vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian has old chargers on my credit report then when I dispute it, it gies on my credit report all over again like it new. My credit score dropped XXXX points in a couple months and Ive paid down a bunch of things. Also I am in deferment from my student loans because I have XXXX XXXX in college receiving parent plus loans and experian just added student loans as a major derogatory!

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 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DPEDNXXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX  BANKRUPTCY - Account Number : 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 Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: LEXISNEXIS
State: GA

Complaint narrative:
You keep on saying that you verified that the Bankruptcy is mine. I need to see the docs that serves as proof that it was mine. Otherwise, you should remove it immediately! I do not have any idea regarding this bankruptcy. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
Ive been disputing a debt with Hunter Warfield since XXXX XX/XX/XXXX and opened up a newer dispute in XX/XX/XXXX due to invalid amount of charges. I have repeatedly asked for documentation/justification/invoices/picture to validation as required under the FDCPA and California Civil Code 1950.5. Instead, Ive been met with hostility, lack of throughput, blaming me that I didnt get the email ( which I have never still have not received from Hunter Warfield ) and repeated settlement offers. They refuse to email ( I requested to send while on the phone since prior emails have not been received ) or mail documentation with delivery confirmation, and despite multiple requests, they have not validated the debt. Its now been over six months, and they continue collection efforts while ignoring my legal rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 Address : 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 XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXpened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX * * * * * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$870.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4200.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$670.00} XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$600.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} INQUIRIES : XXXX  Date : XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-07-09 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:
I am submitting this complaint due to serious inaccuracies and harmful reporting practices on my credit file that have led to financial, emotional, and personal XXXX. The listed credit reporting agencies have violated multiple provisions of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other relevant consumer protection laws. These accounts and addresses were reported inaccurately, without proper verification, and have continued to impact my credit unfairly. Below is a detailed breakdown of each issue : Account : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$2000.00} * * Issue : This account is inaccurately reported as charged-off and has not been properly validated Law : FCRA 611, 623 ( a ) ( 1 ) ( A ), FDCPA 807 ( 8 ) furnishers must report complete and accurate data Story : I was never properly notified regarding the charge-off, and the reported balance is in dispute. I request a full reinvestigation with proper documentation including original signed contract and detailed payment history. If validation can not be provided, this account must be deleted Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance Owed : {$23000.00} * * Issue : This charge-off appears to be reported with inaccurate balance and incorrect status Law : FCRA 602, 607 ( b ), and 623 ( a ) ( 1 ) requires accurate, verified, and substantiated account data Story : I never defaulted on this account, and the current reporting does not reflect any payment history or correspondence from the creditor. This reporting may be causing me unjust harm. Please provide evidence of the charge-off with contract and billing details or remove this entry REQUEST FOR RELIEF I respectfully request that the Consumer Financial Protection Bureau fully investigate these matters. I request the removal of all the above incorrect addresses and inaccurate account entries from my credit file. The reporting agencies and creditors have repeatedly failed to meet their legal obligations under the FCRA and FDCPA. These entries have caused me financial harm, mental distress, and reputational damage.

Thank you for your attention to this matter.

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 2025-07-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Millco Management
State: NC

Complaint narrative:
A collection amount was turned over to Amerifinancial Solutions the amount of {$920.00} from XXXX XXXX XXXX XXXX XXXX  for services in 2022. Shortly after services rendered in 2022 I was approved for XXXX XXXX through XXXX XXXX Assistance Program that for all patients approved covers retroactively all patient balances prior to the approved XXXX XXXX XXXX. This information has been emailed to them multiple times including the complete XXXX XXXX Assistance System Policy documents. Amerifinancial Solutions will not process this through the XXXX XXXX XXXX Pogram to recieve payment and settle the debt. Amerifinancial Soultions is very nasty and aggresive on every phone call regardless if I called them or they called me. Please see attached XXXX XXXX Assitance System Policy and XXXX XXXX Assitance Award letter

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am attaching a copy of my Identity Theft Report issued by the FTC ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
According to 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as a result of such theft within four ( 4 ) business days. 
The following information on my credit report is the result of identity theft and must be blocked : NAME / ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately blocked from my credit report. This block should remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted [ insert name of credit agency ] multiple times to report these accounts, but I have not received a clear or definitive resolution to help me resolve this situation. This situation is severely affecting me as I am trying to purchase a new home for my children and obtain financial tools to support my economic growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. 
These accounts have already been removed and were not verified by other credit agencies, so I do not understand why this agency continues to assert that these accounts belong to me.

I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received any response. I respectfully request your assistance in removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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:
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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXXXXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} XXXX XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$320.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$730.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$180.00} XXXX  XXXX BANKRUPTCY - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC

Complaint narrative:
XX/XX/XXXX2025 XXXX  XXXX attempted to use my debit card at XXXX store # XXXX in XXXX XXXX FL. Attempt failed. contacted USAA. They told me what happened and I let them know that it was not me. He came back on XX/XX/XXXX2025 and was able to use my debit card, charging {$330.00} for a partial payment to purchase a XXXX XXXX. I received an alert and immediately called USAA again. This time they canceled my card. I called the store that it was purchased at to let them know that my card was used there. The clerk was helpful in providing me the name and address of the person. I have never seen, spoke to or know of XXXX XXXX. His address is XXXX XXXX XXXX XXXX, XXXX XXXX, FLA XXXX. I am not in Florida nor have Ive been there in the last year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Enterprise Systems, Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX Date : XX/XX/year> National XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Re : Demand for Debt Validation under 15 U.S.C. 1692g and FCRA Rights Reference Numbers : XXXX and XXXX Accounts : # XXXX {$520.00} | # XXXX {$510.00} To Whom It May Concern : This letter serves as a formal dispute and request for full validation of two debts you allege I owe. These accounts are being reported or collected without the legally required documentation, which violates my rights under federal consumer protection laws. I am demanding immediate validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and I also invoke my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 
The accounts in question are : Account Number : XXXX {$520.00} Reference Number : XXXX Account Number : XXXX {$510.00} Reference Number : XXXX Under the FDCPA, you are required to provide : The name and address of the original creditor ; A full itemization of the alleged debt ; Proof of your authorization to collect on behalf of the creditor or proof of purchase ; A signed contract or agreement bearing my signature as evidence of liability. 


I dispute both accounts in their entirety. Until you provide the documentation listed above, you must cease all collection activity and must not report or must immediately remove any negative information from any credit reporting agency in accordance with the FCRA, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which prohibits the reporting of inaccurate or unverified data.

If you continue collection efforts without complying with this validation request, you will be in violation of 15 U.S.C. 1692e ( false or misleading representations ) and 1692f ( unfair practices ), and I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

Please respond to this dispute and validation request within 30 days of receipt. If you can not verify the debt, you must delete it from all records and notify any credit bureau to which it was reported. 
Sincerely, 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 2025-07-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I have twice sent a check into them to pay this amount. They just tell me sometimes it takes 3 weeks for them to post the payment. So I waited and check never cleared so I called and they told me to send another payment or set up easy pay. I set up easy pay on XX/XX/year>2025 and still they kept telling me my bill was not paid. So I sent another check on XX/XX/XXXX and they have not posted or cashed it yet. Six hours ago I went through the easy pay system and still nothing shows and it has not cleared the bank. 

these are the rudest people i think I have ever dealt with. having spoken to four reps and supervisors today and none of they let you talk they just talk over you and when you tell them not to do that they just talk over you more until your frustrated beyond belief. I hope this get paid this time or they can take me to court as I am done with them and as soon as this is resolved I will be cancelling this card. I have spoken to the store and they tell me they can only see if someone from comenity.net/sephoravisa will call I have screen shots of me going to this web site and it doesnt work and they you call again and they send a link to another site which is the easy pay system. 

It is my contention that they only want to collect interest and late fees and to harass you. I keep geting emails and they are never open on the day they send them except for today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-09 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:
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 Address : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$60.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$170.00} INQUIRIES : XXXX XXXX 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