vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: GA

Complaint narrative:
I got an email stating I have a debt from an unknown company I never gave my information to or acquired their service I tried speaking to the actual vendor who is Georgia Power explaining I already have an account with them and my current address they instead sold the debt to a creditor ( Credit systems ) whose now on my report reflecting negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I want these items deleted I did not authorize these companies to run my credit

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 2025-07-06 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
I utilized Equifax and they charged me and never fixed anything on my credit report for the last 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distress fraudulent I have been open without my knowledge or consent. causing significant harm to my credit standings. I am determined to take the necessary steps to secure my credit and restore my financial well-being. I kindly request you remove these fraudulent accounts from my credit report as they do not reflect my financial history or responsibilities I appreciate any support and assistance and helping me overcome this difficult situation. I never had a car thru 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 2025-07-06 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: NJ

Complaint narrative:
TransUnion and Equifax are reporting outdated information related to my XXXX XXXX account. This account has been closed and/or resolved, but it still appears on my credit report in a way that is inaccurate or outdated. I am requesting that TransUnion review and correct or remove this information in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Bread Financial Holdings, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX, I applied for Bread Pay financing through XXXX, which is issued by Comenity Capital Bank. I received a denial letter citing vague reasons such as lack of real estate secured loan and not enough balance paid down on installment accounts. These are not specific reasons that explain the decision under the Equal Credit Opportunity Act ( ECOA 15 USC 1691 ) or the Fair Credit Reporting Act ( FCRA 15 USC 1681m ). 
I earn approximately {$50000.00} annually since XX/XX/XXXX, and I do not receive public assistance. The denial appears to be based on outdated assumptions rather than a fair review of my actual creditworthiness. I believe this is discriminatory and does not comply with federal credit laws. 
I am requesting a detailed breakdown of the specific credit report items and scoring factors XXXX relied on, how those were interpreted, and why they were deemed insufficient despite my current income and compensation for Breads failure to follow proper procedures. A vague summary referencing XXXX is not sufficient under ECOA or FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me.

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission.

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

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 2025-07-06 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Transactions from XXXX showed up on my credit card during XXXX and XXXX. I did not notice until XXXX and disputed the transactions. XXXX refunded some but not all transactions. I reported the fraud to Chase bank. Chase reversed some but not all charges. XXXX froze my account and then asked me to send a photograph of my old credit card to reinstate my account. I still have the old card so I sent a photo of the card to reinstate my XXXX account. Now XXXX is asking for proof of chargeback reversal. It seems like XXXX is using the photo of my credit card to claim the fraudulent charges were legitimate. My XXXX account has been hacked into multiple times. I have tried to change my passwords to stronger passwords and it does not seem to matter. XXXX appears to be using account reinstatement as a method to force users to pay for fraudulent charges. On top of the risk of identity theft and fraud through the use of XXXX XXXX, this is bad business practice. I am now expected to pay around {$10000.00} worth of fraudulent charges. I contacted Chase to dispute the charges again. In the time it took Chase to side with XXXX, my account was hacked again. Chase cardmember agreement states there is {$0.00} liability for fraudulent charges, but they expect me to pay for these fraudulent charges. I am now escalating this incident to the FTC and CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MD

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distress fraudulent I have been open without my knowledge or consent. causing significant harm to my credit standings. I am determined to take the necessary steps to secure my credit and restore my financial well-being. I kindly request you remove these fraudulent accounts from my credit report as they do not reflect my financial history or responsibilities I appreciate any support and assistance and helping me overcome this difficult situation. I never had a car thru 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 2025-07-06 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: PA

Complaint narrative:
I am a victim of identity theft, which has left me feeling vulnerable and distress fraudulent I have been open without my knowledge or consent. causing significant harm to my credit standings. I am determined to take the necessary steps to secure my credit and restore my financial well-being. I kindly request you remove these fraudulent accounts from my credit report as they do not reflect my financial history or responsibilities I appreciate any support and assistance and helping me overcome this difficult situation. I never had a car thru XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX06-13 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
CBNA Best Buy / Citi I am filing this complaint to dispute outdated and inaccurate information reported by CBNA ( Best Buy / Citi ) on my credit report.

This account appears as closed or charged-off, but no documentation or supporting history has been provided. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be accurate, complete, and verifiable.

If this account is beyond 7 years since the original delinquency or lacks documentation, it must be removed immediately. I request that Experian/TransUnion verify this entry properly or delete it from 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 2025-07-06 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: CA

Complaint narrative:
There is about 9 hard inquiries affecting my reports from mostly credit card companys I am not familiar with inquiring about myself they are effecting my scores by far all 9 are froudulant I have recently filed complaints and fought hard to get froudulant company credit cards etc permenitly deleted off all 3 reports after fighting hard I finally got everything deleted permenitly but now I'm still stuck with many of those inquiries from those companies as well as many others that are still effecting my scores I have tried contacting 3 credit burs and those companies directly as well where all inquiries are from and no luck getting all froudulant inquiries permenitly deleted from my 3 reports please permenitly deleted all hard and soft as well froudulant inquiries on my 3 reports if I finally got the froudulant depts to be deleted I think the inquiries from them and others should be permenitly deleted as well are I will take further actions I have already filed many police reports about my froudulant accounts showing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is about 9 hard inquiries affecting my reports from mostly credit card companys I am not familiar with inquiring about myself they are effecting my scores by far all 9 are froudulant I have recently filed complaints and fought hard to get froudulant company credit cards etc permenitly deleted off all 3 reports after fighting hard I finally got everything deleted permenitly but now I'm still stuck with many of those inquiries from those companies as well as many others that are still effecting my scores I have tried contacting 3 credit burs and those companies directly as well where all inquiries are from and no luck getting all froudulant inquiries permenitly deleted from my 3 reports please permenitly deleted all hard and soft as well froudulant inquiries on my 3 reports if I finally got the froudulant depts to be deleted I think the inquiries from them and others should be permenitly deleted as well are I will take further actions I have already filed many police reports about my froudulant accounts showing

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 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX Date : XX/XX/year> AFFIRM INC RE : Debt Validation Request Account Number : N/A Amount Reported : {$1500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account.

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made.

2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector.

5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables.

6. The name, address, and EIN of the current creditor or trust that legally owns this account. 
7. Copies of IRS Forms 1099-C or 1099-A, if applicable. 

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC I am disputing the account reported by LVNV Funding LLC, a known debt buyer. 

This company has listed a collection account on my credit file, yet has not provided any legal validation, including the original contract, a full payment history, or proof of assignment. Under FDCPA 809 and FCRA, all debt collectors and data furnishers must provide proper documentation or remove unverifiable accounts.

I request immediate deletion of this account from my credit report if full validation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/XX/year> I was defrauded by a seller using PayPal. Sellers name was XXXX XXXX, PayPal account email : XXXX This seller sold a counterfeit item illegally on PayPal and scammed me! I was under the impression I was receiving a genuine product but i received a counterfeit! Selling counterfeit items is illegal and PayPal took the side of the seller! I tried countless times to open a dispute and PayPal was NO HELP! This is unacceptable, there is no recourse even if you receive a counterfeit item which is ILLEGAL AND PAYPAL SUPPORTS THE SCAMMER! I want a FULL refund for my transaction on XXXX second to XXXX XXXX dispute ID XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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 HAVE CAREFULLY REVIEWED MY CREDIT REPORT AND HAVE FOUND FRAUDULENT ACCOUNTS THAT I DID NOT OPENED, PLEASE REMOVE THEM AS THEY ARE KEEPING ME FROM ACCESING CREDIT.

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 2025-07-06 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: FL

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief