vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit heath. The following names : XXXXXXXX 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 2025-07-01 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: NY

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit heath. The following names : XXXXXXXX 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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Date of Birth : XXXX Dear XXXX I am writing to formally dispute certain information in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681s-2. I am requesting immediate investigation and removal of inaccurate, unverifiable, or obsolete items as outlined below. 
- Midland Credit Management XXXX XXXXXXXX XXXX XXXX ) - Please delete ; not mine / unverifiable. 
- XXXX XXXX ( XXXX accounts ) - Remove as inaccurate and past statute of limitations. 
- XXXXXXXX XXXX - Charged-off account contains errors ; request deletion. 
- XXXX XXXX ( 2 accounts ) - Dispute for charge-off accuracy and late payments. 
XXXX XXXX XXXX XXXX - Incorrect charge-off reporting. 
- XXXX XXXX XXXX XXXX - Account shows inconsistent dates and status. 
- XXXX - Collection account not validated ; request deletion. 
- XXXX XXXX - Dispute for charge-off and late payment history. 
- All late payments across all tradelines - Dispute on basis of inaccurate payment reporting. 
As required by FCRA 611, please complete your reinvestigation within 30 days and provide me with an updated copy of my credit report.

Enclosed are copies of my identification documents to assist with your investigation. If you find that the disputed items can not be verified, they must be deleted immediately per FCRA 609 ( c ) ( 2 ). 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I made a payment for the full amount on my XXXX statement through my online banking with XXXXXXXX XXXX  The payment was for the full statement amount of {$170.00} and was posted on XX/XX/year>. The statement due date was XX/XX/year>. My XXXX statement shows no payment as well as a late fee of {$30.00} and {$3.00} in interest. 

I called about this issue last week and was told they had a period of time where payments weren't being posted and to call back this week to see if it had been resolved. It has not. I closed the account and spoke with a representative and then asked to speak with a supervisor. She said there were no issues with payments being posted and offered to let me start the dispute process which would take 60 to 90 days to resolve. In the meantime, this is a ding on my credit and they are accruing late fees and interest. I hope you are able to help me get this resolved sooner. 

Also, as an aside... I have never actually received the physical credit card. I made a single purchase in the store. This has been a very frustrating experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-01 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 XXXX CA XXXX ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I have neither authorized this inquiry nor engaged in any discussions with the lender on that date.

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 2025-07-01 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:
XXXX XXXX, XXXX, XX/XX/1976. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

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.

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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Management Holdings, LLC
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/year> I was scammed using my Wells Fargo Credit Card. 
I opened a new credit card with Wells Fargo and almost immediately I was experiencing fraudulent charges on my account. I had to replace the card three times. 
On XX/XX/year> there was a large charge that I did not recognize that was questioned by what I thought was the Bank via a text request for my response to the charge, I responded negatively to the charge. 
With in XXXX minutes I got additional texts from who I was told was the Wells Fargo Fraud Dept and the FBI. ( Text copies enclosed ) They asked me to go to the bank branch as they told me there was a fraud taking place within the branch by the XXXX and a teller. 
I was told to make a withdrawal from my checking account. ( {$13000.00} cash ) I was then instructed to redeposit it into my account via a provided Debit Card at the cash machine outside the branch.

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 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
I got a mortgage through USAA. Not even XXXX XXXX  after having the mortgage they sold and transferred the mortgage but gave no notification though email, phone, text, or through any communication file from their portal indicating the mortgage was transferred. I was set up on auto pay and assumed everything was fine until I tried to check the mortgage today and realized I already missed last month 's payment with the new mortgage company. The company that bought it up had sent me letters through the mail, which understandably was their only way to contact me, however their letters looked like the normal spam mail you get when you have a mortgage, so I didn't think twice about it and didn't open it until it was too late. My issue isn't entirely with the transfer of the mortgage but with the communication behind it which could have led to me not having enough money in my account to now pay for XXXX XXXX  with a late fee and potentially hurting my credit for missing a payment.

