vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

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

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-19 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: IA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-06-19 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: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-06-19 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Nationwide Capital Services, LLC
State: CA

Complaint narrative:
Nationwide Capital Services going by Structured Settlement keeps calling me after I requested a proof of my wet signature I signed with them. They havent sent anything and I have spoken to a few of them and they were all rude making threats especially XXXX XXXX the manager. After looking up the address they provided on their letter it is coming up as a XXXXXXXX XXXX I called to ask what their California license number is and XXXX XXXX said this is ridiculous and keeps hanging up and also yelling and making threats to calls I made each time. Very unprofessional! He is trying to yell so he can scare someone. Still dont have their license number and why they use a XXXXXXXX XXXX  address.

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 2025-06-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX pre-authorized a loan inquiry based on employment XXXX, and with no authorization changed the application to self-employment falsely, after being a client for years with employment source of income, never with self-employment, as it is in evidence for this company, on the State filing records. 

Since XXXX violates an electronically signed application and changes is unilaterally to another type of income, No authorization to a hard inquiry was based for a falsified application, therefore Experian and XXXX must remove, since they are at fault to the FCRA, DTPA, and other codes and Law applicable seriously. 

XXXX neglects by XXXX XXXX to remove the inquiry, with false representations and accepting they are at fault, due to his ignorance of all facts involved herein.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am formally disputing the accuracy, completeness, and validity of multiple accounts reporting on my credit file. I demand full compliance with the Fair Credit Reporting Act ( 15 USC 1681 ), Metro 2 compliance standards, and all applicable federal regulations.

The information you are reporting is factually inaccurate, misleading, and unverified. You are required by law to conduct a reasonable investigation, verify the accuracy of every piece of data, and permanently DELETE any unverifiable or inaccurate information. Any failure to do so within 30 days will constitute willful noncompliance. 

The following accounts are being disputed : XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX Additionally, I demand the permanent deletion of any and all outdated employers, incorrect phone numbers, and any unverified personal information you are reporting. You do not have my consent to continue reporting unverified or outdated data. 

I am fully aware of your potential violation of 15 U.S. Code 1681i for using template or form-letter responses rather than conducting individual investigations as required. Any continued failure to conduct proper investigations or attempts to bypass your legal obligations may result in immediate legal action for willful noncompliance, negligence, and potential damages.

You are hereby instructed to : Immediately verify the accuracy of every disputed account.

DELETE any account or personal information that can not be 100 % verified with documented evidence.

Cease and desist from reporting inaccurate, unverifiable, or obsolete data.

Send me a full written confirmation of your investigation results and provide a hard copy of my updated credit report.

Failure to comply may result in me taking further legal action, including formal complaints to the CFPB, FTC, and potential litigation for damages caused by your noncompliance.

I expect your full response, including your investigation findings and updated credit report, within 30 days as required by 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am formally disputing the accuracy, completeness, and validity of multiple accounts reporting on my credit file. I demand full compliance with the Fair Credit Reporting Act ( 15 USC 1681 ), Metro 2 compliance standards, and all applicable federal regulations.

The information you are reporting is factually inaccurate, misleading, and unverified. You are required by law to conduct a reasonable investigation, verify the accuracy of every piece of data, and permanently DELETE any unverifiable or inaccurate information. Any failure to do so within 30 days will constitute willful noncompliance. 

The following accounts are being disputed : XXXX  - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX XXXX  - XXXX Additionally, I demand the permanent deletion of any and all outdated employers, incorrect phone numbers, and any unverified personal information you are reporting. You do not have my consent to continue reporting unverified or outdated data. 

I am fully aware of your potential violation of 15 U.S. Code 1681i for using template or form-letter responses rather than conducting individual investigations as required. Any continued failure to conduct proper investigations or attempts to bypass your legal obligations may result in immediate legal action for willful noncompliance, negligence, and potential damages.

You are hereby instructed to : Immediately verify the accuracy of every disputed account.

DELETE any account or personal information that can not be 100 % verified with documented evidence.

Cease and desist from reporting inaccurate, unverifiable, or obsolete data.

Send me a full written confirmation of your investigation results and provide a hard copy of my updated credit report.

Failure to comply may result in me taking further legal action, including formal complaints to the CFPB, FTC, and potential litigation for damages caused by your noncompliance.

I expect your full response, including your investigation findings and updated credit report, within 30 days as required by 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 non-monetary relief
Consumer complaint received 2025-06-19 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: U.S. BANCORP
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern: Subject: Identity Theft Dispute  Fraudulent Accounts Opened Without My Consent My name is XXXX XXXX, and I am writing to formally dispute multiple accounts and inquiries that were fraudulently opened using my personal information without my knowledge or authorization. I am the victim of identity theft, and after careful review of my credit reports, I have identified several accounts that I did not authorize or open. These actions were committed by my ex-spouse, who had unauthorized access to my sensitive personal information, including my Social Security number. The following institutions have fraudulent accounts or inquiries reported under my nameXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not apply for, open, or authorize any of these accounts. These were fraudulently created without my permission. I have filed an identity theft report with the Federal Trade Commission (FTC), and I am actively working to clear my name and restore my credit. My FTC Identity Theft Report and a police report are available upon request. Despite my repeated attempts to contact these companies and the credit bureaus to resolve this matter, these fraudulent accounts continue to appear on my credit reports and negatively impact my credit score. I am respectfully requesting the immediate removal of all fraudulent accounts and associated inquiries from my credit profile. According to the Fair Credit Reporting Act (FCRA), I am entitled to dispute information on my credit report that I believe is inaccurate or incomplete. I am invoking my rights under this act to demand the immediate removal and blocking of the fraudulent accounts listed above. Please confirm in writing that these accounts have been removed and that no further collections or reporting will be associated with them. I appreciate your urgent attention to this matterXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was charged {$35.00} in fees on a XXXX XXXX credit card account issued by Comenity Bank, even though I never received the physical card, never signed any agreement, and never accessed the account. 
The charges include : Late fee : {$30.00} Paper statement fee : {$3.00} Minimum interest charge : {$2.00} I was never given my full card number, which is required to set up an online account. As a result, I was unable to register, make payments, or opt out of paper billing.

In addition, Comenity 's website and customer support system are deliberately structured to prevent customers from gaining access to their accounts without the full card number. This creates a closed loop : you need online access to stop fees, but you need the card ( which I never received ) to get online access. 
The site also displayed technical errors during multiple login attempts ( screenshot attached : Its not you! Its us ... ), further compounding the problem. 
Throughout XX/XX/year>, I attempted to contact Comenity customer service several times via phone and email, but received no response. 
Today, I am submitting both this digital complaint and a physical letter of dispute by mail. 
From my experience, Comenity Bank appears to trap consumers in a digital loop that makes it almost impossible to resolve even basic issues. The lack of access and transparency feels not just broken, but intentionally exploitative.

I believe this situation merits expert regulatory attention to determine whether an institution with such practices should continue to hold a banking license.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-19 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: OK

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-19 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a formal complaint against Experian for its refusal to provide access to my credit report. Please see detailed letter and image 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 2025-06-19 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: FL

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 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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