vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Subject : Unauthorized or Unverified Reporting under 15 U.S. Code XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX Phone : ( XXXX ) XXXX Date : XX/XX/XXXX To : Experian P.O. XXXX XXXX XXXX, TX XXXX RE : Formal Dispute of Charged-Off Account XXXX XXXX  ( Partial Account Number : XXXX ) To Whom It May Concern, I am writing to dispute the following account appearing on my Experian credit report : Account Name : XXXX XXXX  Account Number ( partial ) : XXXX Date Opened : XX/XX/XXXX Current Status : Charged Off Balance {$720.00} Past Due Amount : {$720.00} Last Payment Date : XX/XX/XXXX Status Updated : XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b, consumer reporting agencies may only furnish credit information if there is a permissible purpose. I do not acknowledge this debt and have not been provided evidence that : 1.I entered into a binding agreement regarding this account 2.The account is valid and accurate 3.The reporting entity had the legal right to report or access this information Additionally, the payment history shows consistent CO ( charge off ) designations for over 60 months, which is excessive and potentially inaccurate or unfairly reported.

Accordingly, I am demanding that : 1.You initiate an investigation and validate the legitimacy and purpose of this tradeline 2.If the debt can not be verified, this account must be deleted from my credit report 3.You provide me with the name and contact of the entity currently responsible for this account, if applicable This letter serves as a formal dispute and notice under the FCRA. Please respond with your findings and resolution in writing within 30 days, as required by law.

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 2025-07-19 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-19 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: GA

Complaint narrative:
Subject : Formal Demand for Deletion of Inaccurate Information Violation of 15 U.S.C. 1681e ( b ) To Whom It May Concern, This letter serves as a formal dispute and demand immediate deletion of inaccurate information currently being reported on my credit file. The continued reporting of this erroneous data constitutes a direct violation of 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies must follow reasonable procedures to assure maximum possible accuracy. 

The following account ( s ) are being reported inaccurately : Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am enclosing documentation that clearly proves the information is false and misleading. Your failure to correct this error is not only negligent it is unlawful. You are now on notice that :

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 2025-07-19 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 was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-19 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 was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDispute inaccurate Information and Demand for Immediate Deletion Under Consumer protection laws\n\nI am writing to formally dispute certain items on my credit report that I believe are being reported, inaccurately and in violation of state and federal laws, including the fair credit reporting act (FCRA) and the Fair Debt Collection practices Act (FDCPA).\n\nThe collection account against me as outlined below, appeared to violate my rights under these consumer protection laws, therefore, I demand the immediate deletion of the following items from my credit report due to lack of substantial and verifiable documentation.\n1. Account that are in question are as 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX3/15/1974 Address : 2204 Campus Dr. St. Charles , Mo 63301 SS # 335-64-5604 Dear Credit Bureaus, I recently was looking over my credit report and came across an account that ive previously disputed in the past for having inaccurate and incomplete information. You claimed to investigate it last year. You updated and verified this account. Yet here we are with multiple errors on my report. It wouldnt have been a big deal if there was only one inaccuracy but I came across several once I compared the data from all XXXX bureaus. I found this odd and disturbing because if the info regarding this account comes from the same source then there shouldnt be any discrepancies. Do you agree? 
So in this letter Id like to dispute the accuracy of the following account for the following reasons. 
Acct. Name : XXXX Card Acct # XXXX Reason XXXX ) The last reported date differs across Bureaus So there is no way to know which one is accurately reported. 
XXXX ) Different high credit amounts across Bureaus Experian reports {$0.00} Equifax reports {$2000.00} Transunion reports {$2100.00} XXXX ) Contradicting account status, XXXX company is reporting as paid and the other XXXX reporting derogatory. Which is it?

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 2025-07-19 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: MO

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX3/15/1974 Address : 2204 Campus Dr. St. Charles , Mo 63301 SS # 335-64-5604 Dear Credit Bureaus, I recently was looking over my credit report and came across an account that ive previously disputed in the past for having inaccurate and incomplete information. You claimed to investigate it last year. You updated and verified this account. Yet here we are with multiple errors on my report. It wouldnt have been a big deal if there was only one inaccuracy but I came across several once I compared the data from all XXXX bureaus. I found this odd and disturbing because if the info regarding this account comes from the same source then there shouldnt be any discrepancies. Do you agree? 
So in this letter Id like to dispute the accuracy of the following account for the following reasons. 
Acct. Name : XXXX Card Acct # XXXX Reason XXXX ) The last reported date differs across Bureaus So there is no way to know which one is accurately reported. 
XXXX ) Different high credit amounts across Bureaus Experian reports {$0.00} Equifax reports {$2000.00} Transunion reports {$2100.00} XXXX ) Contradicting account status, XXXX company is reporting as paid and the other XXXX reporting derogatory. Which is it?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX Date : XX/XX/XXXX To : XXXX XXXX Subject : Formal Dispute and Request for Deletion XXXX  Account To whom this may concern, I am writing to formally dispute the inaccurate and outdated reporting of a XXXX account ( or related collection account ) that appears on my credit report. The account in question is : Creditor Name : XXXX ( or third-party collection agency, if applicable ) Account Number : XXXX Reported Date : XX/XX/XXXX Amount : {$1300.00} This account is either : Inaccurately reported, A duplicate or obsolete account, Or has been paid, settled, or should not have been reported under the standards set by the Fair Credit Reporting Act ( FCRA ). 


Under the FCRA ( 15 U.S.C. 1681 ), I have the right to dispute any item on my credit report that I believe is inaccurate, outdated, or unverifiable. I am formally requesting : An investigation into the accuracy and validity of this account. 


Immediate deletion of this account from my credit report if the furnisher can not provide full and complete verification. 


The name and contact information of the entity that verified the account ( if applicable ). 


Please note : If XXXX ( or its affiliated collector ) can not furnish adequate documentation proving this debt is valid and being reported in full compliance with all federal laws, you are legally required to delete it from my report within XXXX  days of receiving this letter. 
If this account has already been paid or resolved, there is no legal requirement that it remain on my report. I am requesting it be removed in accordance with the principles of accuracy, fairness, and privacy that the FCRA promotes. 
Thank you for your prompt attention to this matter. Please provide written confirmation of the results of your investigation within the XXXX window. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
In XX/XX/XXXX, XXXX Affirm accounts were fraudulently opened in my name, totaling approximately {$280.00}. I was not made aware of these accounts until XXXX or XX/XX/XXXX, when my credit was pulled during a mortgage pre-approval process and I discovered serious damage to my XXXX  score. 

I never received any communication from Affirm or any collections agency about these accounts, any missed payments, or their eventual charge-off status. Upon discovering them in XXXX, I submitted formal disputes to Affirm and included an FTC Identity Theft Report. Despite this, Affirm denied responsibility and continued to report the accounts as valid. 

In XX/XX/XXXX, I reopened disputes for both accounts after continuing to suffer credit damage. This time, I submitted new FTC Identity Theft Reports and police reports documenting the fraud. I also submitted disputes to XXXX. Despite this updated and thorough documentation, Affirm has still failed to resolve the issue or remove the accounts from my credit report. 

The information used to open the accounts does not match my personal details, and I was never properly notified or contacted about the accounts at any point. Affirms failure to investigate and take corrective action has caused ongoing credit harm and personal stress. 

I am requesting that Affirm immediately remove the fraudulent accounts from all credit reporting agencies, stop reporting inaccurate information, and confirm in writing that I am not liable for these debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
The problem with JPMCB CARD is that they claim I owe them because I opened an account with them and used it for my business transactions. They later claimed it was fraud, which it was not. They sent me a check for the remaining balance in the account. If I owed them money, why didnt they take it? Also, when I check my credit report, it says the account was written off. So why is this still showing up on my report? Please remove this from my credit report. they also says that i owe them XXXX but look at the screenshot that i attached below this is foolishness i need this to be remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I received three emails today, XX/XX/year> from Wells Fargo notifying me of an attempt and application to open a deposit account in my name. The three emails state they were unable to verify my identity.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX3/15/1974 Address : 2204 Campus Dr. St. Charles , Mo 63301 SS # 335-64-5604 Dear Credit Bureaus, I recently was looking over my credit report and came across an account that ive previously disputed in the past for having inaccurate and incomplete information. You claimed to investigate it last year. You updated and verified this account. Yet here we are with multiple errors on my report. It wouldnt have been a big deal if there was only one inaccuracy but I came across several once I compared the data from all XXXX bureaus. I found this odd and disturbing because if the info regarding this account comes from the same source then there shouldnt be any discrepancies. Do you agree? 
So in this letter Id like to dispute the accuracy of the following account for the following reasons. 
Acct. Name : XXXX Card Acct # XXXX Reason XXXX ) The last reported date differs across Bureaus So there is no way to know which one is accurately reported. 
XXXX ) Different high credit amounts across Bureaus Experian reports {$0.00} Equifax reports {$2000.00} Transunion reports {$2100.00} XXXX ) Contradicting account status, XXXX company is reporting as paid and the other XXXX reporting derogatory. Which is it?

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 2025-07-19 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:
In XX/XX/year>, I discovered numerous fraudulent accounts on my credit report that I did not authorize. On XX/XX/year>, I filed a police report with the XXXX Police Department and submitted an FTC identity theft affidavit. Despite this, many fraudulent accounts and inquiries remain on my credit. 

* * Fraudulent accounts include 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 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 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 Fair Credit Reporting Act, 15 U.S. Code 1681c2 ( Section 605B ) * *,  consumer reporting agencies are * * required to block * * identity theft-related items within * * four business days * * after receiving a valid police report, proof of identity, and a written statement. I submitted all required documentation, yet these accounts remain.

I am requesting that the CFPB take action to enforce the removal of these fraudulent accounts and inquiries in compliance with federal law.

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 2025-07-19 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
These items on the attachment below are inaccurate and violate the Fair Credit Reporting Act ( [ 15 USC 1681e ] ( b ) ), which requires your agency to maintain the highest accuracy standards.

Moreover, under [ 15 USC 1681b ] ( a ) ( 2 ), you have shared my private information without my consent, infringing upon my privacy rights as outlined in [ 15 USC 1681 ] ( a ) ( 4 ).

I kindly ask that you delete these inaccuracies immediately. If not addressed, I will have to consider legal actions to protect my rights.

These violations are considered Aggravated Identity Theft under [ 18 USC 1028A ] ( a ) ( 1 ), a felony with severe penalties. I am seeking the following compensations : 1 Permissible purpose - {$1000.00} 2 Defamation of character - {$1000.00} 3 Damaged reputation - {$1000.00} 4 Damaged creditworthiness - {$1000.00} 5 Damaged mode of living - {$1000.00} 6 Infringed right to privacy - {$1000.00} Thank you for your prompt attention to this matter. 
Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I was told by the merchant ( XXXXXXXX XXXX  ) I would be paying $ XXXX for 12 months, totaling {$1200.00}. After signing, Bread XXXX is charging me around {$1500.00}. I was misled and deceived. I have already contacted Bread and they refused to acknowledge the issue or investigate it. I still have the jewelry and am willing to return it if necessary. XXXX requesting a cancellation or correction of the loan to match the terms I agreed to at XXXX XXXX of sale.

Company response to consumer: Closed with explanation