vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am filing this follow-up complaint because Committee Bank mishandled my fraud claim, failed to properly validate fraudulent accounts, and mailed my sensitive documents to a fraudulent address. 

Background : I disputed XXXX fraudulent accounts in my name : XXXX XXXX XXXX XXXX Victorias Secret Credit Card I requested full documentation, including original signed applications, transaction logs, and fraud investigation records. 

Committee Banks Response : They stated their fraud investigation found no basis but only provided billing statements and a credit card agreement. 
They admitted that the address they have on file for these accounts does not match the address listed in my complaint. 
Despite this clear red flag of identity theft, they treated both accounts as valid. 
They mailed the requested documentation packet to the fraudulent address on file, not my verified address, exposing my personal information further. 

Why This is Insufficient and Harmful : If the address on file is not mine, that alone is evidence the XXXX XXXX and Victorias Secret accounts were fraudulently opened. Committee Bank ignored this fact. 
Billing statements sent to a fraudulent address do not prove my liability under FCRA 609 or FDCPA 809 ( b ). 
Mailing my information to a fraudulent address put my sensitive data into the hands of the identity thief, violating federal obligations to safeguard consumer data. 
Their actions raise serious concerns about whether they conducted any meaningful investigation. 

Relief Requested : I request that the CFPB require Committee Bank to : 1. Acknowledge that the use of an address not belonging to me is evidence of fraud on the XXXX XXXX and Victorias Secret accounts. 
2. Provide full fraud investigation records, including signed applications and transaction data, to my correct verified address.

3. Immediately cease reporting these fraudulent accounts to the credit bureaus. 
4. Permanently remove the XXXX XXXX and Victorias Secret accounts from my credit file if they can not produce verifiable proof that I opened them. 
5. Investigate and explain why my documents were mailed to a fraudulent address and what safeguards are in place to prevent further breaches. 

Conclusion : Committee Bank admitted the address on file does not match mine yet still held me responsible for the XXXX XXXX and Victorias Secret accounts. By mailing sensitive records to a fraudulent address, they worsened the identity theft. Their response is inadequate, harmful, and fails to comply with federal consumer protection and data privacy laws. I request the CFPBs urgent intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am filing this follow-up complaint because XXXX XXXX  mishandled my fraud claim, failed to properly validate fraudulent accounts, and mailed my sensitive documents to a fraudulent address. 

Background : I disputed two fraudulent accounts in my name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I requested full documentation, including original signed applications, transaction logs, and fraud investigation records. 

XXXX XXXX  Response : They stated their fraud investigation found no basis but only provided billing statements and a credit card agreement. 
They admitted that the address they have on file for these accounts does not match the address listed in my complaint. 
Despite this clear red flag of identity theft, they treated both accounts as valid. 
They mailed the requested documentation packet to the fraudulent address on file, not my verified address, exposing my personal information further. 

Why This is Insufficient and Harmful : If the address on file is not mine, that alone is evidence the XXXX XXXX and XXXX XXXX accounts were fraudulently opened. XXXX XXXX  ignored this fact. 
Billing statements sent to a fraudulent address do not prove my liability under FCRA 609 or FDCPA 809 ( b ). 
Mailing my information to a fraudulent address put my sensitive data into the hands of the identity thief, violating federal obligations to safeguard consumer data. 
Their actions raise serious concerns about whether they conducted any meaningful investigation. 

Relief Requested : I request that the CFPB require XXXX XXXX to : 1. Acknowledge that the use of an address not belonging to me is evidence of fraud on the XXXX XXXX and XXXX XXXX accounts. 
2. Provide full fraud investigation records, including signed applications and transaction data, to my correct verified address.

3. Immediately cease reporting these fraudulent accounts to the credit bureaus. 
4. Permanently remove the XXXX XXXX and XXXX XXXX accounts from my credit file if they can not produce verifiable proof that I opened them. 
5. Investigate and explain why my documents were mailed to a fraudulent address and what safeguards are in place to prevent further breaches. 

Conclusion : XXXX XXXX  admitted the address on file does not match mine yet still held me responsible for the XXXX XXXX and XXXX XXXX accounts. By mailing sensitive records to a fraudulent address, they worsened the identity theft. Their response is inadequate, harmful, and fails to comply with federal consumer protection and data privacy laws. I request the CFPBs urgent intervention.

