vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: IN

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 2025-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: GA

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: VA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am writing to formally dispute a charge and subsequent actions related to my XXXX XXXX credit account issued by Comenity Capital Bank. 

I purchased a XXXX computer and activated a complimentary trial of XXXX antivirus software. Following the trial, I opted into an annual subscription set to renew each year on XX/XX/XXXX. This subscription was tied to my XXXXXXXX XXXX XXXX and was initially set to auto-renew. 

On XX/XX/XXXX, I proactively turned off the auto-renewal option for the XXXX subscription XXXX as I did not wish to continue the service for the upcoming billing cycle. I have dated screenshots confirming that auto-renewal were disabled before the renewal date. Despite this, on XX/XX/XXXX, my XXXX XXXX XXXX was charged {$120.00} for a renewal I did not authorize. 

Upon discovering this charge on XX/XX/XXXX, I contacted XXXX XXXX to request a refund because I did not auto renew my subscription and to just close the account.The representative acknowledged that the request was within 30 day cancellation period so he would have a refund issued and move forward to close the account. He also said he would have the auto renewal investigated to determine why the charge happened if autopay was off. I later received a letter dated XX/XX/XXXX, confirming the account closure. 

However, in XX/XX/XXXX, I received a letter dated XX/XX/XXXX, from Comenity Capital Bank stating that, following their investigation, the charge was deemed valid. In XX/XX/XXXX, I submitted a written response explaining that : Auto-renewal had been turned off prior to the renewal date. 
I did not authorize the transaction. 
The subscription should not have been renewed under those circumstances. 
I never approved the reopening of the XXXX XXXX  account that had previously been confirmed closed. 

I received a response dated XX/XX/XXXX, indicating the matter would be further investigated. On XX/XX/XXXX, I was notified that the charge was again determined valid. 

Since that time, Comenity Capital Bank has reported a balance of over {$200.00} on this account to the credit bureaus, resulting in a drop in my credit score of XXXX points. This reporting is both inaccurate and unjust, given that I took proper steps to cancel the service in advance, did not authorize the charge, and received confirmation that the account was closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: CA

Complaint narrative:
This account is fraudulent under the FCRA Section 605B. I am a victim of identity theft. I did not open this account. Please permanently remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: AZ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX 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 2025-07-18 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-18 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:
These fraudulent accounts were created without my consent and knowledge. Kindly remove them within 15 days under USC 1681g. Evidence 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 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
In XXXX of XXXX I noticed unusual activity on my acct, so I called and reported it. Then in XXXX there was XXXX accounts that were opened in my name, XXXX checking and XXXX savings. I called and reported it, there was money being put into these accounts and being transferred between this XXXX accounts and my already established savings account. I called and made them aware of it. They did nothing. Next thing I know I $ XXXX with the bank. Because of the money that was. XXXX transferred between the XXXX accounts. I called multiple times to address this issue. Nothing was done. Finally in late XXXX I spoke with an amazing fraud dept ( XXXX ) worker who spent an hour on the phone with me trying to figure things out. As she dug into the activity and saw that all this activity was not done by me, it was from an IP address in XXXX, she attached documentation for the fraud investigation. During this time I had noticed my phone was acting weird, running slower than normal, getting hot ( unusual ), I was being locked out of my accounts, passwords being changed so I couldnt access things, I was getting security codes text to my phone ( that I didnt request ) etc. then found out my phone was hacked into, and that is how I was getting all these things against me. I continued to argue with USAA and tell them about it, nothing was done, in fact my account ended up being limited and I was locked out for XXXX days. XXXX days that I couldnt pay my bills and I ended up with late charges. Then i eventually get my fraud investigation notice ( XXXX XXXX XXXX XXXX stating that this fraud is my fault because the secure codes to access my account was from my phone. No matter how many times I changed my username and passwords, they were still able to access my information. I tried to explain to them that my phone was hacked into. They didnt/dont care. I asked for copies of the investigation report and they will not give it to me. I eventually was able to get a new phone and changed my number and am trying to do everything I can to make sure all my info is encrypted and safe, etc. 

I have been a banking customer for 19 years and I have never had a problem until now. This incident with them has made me change banks and lose all respect for USAA, I dont trust them, I wont recommend them to anyone, they are garbage as far as I am concerned.

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 2025-07-18 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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.

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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: IN

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-07-18 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-18 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: GA

Complaint narrative:
Please delete this fraudulent account from my credit report. I have included an FTC report as well as my ID. 

XXXX INC : Account # XXXX Please deleted these fraudulent inquiries from my credit report. I have included an FTC report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: FL

Complaint narrative:
Subject : Flawed Scoring Logic in FICO Score XXXX Model To whom it may concern, I am writing to express concern with the current TransUnion FICO Score XXXX credit model, which penalizes consumers for not having recent installment loanseven when their financial behavior is responsible and their score is otherwise excellent. Further, they provide this information to financial institutions for the purpose of making credit decisions. This is not an accurate representation or an accurate predictor of my credit worthiness. It is an outdated model that is unfair and lumps me into the same pot with millions of other consumers instead of assessing my credit worthiness on my own individual merits. 

As someone who pays off credit card balances in full, avoids unnecessary debt, and maintains an exceptional score, I find it inaccurate and discouraging that this model reduces points simply for lacking installment loan activity. This logic promotes borrowing that is not always financially wise, undermining decades of prudent financial management. 

I respectfully urge the CFPB to investigate how scoring models such as FICO Score XXXX align with sound consumer protection principles and responsible financial behavior. 

Sincerely,

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 2025-07-18 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: VA

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan TypeCREDIT CARD Balance {$11000.00} Date XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$10000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan XXXX XXXX XXXX XXXX  Balance {$7300.00} Date XXXX Last Payment XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$6000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan XXXX XXXX XXXX XXXX  Balance {$7200.00} Date XXXX Last Payment XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$6000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be 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 2025-07-18 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan TypeCREDIT CARD Balance {$11000.00} Date XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$10000.00} from XX/XX/XXXX to XX/XX/XXXX ; {$0.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan XXXX XXXX XXXX XXXX  Balance {$7300.00} Date XXXX Last Payment XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$6000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, DE XXXX Phone ( XXXX ) XXXX Date XXXX ResponsibilityIndividual Account Account TypeRevolving Account Loan XXXX XXXX XXXX XXXX  Balance {$7200.00} Date XXXX Last Payment XXXX Pay Status>Charge-off< TermsPaid Monthly Date XXXX Credit Limit ( Hist. ) Credit limit of {$6000.00} from XX/XX/XXXX to XX/XX/XXXX Estimated month and year this item will be XXXX

Company response to consumer: Closed with non-monetary relief