vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I applied for and was approved for a Comenity Bank store credit card ( XXXX ), but never received the physical card. Iwas told by the sales clerk I will be receiving the card at my address. I was also told during a phone call with a representative from the Bank that the card would be mailed to me, but it never arrived. Without the physical card, I had no way to activate the account, view my charges, or make a payment online or through any secure method. They gave a link that I have tried to access to pay my bill multiple times but I did not have my card number in order to complete the payment. 

Despite not having access to the card or any account information, Comenity Bank began adding interest and late fees, increasing the balance from a less than XXXX dollar ( approx 80-90 dollars ) purchase to over {$250.00}. I contacted and was contacted customer service multiple times to explain that I never received the card and was uncomfortable giving my card information over the phone. I was told conflicting things one agent said the card would be sent, and later the same agent said he remembered talking to me and claimed that was never promised by him. I felt harassed as the frequent phone calls from unknown numbers and spam calls according to my Phones caller ID. 

I asked Comenity to waive the fees and interest since I was never given a way to access or manage the account, and they refused. They offered 15 dollars which I decided I would not accept given the circumstances and the fact is still never received the physical card. I was never emailed a statement or provided with a secure payment option until fees and interest was already charged. Even then, I had no way of completing their request. Then, the account was sent to collections, and I kept receiving calls from multiple unknown numbers, but no meaningful written communication or email explaining what was happening until after the account was already severely overdue. I have multiple voicemails and a call log of them calling me almost everyday.

At this point, my credit report has been negatively impacted even though I attempted to resolve the issue directly with Comenity. They failed to fulfill their obligation to send me the card, and then penalized me with interest and collections for a situation I could not control. I believe this is unfair, poorly communicated, and potentially a violation of fair credit reporting and debt collection standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Formal Dispute of Inaccurate Credit Reporting ( Confirmation XXXX XXXXXXXX ) To Whom It May Concern : I am disputing multiple inaccuracies on my Equifax credit report under 15 U.S. Code 1681 ( Fair Credit Reporting Act ) and 15 U.S. Code 1692 ( Fair Debt Collection Practices Act ). The following accounts violate federal law due to unverifiable, outdated, and incomplete reporting : Disputed Accounts & Legal Violations XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX | {$2300.00} Balance ) 1681e ( b ) Violation : Payment history shows conflicting delinquency timelines. The " XXXX XXXX XXXX XXXX XXXX' ( XX/XX/XXXX ) contradicts the " Last Payment Date '' ( XX/XX/XXXX ). This inconsistency violates FCRA requirements for maximum possible XXXX. 
XXXX ( a ) ( XXXX ) Violation : Negative information older than XXXX  years persists. The payment history extends to XXXX, exceeding permissible reporting XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX | {$4400.00} Balance ) 1681s-2 ( b ) Violation : No evidence of updated payment status since XX/XX/XXXX. Furnisher failed to conduct a reasonable investigation into post-dispute reporting1.

1692e ( 8 ) FDCPA Violation : Continued reporting of stale debt without validation constitutes deceptive practices. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX | {$2700.00} Balance ) 1681i ( a ) ( 1 ) Violation : " Months Reviewed '' ( XXXX ) and missing " Date Closed '' field render this account incomplete and unverifiable1. 
XXXX XXXX XXXX XXXX XXXXXXXX ( Opened XX/XX/XXXX | {$7300.00} Balance ) 1681c ( c ) Violation : " Activity Designator '' and " Charge Off Amount '' fields are blank, violating requirements for complete data1.

Legal Demands I demand you : Immediately delete all disputed accounts under 1681i ( c ) due to failure to verify.

Update all payment timelines to reflect accurate XXXX reporting windows. 
Cease reporting unresolved disputes per 1681i ( d ).

Failure to resolve within 30 days will result in : Formal complaints to the CFPB ( 12 CFR 1022 ) Litigation under 1681n for willful noncompliance ( statutory damages up to {$3500.00} per violation ) Attached : Equifax credit report ( Confirmation XXXX XXXXXXXX ) Highlighted discrepancies Certify in writing that these items have been permanently removed. 

Sincerely, XXXX XXXX XXXX XXXX : Consumer Financial Protection Bureau, Federal Trade Commission Legal Foundation : 15 U.S. Code 1681i : Requires deletion of unverifiable data.

