vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XX/XX/year> -- {$440.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) # XXXX XX/XX/year> -- {$980.00}

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On XX/XX/year> I had XX/XX/XXXXXXXX with new life XXXX center. After XXXX within XXXX I was admitted into the hospital XX/XX/XXXX negligence almost cost my life, he cut my lumbar XXXX XXXX which was causing me to bleed out. I made it to hotel I was bleeding so heavy I called ambulance. I was in icu for XXXX which cost me thousands of dollars. The doctor at the hospital said he knew he cut that XXXX and didn't care about my life.i couldn't sue him because he doesn't have malpractice insurance. I asked for a refunded he basically done nothing to my body I guess because of the XXXX cut. He said he would look into refunding me but never did. 

Date XXXX Amount {$3400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I submitted a formal dispute letter to Transunion on XX/XX/scrub> 2025, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Transunion has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Transunion has therefore failed to conduct a reasonable reinvestigation as required by law 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 2025-10-28 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: IN

Complaint narrative:
I am submitting this 5th expedited follow-up complaint regarding multiple inaccurate late open accounts and billing errors reported on my credit file. Despite previous disputes, these accounts continue to reflect inaccurate information that does not reflect my actual payment history or account status. I am requesting that the credit reporting agencies conduct a thorough reinvestigation and promptly correct all errors in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Credit Billing Act ( FCBA ). 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$400.00} XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2400.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00} Upon review, these accounts have been inaccurately reported as having late payments and incorrect opening dates. Such reporting violates my rights under multiple federal statutes : FCRA 611 ( a ) ( 15 U.S.C. 1681i ) : Requires a prompt and reasonable reinvestigation of disputed information. The bureaus have failed to resolve these disputes accurately.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Mandates that credit reporting agencies maintain reasonable procedures to ensure maximum accuracy. These errors demonstrate failure to meet this obligation.

FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Obligates furnishers to correct and update information once inaccuracies are identified.

FCRA 609 ( a ) ( 15 U.S.C. 1681g ) : Grants me the right to disclosure of sources and verification of disputed accounts to ensure accuracy.

FCRA 616617 ( 15 U.S.C. 1681no ) : Allow for legal remedies if the bureau willfully or negligently reports inaccurate information.

FCBA 1666 ( 15 U.S.C. 1666 ) : Protects consumers from billing errors, misapplied payments, and inaccurate reporting, ensuring prompt correction upon notification. 
The XXXX XXXX account inaccurately reflects late payments and incorrect opening dates. 
The XXXX account is being reported with an inaccurate payment history and misreported activity dates. 
The XXXX XXXX account is similarly misreported with incorrect late open status. 
These reporting errors are materially harming my credit profile and violate the statutory requirements of both the FCRA and FCBA. I am therefore requesting immediate correction of these accounts to accurately reflect my payment history and account opening dates.

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 2025-10-28 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: TX

Complaint narrative:
I am submitting this 3rd expedited follow-up complaint regarding inaccurate information being reported on my credit file. Despite my previous disputes, the following accounts remain inaccurate and unverified, negatively affecting my creditworthiness and financial standing. I am requesting an immediate reinvestigation, correction, or deletion of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) : Requires credit reporting agencies to conduct a reasonable and thorough reinvestigation of any disputed item within 30 days. Despite previous notifications, these accounts remain unverified and inaccurate.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : CRAs must maintain reasonable procedures to ensure maximum possible accuracy. Reporting incorrect balances or statuses violates this requirement.

FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers of information are required to correct and update any information found to be inaccurate upon notice from a consumer reporting agency.

FCRA 609 ( a ) ( 15 U.S.C. 1681g ( a ) ) : I am entitled to full disclosure of information sources and documentation supporting the reporting of these accounts.

FCRA 616617 ( 15 U.S.C. 1681no ) : Willful or negligent reporting of inaccurate information subjects CRAs and furnishers to civil liability.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Provides the right to request deletion or blocking of information that can not be verified. If verification can not be provided, these accounts must be removed permanently.

These accounts have been reported incorrectly or without sufficient verificationXXXX XXXX XXXX and XXXX XXXX have not provided proper documentation supporting the balances, payment histories, or account statuses, despite multiple disputes. Continuing to report unverifiable information violates my rights under federal law and has caused measurable harm to my credit profile.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX on XXXX with a balance of {$7500.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 XXXX XXXX  ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-10-28 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: TX

Complaint narrative:
I am submitting this 3rd expedited follow-up complaint regarding inaccurate information being reported on my credit file. Despite my previous disputes, the following accounts remain inaccurate and unverified, negatively affecting my creditworthiness and financial standing. I am requesting an immediate reinvestigation, correction, or deletion of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) : Requires credit reporting agencies to conduct a reasonable and thorough reinvestigation of any disputed item within 30 days. Despite previous notifications, these accounts remain unverified and inaccurate.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : CRAs must maintain reasonable procedures to ensure maximum possible accuracy. Reporting incorrect balances or statuses violates this requirement.

FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers of information are required to correct and update any information found to be inaccurate upon notice from a consumer reporting agency.

