vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: IL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
XXXXnquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XX/XX/XXXX Under FCRA USC Sec 15 1028g these must be removed immediately from 30 days of notice. A previous letter was sent to Experian with the discrepancy of these XXXX inaccurate addresses below that needs to be removed because they are inaccurate and its reporting inaccurate information on my credit report. XXXX XXXX addresses already being removed below * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX addresses already being removed above XXXX XXXX  Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus Transunion, Equifax, Experian XXXX These accounts needs to be removed immediately. None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! MY information was EXPOSED in multiple data breaches across XXXX, XXXX, and Experian. I am writing to have these ILLEGAL items removed OFF my report ASAP! I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, XXXX, and Experian report. Remove all negative fraudulent items not associated with me! Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. Thank you for your time and help in this matter. Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. I am requesting a manual veriication and not an automated process through XXXX, XXXX, and Experian stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$19000.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1200.00} XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$450.00}

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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
Last year froze all credit scores across all agencies. 

Began process to apply for home loan XXXX XXXX XXXX XXXX XXXX attempts credit pull, Experian score is frozen Call Experian, told to submit documents online or over mail or create account Submit supporting documents to website portal. Call again, told either create an account or mail in information. 
Create web account, unfreeze score, confirm with screenshots that score is " unfrozen '' XXXX XXXX XXXX reports score is still frozen. 
Experian no longer answers call, automatically hangs up. 
Mail in proof of residence and ID, with instructions to unfreeze score. No response.

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 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Jon Barry and Associates, Inc.
State: OH

Complaint narrative:
I am starting to question the legitimacy of credit reports. I am actively working to improve my credit score, but during a recent conversation with XXXX  regarding another issue, they brought up a medical debt that they claim was added on XX/XX/XXXX. I was completely unaware of this debt, and it does not appear on the printed report they sent me on XX/XX/XXXX. It raises a significant concern that this debt is visible online but absent from the physical copy. I intend to dispute this entry and request verification ; if they can not provide detailed documentation of the debt, including itemized charges and proof of ownership, I expect it to be removed. Notably, I have successfully had two other accounts from the same company deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, 1681s-2 ( b ), 1681e ( b ), and Metro 2 Compliance guidelines, I am formally disputing the accuracy and completeness of the following entries on my credit report maintained by Equifax : Collection Accounts XXXX. XXXX XXXX XXXX - {$1200.00} - Original Creditor : XXXX XXXX. XXXX XXXX XXXX - {$1300.00} - Original Creditor : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX- {$1200.00} - Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX - {$600.00} - Original Creditor : XXXX XXXX XXXX Violations include but are not limited to : Failure to ensure maximum possible accuracy ( FCRA 607 ( b ) ) Re-aging or inconsistent DOFD ( FCRA 605 ( a ), Metro 2 ) Lack of documented verification upon dispute ( FCRA 611 ) Derogatory/Charge-Offs XXXX. XXXX XXXX XXXX Charged-off account XXXX. XXXX - Late payments / charged-off These must be removed or corrected if unverifiable or misreported. 
Hard Inquiries Not Linked to Any Open Account XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
My mortgage servicer - formerly Mr Cooper, now XXXX - is charging me {$660.00} for retroactive wind insurance they purchased AFTER I complied with their notification that I needed to purchase a wind policy for my house. They are claiming there was a " valid lapse '' in wind coverage dating back to XX/XX/XXXX, but the fact is there was NEVER ANY WIND COVERAGE TO LAPSE. Every insurance policy on the property from the initial issue in XXXX had a wind and hurricane exclusion. It was Mr Cooper 's error that they never checked the terms of my insurance policies until they were preparing for the {$14.00} XXXX XXXX  acquisition, which closed on XX/XX/XXXX. 

As soon as I learned that I needed wind insurance, I immediately purchased a wind policy with XXXX, with an effective date as early as possible ( XXXX  requires a 30 day waiting period ) and, of course, lay people are not permitted to purchase retroactive coverage. 

I am attaching copies of all correspondence from Cooper, as well as my communication with them attempting to resolve the issue, and copies of relevant pages from the XXXX years of homeowners insurance noting the wind exclusions. 

This whole situation is unjust and unfair. Anything you can do to assist would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX 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 2025-10-21 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-10-21 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:
This letter serves as my formal dispute of several collection and charge-off accounts currently being reported on my credit file. After a thorough review, I have determined that these accounts are inaccurate, incomplete, and/or unverifiable, and therefore must be deleted in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692.

Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my legal right to request a complete reinvestigation of each disputed account. The credit reporting agency and the furnisher of the information are both required to verify the accuracy, completeness, and legitimacy of all data being reported. If proper verification including signed contracts, original account documentation, and lawful assignment of debt can not be provided, these items must be permanently deleted from my credit file. 

In addition, under FCRA 623 ( a ) ( 1 ) ( A ), furnishers are strictly prohibited from reporting information they know or have reasonable cause to believe is inaccurate. Reporting unverifiable or incomplete accounts constitutes willful noncompliance and a violation of federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: CCM Finance LLC
State: TX

Complaint narrative:
Sold me a damaged car then when it messed up they said I did it had the car for XXXX hours after putting XXXX dollars down

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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 contacted the credit real experience TransUnion experience several times providing correct documents to prove these accounts are due to identity theft farm accounts, they totally dismally rights under the fair credit act, they have not removed these accounts, they have not proved to me that these accounts are minds, the accounts in question are XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  all the fraud account's.2 accounts by XXXXXXXX XXXX XXXX XXXXThey have purchased these accounts.And now they are harassing me and they are showing up on my credit profile which are preventing me from living a successful life

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 2025-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Medical Data Systems, Inc.
State: IL

Complaint narrative:
Told caller I was at work XXXX XXXX XXXX XXXX XXXX and couldn't talk explained I would pay them when I canas I had just recently received a letter but caller continued to be rude telling me he would continually me in the future was threatening to they would blow up my phone so I told them I would report the matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX XXXX - XX/XX/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 2025-10-21 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: MI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account 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 2025-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Subject : Complaint Against Comenity Bank Regarding XXXX XXXX Visa Credit Card Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Comenity Bank, which issues the XXXX XXXX Visa Credit Card. I believe I have been unfairly charged and negatively affected by their handling of my account. 

I applied for the XXXX XXXX Visa online, believing it had no annual fee, as a friend of mine who also holds this card confirmed. I never received the physical credit card in the mail, yet I unexpectedly received a statement from Comenity Bank showing a balance of {$140.00} for an annual membership fee. 

Concerned that someone else might have received and activated my card, I immediately contacted Comenity Bank by phone and used their automated system to cancel the card. Later, I spoke with several representatives to explain that I never received the card, never used it, and never agreed to pay any membership fee upfront. 

Comenity Bank representatives confirmed that the card had never been used and was canceled. However, they insisted that I am still responsible for paying the membership fee, even though I never received or used the card. I called four separate times, and each time I had to re-explain my entire situation from the beginning, which was extremely frustrating and XXXX. They even gave me a Case number # XXXX, and every time when I called it seemed that no case was file. The name of the person that I spoke with is XXXX Despite my explanations, Comenity Bank refused to remove the charge and has since reported this account to the credit bureaus, which lowered my credit score. This is unfair, as I should not be held liable for a card I never received or activated. 

I also filed a complaint with the XXXX XXXX XXXX XXXX XXXX XXXX  ( Case ID : XXXX ), but Comenity Banks response did not resolve the issue. Their most recent letter dated XX/XX/2025, stated that they found no violations and will not remove the fee or the negative report from my credit. 

I am requesting that the CFPB review my case and require Comenity Bank to : XXXX. Remove the {$140.00} ( they kept charging me late fees, and my balance went to XXXX as of XXXX ) charge and close the account with a zero balance. 
XXXX. Delete all negative credit reporting associated with this account from all credit bureaus ( XXXX XXXX XXXX XXXX ). 
XXXX. Confirm in writing that my credit report will not be affected further. 

I have enclosed copies of : Comenity Banks letters ( dated XX/XX/XXXX and XX/XX/2025 ) My XXXX  complaint My credit score notice from XXXX  Other relevant documentation Thank you for taking the time to review my complaint. I sincerely hope you can help me resolve this unfair situation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: MI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation