vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
In XX/XX/year>, I made a payment of {$150.00} to cover my Comenity BankXXXX XXXX account balance, including a prior balance of {$130.00} and a {$20.00} purchase. Despite paying the full amount early, Comenitys flawed payment systemwhich required manual bank entryled to a typographical error in my account number. I promptly contacted Comenity before the payment due date to provide corrected information, but their representatives refused to accept the correction, stating the payment had to fail before a new payment could be processed.

Following this, Comenity issued multiple statements riddled with errors, including unwarranted fees, adjustments, and inconsistent balances, causing confusion and misreporting. Despite numerous calls to Comenity, the account was not accurately reconciled until XX/XX/year>, when they finally corrected the balance and refunded all erroneous charges. I immediately paid the corrected amount of {$150.00}, and this payment was accepted. 

However, Comenity continued to issue statements showing a false {$4.00} balance, with no valid explanation. I worked with them to correct this final issue and close the account. Despite my full payment and reconciliation efforts, Comenity falsely reported this account as XXXX  days late in XXXX XXXX, XXXX  days late in XX/XX/year>, and XXXX  days late in XX/XX/year> to both XXXX  and XXXX. These false delinquencies have significantly harmed my credit. 

I have obtained credit reports showing that XXXX  and XXXX  reflect the false late payments, while XXXX  correctly shows the account as paid on time and closed. My billing statements from Comenity confirm the payment history and errors. 

I request the CFPBs assistance in correcting this false reporting and ensuring the account is accurately updated across all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: IA

Complaint narrative:
To whom it may concern, I am formally contesting any inaccurate or undocumented information found in my credit report. This includes unverified claims, which I challenge under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and inquiries lack factual proof, and it is inappropriate to report claims known or should be known to be unlawful.

I hereby notify you to ensure the accuracy of all your claims, as mandated by the Metro 2 reporting standard. I kindly request verifiable physical evidence to substantiate the account 's existence and permissible usage. Should this evidence be lacking, I expect the removal of said

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: MS

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

I looked at my XXXX, XXXX  XXXX TransUnion credit report on XX/XX/year> 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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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.

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 2025-06-03 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: GA

Complaint narrative:
Specifically, I am challenging inquiries made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple dates between XX/XX/XXXX and XX/XX/XXXX * XXXX. XXXX XXXX XXXX numerous dates through XX/XX/XXXX * XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - between XX/XX/XXXX to XX/XX/XXXX * XXXXXXXX XXXX XXXX several enquiries between XX/XX/XXXX to XX/XX/XXXXXXXX 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Specifically, I am challenging inquiries made by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX multiple dates between XX/XX/XXXX and XX/XX/XXXX * XXXX. XXXX XXXX XXXX numerous dates through XX/XX/XXXX * XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - between XX/XX/XXXX to XX/XX/XXXX * XXXXXXXX XXXX XXXX several enquiries between XX/XX/XXXX to XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/2025 applied for Discover-it secured credit card, was approved. 
{$400.00} was transferred to Discover, establishing my new secured credit account. 
XX/XX/2025 My new Discover-it Secured Credit Card arrives in the mail. I follow the the instructions and successfully download the app, activate the card. 
Several hours later I attempt to make a small online purchase and card is declined three times. 
I called the number on the card to see what was causing this inconvenience and was told I needed to call security department at XXXX ( XXXX ) XXXX. 
These people, claiming to be Discover Security Verification Department ( or something like that ) tell me that they have placed a hold on my account and that this account will be closed and a negative report sent out to all the reporting agencies if I did not provide them with a photo of my drivers license, front and back, my social security card, front and back, and fill-out and sign some emailed document granting them access to my tax documents. 
This is absurd. I can't imagine any legitimate financial institution of any kind operating in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NV

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.

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 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: HI

Complaint narrative:
Dispute # XXXX filed : XX/XX/year> denied : XX/XX/scrub>XXXX XXXX XXXX phone svc. {$19.00} XX/XX/scrub>XXXX XXXX XXXX  phone svc. {$46.00} XX/XX/year> XXXX XXXX {$46.00} XX/XX/year> XXXX {$8.00} XX/XX/year> I reported these unauthorized charges that were made with my card no knowledge my card was in possession of the party. Dispute was filed few days later called to check on status and was told id have my money returned just needed to wait and then day or two I get an email stating no error and no money will be returned case closed so I ask bank for explanatory evidence of decisions denial of dispute they said if get an email never received it. So I resubmitted the same dispute : # XXXX XX/XX/year> denied : XX/XX/year> Submitted documents I retrieved evidence of the party who made unauthorized transactions with my card and with the merchant receipt stating there name and whom the individual they sent money to that merchant. And bank says that the documents I submitted did not match up with the merchant information when I don't see how not if it is a receipt purchase with account detailed of account created and both parties involved in my money being removed from my account. 

Dispute # XXXX filed : XX/XX/year> denied : XX/XX/year> XXXX XXXX XXXX {$40.00} XX/XX/year> XXXX XXXX XXXX {$25.00} XX/XX/year> XXXX XXXX XXXX {$37.00} XX/XX/year> XXXX XXXX {$25.00} XX/XX/year> XXXX XXXX {$50.00} XX/XX/year> Chime members. I found these XXXX individuals from separate business on XXXX XXXX suppose to create XXXX accounts for different gaming platforms but didn't do so and after I sent money and he received he cut off all communication with me. No accounts And No Money returned and for XXXX same also she suppose to create XXXX accounts and refused to give back my money because she says I sent fake payments when that's a lie if it never returned to my account so I disputed these and bank denied and closed my case and refused to reopen it with evidence of me and the partys agreement and transaction that I have to submit in or messages on XXXX. And bank refused to do so and I feel justice is not properly handled and Id appreciated it if I could have my money returned back to my account and feel there actions weren't appropriate on either cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-03 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-06-03 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: IL

Complaint narrative:
I hope this complaint finds you well. I would like to follow up on the complaints I sent to your attention regarding certain items on my credit report. 
As of today, I have not received any communication or updates regarding the resolution of the disputes I sent to the bureaus. I understand that the investigation process takes time, but I would like to inquire about the current status and any progress made in resolving the issues outlined in my previous communication. 
The following are the items that I would like to be removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-03 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 requested the correction of inaccurate information, which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX 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 explanation
Consumer complaint received 2025-06-03 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: CA

Complaint narrative:
I requested the correction of inaccurate information, which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: IL

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
To Whom It May Concern, I am writing to formally dispute multiple inaccurate and harmful items appearing on my credit report, which have severely affected my creditworthiness and caused undue distress. Below are the accounts in question along with their specific problems. I demand an immediate investigation, correction, or deletion of all erroneous information as mandated under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and relevant laws. 
XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Issue : Incorrectly reported late payments on my account.

Violation : Under FCRA Section 609 ( 15 U.S.C. 1681g ), I have the right to dispute inaccurate information, and under Section 611 ( 15 U.S.C. 1681i ), you are obligated to investigate and promptly correct any inaccuracies. Reporting late payments without verification violates these provisions and damages my credit unjustly. 
XXXX XXXX XXXX XXXX Account Number : XXXX * Date Opened : XX/XX/XXXX Issue : Incorrectly listed as a collection account, which I dispute and request verification.

Violation : This is a violation of FCRA Section 623 ( 15 U.S.C. 1681s-2 ) requiring furnishers to provide accurate information. Additionally, if this is a debt collection, it must comply with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, which prohibits unfair or deceptive collection practices. I demand proof of debt validation immediately. 
3. Incorrect Addresses on My Credit Report Addresses listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX Issue : These addresses are not mine and constitute inaccurate personal information.

Violation : Per FCRA Section 609 ( 15 U.S.C. 1681g ), I have a right to accurate identifying information on my credit file. Incorrect addresses may cause confusion, identity misrepresentation, and harm my credit score. 
Summary and Request : These errors are serious violations of my consumer rights under the FCRA and FDCPA. They cause financial and emotional harm by affecting my credit score, loan eligibility, and personal reputation. I hereby demand : Immediate removal or correction of all inaccurate and unverifiable information listed above.

A full reinvestigation of the disputed items within the 30-day timeframe mandated by law. 
Written confirmation of the results of your investigation sent to me at the address on file. 
Cease any further reporting of unverifiable or inaccurate information related to these accounts. 
If you fail to comply with these legal requirements, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and consider legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 requested the correction of inaccurate information, which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX 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 2025-06-03 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:
PLEASE BLOCKED AND REMOVED.

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with explanation