15 U.S. Code 1681s-2 ( b ) : Mandates furnisher investigations.

CFPB Bulletin 2014-01 : Prohibits reporting of incomplete payment histories.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX XXXX. for {$680.00}. This debt is being reported on my credit file, but I do not recognize it and have never received any documentation proving I owe it. I previously filed a dispute with the credit bureau, but the item was simply " verified '' without any proof being shown.

I have never entered into a contract or agreement with this company, and I have no knowledge of this debt. I requested verification but was not provided with any original documents linking me to the account.

Under the Fair Credit Reporting Act, debts that can not be verified must be removed. I am requesting that this account be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently reviewed a copy of my credit report, and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

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 2025-06-17 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 believe that Equifax violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, regarding the permissible purposes for which a consumer report can be furnished. I have the disputed information listed below. Specifically, the following information appears on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit.

Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-17 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: KS

Complaint narrative:
My cashapp account was used by a member of my family without my permission. They sent 2 seperate payments of {$150.00} on XX/XX/year> to someone i dont even know and are refusing to give me my money back. Ive disputed the charge with both my bank ( SoFi ) and cashapp but am getting denied any help at all. My dispute has been denied by my bank several times even after i explain these charges were not authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-17 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 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: CA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The bankruptcy case was dismissed/closed by the court, and no discharge was granted. Despite this, the account remains inaccurately reported as having been subject to an active or discharged bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: OR

Complaint narrative:
. Your Information : XXXX XXXX XXXX XXXX. 
XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX 1. Loan Servicer Information : Aidvantage XXXX-1 Student loan 2. Nature of Complaint : Select all that apply : Incorrect loan balance reported Misapplied or missing payments Wrongful denial of repayment plan ( e.g., Income-Driven Repayment ) Failure to process loan forgiveness or discharge requests Inaccurate reporting to credit bureaus x Unlawful collection practices ( FERPA-Violation ) Other : 3. Description of the Issue : On XX/XX/year>, the violation of my right under the Family Educational Rights and Privacy ACT ( FERPA ) and the improper handling of student loan data by the Department of Education ( DOE ) and its potential transfer to the Small Business Administration ( SBA ) in 2025.

4. Desired Resolution : I request that the student loan amount of {$120000.00} be dismissed and balanced to zero for the violation of my legal right under the PERPA. In addition, I request confirmation in writing that these corrections have been made. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I believe that Transunion violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, regarding the permissible purposes for which a consumer report can be furnished. I have the disputed information listed below.

Specifically, the following information appears on my consumer report : XXXX account XXXX XXXXXXXXXXXX XXXX Incorrect balance : XXXX account XXXX XXXXXXXX XXXX Incorrect balance : XXXXXXXX XXXX  account XXXX XXXXXXXXXXXX XXXX Incorrect balance : XXXX Card accounXXXX XXXX XXXX XXXX  Incorrect balance : XXXX XXXX account XXXX XXXX XXXX  Incorrect balance : XXXX XXXX account XXXX XXXX XXXX Incorrect balance : XXXX account XXXX XXXX XXXX Incorrect balance : XXXXXXXX XXXX XXXX  XXXX account XXXX XXXX XXXX Incorrect balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect balance : XXXX XXXX XXXX XXXX XXXX XXXX Incorrect balance XXXX XXXX XXXXXXXX account XXXX XXXX XXXX Incorrect balance : If the reported balance is not what you owed when the account closed. 
XXXX XXXX  Loans account XXXX XXXX XXXX Incorrect balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Incorrect balance : XXXX XXXX account XXXX XXXX XXXX  Incorrect balance XXXX XXXX XXXXXXXX account XXXX XXXX XXXX Incorrect balance : XXXX account XXXX XXXX XXXX Incorrect balance : BXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Incorrect balance :

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 2025-06-17 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: LA

Complaint narrative:
I am filing a formal complaint with the Federal Trade Commission ( FTC ) on the basis that your agency accessed and reported information from my consumer file without my explicit written consent. This conduct constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically the permissible purposes defined under 15 U.S. Code 1681b. As the FTC is charged with enforcing federal consumer protection laws, I am requesting immediate action to investigate and remedy this unauthorized activity.

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 2025-06-17 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: WV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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