vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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:
XXXX XXXX, XXXX, XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This is a closed and fully paid account with a solid payment history. The current reporting is inaccurate and harmful. Under FCRA 1681e ( b ), you are obligated to maintain maximum possible accuracy. I demand this be corrected immediately to reflect a positive payment history. 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ 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 2025-06-30 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:
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 Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX  - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} INQUIRIES : XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/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 2025-06-30 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: LA

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 4 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
In early 2025, I decided to cancel my XXXX XXXXXXXX XXXX XXXX credit card with Comenity Bank. I went to the store, paid what my bill said I owed in full and canceled the card. Each month since then, I have received a roughly {$50.00} invoice/bill from the company saying there was a {$3.00} late fee and then roughly {$47.00} dollars of fees because of this. The first few months, I paid it, hoping the card was now closed and would stop invoicing me. After all, I was no longer making charges and the account was closed. 

Finally, the fees never went away. I called in XXXX and again in XX/XX/year>, I was told -- and my husband is my witness, that if I just paid the {$49.00} I would never get another bill from Comenity Bank. My confirmation code after speaking with XXXX was XXXX. This was fraudulent on the part of Comenity Bank. I called again XX/XX/year> and again today ( XX/XX/year> ) and the issue is yet to be resolved. 

Comenity Bank is unlawfully charging me and not allowing me to cancel. On XX/XX/XXXX, I spoke with XXXX in the call center, gave her my bank routing number and she promised this would NEVER happen again -- if they could charge me one last time for {$49.00}. Sure enough, I was sent a bill for {$55.00} this month. This is a deceptive practice. It is not fair to the consumer, and I can not make this charging go away. 

Following my call today, Comenity Bank said they can not help me because I have already canceled my card. Meanwhile I am also supposed to write a letter to their disputes department and also call back on XX/XX/year> to find out if my complaint has been heard by Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: CA

Complaint narrative:
I'm writing to formally dispute and demand immediate correction of an inaccurate and harmful entry currently appearing on my credit report. This is an urgent matter that requires your full attention and swift action. 

After reviewing my report, I noticed an account that is completely inaccurate and should not be associated with me for the following reason : this account is currently involved in pending litigation. Reporting it at this stage is not only misleading, it misrepresents the facts and violates the core requirements of the Fair Credit Reporting Act ( FCRA ), which clearly states that consumer reporting agencies must maintain information that is accurate, complete, and verifiable.

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 2025-06-30 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:
I am filing this complaint in accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 ( Subsections AD ). I formally dispute the results of a recent credit investigation conducted by the credit reporting agency. Despite their investigation, inaccurate items remain on my credit report, and I was not provided with actual evidence verifying the reported informationonly a computer-generated response. 

These unresolved errors are causing significant harm to my credit rating. I am requesting that the Consumer Financial Protection Bureau assist in ensuring an immediate and thorough re-investigation of these disputed items, along with proper documentation to verify their accuracy.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing this complaint in accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 ( Subsections AD ). I formally dispute the results of a recent credit investigation conducted by the credit reporting agency. Despite their investigation, inaccurate items remain on my credit report, and I was not provided with actual evidence verifying the reported informationonly a computer-generated response. 

These unresolved errors are causing significant harm to my credit rating. I am requesting that the Consumer Financial Protection Bureau assist in ensuring an immediate and thorough re-investigation of these disputed items, along with proper documentation to verify their accuracy.

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 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I requested debt validation under FDCPA with a certified letter mailed from my post office XX/XX/year>. The debt collector is refusing to accept the certified mail. I have included the original letter ( redacted ) and copy of the USPS receipt for the certified letter. I do have a physical copy of the receipt from USPS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am disputing a potentially obsolete tradeline from CCB/MPRCC, XXXX XX/XX/XXXX and last updated XX/XX/XXXX. There is no balance showing, and the account may be closed or inactive. If it stems from a delinquency older than 7 years, it should not be reported. Under FCRA 605 ( a ), this account should be removed unless full verification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been affected by the XXXX  Data Breach. Per 15USC C 2 states except as otherwise provided in this section A consumer reporting agency shall block the reporting of any information on the file of a consumer that, that the consumer identifies as information that resulted from an alleged identify theft. Please remove the following accounts from my credit report. XXXX XXXX XXXX XXXX {$64.00}, XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX {$65.00}

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 explanation
Consumer complaint received 2025-06-30 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 have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This CFPB complaint is submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, TransUnion, block from my consumer credit report any information resulting from identity theft and fraud within XXXX business days of receiving this complaint. 

The disputed information includes multiple unauthorized accounts, collection entries, and hard inquiries that I did not initiate or authorize. These entries are inaccurate and fraudulent, and they now appear on my consumer credit report maintained by your agency. 

I do not recognize any of these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are solely the result of identity theft. For verification, I have attached a copy of my FTC Identity Theft Affidavit along with supporting documentation, including a copy of my credit report and a list of the disputed inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: NV

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO XXXX credit report, which I do not recognize and believe is the result of identity theft and fraud. The account in question was opened at XXXX XXXX on XX/XX/year> under the account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and it has led to several unauthorized hard inquiries and fraudulent collections on my credit report. I am requesting that this account be removed from all of my consumer credit reports and that any related collection activity be stopped in accordance with my rights under the FCRA and FDCPA. In addition, there are multiple accounts on my TransUnion credit report that I also do not recognize and believe were fraudulently opened. These include accounts reported under XXXXXXXX XXXX XXXXXXXX ( with two different dates ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as well as XXXX XXXX. There are also several fraudulent collection accounts listed from XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX. These accounts have all resulted in fraudulent activity on my report and were not authorized by me. I demand that all of these inaccurate and unauthorized items be removed from my consumer credit reports immediately and that all related collections cease. This request is being made under my rights as stated in the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal ComplainXXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX and XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-06-30 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:
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 Address : XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5700.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$630.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
I respectfully request that you investigate This unauthorized inquiry and provide documentation regarding their origin. Please provide all relevant details, including the name of the entity that made the inquiry and any records or consent forms that may indicate my authorization for these actions. As this unknown inquiry may negatively impact my credit score and financial standing, I kindly ask that you address this matter promptly. Your timely attention to this issue is greatly appreciated. In accordance with the FCRA, I expect these inquiries to be removed within five days of receiving this notice. Should you fail to take prompt action, I will be forced to consider additional legal measures to safeguard my rights. I strongly urge you to act swiftly and provide written confirmation once the unauthorized inquiry has been removed. ONEMAIN FINANCIAL XXXX XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
As someone who has consistently maintained a positive payment history, I was surprised to see a late payment reported that does not align with my records. I have reviewed the account and confirmed that the payment was made on time.

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 2025-06-30 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: TN

Complaint narrative:
Ive recently received a copy or my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation