vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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 writing to dispute a charged off account off my credit report. Santander account is listed without an account number which make it impossible for me to verify it validity to confirm it belongs to me. 

To assist with the matter, I asked that you also review the payment history associated with this account. With out a valid number or accurate payment history i am unable to have confidence in this accuracy of this alleged account. 

please conduct a thorough investigation and remove this account immediately. 

please be advised that if i receive any stall tactics to buy yourself time i will be forced to escalate this with my state attorney general office i trust you understand the seriousness of this matter as it is directly impacting my ability to qualify for credit which cause financial damage to my financial well being. 

under law code section 605 i have the right to dispute anything unknowlwable

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 2025-07-07 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: NCB Management Services Inc.
State: FL

Complaint narrative:
Back in XXXX I had sensitive personal information such as my driver 's license and social security card stolen which resulted in the perpetrator opening up accounts on my credit report. I have been dealing with fraudulent accounts ever since. This particular account that was opened up is called NCB Management Services that I did not authorize or benefit from. I am taking the necessary steps to protect myself as well as protect my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My information has been used inappropriately without my consent. The credit bureau doesnt have the right to even make the credit report without my consent. I have been contacted demanding I pay an amount i have no idea of and dates I have no idea of. 

Equifax {$2800.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: TN

Complaint narrative:
I am filing this complaint because I have disputed XXXX accounts multiple times XXXX XXXX XXXX XXXX XXXX which continue to be reported on my credit reports by Experian, Equifax, and TransUnion. These accounts are inaccurate, inconsistent, and unverifiable, yet the credit bureaus keep verifying them as accurate without providing me with any legitimate documentation or evidence. 

I have repeatedly requested written verification showing my original contract with my wet signature, as required under the Fair Credit Reporting Act ( FCRA ), but I have never received this. Instead, the credit reporting agencies just keep marking the accounts as verified with no proof. 

Additionally, the reporting for these accounts is inconsistent across the XXXX bureaus with differences in status dates, balance amounts, past due amounts, and charge-off details which violates FCRA 607 ( b ) requiring maximum possible accuracy, and Metro 2 compliance that requires consistent and complete reporting.

I also disputed these accounts under an Equifax data breach identity theft claim, but the bureaus have failed to properly block or remove these unverifiable accounts as required by FCRA 605B.

Their repeated failures to conduct a reasonable reinvestigation ( FCRA 611 ), provide proper verification ( FCRA 609 ), and correct inconsistent information have caused me financial harm, denials for credit opportunities, and emotional distress. This is a clear pattern of willful noncompliance for which I am entitled to damages under FCRA 616 and 617.

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 2025-07-07 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: MD

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent letter to Experian disputing information they are reporting on my credit report and they refused to process my dispute, although I attached a notarized affidavit of truth. 
I ALSO SENT A LETTER TO THE COURTS ASKING IF THE REPORTED THIS INFORMATION TO THE CREDIT REPORTING AGENCIES. I HAVE ATTACHED BOTH LETTERS. 

According to the Fair Credit Reporting Act ( FCRA ), Under 15 U.S. Code 1681s2 ( a ), furnishers of information ( e.g., lenders, creditors, collection agencies ) must not report information they know or have reasonable cause to believe is inaccurate. 
If they later discover that information reported is incomplete or inaccurate, they must correct it. 
XXXX. Duty to Correct and Update Information Furnishers must update and correct any information they find to be incomplete or inaccurate.

If an account is closed or paid in full, this status must be reported accurately if the furnisher reports on the account again.

3. Disputes by Consumers ( 15 U.S.C. 1681i ) If a consumer disputes an item on their credit report with a credit reporting agency ( CRA ), the CRA must : Investigate the dispute ( usually within 30 days ). 
Notify the furnisher of the dispute. 
Correct or delete inaccurate, incomplete, or unverifiable information.

