vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Credit Bureaus refuse to remove fraudulent accounts after providing Police Report and FTC identity theft report. Following account is XXXX which I have never heard of aside from the fact the company filed bankruptcy and they are reporting a charge off on my report

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 2025-07-19 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: CA

Complaint narrative:
After receiving an email from Equifax notifying me that my personal information has been compromised in a data breach. I discovered negative and unauthorized information on my credit reports and I immediately contacted Experian, Equifax and TransUnion to dispute the items in question. I provided the necessary documentation to support my claims, explaining that these debts were not incurred by me and were a result of fraudulent activity linked to the Equifax data breach. Despite my efforts, Experian, Transunion and Equifax denied my case, asserting that the information had been " verified '' and leaving the fraudulent entries on my credit report. These denials has caused me significant distress, which have negatively affected my financial stability and mental well-being, as these negative marks are damaging my credit and my financial standing. Specifically, I have faced multiple instances of being denied services, including credit applications and other essential opportunities. I believe that Experian, Transunion and Equifax has not fully investigated the potential fraudulent activity tied to the Equifax data breach and I am seeking further assistance to correct the errors on my report. I remain committed to resolving this matter and protecting my financial well-being. 
UNAUTHORIZED ACCOUNTS LISTED BELOW : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: AZ

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 2025-07-19 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: AL

Complaint narrative:
I am disputing an account from LVNV Funding LLC that is reporting on my credit file. I do not recognize or owe this debt. I requested validation of this debt and have not received proper documentation as required under 15 USC 1692g. The account is still being reported and marked as open, even while in dispute. This is negatively affecting my credit score as I prepare to qualify for a mortgage. 

I believe this is a violation of the Fair Credit Reporting Act ( FCRA 15 USC 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( FDCPA 15 USC 1692g XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have been an American Express customer for 12 years including paying for a Platinum Card and additional cardholders. I make thousands of dollars worth of purchases on my Amex cards every month. In total, we have XXXX Amex credit accounts, including separate Platinum and Gold cards. We also have an Amex savings account. 

I booked XXXX XXXX XXXX XXXX on XX/XX/XXXX through the Amex portal which advertised a {$750.00} property credit in addition to the regular {$100.00} credit. Before booking, I called the Amex customer service and they confirmed that the promo is ongoing and my booking meets the terms stated in the promo. To be safe, I took a screenshot of the promo. 

I called the hotel on XX/XX/XXXX and they stated that they dont see the {$750.00} property credit on my booking. I called Amex Platinum customer service immediately and the customer representative was very unhelpful. I was on hold for XXXX minutes only to be told that Amex would not be honoring the {$750.00} property credit. There was no explanation on the problems on Amexs side, just that the promo has now expired and they could only apply the current {$450.00} promo. I asked to be transferred to a supervisor, but the representative refused, saying that the supervisor would say the same thing. 

I called Amex customer service again later that day on XX/XX/XXXX and asked to be transferred to a supervisor. I was put on hold for more than XXXX hour without any response, until I finally gave up and hung up. 

American Express has shown a blatant disregard of upholding their promises and provided a terrible experience to a loyal, long-term card holder. If this is not resolved, I will have to seriously reconsider keeping my accounts and would explore going to a competing XXXX card for my travel and other needs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

The following account ( s ) are being reported inaccurately : Account Name : XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like E-Oscar.

If the item can not be verified with original documentation, it must be deleted immediately.

Continued reporting of this inaccurate information will be considered willful noncompliance, exposing you to civil liability under FCRA.

If this matter is not resolved within 15 calendar days, I will file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I will also pursue civil litigation for damages resulting from your failure to comply with federal law.

This is not a request it is a demand backed by statute. I expect written confirmation of deletion and an updated credit report without delay. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: I.C. System, Inc.
State: GA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy.

The following account ( s ) are being reported inaccurately : Account XXXX : XXXXXXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX * * * * I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that : You must investigate this item thoroughly and manually, not through automated systems like E-Oscar.

If the item can not be verified with original documentation, it must be deleted immediately.

Continued reporting of this inaccurate information will be considered willful noncompliance, exposing you to civil liability under FCRA. 

If this matter is not resolved within XXXX calendar days, I will file formal complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney Generals Office. I will also pursue civil litigation for damages resulting from your failure to comply with federal law. 

This is not a request it is a demand backed by statute. I expect written confirmation of deletion and an updated credit report without delay. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I am writing to dispute the accuracy of certain items on my consumer report. Under the Fair Credit Reporting Act ( FCRA ), specifically [ 15 USC 1681i ], I am entitled to dispute any information that I believe is incorrect. Furthermore, [ 15 USC 1681s-2 ( a ) ( 1 ) ] mandates that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information they report. 

See image below for reference with dates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, My name is XXXX XXXX, and I am in urgent need of an Experian security freeze lift for Fall 2025 college acceptance ( deadline is the first week of XXXX ). 

When I was a minor, my mother placed a security freeze across all three ( XXXX ) credit bureaus due to a data breach with XXXX XXXX XXXX ( medical insurance in GA ). Freeze was applied approximately 10 years ago. I have since been able to successfully lift freezes on Equifax and Transunion but have been unsuccessful in getting through to a live agent at Experian for assistance with lifting the security freeze. 

We have called their main consumer line multiple times, however, the automated system has not offered prompts to resolve the issue. The phone number that was called was XXXX to no avail. I have made multiple attempts to reset my login online on the Experian website, to include creating an account, use different security reset methods, but that has proven unsuccessful. I am in urgent need of assistance as I am scheduled to begin college this fall semester and will need this freeze lifted in order to proceed with pertinent steps. I am in dire need of your assistance in getting through to a personnel from Experian or have a contact reach out to me or my mother for a timely resolution. 

My contact number is XXXX, email address is XXXX. My mother is added as an additional point of contact. Her name is XXXX XXXX, her phone number is XXXX, and her email address is XXXX. She is authorized to call into Consumer Finance Protection Bureau for updates on this complaint. 


Best Regards, XXXX XXXX XXXX - XXXX Additional Point of Contact : XXXX XXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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'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 2025-07-19 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
In XXXX of XXXX I financed a prebuilt gaming pc from a company called XXXX XXXX, who used a finance company called Bread Financial for a 26 month, 15.99 % loan repayment plan. The cost of the computer was {$2200.00}. The finance charge was {$430.00} for a grand total of {$2700.00}. Divide that total by the 26 months of the length of the loan to arrive at my monthly payment of {$100.00}. 

My first payment ( confirmed by bank statements ) was XXXX of XXXX. According to my records I've made XXXX of my XXXX payments. 22 months at {$100.00} per month is {$2300.00} that I've paid so far, leaving me with a balance of {$410.00} which would equal the last XXXX months payments of the loan. 

However... 

According to Bread Financial, my first payment wasn't until XX/XX/XXXX of XXXX. They're claiming that to date, XX/XX/XXXX, I've only made XXXX payments totaling {$1400.00} with an outstanding balance of {$1200.00}, as though I have 12 months of payments left over as opposed to XXXX. 

I contacted Bread Financials customer service yesterday, XX/XX/XXXX. I didn't catch the name of the agent I spoke with, but after explaining my situation, the agent kept telling me " I'm sorry. Our records say you still owe almost {$1300.00} ''. To which I would reply, " Yes. That's why I'm calling. I have bank statements that can prove that this is wrong ''. To which she would again reply " I'm sorry. Our records say you still owe almost {$1300.00} ''. 

This pointless back and forth went on for some time and I was never offered a way or an opportunity to present my bank statements which show that I've been making payments since XXXX of XXXX, as well as my order conformation from the company that built my pc and sent it to me around XXXX of that year as well. 

Which brings me here. I've gathered my relevant information, in hopes that somebody will help me make these people realize that they've made an error about the amount that is left on my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: CA

Complaint narrative:
Credit Bureaus refuse to remove fraudulent accounts after providing Police Report and FTC identity theft report. Following account is XXXX which I have never heard of aside from the fact the company filed bankruptcy and they are reporting a charge off on my report

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 2025-07-19 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:
b'I am writing to formally dispute inaccurate or outdated information appearing on my credit report, as provided to me by your agency. Specifically, the items listed below are showing to have balances owed despite being paid in full and resolved.  \nThe items in question:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis account was paid in full by insurance with no balance owed'

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 2025-07-19 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: RI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-19 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: RI

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation