vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed in Accordance with 28 U.S.C. Sec. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

809. Validation of Debt [ 15 U.S.C. 1692 ( g ) ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection [ a ] that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor is mailed to the consumer by the debt collector. 


This notice for proof of claim has been sent to XXXX XXXX 3 times within 30 days, non response from the recipient. In accordance with 15 U.S.C. 1692 ( g ) ALL collections are ceased and XXXX XXXX can not place any negative remarks on my credit until validation of debt has been satisfied. A court case has been filed at XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX because of lack thereof.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed in Accordance with 28 U.S.C. Sec. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

809. Validation of Debt [ 15 U.S.C. 1692 ( g ) ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection [ a ] that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor is mailed to the consumer by the debt collector. 


This notice for proof of claim has been sent to XXXX XXXX 3 times within 30 days, non response from the recipient. In accordance with 15 U.S.C. 1692 ( g ) ALL collections are ceased and XXXX XXXX can not place any negative remarks on my credit until validation of debt has been satisfied. A court case has been filed at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX because of lack thereof.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed in Accordance with 28 U.S.C. Sec. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.

809. Validation of Debt [ 15 U.S.C. 1692 ( g ) ] ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection [ a ] that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor is mailed to the consumer by the debt collector. 


This notice for proof of claim has been sent to XXXX XXXX 3 times within 30 days, non response from the recipient. In accordance with 15 U.S.C. 1692 ( g ) ALL collections are ceased and XXXX XXXX can not place any negative remarks on my credit until validation of debt has been satisfied. A court case has been filed at XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX because of lack thereof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I am writing to formally request the removal of a closed account listed on my credit report that I believe is being reported without a permissible purpose under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ). 

According to the FCRA, consumer information may only be provided to entities with a legally defined permissible purpose. I have reviewed my credit report and found that the closed account with the following details does not meet this standard : XXXX XXXX ( CLOSED ) Account Number XXXX XXXX Reported Balance CHARGE_OFF Available Credit {$1000.00} - {$300.00} 2, WELLS FARGO CARD XXXX  ( CLOSED ) Account XXXX XXXX Reported Balance CHARGE_OFF Available Credit {$3200.00} - {$770.00} XXXX XXXX ( XXXX ) Account Number XXXX XXXX XXXX  ( CLOSED ) Account Number XXXX XXXX XXXX XXXX ( CLOSED ) Account Number XXXX Reported Balance {$0.00} CHARGE_OFF

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 2025-05-21 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: TX

Complaint narrative:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2025-05-21 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is a follow-up complaint addressing the appearance of suspicious and potentially unauthorized inquiries on my Equifax credit report. Specifically, there are repeated entries from " XXXX XXXX XXXX  '' dated XX/XX/XXXX and XX/XX/XXXX, as well as an entry from " INFORMATION SEARCHIN '' dated XX/XX/XXXX. I have no relationship with these entities, nor have I given explicit permission for them to access my credit file. These inquiries appear to have no permissible purpose and were not the result of any credit applications or transactions initiated by me.

According to 15 U.S.C. 1681b ( c ) and 1681b ( f ), any party requesting access to a consumers credit file must have a legitimate reason and must certify that purpose to the credit bureau. Equifax, as the reporting agency, is obligated to ensure that such inquiries are both valid and authorized. Given the number of high-profile data breaches impacting consumer reporting agencies and the fact that I never received any disclosures or consent requests related to these inquiries, I am deeply concerned about the security and accuracy of the information Equifax continues to publish.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: OH

Complaint narrative:
There is an account on my credit report that is not mine and belongs to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Check Systems is reporting an bank account that I never opened with XXXX  XXXX for XXXX this account was opened with my knowledge and I did not find out about this account until I went to open up an account on yesterday.

