vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EdFinancial Services
State: TN

Complaint narrative:
I was notified of a change in my credit report. Upon reviewing my credit report I discovered that a Student Loan through ED Financial Services out of XXXX Tennessee was reported on my credit as being delinquent. The loan was for {$800.00} for XXXX Nevada University XXXX contacting ED Financial I was informed that they only service the loans that are issued through the XXXX Department of Education. They were extremely difficult to deal with and I had requested a dispute of the charged to which they informed me they would send me a fraud report packet via email, which I never received. 

This same form of identity theft happened to me in 2023 and the same issue where someone took out a fraudulent loan in my name from the Department of Education XXXX XXXX Nevada University and the delinquent bill was sent to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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 recently received a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report as they are XXXX  my ability to obtain 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 2025-06-28 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by The XXXX XXXX and reported through Equifax and TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported.

Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within 15 days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry from 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 non-monetary relief
Consumer complaint received 2025-06-27 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:
Please assist me in launching an investigation into the accounts listed, as they appear to be inaccurately reflected on my credit report. Under XXXX XXXX, I am formally requesting that they be removed within XXXX  days. All supporting documentation has been provided for your review. It is also important to note that XXXX  credit bureau is reporting different and inaccurate information regarding these accounts.

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 2025-06-28 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:
Hi, I jst want to touch base with u and check if u can remov a couple of things from my file. You can see wht I'd like removd from the report I have attached. I'm experienin identity theft, and those charges are not even mine. I need them removd so I can repair my credit report. I have already reprted the fraud to the FTC, and there are copies of their Identity Theft Affidavit attached.

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 2025-06-27 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:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dealing with these inaccurate entries has been XXXX XXXX XXXX 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-06-28 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:
This letter serves as a formal request to delete a collection account from my credit report. Upon review of the information provided, I have found no evidence that this account is valid or that I am legally responsible for it. The data lacks verifiable proof, and no original documents or signed agreements have been provided to establish its legitimacy.

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 2025-06-28 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX I noticed a charge on my XXXX credit card for {$630.00} which I know I had not made. 
I reached out to the credit card company because I noticed I had lost my XXXX credit card. 
They began the dispute process and told me that this was not something I was responsible for and credited my account. 
I noticed the credit was reversed without any message or contact to me justifying this. 
I requested proof of purchase in the form of a signature + ID as I know both are required by XXXX at time of purchase. 
They failed to provide this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Date : XX/XX/XXXX Company name : KLS FINANCIAL SERVICE Subject : Formal Dispute and Request for Cessation of Reporting to Credit Bureaus Dear KLS FINANCIAL SERVICE, I am writing to formally dispute the validity of the debt reported by your agency on my credit report, which is negatively impacting my ability to secure credit and housing for my family. I believe that the reporting of this debt is in violation of multiple provisions under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Firstly, under the FDCPA, specifically 15 U.S.C. 1692g, I did not receive the required written notice of this debt which should have included the amount of the debt, the name of the original creditor, and my right to dispute the debt within 30 days. As such, I was not given the opportunity to properly respond or contest the debt 's validity.

Additionally, according to the FCRA, all information furnished to credit reporting agencies must be accurate and fair. Since I was neither informed of this debt nor provided consent for its validation, it raises a significant concern regarding the accuracy and legitimacy of the reporting. 

I would also like to reference the case of XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), which underscores the intended protection for consumers against unverified debts being reported without proper notification and opportunity to contest. 
Given these circumstances and legal precedents, I demand that your agency cease reporting this alleged debt to all credit bureaus immediately. Furthermore, I request full documentation validating this debt, including contracts or agreements with the original creditor that bear my signature. 

Please consider this letter a formal notice of my complaint, which I am also submitting to the Consumer Financial Protection Bureau ( CFPB ) for review and resolution. 


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 explanation
Consumer complaint received 2025-06-28 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: TX

Complaint narrative:
Transunion has failed to complete a complete thorough investigation on a previous account that is inaccurately reporting into my credit profile

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 2025-06-28 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: FL

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 XXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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 2025-06-28 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: FL

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 XXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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 2025-06-27 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 dispute inaccurate information reported on my credit file related to the following account : Creditor Name : XXXX XXXX  Account Number ( Partial ) : XXXX Status : Paid and Closed as of XX/XX/year> Upon reviewing my credit report, I noticed that this account is still impacting my credit profile negatively despite being paid and closed over two years ago. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute information I believe is incomplete or inaccurate. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure the credit reporting agencies update or remove any outdated or misleading information associated with this account.

I have attached relevant documentation to support my claim. Please confirm receipt and advise on the status of this dispute.

Thank you for your attention to 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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am a documented victim of identity theft, supported by my FTC Identity Theft Report XXXX. XXXX, a valid photo ID, and detailed personal statements. XXXX has already conducted an investigation and permanently blocked the fraudulent account from XXXX XXXX ( Account XXXX. ending in XXXX ) from my XXXX report as of XX/XX/year> ( Case ID XXXX ) Despite submitting the same documentation to Equifax, Experian, and TransUnion, these agencies continue to report this fraudulent tradeline, exposing me to harm, credit denials, and emotional distress in violation of multiple federal laws. 



Complaint Against Credit Bureaus : I am demanding that Equifax, Experian, and TransUnion : Immediately delete and permanently block the fraudulent XXXX XXXX  account from my credit report ; Cease and desist from reporting any data related to this account ; Provide a full method of verification and a complete, detailed description of any investigation conducted, including the date, time, and parties involved. 



Violations of Federal Law : These bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) and related federal statutes, including : 15 U.S. Code 1681c-2 Requires a consumer reporting agency to block identity theft-related information within 4 business days upon receipt of a police report or FTC Identity Theft Report.

15 U.S. Code 1681b Prohibits the release of a consumers information without permissible purpose or authorization.

15 U.S. Code 1681e ( b ) Fails to maintain maximum possible accuracy of information.

15 U.S. Code 1681i ( a ) Failure to conduct a reasonable reinvestigation.

15 U.S. Code 1681g Right to disclosure and the requirement to provide the method of verification and data sources. 
FTC Identity Theft Guidelines Once XXXX has blocked the account, all other consumer reporting agencies should do the same to ensure uniformity and prevent re-dissemination. 



Documentation Attached : FTC Identity Theft Report ( Report # XXXX ) Copy of Government-Issued Drivers License XXXX Dispute Results Showing Permanent Blocking of XXXX XXXX Requested Resolution : 1. Permanent deletion and blocking of the XXXX XXXX tradeline from all three credit bureaus. 
2. Written confirmation that the account has been removed and will not reappear.

3. Cease and desist from reporting, redistributing, or furnishing this fraudulent account.

4. Provide the method of verification and full investigation details in writing.

5. If compliance is not met immediately, I reserve the right to file civil actions and regulatory complaints seeking statutory and actual damages under 15 U.S. Code 1681n and 1681o.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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 am writing to dispute an entry on his consumer report under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and Californias Consumer Credit Reporting Agencies Act ( Cal. Civ. Code 1785.1 et seq. ). XXXXTransUnion is reporting a hard inquiry by XXXX XXXX dated XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX. XXXX, XXXX. I did not apply for credit or otherwise authorize XXXX XXXX to pull his credit on any of these dates.

Legal Basis for Dispute FCRA 1681b ( c ) requires permissible purpose ( e.g., a signed application ) before a hard inquiry may be made. No such authorization exists here.

FCRA 1681i ( a ) ( 1 ) ( A ) mandates a reasonable reinvestigation of any disputed item and deletion of information that can not be verified within 30 days.

FCRA 1681i ( a ) ( 5 ) ( A ) requires that, if an item is found to be inaccurate or unverifiable, it must be deleted promptly.

Under California law, Cal. Civ. Code 1785.11 ( a ) obligates CRAs to report only accurate and complete information, and 1785.16 ( a ) mirrors the FCRAs reinvestigation requirement.

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 2025-06-28 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: PA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information XXXX have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 non-monetary relief