vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I am disputing the reporting of the account from XXXX XXXX XXXX, ending in XXXX XXXX, as inaccurate, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ). This account is now appearing on my Equifax credit report as a closed credit account with a {$0.00} credit limit and a {$1000.00} balance even though it is a debt buyer account and should be properly listed under the collections section. This is a misrepresentation of the account type and a violation of FCRA 623 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), which require accurate classification and reporting. In addition, this entity is not a lender but a debt purchaser, and as such, this account should be listed under collections. However, this is not my creditor, and this debt does not belong to me. I have never received debt validation, including any original signed agreement or complete account history linking this debt to me, as required under 15 U.S.C. 1692g of the FDCPA. Reporting a debt I do not owe as if it were a verified closed account is deceptive and materially harmful. This is not a repeat dispute I am disputing the new and inaccurate method of reporting that has appeared since my last submission, reflected in Equifax Credit Report Confirmation XXXX XXXX XXXX XXXX XXXX XXXX I am also reporting this to the Federal Trade Commission ( FTC ) for unauthorized and deceptive reporting. I demand this account be immediately deleted in full from my Equifax credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: RI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 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: MI

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I demand to see XXXX XXXX ( an original XXXX XXXX with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the XXXX15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions, 15 U.S.C 1666B. I have sent multiple disputes with either no response or a response ignoring my request. Please provide proof that I consented to the furnishing of the listed accounts. You have yet to provide me any proof that I consented to this information being displayed on my credit report XXXX remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
What happened? ( Complaint narrative ) : I am a victim of identity theft and have submitted disputes and identity theft reports multiple times to Experian, Equifax, and TransUnion under FCRA 605B. I also submitted an FTC Identity Theft Report and a police report, requesting an immediate block and removal of fraudulent accounts as required by law. 
Despite this, the credit bureaus have continued reporting these unauthorized accounts and failed to block the disputed information. Additionally, they failed to update my personal identifying information, such as removing incorrect names, addresses, and employment entries, even after multiple requests. 
I also requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ), but I have not received any documentation or response. The reinvestigation processes were clearly automated ( via e-OSCAR ), not manual, and relied on frozen XXXX files, which makes the verification invalid. 
This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 605B, 611, 607, 616, and 617. These errors have caused damage to my credit, stress, and hardship. I am seeking an immediate block of the fraudulent data, correction of my personal file, and confirmation in writing of the actions taken.

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 2025-06-20 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: LA

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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 am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent account into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX  XXXX- ( PARTIAL ACCOUNT NO : XXXX ) was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2025-06-20 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: GA

Complaint narrative:
I previously submitted a dispute regarding inaccurate information on my credit reports. Equifax investigated the matter and confirmed the error, resulting in a correction and update to my Equifax file. However, despite the same dispute and supporting documentation, TransUnion & Experian have failed to make the same correction. 


I am attaching the Equifax dispute results as evidence of the confirmed inaccuracy and correction. 


This inconsistency across the bureaus is negatively impacting my credit profile, and violates the Fair Credit Reporting Act ( FCRA ), which requires information to be complete and accurate. 



Thank you for your attention to this matter.

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 2025-06-20 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I bought a lipstick at XXXX. I don't remember the circumstances but I was contacted via text or either, I went in to try and make a payment at the store and was told to go on to the comenity site to make my payment. I was told the amount was XXXX dollars and XXXX cents, which I paid. Now, this was the amount that I was told, and it was my understanding at that point that the bill was paid. Because I would not have just made that number up. If I was making a partial payment, I would have made a payment of an EVEN amount. 

So now i'm getting a text, say that I owe almost XXXX dollars. 

FOR A LIPSTICK. 

I talked to them on the phone and they were very adamant that I owe almost XXXX dollars for a red lipstick that I don't even get to wear. 

I offered to pay the XXXX dollars in difference that they say the amount was originally. But XXXX XXXX dollars? 

