vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-12 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company 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 2025-03-12 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: IL

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/year>, XXXX called me and left a voicemail at XXXXXXXX XXXX  stating that if I did not return their call within two business days, they would be unable to assist me regarding my case ending in XXXX. I called them back the same day at XXXXXXXX XXXX at XXXX and spoke with XXXX, a dispute XXXX. She assured me that my case would not be closed since I had contacted them. I also requested written confirmation of my call to ensure there would be no issues, but she stated that it would only be notated on my account. 

Despite XXXXXXXX XXXXXXXX I received the same voicemail again today, XX/XX/year>, at XXXXXXXX XXXX, while at work, stating the same warning about my case being closed. XXXX had previously assured me that I would not receive another call and that my case would remain open, yet the voicemail contradicts this. 

I am concerned about the inconsistency in communication and would like written confirmation that my case remains open to prevent any misrepresentation or closure due to an internal error.

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 2025-03-12 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: TX

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Last year I replied to an email telling them I refuse to pay the debt and they should stop contacting me unfortunately. They ignored my request. This was on XX/XX/year> at XXXXXXXX XXXX They have continuously emailed me violating me and tormenting me! 

I have attached my proof 15 U.S. Code 1692c - Communication in connection with debt collection ( C ) Also XXXX XXXX  and Sunrise Credit Services breached their contractual obligations by engaging in unlawful debt collection practices, which have caused me to suffer financial harm and emotional distress. Moreover, they have failed to investigate my dispute under the Fair Credit Reporting Act ( FCRA ). 

I have also been made aware that the which requires disputes to be resolved through arbitration rather than litigation. I intend to enforce this agreement and pursue arbitration in accordance with the terms of the contract and applicable law. 
Based on the above I demand {$10000.00} in compensation for the harm and damages suffered as a result of XXXX XXXX and Sunrise Credit Services Inc. wrongful conduct. 

I urge you to take swift action to resolve this matter, as I believe that it is in the best interest of all parties involved. I reserve all rights and remedies available under the law and the terms of the contract. 

Thank you for your attention to this matter, and I look forward to your prompt response. Please be aware 10 days from the date of this letter if resolution had not been agreed upon based on this dispute a case will be filed with XXXX arbitration. 



I

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence. 

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

Inaccurate Collection Account : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have made multiple attempts to resolve this matter with Midland Credit Management Inc, but they have failed to respond to my requests for verification or payment options. Under the Fair Credit Reporting Act ( FCRA ), any information reported on my credit file must be accurate and verifiable. Since the company has not provided validation of this debt, I am formally requesting its removal from my credit report due to non-verification. Per FCRA guidelines, the credit bureaus are required to investigate this dispute within 30 days and remove any unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing because Ive noticed that some of the tradelines on my credit report are not being reported with the maximum possible accuracy. This is a clear violation of my rights, and Im extremely frustrated that this issue has not been addressed yet.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I was a victim of a data breach and I just want my credit to be corrected so I can get back on with my life thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: NC

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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: FL

Complaint narrative:
COMENITY BANK / XXXX you furnished alleged transactions on my consumer report XXXX, XXXX and XXXX that you identified as late for the account # XXXX. 
15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 

My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports. 

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date. 
15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information.

A creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that show proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Do not reply to me stating that you are furnishing accurate information because we both know you do not.

Do not tell me this information is verified because you have not submitted proof of compliance with section 15 USC 1681a ( 2 ) Ai and 15 USC 1666b & 1637 ( b ).

If you can not provide the proof of the mailing or delivery of the information required by section 1666b you can not treat a payment as late which means you have also violated section 15 USC 1681s-2. You have 10 Calendar days from the receipt of this notice to provide the required information or delete the transaction you have listed as late : COMENITYBANKXXXX Account # XXXX Past due : 30 Days Date : XX/XX/year> ( XXXX AND XXXX XXXX. 
Date : XX/XX/year> ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
These accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$720.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX BALANCE {$690.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX BALANCE {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$880.00} XXXX XXXX XXXX XXXX XXXX  XXXX BALANCE {$590.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCE {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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:
These accounts do not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$720.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX BALANCE {$690.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX {$50.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$480.00} XXXX XXXXXXXX XXXX XXXX XXXXXXXX BALANCE {$460.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$880.00} XXXX XXXX XXXX XXXX XXXX  XXXX BALANCE {$590.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX BALANCE {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE {$0.00} XXXX XXXX XXXX XXXX XXXX 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 2025-03-12 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: TX

Complaint narrative:
Account was included in XXXX, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! Remove this account immediately 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 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 am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$210.00} XXXX  - XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX - XX/XX/XXXX - {$470.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$150.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$1000.00} XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$3500.00} INQUIRIES : 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 2025-03-12 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
Main Party : Apple Credit Card and XXXX XXXX Other parties involved : XXXX XXXX On XXXX, XXXX XXXX  I purchased an international flight tickets to XXXX from the XXXX XXXX website using the Apple Card credit card. 

The round trip international flight tickets was designed to be using XXXX XXXX for the local flight, and XXXX XXXX for the XXXX  flight. 
The flight tickets date was on XX/XX/year> On the flight day XX/XX/year> at the airport ; XXXX XXXX experienced an error in their system causing my ticket to show as not paid. Therefore, XXXX XXXX declined my tickets to be used. I had to purchase new tickets of {$3300.00} to travel from XXXX to XXXX and I had to purchase new tickets of {$2600.00} to come back from XXXX to XXXX. 

The XXXX XXXX did not allow me to use the tickets I purchased to fly on the flights that I paid the {$5400.00} for due to an error in their partner ( XXXX XXXX ) system ; therefore, I did not receive the service that I paid for. 

This is why I am submitting this dispute request. 

I contacted Apple Card credit card and provided all the information and evidences I have. Yet they unfairly investigated my case claiming there is no enough evidence. Had to submit another dispute, and they also unfairly investigated it and they claimed there was too much files and documents submitted. I have been struggling with this since then.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-12 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 not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-12 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: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These can be combined on my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.

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 2025-03-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
The Consumer Financial Protection Bureau ( CFPB ) has already documented Equifaxs repeated failures to properly investigate consumer disputes, leading to legal action for violations of the FCRA. This repeated pattern of noncompliance is unacceptable, and I will not allow my credit profile to be a casualty of Equifaxs negligence.

Federal law ( 15 U.S.C. 1681i ) mandates that Equifax conduct a thorough and legitimate reinvestigation of any disputed information within 30 days. Any item that can not be 100 % verified with legitimate documentation must be deleted immediately. I demand immediate corrective action, as these inaccuracies are actively harming my financial standing. Continued noncompliance and any further delay in addressing these issues will not go unnoticed. 

Inaccurate Collection : XXXX XXXX XXXX XXXXXXXX - {$3700.00} XXXX XXXX XXXX XXXXXXXX - {$5100.00} XXXX XXXX XXXXXXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX - {$2600.00}

Company response to consumer: Closed with non-monetary relief