vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
Between XX/XX/XXXX and XX/XX/2025, I received 9 unsolicited and unauthorized phone calls from Wilber Group after I had already revoked consent. I verbally revoked consent on XX/XX/2025, during a phone call with a representative from the company. 

Despite that revocation, the company continued calling me during working hours ( typically between XXXX XXXX  and XXXXXXXX XXXX XXXX, which caused repeated disruption to my job and personal stress. I documented the calls and provided the company with a clear written demand, along with a screenshot of my call log. 

This behavior constitutes willful and knowing violations of the Telephone Consumer Protection Act ( TCPA ), which prohibits calling a consumer after consent has been revoked. I requested a resolution and submitted a settlement offer, but have not received confirmation of receipt. 

I am filing this complaint to formally document these violations and to request regulatory review and intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AR

Complaint narrative:
Consumer Name : XXXX XXXX XXXX of XXXX Social Security Number : XXXX I am submitting this complaint under FCRA 605B ( 15 U.S.C. 1681c-2 ) because my personal information was compromised in the XXXX  data breach. As a result, fraudulent accounts and hard inquiries are now appearing on my credit report. 
These include, but are not limited to : A personal credit card opened on XXXX  An auto loan opened on XX/XX/year> A personal loan account opened on XXXX or more collection accounts and multiple hard inquiries I did not authorize I did not open or authorize any of these accounts or inquiries. I have attached my FTC Identity Theft Report as proof. 
I am requesting that all fraudulent accounts, collections, and inquiries related to the XXXX data breach be permanently removed from my credit file within 4 business days in accordance with FCRA 605B.

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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
I am submitting a complaint regarding a closed charge card account listed as COMENITYCB/XXXX  on my credit report. The account was opened on XX/XX/XXXX with a credit limit of {$400.00}, and it is currently reporting as XXXX, XXXX, with {$680.00} written off. The status was last updated in XX/XX/XXXX. 

The account also shows XXXX potentially negative months, including multiple late payments, a charge-off, and a highest balance of {$680.00} far exceeding the original {$400.00} credit limit. 

I have several concerns : I dispute the accuracy of the reported balance and charge-off. I do not recall authorizing charges that would have exceeded the credit limit by nearly {$300.00}. I would like XXXX to provide documentation verifying how the balance reached {$680.00} and how those charges were incurred. 

I paid the balance, and the account is now closed. I was not informed that the account would still be reported with a charge-off after payment. To my knowledge, I did not sign any agreement acknowledging that a charge-off would remain on my credit report after full payment. 

The comment " Purchased by another lender '' is also unclear. If the account was sold or transferred, I request documentation proving this sale and identifying the new party responsible for the debt. 

I am requesting the following : That COMENITYCB/XXXX provide validation of the full debt, including a complete payment history, explanation of charges, and any signed agreement authorizing the reported balance and terms. 

That if the debt can not be verified or was inaccurately reported, the negative information be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

That the CFPB assist in reviewing whether this item is being fairly and accurately reported, considering the account is marked as Paid but still reflects a damaging charge-off and delinquency history. 

This account has had a negative impact on my credit score, and I am requesting a thorough investigation and appropriate correction or deletion of the inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: eMoneyUSA Holdings, LLC
State: TX

Complaint narrative:
I'm unaware of this debt and did not have the opportunity to dispute this account XXXX. If you believe you sent the proper notification, please provide " Certified Mail '' with receipt displaying my signiture. If not, please delete the account as soon as possibile from my Credit report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
m writing to formally dispute an item on my credit report related to an Amazon Synchrony Bank account. I believe the reported balance and payment history are inaccurate due to circumstances beyond my control. 
I never received the physical credit card or billing statements and was unaware the account was open. I unintentionally made a small charge for XXXX, and once I discovered the account in XXXX, I promptly paid {$140.00}, believing it to be the full balance. 1 later found out this was only the minimum payment and that the total had grown to {$220.00} due to additional fees and interest that I was never properly notified about. 
This situation resulted from a lack of access to the account, no billing communication, and no enrollment in paperless billing, I took immediate responsibility when I became aware, and I am requesting that this account be reviewed and the late payment or negative impact be removed from my credit report. 
I have acted in good faith and respectfully ask that this entry be corrected to reflect the unique nature of the circumstances.