And if I owed this money, why weren't they texting me all along? Why am I only now getting a text when they I didn't reach out to me to text me about this amount that i Allegedly owed before? 
Why didn't I get a paper bill? If I had a balance outstanding? I had automatic payments set up so they could have taken the money that I owed when it first came due. Why didn't I get an email for the balance due? 
And this isn't the first time they've pulled this nonsense. I've been paying on this lipstick for quite some time. I'd say they got their money and more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
I am writing to formally address a violation of the Fair Credit Reporting Act ( FCRA ) Section 611 ( B ) regarding the fraudulent account into my credit file without proper certification of accuracy and notification to the consumer as mandated by law. There is a fraudulent credit card by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened under my name without my knowledge and I am asking to block and delete this fraudulent account because I have no knowledge about this account. It is a fraudulent account.

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 2025-06-20 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

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 2025-06-20 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:
Immediate removal of fraudulent/inaccurate information from my report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, 15 U.S. Code 1681c-2. you are legally obligated to block fraudulent information from my report within 4 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: PA

Complaint narrative:
This morning, I found inaccurate accounts appearing on my credit report, and I have no explanation for it. I reviewed my credit report as usual, but this time unexpected discrepancies showed up. I refreshed my browser thinking it might be a temporary error, but the inaccurate accounts remained. Due to this issue, I request a thorough review of the documents I previously submitted to ensure I wont have to worry about this again.

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 2025-06-20 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: FL

Complaint narrative:
Transunion verified this account as accurate. 
15 U.S. Code 1681i : Addresses the procedure in case of disputed accuracy.

15 U.S. Code 1681s-2 : Establishes the duties of furnishers of information I writing this to put Transunion on notice : I am formally challenging the continued inaccurate, misleading, and inconsistent reporting practices of this agency regarding my account with XXXX XXXX XXXXXXXX XXXX 
The credit data being published by TransUnion, XXXX XXXX XXXX regarding this account reflects substantial discrepancies that raise serious concerns about the reliability and integrity of your reporting process. 

Issues of Concern : Inconsistent High Balance Figures TransUnion and XXXX reflect a high balance of {$1100.00}. 
XXXX incorrectly reports {$0.00}, falsely minimizing the accounts impact. 


Mismatched Last Payment Dates TransUnion says my last payment was in XX/XX/scrub>XXXX XXXX XXXX  claims it occurred on a different date, contradicting each other. 


Conflicting Remarks & Statuses : The remarks about charge-offs, cancellations, account has been closed due to inactivity and reasons for closure vary widely between bureauseach tells a different story, none of which can be wholly accurate. 


Payment History Manipulation TransUnion reports no payment history, creating the illusion of a complete default. 
XXXX  reports XXXX consecutive charge-off months while XXXX omits most delinquencies altogether.

Credit Limit Errors XXXX reports a {$0.00} credit limit, distorting my credit utilization ratio and creditworthiness. 

These contradictory entries violate my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires that : Credit bureaus must follow reasonable procedures to assure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ). 
Upon dispute, bureaus are obligated to verify, correct, or delete inaccurate data within 30 days. 

Failure to meet these standards exposes agencies to civil liability under 15 U.S.C. 1681n ( willful violations ) and 1681o ( negligent violations ). I will not hesitate to escalate this matter to my state attorney general, or pursue legal remedies if this dispute is not properly resolved. 


Please consider this letter your official notice. You are obligated to act within XXXX calendar days.

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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I have been reaching out to Affirm for months of me not being able to pay them. I'm constantly being harassed with Calls and text messages with the same answer of me not being able to make payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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:
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 explanation
Consumer complaint received 2025-06-21 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: MI

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Bankruptcy Reporting Re : XXXX  XXXX Bankruptcy Not Mine To Whom It May Concern, I am writing to formally dispute the accuracy of a XXXX  XXXX bankruptcy that is currently being reported on my credit file. I, XXXX XXXX, did not file for XXXX XXXX bankruptcy, and this entry is not related to me in any way.

To support my dispute, I have included the following documentation : A letter from the United States Bankruptcy Court for the XXXX XXXXXXXX XXXX XXXXXXXX confirming that there are no XXXX XXXX filings
associated with my name or Social Security number ( SSN ending in XXXX ). 

A statement from XXXX confirming that they do not have any record of a XXXX  XXXX bankruptcy filing for me in their system.

This reporting error is causing significant harm to my credit profile and standing. I am requesting that this bankruptcy entry be fully removed from my credit report under the Fair Credit Reporting Act ( FCRA ), which requires all data to be accurate and verifiable.

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