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 2025-07-07 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: NY

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 XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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 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 2025-07-07 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: OH

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

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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 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 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

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 2025-07-07 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: SC

Complaint narrative:
Hello, I have been directly affected by the Equifax data breach. My information was compromised and as a result ; unauthorized accounts are on my credit profile. Please immediately remove and block these items according to consumer 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 explanation
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
Hello, I have been directly affected by the Equifax data breach. My information was compromised and as a result ; unauthorized accounts are on my credit profile. Please immediately remove and block these items according to consumer law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 XXXX XXXX, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 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 explanation
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am writing again because i have XXXX inquiries on my credit report that i did not Authorize or Make. This is not fair, and I would never try for any credit because i know i can't. I also have it set up for any company to call me first before putting an inquiries on my report. please remove them ASAP. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I NEVER AUTHORIZED ANY OF THESE PLEASE REMOVE THEM.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/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 2025-07-07 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: GA

Complaint narrative:
On XX/XX/XXXX, I mailed a formal dispute to TransUnion regarding an inaccurately reported XXXX XXXX XXXX ( filed XX/XX/XXXX, Docket # XXXX ). TransUnion responded claiming they verified the bankruptcy with the XXXXXXXX XXXX XXXXXXXX. However, the court does not report or verify consumer data to credit reporting agencies, meaning this bankruptcy can not be legally verified under the Fair Credit Reporting Act. I then mailed a Method of Verification request, and they failed to provide the legally required proof from the original data furnisher.

I request the permanent deletion of the inaccurate bankruptcy and written confirmation of the removal.

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 2025-07-07 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: CA

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 Services, 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 XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} INQUIRIES : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : 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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
I applied for an American Express Credit Card sometime in XX/XX/XXXX and I was approved and got my credit card after a week or so. I then called a customer service to confirm if I will receive a XXXX dollar statement credit after spending {$2000.00} within the first six months of card membership and the customer service promised and confirmed that I will receive the XXXX dollar statement credit after spending XXXX dollars within 6 months so up to this date I already spent {$2000.00} dollars and it's within the six months range but then when I called the customer service last XX/XX/XXXX to follow up with my XXXX dollar bonus the customer service said I have to spend {$2000.00} dollars which makes me confused and I am expecting that I will already receive that XXXX dollar statement credit within my account. Please help me with this matter. Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
In XX/XX/XXXX, I financed XXXX XXXX through XXXX XXXX under a 0 % interest if paid in full within 24 months promotional plan. I enrolled in automatic payments and made consistent, on-time payments for XXXX full years, expecting the balance would be paid in full by the end of the promotional term, per my understanding of the agreement. 

In XX/XX/XXXX, I received a statement showing that the promotional period had ended and I was suddenly charged {$2300.00} in retroactive interest, causing my balance to jump from {$1700.00} to over {$4000.00} overnight. At no point during the two-year promo did I receive proactive or clear notification that my auto-payments were not enough to satisfy the full payoff. The fine print warning on one statement was not sufficient for something that would nearly double my debt. 

As soon as I noticed the retroactive interest charge, I called XXXX immediately to resolve the issue. I explained that I had been paying on time via autopay and was unaware I had not met the full payoff amount. I offered to pay off the original balance ( approx. {$1700.00} ) in full at that time. 

Despite my good-faith attempt to resolve the issue right after the interest was charged, they refused to work with me. They declined any reasonable settlement and were unwilling to reduce the balance, even though I have now paid over {$3000.00} toward this loan. They continue to offer no meaningful solution, only high-pressure tactics and demands for full payment of nearly {$4000.00}. 

This feels extremely predatory. I acted in good faith, paid consistently, and relied on their automatic payment system assuming it would be sufficient. The promotional plan structure, combined with a lack of transparent communication and refusal to negotiate after-the-fact, has left me owing nearly double what I originally owed, despite already paying more than the cost of the procedure. 

Thank you for investigating this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TN

Complaint narrative:
I am filing this formal complaint because my federal student loans were issued in connection with a school that has been closed, and I believe I am fully eligible for a Closed School Discharge or Borrower Defense to Repayment Discharge. Despite submitting all relevant documentation and verifying that the school in question, XXXX XXXX XXXX, is no longer operating, the loan servicer continues to : Report these loans Demand payment on ineligible debt Fail to offer the required processed discharge applications Mislead or ignore a request regarding discharge eligibility This is in direct violation of federal student aid laws, the Higher Education Act, and consumer protection rights. My loan should have been discharged under the closed school discharge guideline. ' the borrower defense to repayment guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I received the response back from LVNV Funding. I have requested tfor the collection agency to provide me with a copy of the transfer of assignment, change of assignment and original contract with my wet signature. LVNV Funding refused to provide those important documents in order validate the debt. Unfortunately, sending a copy of the billing statement DO NOT validate the debt or state LVNV Funding own the debt I am demanding for this account o be deleted from my credit reports and cease and desist all communication.based NO FACTAU EVIDENCE of the debt being validated.

Company response to consumer: Closed with explanation