vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to formally lodge a complaint against Comenity Bank, which operates the XXXX Credit Card account services. 

In 2024, I was submitting payments to this company for my credit card. However, during each call to collect payment, I was never informed about any accruing late payment fees. I stopped making payments in XX/XX/year> and explicitly informed the agent that I would cease payments due to their failure to disclose these charges. 

Currently, I owe over {$1300.00} on this account, despite not having used the card in over XXXX years. Since then, I have been subjected to relentless collection callsat least XXXX times per dayfrom unknown numbers. These calls include various messages, XXXX of which even instructed me to obtain a lawyer and provide their contact information. My phone service has blocked these numbers due to the excessive frequency of these calls. 

This situation has caused significant distress, and I believe the lack of transparency regarding late fees and the aggressive collection tactics are unfair and unprofessional. I request an immediate review of my account and a resolution that includes clear communication and fair treatment. 

Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: GA

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.2

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: CA

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

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 2025-05-09 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: FL

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

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 2025-05-09 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: EdFinancial Services
State: AL

Complaint narrative:
Someone took a first time student loan out in my name, if have disputed it twice with the servicing entity. I do not even qualify for such a loan as I hold multiple degrees already. The servicing entity is no reporting the debt as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: NY

Complaint narrative:
On XX/XX/year>, I submitted a formal FCRA dispute to Equifax requesting deletion of a {$510.00} collection from XXXX XXXX XXXX ( original creditor : XXXX ), which I do not recognize and believe is not mine. I enclosed a copy of my ID and proof of address. 

XXXX tracking confirms delivery on XX/XX/year>. Equifax responded on XX/XX/XXXX claiming my identity could not be verified and demanded additional documents that were already provided. 

I sent a final warning on XX/XX/year>, notifying them that the 30-day reinvestigation period under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) had expired with no results. Equifax responded on XX/XX/XXXX falsely claiming my dispute was frivolous and that no new information had been submitteddespite the fact that I submitted identity documents and clearly stated the account was not mine. 

Equifax is in clear violation of the Fair Credit Reporting Act by failing to conduct a reasonable investigation, improperly labeling a legitimate dispute as frivolous, and refusing to correct inaccurate information. 

I request immediate removal of the account, confirmation of investigation results, and enforcement action if Equifax remains noncompliant.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: SC

Complaint narrative:
I have not supplied proof under the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I pressume 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 2025-05-09 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:
I recently reviewed my credit report, and noticed I had fraudulent accounts on my report. Please remove these accounts from my report. This is causing much hardship, and my inability to earn or obtain credit.

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 2025-05-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
This letter is in response to your XX/XX/XXXX communication regarding my continued fraud dispute on XXXX unauthorized transactions posted on XX/XX/XXXX for {$320.00} and XX/XX/XXXX for {$2700.00}, from AP * XXXX XXXX STORE. These transactions were not authorized by me and were initially reported as fraud in XX/XX/XXXX. 

Despite my repeated reassertions of this fraud claimon XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; and again through multiple formal dispute filingsBarclays has continuously failed to provide any legitimate proof of cardholder authorization. Simply citing deferred interest promotions and minimum payment activity does not establish that I approved or recognized these charges. 

These transactions were and are fraudulent : - I did not initiate or authorize the purchases from the XXXX XXXX XXXX. 
- I never received the merchandise, did not log in or check out from the XXXX platform, nor did I sign for or approve the transactions. 
- Your institution has not provided transaction authorization logs, shipping confirmation, device/IP verification, or any conclusive fraud investigation documentation. 

Failure to Comply with XXXX : Under the Fair Credit Billing Act ( 15 U.S. Code 1666 ) and Regulation Z ( 12 CFR 1026.13 ), Barclays was required to : 1. Investigate my dispute fairly and thoroughly, which must include a good faith effort to validate cardholder authorization.

2. Suspend collection efforts during an active dispute, including interest accrual.

3. Respond with supporting documentation when a claim is deniednot generalizations or procedural assertions.

Reasserting a dispute does not waive my FCBA rights. If anything, it proves I have continuously contested these charges and have not accepted your conclusions. You can not simply declare my claim final without a legally compliant investigation or providing me the results of such an inquiry. 

Action Demanded : 1. Immediately reverse the charges of {$320.00} and {$2700.00} and issue corresponding interest and fee credits. 
2. Provide all documentation Barclays used to validate these charges, including authorization records, shipping logs, billing and delivery address details, and any correspondence or evidence used to deny my claims. 
3. Cease collection activity related to these charges unless and until Barclays complies with its obligations under federal law. 

This matter remains open and active with the Consumer Financial Protection Bureau. I have also engaged legal counsel, who is currently evaluating Barclays ' repeated failure to respond in good faith and its potential violations of consumer credit laws. Please consider this your final notice before further legal escalation.

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 2025-05-09 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I seek your assistance in investigating accounts that have been wrongly reported with late payments. I carefully reviewed my credit report and found some accounts showing incorrect late payment entries. These accounts should not have any late payment remarks. Kindly remove the late notations and update the accounts as paid and positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: EdFinancial Services
State: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: TX

Complaint narrative:
I have no affiliation with these accounts and suspect them to be fraudulent. I request a comprehensive investigation and their immediate removal from my credit report. Enclosed are supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: CA

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

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 2025-05-09 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: NC

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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: FL

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

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 2025-05-09 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX. I pressume 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 2025-05-09 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: AL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-09 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: 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 explanation
Consumer complaint received 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit report contains incorrect address information that needs to be removed. I have attached supporting documents to verify my request, and I urge you to update my records accordingly. Please prioritize this matter and remove these inaccurate addresses as soon as possible.

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 2025-05-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mr. Cooper Group Inc.
State: KS

Complaint narrative:
Mr.Cooper, who identified themselves as a 3rd party debt collector, took an insurance claim check in the amount of {$5000.00} meant for repairs to the home and applied it to the mortgage without my endorsement. Ive made several attempts to remedy the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-09 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:
I am filing this complaint because TransUnion continues to report a XXXX XXXX  bankruptcy filed on XX/XX/year>, on my credit report, despite multiple disputes I have submitted over the past several months. Both XXXX XXXX XXXX  have already removed this bankruptcy from my credit file after their investigations, and I have confirmed directly with the bankruptcy court that they do not report or verify any information to credit bureaus. TransUnion has claimed this record is verified, yet has never once provided a method of verification, supporting documentation, or identified the source used to tie this record to my identity. The public court record in question does not contain full personal identifiers such as my full Social Security number or date of birth due to federal redaction rules, which means TransUnion can not definitively link it to me. TransUnions continued reporting of this unverifiable record is causing harm to my credit and is a clear violation of the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i and 1681e ( b ), which require them to ensure maximum possible accuracy and to delete any item that can not be verified. After repeated requests, they have failed to provide a method of verification or identify the furnisher of this record, and they are now the only bureau continuing to report this inaccurate and unsubstantiated bankruptcy. I am attaching my final dispute letter sent to TransUnion, which outlines the history of this dispute and clearly demands deletion or full verification. I am requesting that the CFPB step in to hold TransUnion accountable for failing to comply with federal consumer protection laws and resolve this matter appropriately.

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 2025-05-09 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-05-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief