vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
I purchased a dress from XXXX XXXX XXXX XXXX  account, and I decided to return it, and I have the receipt. They still haven't refunded my account, and I have called several times and still haven't received any refund for the dress. I call, they and tell I need to call the store, the store tells me to call XXXX XXXX. It's a mess, just stop being dishonest, and refund the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Account XXXX XXXX & XXXX Im unaware of this debt and did not the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX & XXXX as soon as possible from my credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/XXXX  I paid off ( {$4500.00} ) my XXXX vehicle which had been financed by Ally.com/XXXX. After the payoff, an Additional payment was deducted from my checking account and I've been trying to get a refund for {$480.00} ever since. Every time I've called, the rep that I interact with admits that I am due this refund. The original account number is XXXX. My most recent call was on XX/XX/year>XXXX  and the story was the same. " We're going to escalate this, and issue another check. '' So far, None of the previous 3 checks have ever made it to me. The refund that never arrived as expected caused other debits to overdraw my account. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: CT

Complaint narrative:
I am demanding immediate correction of gross inaccuracies, unverified data, and blatant violatio

ns of Metro 2 standards and federal law present in my credit report. Your failure to maintain truthful, accurate, and verifiable reporting is unlawful. You are required under 15 U.S.C. 1681e ( b ) to follow reasonable procedures to ensure maximum possible accuracy. You are further bound under 12 CFR Part 1022 ( Regulation V ) and Metro 2 data f
ield reporting standards, which demand full integrity, accuracy, and proper documentation of every item you report. The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  explicitly states that any deviation from Metro 2 standards jeopardizes data integrity. 

Your report contains material deviations, undocumented data, unverifiable claims, and misreporting of personal identifying information. You are reporting derogatory and delinquent data without complete and certified verification of my consent, legal authorization, or original documentation. 

LIST OF ERRORS BEING DISPUTED : PERSONAL INFORMATION BEING DISPUTED : Incorrect Previous Address : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Incorrect DOB : XXXX ACCOUNTS BEING DISPUTED : DPEDXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( XXXX separate entries ) COLLECTIONS BEING DISPUTED : XXXX - XXXXXXXX XXXX XXXX XXXX XXXX I hereby demand : Physical documentation bearing my wet or electronic signature authorizing the reporting of each account. 

Complete investigation of each disputed item as required under 15 U.S.C. 1681i. You are prohibited from using automated or template form letters to process these disputes. 

Immediate deletion of all unverifiable, incomplete, or inaccurate information under 15 U.S.C. 1681b ( lack of permissible purpose ) and 1681e ( b ).

Full compliance with Metro 2 reporting standards as required for data furnishers, including proper account coding, date of first delinquency reporting, and accurate consumer identification.

You are knowingly violating my consumer rights and demonstrating willful non-compliance with federal standards. Continued reporting of inaccurate information is reckless disregard of your obligations under federal law. 

You have 30 days from the receipt of this letter to comply. Failure to comply will result in my immediate escalation of this matter to the CFPB, FTC, Attorney General, and private legal counsel for full pursuit of statutory damages, punitive damages, and injunctive relief. 

Provide physical copies of all evidence used to verify these accounts along with my updated credit file after corrections are made. 

Consider this your final warning.

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 2025-06-24 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 requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline I am requesting the description of reinvestigation procedure according to 15 USC 1692g states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
I checked my credit report and noticed several Items I did not authorize nor did i give any person 's permission to open on my behave. I am victim of id theft and willing to prosecute. The accounts and inquiries are listed as followed the inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Please supply information on how you have verified this item.XXXX. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft, and I have included a police report. Please investigate and remove from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I checked my credit report and noticed several Items I did not authorize nor did i give any person 's permission to open on my behave. I am victim of id theft and willing to prosecute. The accounts and inquiries are listed as followed the inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX XXXX The status is incorrect for the following account XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Please supply information on how you have verified this item.XXXX. Identity Theft XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This is not mine. I am a victim of ID Theft, and I have included a police report. Please investigate and remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
I am filing this complaint because my credit reports from TransUnion, Experian, and Equifax contain multiple fraudulent accounts, inaccurate reporting, and unauthorized credit inquiries. 
In addition, I have been receiving constant and harassing calls from debt collectors attempting to collect on accounts that I did not open and do not owe. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have already disputed these issues directly with the credit bureaus and data furnishers, but they have failed to investigate properly or provide any meaningful resolution. This ongoing inaction has resulted in further harm, distress, and financial blockage. 

The errors in my report are clear violations of the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require that any information furnished to credit bureaus must be accurate, complete, and verifiable. What I am experiencing is unacceptable and must be resolved immediately. 

Fraudulent accounts ( not mine / never authorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported as derogatory on Equifax, but I never had service with this company Inaccurate or inconsistent accounts : XXXX XXXX XXXXXXXX : Incorrect balance, status, and closure info XXXX XXXX Conflicting credit limits and statuses XXXX  XXXX XXXX : Discrepancies in dates, status, and amounts XXXX & XXXX XXXX Inconsistent reporting between bureaus XXXX XXXX XXXX : Charged off incorrectly, with multiple errors Closed accounts with incorrect data : XXXX XXXX XXXX Inconsistent information across bureaus Unauthorized hard inquiries : I have over XXXX hard inquiries on my Experian and TransUnion reports that I never authorized. These entries violate 15 U.S.C. 1681b ( c ) of the FCRA. 

Examples : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and others These errors and fraudulent entries have severely impacted my credit, caused emotional and financial harm, and are blocking my ability to move forward with my life. I need this resolved now. Enough is enough. 

I am attaching the following documentation to support my claims : My FTC Identity Theft Report Full credit report from XXXX Copy of my government-issued ID and proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NJ

Complaint narrative:
I am filing this complaint because my credit reports from TransUnion, Experian, and Equifax contain multiple fraudulent accounts, inaccurate reporting, and unauthorized credit inquiries. 
In addition, I have been receiving constant and harassing calls from debt collectors attempting to collect on accounts that I did not open and do not owe. This is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ). I have already disputed these issues directly with the credit bureaus and data furnishers, but they have failed to investigate properly or provide any meaningful resolution. This ongoing inaction has resulted in further harm, distress, and financial blockage. 

The errors in my report are clear violations of the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require that any information furnished to credit bureaus must be accurate, complete, and verifiable. What I am experiencing is unacceptable and must be resolved immediately. 

Fraudulent accounts ( not mine / never authorized ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported as derogatory on Equifax, but I never had service with this company Inaccurate or inconsistent accounts : XXXX XXXX XXXXXXXX : Incorrect balance, status, and closure info XXXX XXXX Conflicting credit limits and statuses XXXX  XXXX XXXX : Discrepancies in dates, status, and amounts XXXX & XXXX XXXX Inconsistent reporting between bureaus XXXX XXXX XXXX : Charged off incorrectly, with multiple errors Closed accounts with incorrect data : XXXX XXXX XXXX Inconsistent information across bureaus Unauthorized hard inquiries : I have over XXXX hard inquiries on my Experian and TransUnion reports that I never authorized. These entries violate 15 U.S.C. 1681b ( c ) of the FCRA. 

Examples : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, and others These errors and fraudulent entries have severely impacted my credit, caused emotional and financial harm, and are blocking my ability to move forward with my life. I need this resolved now. Enough is enough. 

I am attaching the following documentation to support my claims : My FTC Identity Theft Report Full credit report from XXXX Copy of my government-issued ID and proof of address

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am demanding the IMMEDIATE deletion of the inaccurate, unverifiable, and willfully non-compliant accounts listed below. Your reckless reporting violates multiple sections of Federal Law, including but not limited to : 15 U.S.C 1681e ( b ) Failure to maintain maximum possible accuracy.
15 U.S.C 1681i ( a ) Failure to properly reinvestigate disputed information.

15 U.S.C 1681s-2 ( b ) Furnishers duty to correct or DELETE inaccurate information. 

Metro 2 Reporting Standards ( XXXX XXXX  ) Failure to comply with mandatory data field accuracy and reporting consistency. 

Your continued reporting of these false, incomplete, and legally deficient accounts constitutes willful non-compliance under 15 U.S.C 1681n, exposing you to statutory, actual, and punitive damages.

The following accounts are now under formal dispute : Accounts Challenged : XXXX XXXX XXXX  Collections Challenged : XXXXXXXX XXXX XXXX XXXX You are hereby notified that I demand FULL DOCUMENTATION bearing my original wet-ink signature that authorizes the reporting and legal existence of these accounts. Failure to provide such verifiable proof within the timeframe permitted by law will be considered your admission of the inability to validate these accounts. 

If you can not produce complete, legally permissible documentation, you are REQUIRED to DELETE these accounts from my credit profile immediately.

This is your legal notice. I am fully prepared to escalate this matter by filing formal complaints with the CFPB, FTC, Attorney General, and pursue civil claims under my private right of action if you fail to comply. 

I expect your full compliance within the timeframes required by law.

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 2025-06-24 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: TX

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 XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXXXXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at 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 # ( private case number ) 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Management Holdings, LLC
State: SC

Complaint narrative:
I had an unnecessary ambulance ride that I tried to decline many times during a non-emergency medical situation in XXXX. My insurance did not pay this because it was not necessary. As of today ( XX/XX/XXXX ) a collection for the ambulance bill has appeared on my credit. The company " CREDIT MANAGEMENT COMPANY '' called me at XXXX and I told them that I was willing to pay on the debt as long as it was not reported to the credit bureaus due to the CFPB rule that medical debt ( including ambulance bills ) can not be reported to the credit bureaus. I know this rule has not been instated due to legal issues, however, the man on the phone began yelling at me and accusing me of not caring about the debt and that I am deciding to let it default. My medical debt is by no means a good determining factor of my credit worthiness and I do not feel comfortable paying down on this collection after the interaction with the manager.

Company response to consumer: Closed with explanation