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 2025-05-21 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: VA

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 2025-05-21 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: PA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * * XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year>, I went shopping at the XXXX XXXX  in XXXX, TX. While at the store I noticed 0 % financing offers on certain dollar amounts if purchased with the XXXX XXXX XXXX, administered by Comenity Bank. Seeing the offer, I applied for the card and was accepted with a {$15000.00} credit limit. I then made a purchase of {$4500.00}, which according to the brochure was to be automatically enrolled on a XXXX, 0 % interest plan. The XXXX XXXX XXXX brochure advertised all purchases over {$500.00} had 0 % interest for 6 months, over {$1000.00} had 0 % for 12 months, and over {$2500.00} had 0 % for over 24 months. 
On my first statement, I was already, incorrectly being charged interest. Called Customer Service, and they removed the interest charge. Same thing happened again the following month. This time I went to the XXXX XXXX  to speak with a XXXX and to call Customer Service to resolve the issue of not honoring the 24 month 0 % interest promotional plan. Each month, I have had to call Customer Service to fix the issue. On my last statement, dated XX/XX/year>, Customer Service refused to fix the issue, and told me I needed to send a secure message through the website. Unbelievably, Comenity Bank still refused to honor the 24 month XXXX interest plan, stating I did not make the purchase under the plan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is a follow-up complaint regarding inaccurate and outdated personal information being reported by TransUnion. Specifically, the address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX is appearing on my credit report, despite the fact that I have never resided at this location. I have previously submitted disputes requesting the removal of this address, but TransUnion continues to report it as associated with my file. The continued presence of this address raises serious concerns about the integrity of the data on my report and the possible commingling of information or exposure due to a data breach.

Under 15 U.S.C. 1681i, TransUnion is obligated to reinvestigate any information the consumer disputes and to delete or correct any information that is found to be inaccurate, incomplete, or unverifiable. By maintaining an address that I have repeatedly denied as minewithout supplying any documentation proving a valid link to my credit activityTransUnion is failing its duty under the FCRA. Additionally, the fact that inaccurate personal information continues to surface suggests potential exposure of my data or errors stemming from improper matching algorithms.

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 2025-05-21 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:
Dear Consumer Financial Protection Bureau, I am writing to formally request your assistance regarding ongoing issues with my credit reports from Experian, TransUnion, and Equifax. Despite my efforts to dispute inaccuracies and provide supporting documentation, including my Federal Trade Commission ( FTC ) report, these credit bureaus continue to report incorrect information that I believe is fraudulent. 

As a consumer, I have the right to accurate information on my credit report as outlined in the Fair Credit Reporting Act ( FCRA ). This law mandates that credit reporting agencies must ensure the accuracy and integrity of the information they report. When I disputed the inaccuracies with each bureau, I provided comprehensive evidence demonstrating that the reported items were not mine and were indeed fraudulent. However, despite these efforts, the erroneous entries remain on my credit report. 

The FCRA also stipulates that consumers have the right to dispute any information they believe is inaccurate or incomplete. Upon submitting my disputes along with my FTC reportwhich details instances of identity theftI expected a thorough investigation into these claims. Unfortunately, it appears that the credit bureaus did not conduct adequate investigations or take appropriate action based on the evidence provided.

Moreover, under Section 609 of the FCRA, consumers can request a copy of their credit report if they believe there are inaccuracies. I have exercised this right but continue to find discrepancies that do not reflect my true credit history. The persistence of these inaccuracies not only affects my credit score but also hinders my ability to secure loans and other financial opportunities. 

I kindly ask for your intervention in this matter. Specifically, I would like you to investigate whether Experian, TransUnion, and Equifax are complying with their obligations under federal law regarding accurate reporting and proper handling of disputes related to fraudulent activity. 

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

Sincerely, 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 explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
The account was closed without explanation. I was behind a little bit but had a strategy to catch up the balance. Once I did catch it up with a balance below the credit limit I found it was closed by XXXX XXXX XXXX company that services the store card ( XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ). 
After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX  XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.

Company response to consumer: Closed with explanation