vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: NY

Complaint narrative:
I am writing to dispute the inaccurate reporting of a tradeline that appears on my credit report under Experian, XXXX XXXX XXXX. I have attached documentation supporting my position regarding this tradeline. Specifically, the account in question has been in a chargeoff status. It is my understanding, in accordance with credit reporting standards, that once an account has been charged off, only the final balance and final payment date should be reported. However, this account is currently being reported with an active credit limit and a monthly payment due, which is incorrect. A charged-off account no longer carries an open credit limit and the field for " credit limit '' should properly read as " N/A '' or be left blank. This inaccurate reporting is artificially inflating my credit utilization ratio, as the credit scoring models are mistakenly factoring in these limits against the chargeoff balances. In addition, the payment amount is also being added into my monthly debt-to-income ratio. As a result, my credit scores remain suppressed, negatively impacting my ability to secure new credit or favorable terms. In light of these errors, I am formally requesting the following : That the credit limit and payment fields for this charged-off account be immediately updated to reflect " N/A '' or be left blank, as appropriate for charged-off tradelines ; OR That the erroneous tradeline be removed entirely from my credit report if the furnishers are unable to report the information accurately. Please investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with the results of your investigation in writing.

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 2025-06-24 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 the inaccurate reporting of a tradeline that appears on my credit report under XXXX, Equifax, and XXXX. I have attached documentation supporting my position regarding this tradeline. Specifically, the account in question has been in a chargeoff status. It is my understanding, in accordance with credit reporting standards, that once an account has been charged off, only the final balance and final payment date should be reported. However, this account is currently being reported with an active credit limit and a monthly payment due, which is incorrect. A charged-off account no longer carries an open credit limit and the field for " credit limit '' should properly read as " N/A '' or be left blank. This inaccurate reporting is artificially inflating my credit utilization ratio, as the credit scoring models are mistakenly factoring in these limits against the chargeoff balances. In addition, the payment amount is also being added into my monthly debt-to-income ratio. As a result, my credit scores remain suppressed, negatively impacting my ability to secure new credit or favorable terms. In light of these errors, I am formally requesting the following : That the credit limit and payment fields for this charged-off account be immediately updated to reflect " N/A '' or be left blank, as appropriate for charged-off tradelines ; OR That the erroneous tradeline be removed entirely from my credit report if the furnishers are unable to report the information accurately. Please investigate this matter in accordance with the Fair Credit Reporting Act ( FCRA ) and provide me with the results of your investigation in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
I submitted a formal dispute to Experian XXXX Equifax regarding a collection account that is being reported by XXXX XXXX XXXX, XXXX, portfolio recovery and another portfolio recovery and XXXX XXXX. 

Experian and Equifax verified the account based solely on the debt collectors certification without requiring the collector to provide actual proof such as : A signed contract bearing my signature. 
A complete itemization of the alleged debt. 
Legal documentation proving chain of assignment to the collector. 

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ) ( A ), Experian is required to conduct a reasonable reinvestigation of disputed information. Simply accepting the debt collectors unsubstantiated certification without reviewing supporting documentation does not meet this legal standard. 

I also submitted a written validation request directly to the debt collector, who failed to provide any proper validation. I SENT THESE DOCUMENTS TO EXPERIAN AS WELL. Despite this, Experian continues to report this disputed and unvalidated account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: SC

Complaint narrative:
Subject : Illegal Reporting and Reinsertion of Aged, Inaccurate Account OneMain ( Account ending in XXXX ) Issue : Equifax is unlawfully furnishing a tradeline from XXXX XXXX that is : Over XXXX XXXX XXXX Inaccurate and misleading Previously disputed and verified without legal basis This account remains on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), XXXX XXXX standards, and constitutes ongoing willful noncompliance.

Violations Committed by Equifax 1. FCRA 605 ( a ) ( 4 ) 7-Year Obsolescence Rule The first payment date and date of delinquency on this loan occurred more than 7 years ago. According to the FCRA, derogatory data must be deleted 7 years from the Date of First Delinquency ( DOFD ). Equifax is violating this rule by continuing to report this account.

