vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: BMO BANK NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I contacted XXXX to remove an account that's older than XXXX years still posted to 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 2025-04-23 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: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: Army and Air Force Exchange Service
State: SC

Complaint narrative:
I have sent several emails. One on XXXX-25 and one on XXXX25 and both emails told me to contact the other company.

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 2025-04-23 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
Whom It May Concern, I am writing in response to your communication regarding a debt you claim I owe XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Florida Consumer Collection Practices Act ( Fla. Stat. 559.72 ), I formally request validation of this alleged debt. Required Validation Information Per federal and state law, you must provide the following before continuing collection efforts : Proof that I am legally obligated to pay this debt. The name and address of the original creditor. A complete breakdown of the claimed amount, including Principal balance Interest charges Fees ( itemized ) Any payments or credits applied Documentation proving the debt was not past the statute of limitations. Legal Compliance Notice Cease Collection Activity : Under 1692g ( b ) of the FDCPA, you must stop all collection efforts until you provide proper validation. Credit Reporting : If this debt has been reported to any credit bureau, you must mark it as " disputed '' per 1681s-2 of the FCRA. Florida FDCA Protections : Florida law prohibits abusive collection tactics, including false representations ( 559.72 ). Failure to validate may constitute a violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I was given financial advise to pay the least amount on my credit card which since has set me up for disastrous financial conditions. I was not reimbursed for numerous items ( XXXX, XXXX, etc. ) I have been charged double the amount I should be charged on my car insurance, all of these things have been ongoing and resulted in plummeting credit. I have been out of work because of the stress these financial issues have caused leading me to be hospitalized back in XX/XX/2024. I explained my situation to my credit agencies and they asked me why I am not working and why don't I get a job with door dash or use my tax money to pay of my credit cards.

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 2025-04-23 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: VA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2025-04-23 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: GA

Complaint narrative:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> 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/year>

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 2025-04-23 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: IL

Complaint narrative:
I am asking for your assistance in looking into accounts from companies that have incorrectly reported late payments. After reviewing my credit report, I found some accounts showing late payments that are not accurate. These accounts should not have any such remarks. Please remove these errors and update the accounts to show a positive status as agreed.

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 2025-04-23 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: TX

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. 

DPT EDXXXX - XXXX DPT EDXXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX  - XXXX 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 2025-04-23 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: MI

Complaint narrative:
My information was released in a huge data breach by a certain credit bureau and I have noticed many fraudulent accounts added to my report. Ive made a police report and have contacted bureaus regarding the removal of this 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 2025-04-23 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: MI

Complaint narrative:
My information was released in a huge data breach by a certain credit bureau and I have noticed many fraudulent accounts added to my report. Ive made a police report and have contacted bureaus regarding the removal of this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: AL

Complaint narrative:
I am writing to formally request your assistance in resolving inaccuracies reported by all three major credit reporting agencies ( Equifax, Experian, and TransUnion ) on my credit reports. Despite my efforts to address these issues directly with the agencies, the discrepancies remain unresolved. 
The inaccuracies include : 1. Discrepancies on late payments : There are several instances where late payments are incorrectly reported for example see below on payment history they are reporting that Im 90 days late in XX/XX/XXXX which I wasnt and I was on time the prior month of XXXX. These errors are affecting my credit score and financial standing. 
For example, on all 3 credit report : Account Name : XXXX XXXX Account Number : XXXX Status : 21 Potentially Negative Months Balance : {$5200.00} Balance Updated : XX/XX/XXXX2021 I have reached out to Equifax, Experian, and TransUnion to notify them of these inaccuracies and requested corrections. However, my attempts have not resulted in any meaningful resolution. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information in my credit report. Specifically : Section 611 ( 15 U.S.C. 1681i ) : This section requires consumer reporting agencies to investigate disputes and correct or delete any information found to be inaccurate, incomplete, or unverifiable within 30 days 1.

Section 623 ( 15 U.S.C. 1681s-2 ) : This section mandates that furnishers of information to consumer reporting agencies must not report information that they know or have reasonable cause to believe is inaccurate. They are also required to correct and update information 2.

Section 605 ( 15 U.S.C. 1681c ) : This section outlines the types of information that can not be included in consumer reports, such as outdated information 3.

Section 1666b ( 15 U.S.C. 1666b ) : This section specifies that a creditor may not treat a payment as late unless the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date.

I kindly request the Consumer Financial Protection Bureau to investigate these matters and assist in ensuring that my credit reports accurately reflect my credit history and have these items permanently deleted. The continued presence of these inaccuracies is causing significant distress and financial hardship.

Thank you for your attention to this matter. I look forward to your prompt assistance. 
Sincerely, 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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally request your assistance in resolving inaccuracies reported by all three major credit reporting agencies ( Equifax, Experian, and TransUnion ) on my credit reports. Despite my efforts to address these issues directly with the agencies, the discrepancies remain unresolved. 
The inaccuracies include : 1. Discrepancies on late payments : There are several instances where late payments are incorrectly reported for example see below on payment history they are reporting that Im 90 days late in XX/XX/XXXX which I wasnt and I was on time the prior month of XXXX. These errors are affecting my credit score and financial standing. 
For example, on all 3 credit report : Account Name : XXXX XXXX Account Number : XXXX Status : 21 Potentially Negative Months Balance : {$5200.00} Balance Updated : XX/XX/XXXX2021 I have reached out to Equifax, Experian, and TransUnion to notify them of these inaccuracies and requested corrections. However, my attempts have not resulted in any meaningful resolution. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute incomplete or inaccurate information in my credit report. Specifically : Section 611 ( 15 U.S.C. 1681i ) : This section requires consumer reporting agencies to investigate disputes and correct or delete any information found to be inaccurate, incomplete, or unverifiable within 30 days 1.

Section 623 ( 15 U.S.C. 1681s-2 ) : This section mandates that furnishers of information to consumer reporting agencies must not report information that they know or have reasonable cause to believe is inaccurate. They are also required to correct and update information 2.

Section 605 ( 15 U.S.C. 1681c ) : This section outlines the types of information that can not be included in consumer reports, such as outdated information 3.

Section 1666b ( 15 U.S.C. 1666b ) : This section specifies that a creditor may not treat a payment as late unless the periodic statement was mailed or delivered to the consumer at least 21 days before the payment due date.

I kindly request the Consumer Financial Protection Bureau to investigate these matters and assist in ensuring that my credit reports accurately reflect my credit history and have these items permanently deleted. The continued presence of these inaccuracies is causing significant distress and financial hardship.

Thank you for your attention to this matter. I look forward to your prompt assistance. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Cedars Business Services, LLC
State: NJ

Complaint narrative:
Cedar Business Services first started contacting me about a supposed debt owed by XXXX in the amount of XXXX sometime late XXXX. I have received numerous phone calls a day at all hours of the day. I have not been a XXXX customer for 7 years, all debts settled at that time. I informed XXXX  of this and my shock that they would be harassing me all of a sudden in XXXX for a supposed 7 year old debt in the amount of XXXX dollars. It was placed as a collection on my credit report, which I disputed. This past week, Cedar Business Services placed a new collection account for XXXX XXXX in the same exact amount of XXXX dollars on my credit. My accounts with XXXX XXXX were completely closed as of XX/XX/XXXX and in fact due to a flood, their insurance company paid me a lump sum settlement for damages. I received no notification of this debt from XXXX  prior to it being placed on my credit. Not only is this unethical, but it severely impacts my life as I am constantly monitoring my credit for investing purposes. XXXX  is harassing me and frivolously placing debts that are not owed on my credit without proofs or warning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: NY

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-04-23 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: IL

Complaint narrative:
FAke information about XXXX! I can proof here and in court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: IL

Complaint narrative:
FAke information about XXXX! I can proof here and in court

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 2025-04-23 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 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 explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The credit report company Experian shows several incorrect and irrelevant addresses and phone number. I attempted to have them removed and I was told that previous addresses and phone number are relevant to my 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 2025-04-23 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief