vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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:
XXXX XXXX, XXXX, XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: CA

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 explanation
Consumer complaint received 2025-08-05 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: CA

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 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 2025-08-05 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: CA

Complaint narrative:
I am filing this dispute because I have reviewed my credit report and found inaccurate and misleading information being reported by one or more furnishers. Specifically, the following accounts are showing late payments, charge-offs, or derogatory statuses that I guarantee are incorrect : XXXX XXXX  : Reporting charge-off with a balance of {$9600.00} XXXX XXXX XXXXXXXX : Reporting multiple delinquencies including a 120-day past due status XXXX  XXXX : Reporting 60-day delinquency XXXX XXXXXXXX : Reporting a 30-day delinquency I have attempted to resolve this directly with the credit bureaus but have not received satisfactory resolution. These accounts are negatively affecting my creditworthiness. I respectfully request that the CFPB ensure a full investigation is conducted under the Fair Credit Reporting Act and that any unverifiable or inaccurate information be permanently removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: MD

Complaint narrative:
Institution : XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Type of Complaint : Deceptive or misleading practices in higher education Improper debt collection of disputed/forgiven loans Harm caused by reliance on false information Summary of Complaint : I am filing a complaint against XXXXXXXX XXXX  for engaging in deceptive and misleading practices that induced me to take on significant student loan debt between XXXX and XXXX, and for subsequently pursuing me on an old debt that should not be collectible. These actions have caused me substantial financial harm and emotional distress. 



Details of the Complaint : 1. Misrepresentation of Program Duration & Cost I was told by XXXX advisors that I could complete my XXXX XXXX XXXX in XXXX program in as little as 6 months and that I would only need to pay for one semester at a time.

In reality, I remained enrolled for 18 months without graduating, while being repeatedly assured that I was just one or two semesters away.

The program cost escalated far beyond what was disclosed, leaving me with approximately {$75000.00} in debt.

2. False Promises of No Out-of-Pocket Costs I was assured that my financial aid would fully cover my tuition and that I would not need to pay out of pocket.

Despite these assurances, I was billed repeatedly and eventually withdrew just shy of completing my degree due to financial strain and deceptive advisement.

3. Ongoing Harm from XXXX XXXX XXXX ( and/or their affiliated collectors ) is now attempting to collect on this very old debt.

This collection activity is particularly egregious given that I have already filed a Borrower Defense to Repayment application with the U.S. Department of Education citing these very deceptive practices.

The pursuit of this debt despite my pending Borrower Defense claim, and despite the passage of many years, constitutes harassment and unfair collection practices.

4. Impact on My Financial Well-Being I have suffered significant financial harm, including damaged credit, denial of financial opportunities, and emotional distress.

I have also continued to pay interest on loans taken under false pretenses.

Relief Requested : I request that the CFPB investigate XXXX University and its parent company XXXX XXXX XXXX XXXX ) for deceptive enrollment and financial aid practices. 
I request that all collection efforts on this disputed debt be immediately ceased while my Borrower Defense application is pending.

I request discharge and full cancellation of the associated student loan debt, as well as correction of any negative credit reporting tied to these loans.

I request reimbursement or restitution for payments already made toward this fraudulent debt.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Credit Control, LLC
State: AL

Complaint narrative:
I received a text message that contained private information about another individual.

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 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am the victim of identity theft. In XX/XX/, I discovered that multiple fraudulent accounts were opened using my information without my knowledge or consent. These include, but are not limited to : A credit card account with XXXXXXXX XXXX XXXX XXXX XXXX accounts reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX A personal loan listed by Jefferson Capital Systems for XXXX Numerous hard inquiries from companies like XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX and others. 

Additionally, my credit report includes false addresses ( including in XXXX, IL and XXXX, GA ) and names that do not belong to me, such as " XXXX XXXX. '' I initially filed an FTC Identity Theft Report using an old email I no longer have access to. That report is now compromised. I have since filed a corrected FTC report under my current secure email and am formally disputing every item listed above under FCRA Section 611 ( 15 U.S.C. 1681i ). 

I am requesting a full reinvestigation and permanent blocking of all fraudulent entries under Section 605B ( 15 U.S.C. 1681c-2 ). I also demand that furnishers and bureaus close the affected accounts on their end and cease all reporting and collection activity. 

Finally, I request full documentation from each CRA and data furnisher, showing how they verified these disputed items, including method of verification and who verified them. No stall tactics or unverifiable statements will be accepted under 15 U.S.C. 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. Reviewing my credit reports, I noticed some accounts I am unfamiliar with. I have asked the CRAs for validation of debt, however, the information has not been provided. Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with. Please find attached a copy of my ID, the FTC complaint, a copy of a data breach report showing my information being exposed in a national data breach and a validation of a debt letter.

