vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXXXXXX XX/XX/year> -- {$0.00} DEPTEDXXXX # XXXX XX/XX/year> -- {$0.00} DEPTEDXXXX # XXXX XX/XX/year> -- {$0.00} DEPTEDXXXX # XXXX XX/XX/year> -- {$0.00}

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Date of inquiry : XXXX/XXXX/2024 XXXX  Date of inquiry : XX/XX/year>2024 XXXX  Date of inquiry : XXXX/XXXX/2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i am a legitimate victim of identity theft resluting in numerous inquiries, addresses and accounts wven a bankruptcy that isnt mine on my credit. i disputed with experian, they removed them then added it back and said inknowingly submitted false information and that is not true! i filed a lefitimate report with ftc and experian is reporting false information and they have a duty to report accurate information. they are not investigating properly!

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: DHI Mortgage Company
State: MI

Complaint narrative:
We went to a new build location we began work with one sales person. She was great until she wasnt. I was driving from out of state to meet with her each time. We were going back and forth amongst ourselves on if we would have enough backyard space with the lot on a street that they specifically opened up the lots just for us. I had finally mad a decision and appt to meet and put a down payment & received a call 30min away that the lot had been sold. I located a local realtor online to assist. She had someone she regularly worked with and we were able to change salespeople. We drove back down and located another lot and started the process. We received an approval as long as we provided small items such as insurance, statements etc. The approval was with my spouses XXXX income. They requested the same documents multiple times. Especially my spouse who my spouses payee was. I requested multiple times to meet in person to go over the process and numbers. I keep getting blown off. I did get a XXXX  meeting once. I built yrs ago so I didnt realize things were so different. I asked about down payment assistance. I was told my income was too high & didnt qualify. I asked again once another person was assigned. No response. When I applied on my application I noted I wanted to put down XXXX just to get to closing 2wks before and the XXXX time someone picks up the phone to call me from the company to go over financial and say you owe XXXX at closing. I asked do I qualify for down payment assistance or is there anything they can do to assist. All of a sudden they say matter of fact you no longer qualify for the loan because your husband gets XXXX benefits and he has a payee. I was advised those are HUD guidelines. I called HUD directly and was told nothing specifically says that in their guidelines. In the meantime daily I had a call with DR Horton rep advising me to get a 1099, change my spouses benefits to his name only, get bank statements, add my spouses payee to the loan. Social security advised they dont provide a 1099 for his to of social security. He is my spouse and we are our own taxes together. He isnt his payees child. The builder provided down payment and low interest rate making it hard to go elsewhere and Ive already relocated my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Account with ( XXXX XXXX XXXX ) account # ( XXXX ) is reported as a charge off when that is incorrect. Account is also listed as paid in full, which it was paid before any charge off occurred. In addition, I have formally requested from the creditor a copy of IRS Form 1099-C ( Cancellation of Debt ) for this account. Despite repeated written and verbal requests, the creditor has failed to provide the required documentation or confirm whether the debt has been canceled and reported to the IRS. 
This lack of response raises compliance concerns under IRS regulations as well as consumer protection obligations to provide transparency regarding a potentially forgiven debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
FINAL DEMAND FOR IMMEDIATE CREDIT REPORT CORRECTION XXXX  XXXX : XXXX XXXX Date : XX/XX/year> Report Type : XXXX  Full File URGENT DEMAND NEGATIVE TRADLINES MUST BE DELETED TODAY Equifax and all data furnishers are willfully violating federal law, including the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and federal CARES Act protections. The repeated inaccurate, misleading, duplicate, and re-aged reporting has destroyed my credit, my ability to work, provide for my children, and access lifesaving medical care.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-17 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: GA

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Since I am in the XXXX I was unable to log into my account as Comenity Bank considers any XXXX registered device using a foreign IP address a security threat and refuses to connect with it. It shows the bank does not have appropriate IT resources allocated to have any account being serviced in a worldwide scenario which is a new thing for the XXXX XXXX branded cards which pioneered a worldwide credit card use. 
Subsequently I paid the {$300.00} remaining balance from the checking account at XXXX XXXX  # XXXX however the Comenity Bank alleges that the payment has never been received. Not only its XXXX customer service is unprofessional and unable to offer any real assistance but when I asked to be transferred to the US customer service I was sent to the collection line instead. 
This is the second issue I have with the bank providing outrageously poor customer service bordering on insulting people who give it business. It is obvious that this done by outsourcing it to a third party vendor in XXXX which in turn has absolutely no quality control on their end. In this way the bank does not care about its customer base but it is also unable to provide a basic accounting on the accounts such as appropriate booking of payment. As result I expect the following : XXXX ) audit of the account on its end to figure out what happened to the {$300.00} payment sent on XX/XX/year> ( copy attached ) XXXX ) closing of the account as I have no desire to continue suffer insults and incompetence with Comenity Bank. 
XXXX ) credit of all of the outstanding balance points to the account and transferring them to the outstanding balance. 

If the bank does not resolve the issue of payment on its end ( copy attached ) and still insists on double payment I will take the issue to the small claims court and the local media where Comenity Bank provides its services The bank is completely out of control and its processes are unable to meet basic financial infrastructure needs. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: T.S. Holdings
State: NV

Complaint narrative:
I previously requested debt validation of the alledged debt from the debt collection agency and debt furnisher and I did not receive this information. I am exercising my right as a consumer. This correspondence is a formal continuation of my earlier dispute regarding the above-referenced account. I acknowledge receipt of your response, which do not satisfy the legal requirements for full debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and 15 U.S.C. 1692g ( b ) nor does it provide sufficient evidence of your legal ownership or authority to collect this debt. I hereby reiterate my request for complete validation, specifically including : A full and unbroken chain of title demonstrating legal assignment or transfer of this account from the original creditor to your agency Legal documentation that identifies the debt with specificity in each assignment, not merely generic references to bulk portfolios Evidence of your current authority to collect this debt and report it to any consumer reporting agency Per FDCPA 1692g and 1692e, you are required to provide documentation that establishes your standing and the validity of the alleged debt. Furthermore, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information must ensure accuracy and conduct proper investigations when a dispute is received. Failure to do so may constitute willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I reviewed my Transunion credit report and noticed a improper unauthorized inquiry that does not belong to me.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

DEPTEDXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} DEPTEDXXXXXXXX XXXX XXXX XXXX XXXX- {$0.00} DEPTEDXXXX # XXXX XX/XX/XXXX -- {$0.00} DEPTEDXXXX # XXXX XX/XX/XXXX -- {$0.00} DEPTEDXXXX # XXXX XX/XX/XXXX -- {$0.00}

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 2025-08-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: MN

Complaint narrative:
Close to the end of XXXX beginning of XXXX I got a call from collector I.Q data International. I was surprised since I went to court with apartments case was dismissed and expunged. The first rep I spoke to was a female I told her at the moment Im at work and cant take the call but would call as soon as Im off. She begins to get rude saying why did I take the call and if I didnt speak with her they will just mark me as refusing to pay. I told I have sick child and thought it was the school calling about another child of mines she didnt care. I called back ask for supervisor but was given another rep a guy. I explained that I was not aware I owe because of court and that just got out of a situation of being homeless so was sort on funds. I agreed to make a partial payment of {$60.00} dollars and asked for a payment plan also asked for receipt of payment and a statement of what I owe they acted like they were checking to see if I could since they said was hardship and would qualify. XXXX ended up saying no I couldnt do it and I should use my tax return returns to pay. Informed them it was enough I would do so they rent a hid a setup payment for full amount of {$1800.00} on XX/XX/year>. I called company back to cancel that payment as my return was not coming anytime soon they refused to cancel payment and told me I should wan na use my refund to pay and should have got it by now told me to also take out a loan to pay balance and was just using excuses and not being responsible. I end blocking payments with my bank and every so often balance keeps going up with no help for them to try and solve as I want to pay just dont have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Ive tried to deposit {$200.00} to my capital one debit card. But the ATM at the XXXX  retain my {$100.00}. 

XXXX  location : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute and express my deep concern regarding a recent negative mark reported on my credit history related to my XXXX ( Comenity ) credit card account. 

I have always maintained excellent credit, with no history of late payments. Until recently, my credit scorXXXX was XXXX. However, I was recently shocked to discover that my score dropped by XXXX points, now standing at XXXX, due to a late payment reported by ULTAs credit card issuer. 

This XXXX credit card account is new, and I believed I had properly set up automatic payments when activating the card. I was in the middle of a family crisis during this period and had no indication that a payment issue occurred. I never received a paper notice, phone call, or even an email notifying me that the automatic payment failed or that my account was becoming past due until now. The letter is dated XX/XX/year>. What it means is they first reports you and then sent you a letter by mail. It should be all the way around to give you the opportunity to resolve the situation before hurting you financially. The due amount was {$57.00}!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VW Credit
State: CA

Complaint narrative:
Hard inquiries on my credit report by car companies using my social social security number to run my credit and I did not buy a car or received anything from the car dealership they told me that it would not be on my credit report and that's not the case it truly is on my credit report and it's impacting my credit. When they run your credit they run your credit through a series of companies in my information is being shared amongst them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 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: AL

Complaint narrative:
This account ( XXXX XXXX XXXX ) account number ( XXXX ) reported as paid in full and charged off, which is inaccurate, this account was paid before any charge off action. I have formally requested from the creditor a copy of IRS Form 1099-C ( Cancellation of Debt ) for this account. Despite repeated written and verbal requests, the creditor has failed to provide the required documentation or confirm whether the debt has been canceled and reported to the IRS. 
This lack of response raises compliance concerns under IRS regulations as well as consumer protection obligations to provide transparency regarding a potentially forgiven 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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: MN

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation