. However, the bureaus have failed to update the reporting, and JPMCB has continued furnishing this negative information. As a result, I have been denied credit ( notably by XXXX XXXX XXXX XXXX in early XXXX ), experienced adverse insurance decisions, and suffered credit score damage. 

This tradeline should no longer appear with derogatory history. I am requesting full deletion due to inaccurate and incomplete information under FCRA 1681e ( b ), 1681i, and 1681s-2 ( b ). I have also submitted formal written demands and filed complaints with the NY Attorney General and Better Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
We signed a lease for a new apartment, sent {$5700.00} for the first months rent and security deposit, and the day of our move we find out the person was impersonating the property owner and the unit was never available. I contacted Chase immediately, filed a claim because thats all the money we had saved, and they denied it. I did not authorize a stranger to steal {$5700.00} from me. If theres anything else we can do to get our hard earned money back, we will do it because we have no where to live now thanks to an elaborate scam.

Company response to consumer: Closed with explanation