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 monetary relief
Consumer complaint received 2025-07-03 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: ID

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 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 Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Moss Law Firm, P.C.
State: TX

Complaint narrative:
I am submitting this complaint against Moss Law Firm , P.C . for ongoing violations of federal and Texas debt collection laws. 

I received a letter dated XX/XX/year>, regarding an alleged debt. I lawfully responded with a Debt Validation and Cease and Desist Notice, which was received by their office on or around XX/XX/year> ( confirmed by attached XXXX XXXX return receipt ). 

Despite being required under 15 U.S.C. 1692g ( b ) to cease collection activity and provide full legal validation within XXXX days, they responded on XX/XX/year> ( received XX/XX/XXXX ), well beyond the deadline. The response was non-compliant it included only partial billing statements and a generic cardmember agreement with no identifying details, no signed contract, and no itemized account history. 

They have failed to provide : A contract signed by me ( wet ink signature ), Full account history, Chain of custody or legal authority to collect, Proof of licensing or bonding in Texas as required under XXXX Finance Code 392.101.

They also continued to contact me after receiving my Cease and Desist notice, in violation of 15 U.S.C. 1692c ( c ). Their actions are deceptive and misleading under both federal and state law. 

I have attached : Copies of my dispute letters and Cease and Desist, XXXX green return receipts confirming delivery, Their incomplete responses, A timeline of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SS # : XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern I am writing to formally request the removal of all current fraud alerts and active disputes from my credit fileAs of today, I am no longer disputing any items on my credit report, and I ask that you please close and remove all pending disputes. This includes but is not limited to the account listed below : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXXXXXX Please also ensure that any fraud alerts previously placed on my credit file are removed. I affirm that I am no longer claiming any fraudulent activity or requesting investigation of any accounts or entries at this time. 
I appreciate your assistance in updating my credit report and restoring it to an accurate and dispute-free status. If any additional verification or documentation is needed, please do not hesitate to contact me. 
Sincerely, 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 2025-07-03 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: LEXISNEXIS
State: DC

Complaint narrative:
I, XXXX XXXX VICTIM OF IDENTITY THEFT FROM LATEST LEXIS NEXUS DATA BREACH, MY PARENTS HAVE HAD A TRUST FUND FOR ME SINCE I WAS A BABY ; I NEVER NEED A BANK. I HAVE NEVER NEEDED ANY BANK ACCOUNT. I HAVE NEVER APPLIED FOR ANY CREDIT IN MY LIFE, NOR HAVE I CAUSED ANY INQUIRIES. MY ONLY INFORMATION HAS BEEN MY INFORMATION SINCE THE YEAR XXXX, WHICH IS : I HAVE LIVED : AT XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MY ENTIRE LIFE. I HAVE NEVER LIVED AT ANY OF THOSE NON MAILABLE ADDRESSES PERTAINING TO MY FILE, AND MY PHONE NUMBER HAS ALWAYS BEEN XXXX, I HAVE NEVER APPLIED FOR STUDENT LOANS NOR ANY LOANS, IAM XXXX, AND HAVE NEVER HAD ANY CREDIT ACCOUNTS. AND NEVER HAD ANY EVICTIONS, JUDGEMENTS, OR PUBLIC RECORDS OR APARTMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
I contacted transunion, experian, and equifax and filed disputes multiple times asking for them to verify that I actually opened the following accounts and to remove them. I also asked for proof of the verification method used if it returns back as verified. They have yet to remove the disputed accounts below and have yet to provide me with proof of the method of verification and per 15 usc code 1681i ( a ) ( 6 ) ( b ) ( i ) I have the right to request the method of verification. I also asked them to remove any address and phone numbers that do not belong to me and are not current. 
The only phone number that belongs to me is XXXX and the current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The accounts I have disputed are as follows XXXXXXXX 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 explanation
Consumer complaint received 2025-07-03 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:
I contacted transunion, experian, and equifax and filed disputes multiple times asking for them to verify that I actually opened the following accounts and to remove them. I also asked for proof of the verification method used if it returns back as verified. They have yet to remove the disputed accounts below and have yet to provide me with proof of the method of verification and per 15 usc code 1681i ( a ) ( 6 ) ( b ) ( i ) I have the right to request the method of verification. I also asked them to remove any address and phone numbers that do not belong to me and are not current. 
The only phone number that belongs to me is XXXX and the current address is XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
The accounts I have disputed are as follows XXXXXXXX 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 2025-07-03 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: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
Im contacting you regarding an account currently showing on my credit report that is completely inaccurate and not mine. After reviewing my report carefully, I noticed that this account has absolutely no connection to me, and I need it to be corrected immediately. 