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 2025-08-05 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: NE

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to 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 2025-08-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Cash app locked my account for what they called suspicious activity on Friday at XXXX. I do this transaction every month. They said the investigation would take 24 to 48 hours. It now Monday XXXX. They have not unlocked my account and they won't give me any information regarding anything to do with unlocking my account. I don't know what they are planning to do with my money. I've asked questions to customer service and my questions went unanswered. One representative hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NY

Complaint narrative:
My credit report contains multiple inaccurate and unverifiable items that are negatively affecting my credit profile. I have previously submitted disputes to the credit reporting agencies, but several of those items were not properly investigated and were marked as verified without legitimate documentation or explanation. 

In addition, I have now identified new inaccurate or outdated entries that have not yet been disputed. These items are also harming my credit and appear to be in violation of the Fair Credit Reporting Act ( FCRA ), including sections related to the duty to maintain maximum possible accuracy and to conduct a reasonable reinvestigation ( 15 U.S.C. 1681i and 1681e ( b ) ).

I am requesting a full reinvestigation of all disputed accounts, immediate deletion or correction of any unverifiable or inaccurate information, and confirmation that the credit bureaus and furnishers have complied with FCRA obligations.

Supporting documentation has been attached to show the errors and previous attempts to resolve them. 

I expect a fair and lawful resolution to this complaint. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: IL

Complaint narrative:
XXXX XXXX has added negative remarked regarding late payment status. This account was paid in full on XX/XX/year> with a XXXX balance

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
Creditor said they sent information to my address and was never sent back undeliverable or return to sender however that address has a shared mailbox and sometimes certain pieces of mail doesnt always make it to the correct person. Also if this matter has been closed then why not take it off my credit report? This company explains they sent mail however the mail must have been lost or something due to the fact I was never notified or never received anything and since closing the account this account should be taken off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
RE : Dispute and Correction Request Under 15 U.S.C. 1666b Improper Late Fee and Reporting * * Account : COMENITYCB/XXXX This is a * * formal dispute and demand for correction * * under * * 15 U.S.C. 1666b * *, which governs how payments must be credited and when they may be considered late on an open-end credit account.

I have discovered that your institution has reported a * * 30-day late payment for XX/XX/XXXX * * on my above-referenced account. Based on my records and federal law, I assert that this derogatory reporting is improper and must be * * removed immediately * * for the following reason : Legal Basis 15 U.S.C. 1666b ( a ) : * * > A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose * * unless the creditor has adopted reasonable procedures to ensure that each periodic statement is mailed or delivered to the consumer not later than 21 days before the payment due date. * * If Comenity Capital Bank failed to mail or deliver the XX/XX/XXXX statement at least * * 21 days prior * * to the due date, * * any assessment of a late fee or negative credit reporting constitutes a clear violation of federal law * *. I request confirmation that this procedural requirement was met. If it was not, the late reporting is unlawful and must be removed. 

* * Supporting Case Law : * * * * * XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : * * The court held that failure to follow 1666bs 21-day rule may give rise to a TILA violation if the creditor reports a late payment or assesses a fee prematurely. 
* * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX XXXX ) : * * Reinforces that procedural deficiencies in notice and timing under TILA can void creditor penalties and reporting. 
* * * Federal Reserve Final Rule Commentary ( Reg Z 226.5 ( b ) ( 2 ) ) : * * Clarifies that failure to mail statements 21 days before due dates invalidates late fees and derogatory treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this formal complaint against Transunion for willful violations of the Fair Credit Reporting Act ( FCRA ), specifically 605B and 611, due to its failure to block fraudulent accounts after I submitted all required documentation on XX/XX/XXXX, including a valid identity theft affidavit, government-issued ID, proof of address, and evidence linking my data to the XXXX  breach XXXX Despite clear obligations under 605B to block the accounts within four business days, Transunion ignored the law and processed my dispute as a regular 30-day dispute without disclosing the source or method of verificationviolating 611 's mandate for a reasonable reinvestigation. This conduct mirrors the unlawful practices condemned in XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX XXXX where courts ruled that automated verifications and failure to properly investigate consumer disputes constitute noncompliance. The CFPB 's 2012 Bulletin further warns against these systemic failures. I demand an immediate block of the fraudulent items, written disclosure of the verification sources used, and confirmation that this dispute has been manually reviewed as required by law. Continued noncompliance may result in legal action under 1681n for willful violations.

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