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 2025-07-01 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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: SC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are inquiries on my credit report that I do not recognize. I did not apply to these companies, nor did I authorize them to access my credit file. This is a clear violation of my consumer rightsrights that I expect to be protected, especially during an already stressful time in my life.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
These Universities are liars, about tuition, grades, transfer credits, graduation, promise jobs I HAVE REPORTED THESE DISPUTES TO THE BETTER BUSINESS BUREAU ABOUT THESE HARD INQUIRIES AND THE ED-FINACIAL STUDENT LOANS FROM THE UNIVERSITIES THAT I ATTENDED. THE MISLEADING, MISAPPROPRIATION, LYING ABOUT TRANSFER CREDITS, TUITION, JOBS AFTER YOU GRADUATE, LIED ABOUT THE EACH CREDIT, NO CERTIFIED PROFESSORS, FALSE ADVER-TISEMENT, XXXX HAVE XXXX IN SCHOOL LOANS AND THE CLOSED ACCOUNTS THAT ARE STILL ON MY CREDIT REPORT. 
XXXX, XXXX. 
XXXX, XXXX XXXX XXXX XXXX I DEMAND THEM TO BE TAKEN OFF MY CREDIT REPORT. THOSE SCHOOL LOANS HAVE MADE ME A VICTIM. 
( Note : This statementThe years of XXXX until 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 2025-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : 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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I am formally disputing an account reported by LVNV Funding LLC Opened : XX/XX/year> Amount : {$9000.00}. I was a confirmed victim of the XXXX data breach and received compensation for my data being compromised. I requested a signed assignment and full chain of custody showing LVNV Fundings legal right to report or collect this account they failed to provide it. This violates the FDCPA and FCRA due to false, misleading, and deceptive practices. Ive made prior attempts to resolve this, but they continue to report inaccurately. I am demanding immediate deletion of this account from all credit reports. I reserve the right to pursue {$1000.00} per violation and file complaints with the CFPB, FTC, and other regulatory agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: NY

Complaint narrative:
Hello, Im writing to follow up on the denied dispute for the {$2500.00} charge related to a XXXXXXXX XXXX  I received from XXXX XXXX XXXX. I was surprised this claim was deniedespecially considering U.S. Bank previously approved and refunded a related {$1600.00} charge for a separate service with the same provider. That prior decision reflected an acknowledgment that the merchant failed to deliver services as described, and Im confused why the same standard wasnt applied here, given the more serious concerns. 

To clarify, XXXX is a painful, high-cost skin tightening procedure that uses ultrasound energy to stimulate collagen production in a uniform, controlled way. It must be applied evenly and thoroughly for effective results. In this case, the provider not only admitted that the treatment had been performed unevenly ( evidence uploaded ), but also failed to treat the key areas of concernmy forehead and glabellar ( XXXX ) lineswhich were explicitly discussed with her and her consultant during the sales process. Only after the procedure did she claim these areas were too high risk, despite having applied the device to my eyelids, which are even more delicate. Instead, she suggested XXXX as an alternativedespite my repeated statements that I was not interested in injections, which is why I chose XXXX in the first place. 

This is not a case of buyers remorse. This is a clear instance of misrepresentation and negligence. I was misled about what the treatment would involve, misinformed afterward, and then offered store creditas if I should return to a practitioner who acknowledged performing the treatment unevenly on my face. 

The experience was not only physically painful but emotionally distressing. I do not feel safe returning to this provider, and Im deeply disappointed by the lack of accountability shown. I respectfully request that U.S. Bank reconsider this dispute in good faith, just as you did with the prior charge. 

Thank you for your time and attention. 

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 monetary relief
Consumer complaint received 2025-07-01 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: PA

Complaint narrative:
I have disputed accounts that are not mine and are incorrect on my report for over a year without any assistance from Experian, TransUnion and Equifax I have asked them to provide me evidence they actually looked into these items are well and that have not. 

XXXX XXXX - not mine and the information is not accurate I reported this as fraud Experian never investigated this properly or deleted it. 

XXXX XXXX - not mine and the information is not accurate I reported this as fraud Experian never investigated this properly or deleted it. 

XXXX XXXX XXXX - - not mine and the information is not accurate I reported this as fraud Experian never investigated this properly or deleted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I did everything I could to contact the company, from calling, to mailing letters. Ive received nothing from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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:
XXXX XXXX, XXXX, XX/XX/year>. 
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

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.

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 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief