vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I am writing to formally dispute the inaccurate and conflicting information being reported on my credit reports by COMENITYXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. The discrepancies in the reported data are significantly harming my credit score. I respectfully request an immediate investigation and the deletion or correction of this account information based on the following inaccuracies : Inconsistent Account Dates : The accounts opening and closing dates differ across the three major credit bureaus ( XXXX, XXXX, and XXXX ), making it impossible to verify a consistent account history.

Charge-Off with Inaccurate Balance and Missing 1099-C : The account is reported as charged off with a balance of more than {$600.00}. However, I have not received a required 1099-C form, which is issued for canceled or charged-off debts, indicating that the account information may be invalid.

Erroneous Payment History : The payment history is inconsistent and confusing. It includes : 30-day late payments reported for two consecutive months, 120-day late payments reported for two consecutive months, and Periods showing no data available for multiple months.

These conflicting entries do not accurately represent my payment behavior and are severely impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
Illegal Student Loan Reporting & Collections Following Department of Education Abolishment To Whom It May Concern, I am filing a formal complaint against AidAdvantage, XXXX XXXX  and XXXX for continued reporting and collection of student loan debt that is now legally void following the executive order to abolish the U.S. Department of EducationXXXX XXXX XXXX XXXX Complaint Details : 1. Illegal Credit Reporting The credit bureaus continue to report student loans that are now unverified and legally questionable due to the dissolution of the Department of Education. 

2. Failure to Verify Legitimacy of Debt The loan servicer has failed to provide evidence of legal ownership, collection rights, or servicing obligations in light of the agencys abolishment. 

XXXX. Unfair and Deceptive Practices The continued collection of these debts constitutes a violation of my rights under the FCRA ( 15 U.S.C. 1681 ) and FDCPA ( 15 U.S.C. 1692 ).

I demand an immediate investigation, deletion of these accounts from my credit report, and cessation of any collection efforts by my loan servicer. If this matter is not resolved promptly, I will pursue further legal action. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have been a victim of identity fraud and has been through this process in the past and have sent you supportive documents as requested the account I am not familiar with this account or balance or status on my report please remove as requested 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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I am writing to formally dispute inaccurate reporting on my credit report by MIDLAND CREDIT MANAGEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information provided is inconsistent and unverified, adversely affecting my credit score. I request an immediate investigation and correction of the following discrepancies : 1. Inconsistent Account Dates : The open and closed dates for my account are reported differently across XXXX, XXXX, and XXXX. These discrepancies raise concerns about the accuracy of the overall account data.

2. Charge-Off Reporting Issues : Although the account is noted as charged off, a balance is still being reported. This inconsistency suggests that the accounts status has not been accurately updated.

3. Missing 1099-C Form : I have not received the required Form 1099-C, which should have been issued in connection with the charge-off. The absence of this documentation further questions the validity of the reported charge-off.

4. Incomplete Payment History : The payment history for this account has multiple months with no available information, making it impossible to verify whether payments were made as agreed. This missing data is negatively impacting my credit score.

5. Request for Deletion : Given the inability to verify the payment history, along with the inconsistent dates and erroneous balance reporting, I am requesting that this account be deleted from my credit reports if the discrepancies can not be resolved satisfactorily.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
XXXX XXXX XXXX had a massive data breech, they informed me that my information was compromised. This caused me to look at my credit report and I noticed several inquires that was not mine and I listed them below, and two of them from msu was a mistake because I didn't open up my auto loan with them until XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on my TransUnion and Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX on TransUnion and Experian XXXX XXXX XXXX XX/XX/XXXX Just on Experian XXXX XXXX XX/XX/XXXX Just on Experian XXXXXXXX XXXX XXXX XX/XX/XXXX Just on Experian XXXX XXXX XXXX XX/XX/XXXX Just on Experian XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Just on Experian XXXX XXXX XX/XX/XXXX on my TransUnion and Experian XXXX XXXX XXXX XXXX inquires from XXXX XXXX XXXX XXXX XXXX one of them is accurate, but two must of been added to my report in error. which is XX/XX/XXXX and the one on XX/XX/XXXX of XXXX. The one on XX/XX/XXXX was for my auto loan with them and is accurate. these other ones listed below are on my Transunion report only. 
XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX I have attached my FTC report and police report and all other supporting 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The accounts listed need to be removed, I do not have any knowledge of their existence. Also it seems to me that my information has been shared without my authorization, based on my credit report. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. The items reported are 100 % incorrect, I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please again, I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: PA

Complaint narrative:
The accounts listed need to be removed, I do not have any knowledge of their existence. Also it seems to me that my information has been shared without my authorization, based on my credit report. I am a victim of Identity Theft. I do not recognize any of the accounts that Ive listed in this letter. The items reported are 100 % incorrect, I reported the theft of my identity to The Federal Trade Commission, and I do obtain enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please again, I am politely requesting the removal of the items listed on this letter. Thank you in advance for your teams help.

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 2025-04-11 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: OK

Complaint narrative:
XXXX XXXX XXXX, is reporting on my Experian and Equifax report that I opened an account with them on XXXX XXXX, and {$6600.00} is owed. 
This account was disputed on XX/XX/year>, investigation my both agencies, the account remains on reported.

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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi is offering a Flex Pay promotion where if you use your Citi card with XXXX XXXX you get a {$0.00} fee for a XXXX month Flex Pay plan. Advertisement attached. However, when I tried to use this for a XXXX XXXX XXXX charge the company assessed a {$15.00} fee despite the purchase being made on XXXX XXXX and being otherwise eligible for Citi Flex Pay. When calling customer service, I was told nobody at Citi could rectify this, as its online only, which is abhorrent. Its as if they put out the offer knowing there was no way to enforce it.

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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am a victim of identity theft fraud there are inquires reporting to my credit report does not authorize or done by me and greatly appreciate if you can remove them as indicated on updated FTC 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 2025-04-11 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:
After looking over my credit reports i see information thats unfamiliar and do not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
In XX/XX/year>, American Express issued a {$400.00} XXXX XXXX XXXX statement credit to my account. On XX/XX/XXXX, XXXXmore than XXXX days laterthey reversed the credit with no advance notice or explanation until the same day the reversal appeared as a charge on my account. 

The only justification I was later given through customer support was that the credit had been duplicated in error. However, I was not informed of this when the credit was issued on XX/XX/XXXX, nor was I given the opportunity to dispute the charge before the reversal was applied. 

I believe this is a clear violation of the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires that consumers be notified of billing errors within 60 days and be given the chance to dispute any charges before an adjustment is made. 

In chat with customer support, I was repeatedly dismissed, the supervisor said When you saw XXXX credits instead of XXXX didn't you feel it was incorrect? Just to verify did you reached out to us like you did when you saw the reversal and the supervisor confirmed they could not comment on the legality of the issue. I was not provided with proper documentation showing the error or any explanation of why the XXXX window for notice was ignored. 

This is not simply a customer service issueit is a compliance and consumer protection issue, and Im seeking a formal investigation and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I had many charges on my Venmo Credit Card account, I called and disputed. They did nothing and continued to charge me for it and charged interest. I told them to cancel the charges, refund me and send me a new card. They never did that. So I continued to message them about it and their customer service was awful and they did nothing. I still to this day almost a year later have constant late fees and interests on the account. I asked them after they ignored me disputing all the charges to cancel my account but they didn't. I will NEVER use venmo ever again. I just want the whole thing resolved and off my back.

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 2025-04-11 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-04-11 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: OR

Complaint narrative:
This letter serves as my final attempt to resolve this matter before I initiate legal action against your agency for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite numerous disputes and opportunities to correct the inaccuracies on my credit report, you have failed to comply.

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 2025-04-11 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 kindly request the prompt removal of the fraudulent entries from my credit report in light of this situation, along with the necessary actions to rectify any inaccuracies or fraudulent activities. Attached are documents from relevant authorities that substantiate my claims.

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