vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: FL

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is XXXX XXXX correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-02 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: TX

Complaint narrative:
I am submitting this complaint against Experian because they have failed to properly investigate and correct inaccurate, unverifiable, and damaging information on my credit report. 

Despite submitting a formal written dispute via certified mailincluding a full list of disputed accounts, unauthorized hard inquiries, and supporting identification documentsI have not received a proper investigation or deletion as required under the Fair Credit Reporting Act ( FCRA XXXX ). 

This includes, but is not limited to : A repossession account with XXXX XXXX Charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX accounts with XXXX XXXX, XXXX XXXX, and XXXX XXXX Over XXXX hard inquiries that were not authorized These inaccuracies are severely damaging my ability to secure housing, transportation, and credit. I am requesting immediate resolution under federal 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 2025-06-02 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I went to purchase items from XXXX. At the check out the representative asked if I wanted to apply for a credit card and I said no. She then asked again and said I could get a percentage off my order plus get a free mascara. I was like ummm no I dont need the card. The representative was so persistent with getting me to say yes. It got kind of weird because I felt like I couldnt say no. I felt I had to say yes. I applied for the card but once I got to my car I called my mother because this transaction didnt feel right to me. I felt like I did something that I didnt want to do because I couldnt tell someone that was aggressively selling me something no to her face because she wasnt taking no for an answer. My mom called the store and the XXXX told her that they are trained to rebuttal XXXX times when you say no you dont want the card. Thats insane! This was an aggressive sales tactic and that should not be tolerated. Im XXXX XXXX XXXX and I know I didnt need or want the card. I do not shop at XXXX enough to have a credit card. I want this card closed and the inquiry removed from my credit report due to being pressured by the representative with her aggressive sales tactic. The XXXX even confirmed that they have to rebuttal your no XXXX times. What kind of business are they running. The bank is Comenity bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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:
Specifically, Experian and Transunion are reporting a XXXX XXXX  credit card account as charged-off with a balance of {$6500.00} and past-due status beginning in XX/XX/XXXX. This account does not belong to me and is being reported under an account number that is different from my actual XXXX XXXX  credit card account. 
Here are the facts : I opened a single XXXX XXXX  credit card on XX/XX/XXXX, with account number ending in XXXX. 
My initial credit limit was {$1000.00}, which was increased to {$2000.00} in XX/XX/XXXX, after fulfilling the on-time payment requirement. 
In XX/XX/XXXX, fraudulent activity occurred on my card in the amount of {$2700.00}. I reported this immediately to XXXX XXXX, and they blocked my card. 
On XX/XX/XXXX, XXXX XXXX  sent me a letter stating that the {$2700.00} charge was deemed fraudulent and permanently credited back to my account. This should have resolved the matter entirely. 
However, beginning in XX/XX/XXXX, a separate account ( with a different number from mine ) began reporting on my credit file with a balance of {$6500.00}, marked as 30 days late and subsequently charged off. 
I have confirmed with XXXX XXXX  directly that the account being reported by Experian is not my account. This appears to be a case of file merging or misattributed account data. 
Please remove this erroneous account from my credit report immediately, and ensure it does not appear again. I have attached the following supporting documentation : 1. Statement from XX/XX/XXXX showing my legitimate XXXX XXXX  account ending in XXXX XXXX. XX/XX/XXXX letter from XXXX XXXX  confirming resolution of the fraud claim 3. Copy of my ID and proof of 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 2025-06-02 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: AK

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-02 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: FL

Complaint narrative:
In XXXX, XXXX XXXX experienced a data breach that exposed the personal and financial information of over XXXX XXXX borrowers. I was never notified by XXXX that my data was compromised, nor did I provide informed consent for the continued use or reporting of my loan information after the breach. 

Despite multiple attempts to obtain verification and a clear explanation of how my data was affected, XXXX has not responded or provided documentation. I recently disputed this account with the credit bureaus, citing XXXX violations and attached the official court complaint ( XXXX XXXX XXXX XXXX XXXX ). 