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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
The Fair Credit Reporting Act requires that any information that can not be verified must be removed. Different days there was disputes to multiple unfamiliar accounts and never received verifiable information/documents

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AL

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 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I requested that my bank mail out my rent check on XX/XX/XXXX and they immediately withdrew the funds to cover the check but never processed or mailed it. On XX/XX/XXXX, I realized their negligence and requested the funds to be returned to my account so I could go to the post office and purchase a money order. The agent said XXXX to XXXX business days. It is now XXXX business days and I still have not received the funds. One agent now says XXXX to XXXX business days and another says XX/XX/XXXX. I am tired of getting the runaround. They took my money and will not give it back and I am facing eviction. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: AZ

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I recently recently reviewed my consumer credit reports and noticed I had fraudulent accounts on my report. Please remove these fraudulent accounts, for they are hurting my ability to obtain credit. Accounts : XX/XX/XXXX, Chapter XXXX Bankruptcy, XXXX BANK XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX, CRB XX/XX/XXXX, XXXX XXXX non known date

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 2025-09-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This account is reporting inaccurately. Please verify full compliance with FCRA 611 and Metro 2 standards. If not verifiable, delete immediately. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

Tell me when you think the Statue of limitations expires for this debt, and how you determined that. If there have been any additional interest fees, or charges added since the last billing statement. Provide and itemization showing the date and amount of each added amount. Please explain how these charges creating the debt, expressly authorized by the consumer agreement or are permitted by law. If there have been any payment or other reductions such a s XXXX  coverage refund since the last billing statement? Provide an itemization showing the dated and amount of each of them and how those reductions or payments were accrued in your firms procedure. Please provide a copy of the Notice Repossession sent to me and of the document delivery. 
Please provide copies of the legal notices and proof of the commercially reasonable of the resale of the subject Please describe your credit Bureau Reporting system and the credit reporting mechanism your firm utilizes regarding Metro-2 Compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. 
Please describe how your firm ensures comprehensive accuracy and input of all consumer data consistency or breaches in information transmission quality reported to under your firm 's CRB agreement with any Credit Reporting Agency Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this is account is very high therefore. 
WHAT YOU NEED TO KNOW I believe that your firms violated 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 2025-09-24 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This account is reporting inaccurately. Please verify full compliance with FCRA 611 and Metro 2 standards. If not verifiable, delete immediately. 

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. 

Tell me when you think the Statue of limitations expires for this debt, and how you determined that. If there have been any additional interest fees, or charges added since the last billing statement. Provide and itemization showing the date and amount of each added amount. Please explain how these charges creating the debt, expressly authorized by the consumer agreement or are permitted by law. If there have been any payment or other reductions such a s XXXX coverage refund since the last billing statement? Provide an itemization showing the dated and amount of each of them and how those reductions or payments were accrued in your firms procedure. Please provide a copy of the Notice Repossession sent to me and of the document delivery. 
Please provide copies of the legal notices and proof of the commercially reasonable of the resale of the subject Please describe your credit Bureau Reporting system and the credit reporting mechanism your firm utilizes regarding Metro-2 Compliance between your firm and your contracted reporting entity ( CRA ). Include a comprehensive explanation of the process and description of who handles the data entry, how that information is transmitted and whether the data entry function is outsourced. 
Please describe how your firm ensures comprehensive accuracy and input of all consumer data consistency or breaches in information transmission quality reported to under your firm 's CRB agreement with any Credit Reporting Agency Based upon information provided by at least one credit reporting agency, the probability of an end trace error in your report concerning the delinquency on this is account is very high therefore. 
WHAT YOU NEED TO KNOW I believe that your firms violated 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 2025-09-24 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: MI

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

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 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I previously dispute wrong items on my credit report, i was sent a letter stating this debt belongs to me .., which this debt is due to identity theft.and some have been charged off so i should not be held accountable, If you look at my previous disputes all the information is on my profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: NC

Complaint narrative:
I am writing to notify you that you are reporting inaccurate and incomplete information in my credit report, as identified below. I demand an immediate investigation to resolve these inaccuracies. If you are unable to verify the information, you must delete it from my credit report.

CREDIT INQUIRIES I did not authorize anyone employed by the companies listed below to make inquiries or view my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 1681b ( c ) and a serious breach of my privacy rights.

Please validate this information with the companies in question and provide me with copies of any documentation associated with these accounts bearing my signature authorizing such inquiries. In the absence of such documentation, I formally request that these fraudulent inquiries be immediately deleted from the credit file maintained under my Social Security number. The FCRA states that the only permissible purposes for accessing a consumers credit report are : a firm offer of credit, insurance, court order, or employment. I am unaware of the inquiries listed
below, I never authorized them, and I demand their removal from my credit report.

INACCURATE INFORMATION According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through physical verification of the original signed consumer contract, any and all accounts that you report. Otherwise, fraudulent accounts could be reported without consumer consent.

I demand verifiable proof of the accounts listed below ( original consumer contracts with my signature ). Your failure to positively verify these accounts has harmed my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed. If you are unable to provide verifiable
proof, you must delete these accounts immediately.

The following accounts must be verified or removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEGAL NOTICE Please be advised that any and all letters you receive bearing my name have either been prepared by me or by my advisors on my behalf, with my full knowledge and consent. Also, be advised that I am aware that no statute in the FCRA requires a Power of Attorney to be provided, nor does the absence of such documentation permit you to delay processing consumer disputes.

Company response to consumer: Closed with non-monetary relief