vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - To : Experian XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - Subject : FCRA Dispute & Goodwill Removal Request for XXXX XXXX Account Acct XXXX XXXX XXXX -- - Dear Experian Dispute Department, I am writing to formally dispute and request the removal of late payment entries on my credit report related to the account listed as XXXX XXXX XXXX XXXX , with account number ending in XXXX. 

This account was opened on XX/XX/XXXX, and is now marked Paid and Closed as of XX/XX/XXXX, with the final payment made on XX/XX/XXXX. However, the account reflects XXXX late payments ( XXXX, XXXX, and XXXX  days ) in early XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) Section 611, I am requesting a formal investigation and full documentation verifying the accuracy of these late payment reports. If Experian can not provide verification from the original furnisher, I respectfully ask that the late payment entries be removed. 

Furthermore, I am also submitting this as a Goodwill Removal Request, since : The account is paid in full and has been closed. 

I have taken significant steps to rebuild my credit. 

These isolated late payments are not reflective of my current credit behavior. 


These delinquencies are negatively impacting my credit report and score, and I am asking for your help in updating the record to reflect more positively on my payment history. 

Attached for verification : A copy of my driver 's license Proof of current address ( utility bill or bank statement ) A copy of my Experian credit report highlighting this account Please conduct an investigation within 30 days, as required under the FCRA, and provide a written response with the outcome. 

Thank you for your time and consideration in helping me maintain a fair and accurate credit profile. 

Sincerely, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: WA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-07-25 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: EQUIFAX, INC.
State: NC

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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I am disputing the accuracy of XXXX credit card accounts issued by Chase, both of which are reporting inaccurate and conflicting information across the XXXX major credit bureaus. I have submitted multiple disputes through XXXX XXXX XXXX XXXX and I also contacted Chase directly. On XX/XX/XXXX, Chase sent a response stating that they do not change reporting unless it is incorrect. However, they have failed to provide any supporting documentation, explanation, or meaningful reinvestigation. 

Account # XXXX XXXX XXXX XXXX  is reporting : XXXX late payments XX/XX/XXXX as derogatory, which is inaccurate, This account was settled on XX/XX/XXXX. 
An account closure date of XX/XX/XXXX, which is incorrect, it was actually closed on XX/XX/XXXX XXXX  is reporting : XXXX late payments A status of in collections, which is incorrect, this account has been settled. 
An account closure date of XX/XX/XXXX, which is incorrect, it was actually closed on XX/XX/XXXX XXXX  is reporting : XXXX late payments XX/XX/XXXX as derogatory, which is false. I settled this account on XX/XX/XXXX. 

Chase has failed to verify these late payments, explain the conflicting data across bureaus, or correct clearly inaccurate information. 

Account # XXXX XXXX XXXX XXXX XXXX XXXX  is reporting : XXXX late payments No closed account date Incorrect last payment date of XX/XX/XXXX ( should be XX/XX/XXXX, the date of settlement ) XXXX  is reporting : XXXX late payments Incorrect status of in collections, despite the account being settled. 

XXXX  is reporting : XXXX missed payments, with 2 months unavailable XX/XX/XXXX listed as derogatory, even though the account was settled that month Incorrect charge-off date of XX/XX/XXXX. 

The reporting on this account is inaccurate and varies significantly across the XXXX bureaus. Despite being settled, the derogatory marks, incorrect status, and false payment timelines have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
XXXX XXXX, XXXX, XX/XX/XXXX 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 XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX - XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ) 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 2025-07-25 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: FL

Complaint narrative:
When I reviewed my credit report today, as I routinely do, I was surprised to find unexpected discrepancies. I attempted to refresh the browser in case it was just a temporary issue, but the inaccurate accounts remained. Given this concern, I respectfully ask that the documents I submitted be reviewed carefully so I wont have to stress over this anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
b'I am disputing unauthorized charges on my XXXX  credit card issued by Comenity Bank. On XXXX  I filed a fraud dispute, after I contacted them to report the fraudulent activity, I received a letter dated XXXX from Comenity Bank that they considering the dispute closed that time and if I still wanted to dispute the transaction, I need to provide necessary information for them to investigate. On XXXX  I sent all necessary information via XXXX  certified mail. After they received all the information I provided them, they initially sent me a letter stating that their preliminary investigation suggested the charges involve fraudulent activity and that the matter was being escalated to their Account Protection Department. In good faith, I submitted all required documents, including a signed fraud affidavit, a statement confirming I did not not make or authorize the charges, bank statement, vision plan statement and XXXX XXXX transaction history. Despite complying with all their requests, I received a letter dated XXXX from Comenity Bank informing me that they have concluded their investigation and found "no basis" to support my claim - with no explanation or evidence provided.\nThe two letters I received are contradictory: first suggesting there was a potential fraud, and then later denying my claim without clarification. I have been transparent and cooperative throughout the process. The charges in question were not made by me and I am now being held responsible for a balance that I did not incur.\nI am requesting assistance from the CFPB to ensure a fair review of my case. I would like Comenity Bank to provide transparency in their findings and remove the fraudulent charges from my account. \n\nDispute Unauthorized Transaction\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2023, Balance : {$330.00}

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WSFS FINANCIAL CORPORATION
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX Company is located in NJ They do not have a physical store My account was charged XXXX This has my account to be overdrawn causing a domino effect of overdraft charges My bank WSFS said their policy is they dont provide provisional credits. I have a total of XXXX overdraft fees I did get a new debt card but it has not cleared WSFS bank to add to my XXXX account My account has auto pays coming out for car insurance rents etc I filed a complaint with the XXXX  as well. 
I dont think the customer should have to wait XXXX before a provisional credit is given while they are looking into a fraudulent charge

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
This account was paid in full after being sold. It continues to report a 120-day delinquency and charge-off status, which is unfair and not an accurate reflection of current status. I request deletion or correction under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: FL

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. 

XXXX - XXXX XXXX  - XXXX List of Unauthorized Inquiries : 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 seven 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 2025-07-25 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: CT

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX. I'm writing again because my identity was stolen. I did not open the accounts listed below. These are not mine. 

I already filed an official Identity Theft Report with the FTC. Ive sent it to you before. Im attaching it again so there is no confusion. 

I have tried many times to fix this. But I keep getting the same replies that dont help. This is serious. These false accounts are hurting my credit and my peace of mind. 

Please delete these accounts from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not open these. I did not agree to them. I never gave permission. 

Under the Fair Credit Reporting Act, you must investigate and remove accounts you can not prove I opened. You are also required to stop reporting them if theyre not verified with proof like a signed contract, application, or any document showing I agreed to them. I know these dont exist because I never opened them. 

This is not a joke. I will file a complaint with the Consumer Financial Protection Bureau if this is not fixed within 30 days. 

I need written proof that these accounts have been deleted. I want them gone for good. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: PA

Complaint narrative:
In XXXX I opened a secured account with a XXXX $ deposit and credit line. After 6 months of paying on time the deposit was supposed to be returned to me. It was not. I closed my account in XXXX and requested that the deposit be refunded or applied to the balance and I was told it would be but it was not. The account is on my credit report as in collections with a balance way higher than the limit due to the interest and late fees. I disputed the account and my dispute was denied. The deposit should be either applied to the balance and the interest and late fees be reversed or refunded to me. If the deposit is not going to be applied and the penalties reversed and the account corrected on my credit report it should be refunded to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

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. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
EQUIFAX KEEPS REPORTING A FAKE REPO EVEN AFTER XXXX XXXX  SOLD THE ACCOUNT TO A COLLECTION AGENCY. I HAVE PROVIDED EQUIFAX SINCE XX/XX/year> PROOF OF FTC IDENTITY REPORT, PROOF OF BEING A VICTIM OF IDENTITY THEFT, AND PROOF THAT THE OTHER CREDIT REPORTING AGENCIES HAVE ALREADY REMOVED SAID ACCOUNT. EQUIFAX IS STILL REPORTING AND IS IN VIOLATION OF MY RIGHTS ACCORDING TO THE FCRA. Per 15 USC 1681i ( a ) ( 5 ) ( A ), you are in violation of my rights to privacy by reporting non-public personal information without my permission

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: WA

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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