From what I can tell, this is a case of mixed or misreported information, and it is now affecting my credit profile in a way that is both unfair and unacceptable. Whether it was reported in error or linked to my file due to a data entry mistake, the bottom line is this : I have no affiliation with this account, I did not open it, and I have no responsibility for it. 

This kind of reporting not only violates the standards of accuracy outlined under the Fair Credit Reporting Act ( FCRA ), but its also actively harming my ability to maintain a healthy financial standing. Under Section 607 ( b ) of the FCRA, consumer reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy. That standard is clearly not being met here.

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 2025-07-03 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: AR

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 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 Address : XXXX XXXX XXXX XXXX XXXX XXXX AR 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-03 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: CA

Complaint narrative:
I am submitting this complaint regarding multiple fraudulent accounts that were opened in my name as a result of identity theft, and subsequently reinserted onto my credit reports without proper notice, in violation of the Fair Credit Reporting Act ( FCRA ). This matter is documented in my FTC Identity Theft Report ( XXXX  XXXX ), submitted on XX/XX/XXXX. 

The following fraudulent accounts were opened by an identity thief using my personal information : XXXX XXXX XXXX  Account XXXX  : XXXX ( Discovered : XX/XX/XXXX ) Account XXXX  : XXXX ( Discovered : XX/XX/XXXX ) These accounts were previously disputed and deleted from my credit reports. However, they have now reappeared ( reinserted ), and I was not notified of this reinsertion in accordance with federal law. 



Violations of XXXX XXXX : XXXX. FCRA XXXX XXXX XXXX. XXXX Requires credit reporting agencies to block identity theft-related items within XXXX business days after receiving a valid Identity Theft Report and proof of identity. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( B ) XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) Prohibits the reinsertion of previously deleted information unless : The consumer is notified in writing within XXXX business days, and The CRA identifies the name, address, and phone number of the furnisher who certified the information. 
XXXX. FCRA XXXX ( a ) ( XXXX ) ( A ) XXXX U.S.C. XXXX ( a ) Prohibits furnishers from knowingly reporting inaccurate information to credit bureaus. 
XXXX. FCRA XXXX and XXXX XXXX XXXX. XXXX and XXXX Allows consumers to seek damages for willful or negligent noncompliance, including attorney fees and actual damages. 



Requested Resolution : I respectfully request the following : XXXX. XXXX and permanent deletion of both fraudulent XXXX XXXX XXXX accounts from all credit reports ( Equifax, XXXX, and TransUnion ). 
XXXX. Written confirmation that these accounts will not be reinserted without full legal compliance. 
XXXX. XXXX of the furnishers contact details if either account was reinserted. 
XXXX. An updated credit report showing the removal of these accounts and no lingering inquiries or negative impacts. 
XXXX. CFPB review of any CRA or furnishers noncompliance and potential enforcement action. 



These fraudulent accounts have caused measurable harm to my credit and financial standing. I request your assistance in resolving this matter and enforcing my rights under the FCRA. Please find my FTC Identity Theft Report attached, and I am available to provide further documentation if necessary. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation