vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I did not have an account or contract with Credit collection services. They need to remove this account. I do not have an account with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked immediately. Enclosed is a copy of my Police Report and FTC Identity Theft Report ( FTC Report Number : XXXX ) to support my identity theft claim. 
Under 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and should be blocked : Fraudulent Accounts to Be Removed : 1. ACCOUNT DETAILS : Account Name : XXXX XXXX  Account Number : XXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Opened : XX/XX/XXXX XXXX. ACCOUNT DETAILS : Account Name : XXXX AUTO Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Opened : XX/XX/XXXX Fraudulent Inquiries to Be Removed : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX As required by law, this fraudulent information should be blocked for at least one year, after which I may request an extension of the block. During this time, you may not report this information on my credit file or indicate that my report contains any fraudulent data.

I have contacted the Experian, on several occasions to report these fraudulent accounts, yet I have not received any resolution. This situation is seriously affecting my ability to qualify for a new home for my children. These same accounts were deleted and not verified by other credit bureaus, which raises serious questions about their legitimacy.

I have also requested verification and contract documentation from the companies reporting these accounts, and more than 60 days have passed without any response. Therefore, I am requesting immediate action. 
Enclosed is my FTC Identity Theft Report. I respectfully request that you make a fair and just decision regarding my situation. 
Sincerely, 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 explanation
Consumer complaint received 2025-06-22 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: OH

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 non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
I signed up for a the Bread Cashback card after receiving a targeted mailer with the promise of a {$200.00} sing up bonus if I spent {$1000.00} in the first XXXX months. I met the requirements but they would give a different reason each time I called about why I didn't get the bonus. Finally the last call stating I didn't " enroll '' in program that would have led me to qualify for the sign up bonus despite recieving a pre approved offer for the card and bonus. I activated the card on XX/XX/XXXX after receiving the mailer on XX/XX/XXXX. I met the spend requirements in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information : ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: GA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened up some fraudulent accounts. I have never gave anyone permission or authorization to use my personal information

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 2025-06-22 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: GA

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and opened up some fraudulent accounts. I have never gave anyone permission or authorization to use my personal information

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 2025-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My name is XXXX XXXX, XXXX XX/XX/XXXX, XXXX ending in XXXX. On XX/XX/XXXX, I formally disputed an inaccurate and inconsistent XXXX collection account reported by XXXXXXXX XXXXt with account number # XXXX, originally from XXXX XXXX XXXX XXXX XXXX. This account is reported across TransUnion, Equifax, and Experian with multiple discrepancies, including conflicting account statuses ( open vs. charged-off ), inconsistent dates of last activity ( XX/XX/XXXX vs. XX/XX/XXXX ), differing creditor names, and missing or blank fields such as payment history and term/source type. 

These discrepancies render the account unverifiable under the Fair Credit Reporting Act ( FCRA ), which requires maximum possible accuracy under 15 U.S.C. 1681e ( b ) and a reasonable reinvestigation within 30 days under 15 U.S.C. 1681i. It is now XX/XX/XXXX over 30 days since my dispute and I have not received any response or verification from the credit bureaus. 

Under the FCRA, if the information can not be verified within the XXXX period, it must be deleted from my credit reports. Therefore, I am requesting the immediate deletion of this account from my credit files with all three credit reporting agencies. If the account is verified as accurate, I request a full XXXX of XXXX ( MOV ) including the name and contact of the entity that verified it and a detailed description of the verification process. 

Enclosed with my original dispute were copies of my government-issued ID, proof of address, and my credit reports highlighting the disputed account. I expect a written response as required by federal law. 

Requested Resolution : Immediate deletion of the XXXX XXXX XXXX collection account ( # XXXX ) from my credit reports due to failure to verify within the XXXX timeframe mandated by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 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: SC

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my XXXX, EXPERIAN, and XXXX  Credit Report. My latest credit report shows 27 credit inquiries that I did not authorize. I am writing to dispute the following inquiry and asking for their removal from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

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 2025-06-22 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: SC

Complaint narrative:
To whom this may concern, I am writing to request unauthorized credit inquiries on my XXXX XXXX, and EQUIFAX Credit Report. My latest credit report shows 27 credit inquiries that I did not authorize. I am writing to dispute the following inquiry and asking for their removal from my credit report. 

TRANSUNION INQUIRY ACCOUNT NAME : XXXX  XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX FIN DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : TAB XXXX XXXX XXXX XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX XXXX  INQUIRY ACCOUNT NAME XXXX XXXX XXXX XXXX DATE XXXX XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX & DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME XXXX XXXX XXXX : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX NA DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX DATE : XX/XX/XXXX EQUIFAX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX DATE : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXX   DATE : XX/XX/XXXX XXXX ACCOUNT XXXX : XXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX XXXX ACCOUNT XXXX : XXXX XXXX  DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX  XXXX DATE : XX/XX/XXXX INQUIRY ACCOUNT NAME : XXXX XXXX XXXX DATE : XX/XX/XXXX Please have this inquiry removed from my credit report, please update me with a full report on your finding within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Using your ad for XXXX XXXX I applied. My credit score was immediately affected whe GS inquiries with a hard inquiry not a soft which you are still advertising. I do not want this card and return the points to my score

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 2025-06-22 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: NY

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 XXXX XXXX XXXX XXXX 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 2025-06-22 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: GA

Complaint narrative:
I am filing this identity theft dispute under the Fair Credit Reporting Act ( FCRA ), specifically invoking my rights under 15 U.S. Code 1681c-2, also known as Section 605B. My FTC Identity Theft Report reference number is XXXX. I am a victim of identity theft, and several credit accounts have been fraudulently opened in my name without my knowledge or authorization. These include accounts from XXXX XXXX XXXX ending in XXXX with a balance of {$1000.00}, XXXX XXXX XXXX ending in XXXX with a balance of {$1000.00}, XXXX XXXX XXXX Bank ending in XXXX with a balance of {$1200.00}, and XXXX XXXX ending in XXXX with a balance of {$1400.00}. I did not apply for or authorize any of these accounts, and I believe they were opened using my stolen identity. I believe my personal data may have been exposed during the Equifax data breach, which increases the likelihood that the fraudulent accounts in question were opened without my authorization. This further supports my identity theft claim under FCRA 1681c-2 and warrants permanent deletion of the affected tradelines. I have previously disputed these accounts with the credit bureaus, yet they remain on my report or continue to be verified without valid supporting documentation. Under FCRA 1681c-2 ( c ), the credit reporting agencies are legally required to block and remove any fraudulent information within XXXX business days of receiving a valid government-issued ID, proof of address, an identity theft report, and a written statement identifying the fraudulent accounts. I am providing all required documents with this submission. I request the immediate and permanent removal of all fraudulent accounts identified in this dispute. This request is made in good faith and supported by federal law. Failure to comply may constitute willful noncompliance under FCRA 1681n and 1681o, and I reserve all rights to pursue legal remedies if necessary.

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 2025-06-22 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a text from B of A asking if I attempted to add my card ending in XXXX to XXXX XXXX, I responded NO. The responded with, we canceled a request to add you card. Shortly after, I received another text asking the same thing. A few minutes later a separate text came through stating CC ending in XXXX was used at XXXX for {$3200.00}. Did I or XXXX ( my husband ) authorize this. I immediately responded with NO. I received a response stating my card ending in XXXX was restricted and to file a claim. I noticed the amount did hit my account. I called B of A number on the back of my card to file a claim. They advised I couldnt file while the charge was pending. During these text, I also logged into my account to lock it. The claim was denied on XX/XX/XXXX, I appealed and that was also denied on XX/XX/XXXX. On XX/XX/XXXX, I appealed for a XXXX time and this was denied on XX/XX/XXXX. Each time, the reason stated is that I validated the charge after I filed the claim. I have asked for the documentation and each time, they just reopened the claim only to get denied over and over. I NEVER validated/authorized this charge. After pulling the alert history on my account, its clear my account was hacked. I believe XXXX is a loan company out of XXXX, XXXX. I have plenty of available credit on serval accounts ( including BofA ) and cash in a bank. I dont need a loan. Ive been with BofA for over 25 years, I have excellent credit and this charge is absolutely fraudulent. 
CLaim # 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 monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
Netcredit calls my cell phone from multiple numbers all day long. It can be anywhere from XXXX times per day. Ive received calls before XXXX XXXX 
Netcredit is a predatory, harassing, inhumane company. I feel abused and violated by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-22 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: 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 XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ava Finance, Inc
State: IL

Complaint narrative:
So im victim of identity theft an account Ava was created approximtly in XXXX but it was also closed in XXXX. it show that it was charged off of my credit, it is now XXXX and I see I have late payments and it reopened by its self and I didn't authorize this account and its hurting my credit because of late payments

Company response to consumer: Closed with explanation