FCRA 609 ( a ) ( 15 U.S.C. 1681g ( a ) ) : I am entitled to full disclosure of information sources and documentation supporting the reporting of these accounts.

FCRA 616617 ( 15 U.S.C. 1681no ) : Willful or negligent reporting of inaccurate information subjects CRAs and furnishers to civil liability.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Provides the right to request deletion or blocking of information that can not be verified. If verification can not be provided, these accounts must be removed permanently.

These accounts have been reported incorrectly or without sufficient verificationXXXX XXXX XXXX and XXXX XXXX have not provided proper documentation supporting the balances, payment histories, or account statuses, despite multiple disputes. Continuing to report unverifiable information violates my rights under federal law and has caused measurable harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
I am submitting this 3rd expedited follow-up complaint regarding inaccurate information being reported on my credit file. Despite my previous disputes, the following accounts remain inaccurate and unverified, negatively affecting my creditworthiness and financial standing. I am requesting an immediate reinvestigation, correction, or deletion of these accounts pursuant to the Fair Credit Reporting Act ( FCRA ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$170.00} FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) : Requires credit reporting agencies to conduct a reasonable and thorough reinvestigation of any disputed item within 30 days. Despite previous notifications, these accounts remain unverified and inaccurate.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : CRAs must maintain reasonable procedures to ensure maximum possible accuracy. Reporting incorrect balances or statuses violates this requirement.

FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ) : Furnishers of information are required to correct and update any information found to be inaccurate upon notice from a consumer reporting agency.

FCRA 609 ( a ) ( 15 U.S.C. 1681g ( a ) ) : I am entitled to full disclosure of information sources and documentation supporting the reporting of these accounts.

FCRA 616617 ( 15 U.S.C. 1681no ) : Willful or negligent reporting of inaccurate information subjects CRAs and furnishers to civil liability.

FCRA 605B ( 15 U.S.C. 1681c-2 ) : Provides the right to request deletion or blocking of information that can not be verified. If verification can not be provided, these accounts must be removed permanently.

These accounts have been reported incorrectly or without sufficient verificationXXXX XXXX XXXX and XXXX XXXX have not provided proper documentation supporting the balances, payment histories, or account statuses, despite multiple disputes. Continuing to report unverifiable information violates my rights under federal law and has caused measurable harm to my credit profile.

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 2025-10-28 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:
I am submitting this formally dispute inaccurate and misleading accounts currently being reported on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically FCRA 611 ( 15 U.S.C. 618i ) Disputing inaccurate information with credit bureaus ; FCRA 623 ( a ) ( 2 ) Furnishers duty to correct and update information ; FCRA 623 ( b ) Furnishers duty to conduct a reasonable investigation once a dispute is filed ; and FCRA 602 Congressional findings emphasizing the importance of accuracy, fairness, and integrity in credit reporting. The items listed below contain errors or incomplete information, and I request a full reinvestigation and correction. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1800.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX Late 30 Days XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : $ XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$10000.00} Date Opened : XX/XX/XXXX Last Payment : XX/XX/XXXX late 30 days XX/XX/XXXX 2025

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 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
MY CASE WAS NOT PROCESSED AS IDENTITY THEFT OF ACCOUNT I DID NOT AUTHORIZED

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 2025-10-28 00:00:00
Product: Student loan — Private student loan
Issue: Issue with income share agreement — Payment issues
Company: Ascent Holding Co
State: PA

Complaint narrative:
am writing to formally lodge a complaint regarding my student loan ( XXXX XXXX : XXXX ) in the amount of {$13000.00}, which was disbursed for a XXXX XXXX program that has proven to be fraudulent and misleading in its representations. 
Background : I enrolled in a cybersecurity bootcamp program that Ascent Funding financed on the representation that : 1. The program would provide guaranteed job placement in the cybersecurity field after completion.

2. The loan would be repayable after securing employment in the field. 
However, XXXX years after completion, I have not received any job offer or employment assistance as promised by the bootcamp. The program failed to deliver on the advertised outcomes that influenced my decision to borrow. Despite this, Ascent Funding began charging interest immediately upon disbursement, rather than deferring it until after graduation or employment, contrary to the nature of a fair educational financing agreement.

Grounds for Complaint : 1. Fraudulent Inducement and Misrepresentation The loan was obtained under false pretenses based on misleading information provided by the bootcamp, which Ascent Funding financially facilitated. Under 15 U.S.C. 45 ( a ) ( 1 ) ( FTC Act ), deceptive practices in commerce are unlawful.

2. Violation of the FTC Holder Rule ( 16 C.F.R. 433 ) Any company that finances a consumer purchase ( including education loans ) is subject to the same claims and defenses the borrower could assert against the seller.

3. Failure of Consideration / Breach of Implied Contract The fundamental purpose of the loanto secure education leading to employmenthas failed. Under contract law, when the consideration fails, continued payment can not be demanded.

4. Unfair and Predatory Lending Practice Charging interest from the first day of disbursement, despite representations that repayment would start after job attainment, constitutes an unfair or abusive practice under 12 U.S.C. 5531 ( DoddFrank Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MD

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I have paid off settlements information has never been updated and my credit score is trash

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 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I have paid off settlements information has never been updated and my credit score is trash

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
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 explanation