Given the unresolved privacy issues and lack of transparency, I am requesting the CFPB require XXXX to validate the accuracy and legal basis of this accounts reportingor remove it entirely if verification can not be completed.

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 2025-06-02 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against Experian. The CFPB lawsuit alleges that Experian has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced.

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 2025-06-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within five business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action. 


Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. 
Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my 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 non-monetary relief
Consumer complaint received 2025-06-02 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:
letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section XXXX of the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX IL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: MI

Complaint narrative:
I am a victim of identity theft and unauthorized reporting. I submitted a formal dispute with full supporting documentation to [ XXXXTransUnion ] including : FTC Identity Theft Report XXXX # XXXX ) Notarized affidavit Fraudulent itemized list Proof of identity Despite the evidence and protections under FCRA XXXX [ XXXX XXXX XXXX ], this bureau failed to block or delete the clearly fraudulent and unverifiable information within the mandated XXXX business days. 

Additionally, per FCRA XXXX ( a ) ( XXXX ), furnishers were required to cease reporting blocked data. Under FCRA XXXX ( f ), no entity may sell or collect debt caused by identity theft once notified. This bureau has failed to comply with all these protections. 

I further cite the FTC Opinion Letters to XXXX XXXX XXXXXXXX ( XXXX ), which confirm that failing to provide verifiable documentation and continuing to report re-aged or unverifiable data violates federal law. 

Furthermore, due to the recent data breaches, my personal data has likely been compromised : TransUnion XXXX XXXX breach exposed SSNs, full names, and licensesdata used to fraudulently open or verify accounts. 
XXXX  XXXX XXXX data mishandling included personal financial details. 
XXXX  XXXX XXXX leak and XXXX authentication flaw exposed reports via unsecured URLs. 
These security failures make any derogatory data inherently unreliable, and this bureau has failed to meet its legal obligation to assure maximum possible accuracy under XXXX XXXX. XXXX ( b ). 

I request immediate removal of all disputed derogatory items listed in my previous correspondence, proper notice to furnishers, and compliance with the full reinvestigation and blocking requirements under federal 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 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XX/XX/year>, I was at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Among other mishaps, I lost my wallet where I carried my driver 's license, my social security card, and my debit card. I immediately called the bank and blocked the card and made an appointment to get my driver 's license again, and everything went back to normal. About a month ago, I started receiving letters that I don't recognize and proceeded to review my credit information, in which I could see that there are countless account numbers and reports that I don't recognize. This makes it clear that it is an identity theft due to the loss of my personal 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 non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
MY wages are garnished for my XXXX XXXX XXXX XXXX XXXX XXXX, I was his guardian for a short time to get him into XXXX XXXX XXXX  before he had passed now they garnished my wages for his medical bills. This company is Ingenuity Rm from XXXX, ND will not respond back to me. The few phones call I had with them was not pleasant they just said I have to pay, and never showed me where I signed stating I would cover his medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-02 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:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00}

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 2025-06-02 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: TX

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$840.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$660.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: KY

Complaint narrative:
This is a rebuttal to American Express XXXX XXXX card response to claim. My spouse who opened the account, told them verbally on the phone once I was notified of them obtaining my SSN, she did not give them my Social Security number during the initial application or afterward. American express check their records and it did not show the SSN was obtain at the initial application. American Express is fabricating their response to my complaint. Please provide the initial application showing where my wife gave you my SSN. At application, I was told by the customer service representative, the only thing was required was the Date of birth and the SSN must be giving within 60 days. This is policy so why lie on your policy. Please provide that also and not the letter. I am not the owner of this account so by law you are not prohibited to annotate anything on my credit without my authorization. My SSN was obtained illegally and I will seek legal counsel as this is bad business and please remove my information from my credit. Provide Proof and please provide the phone call inquires of every time I called on this situation. CFPB please investigate as the response is not a valid truth

Company response to consumer: Closed with explanation