2. FCRA 623 ( a ) ( 1 ) ( A ) Furnishing Inaccurate Data The account is being reported with the remark : settled ; less than full balance and a {$0.00} balance, which is misleading. There is no remaining liability, and the remark implies derogatory status where none exists.

3. FCRA 611 ( a ) ( 5 ) ( A ) Failure to Correct After Dispute This is my second formal dispute of this account. Equifax responded with a canned response stating the item was verified, yet failed to correct the inaccurate or obsolete data or provide verification of the DOFD, settlement terms, or furnisher documentation.

4. FCRA 611 ( b ) No Supporting Documentation Returned Equifax failed to provide any underlying records from the furnisher ( XXXX ) to support the tradeline status. Without documentation, the item is legally unverifiable and must be deleted. 

XXXX. XXXX XXXX Reporting Violation The account is in violation of XXXX XXXX Credit Reporting Standards for : Aged tradelines beyond 84 months {$0.00} balance accounts being furnished with derogatory notations Misclassification of account status as settled instead of closed paid/settled 6. FCRA 1681n Willful Noncompliance Equifax is knowingly and willfully continuing to report this inaccurate, outdated account after two separate disputes exposing them to civil liability and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MI

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure XXXX XXXX : XX/XX/year>, XXXX XXXX  : XX/XX/year>, XXXX XXXX  : XX/XX/year>, XXXX : XX/XX/year>, XXXX : acct. no : XXXX, XXXX : acct. no : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/XXXX I was scammed for {$46000.00}. Reported to police dept, FBI, XXXX. Now I've gotten an atty for assistance. I can not pay my mortgage or other bills. I only get {$1300.00} from. SSI. I need help with help paying my bills. 

Thank you, 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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX  XXXX XXXX XXXX : {$0.00}, XXXX  XXXX XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX Balance : {$3100.00}, XXXX  XXXX XXXX XXXX Balance : {$670.00}, XXXX XXXX XXXX Balance : {$650.00}

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 2025-06-24 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: MS

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-24 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: FL

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

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 2025-06-24 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: NC

Complaint narrative:
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. 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 Address : XXXX XXXX  XXXX XXXX XXXX XXXX NC XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$38000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00}

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 non-monetary relief
Consumer complaint received 2025-06-24 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: 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 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
NEVER PURCHASED this item and they are ruining my credit. They are EXTREMELY RUDE when I ask then to fix this. I have many, many calls each month, including 4 today with 3 they just hung up. Including a supervisor named XXXX XXXX XXXX Accounts are issued by Comenity Bank Transaction Details Amount XX/XX/year> PROMOTIONAL PLAN FEE - {$63.00} XX/XX/year> LATE FEE {$41.00} XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX - {$3100.00} XX/XX/year> REFUND OF LATE FEES - {$30.00} XX/XX/year> LATE FEE {$30.00} XX/XX/year> PROMOTIONAL PLAN FEE {$63.00} XX/XX/year> XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Security Credit Services began reporting a collection account to the credit bureaus on or after XX/XX/year> without ever sending me the legally required debt validation notice under FDCPA 809 ( 15 U.S.C. 1692g ( a ) ). This was their first communication with me, yet I received no written notice by mail or email advising me of the debt, my right to dispute it within 30 days, or the identity of the original creditor.

This failure to notify me within 5 days of reporting to credit bureaus is a direct violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ). They reported this account without verifying or validating the debt, and without affording me my legal rights under federal law.

I have attached a signed affidavit and documentation confirming that no such notice was ever received. I am requesting that this account be removed from my credit report immediately and that the collector be held accountable for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: NC

Complaint narrative:
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. 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 NC XXXX ACCOUNTS : 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 : {$1400.00} 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 : {$0.00} XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} UNAUTHORIZED COLLECTION - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
I am requesting the description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumers, this must be provided within 15 days in order to be in compliance with FCRA guideline

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 2025-06-24 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: TX

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter. COLLECTION : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$470000.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$180.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00}.

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 non-monetary relief