vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: CO

Complaint narrative:
Multiple companies accessed my credit report without authorization, damaging my credit and score. Despite assurances from the credit agency, these unauthorized and potentially fraudulent inquiries remain. This not only raises serious identity theft concerns but also causes ongoing stress and financial harm.

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 2025-06-10 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: UT

Complaint narrative:
Comenity Bank XXXX is reporting late payments on my credit file that needs to be removed. I went to a store to purchase items for my son and daughter, upon arrival the cashier helped me fill out an application for a credit card which I agreed to use and paid and was on my way. However, I never received the card in the mail and completely forgot about the account. Next time I went and put in my number the cashier somehow put the balance onto that card with her machine because I didn't pay like I regularly do. XXXX is not my first language, she might have told me it went to the card but I understood it was like free item because I didn't pay she just gave me my stuff. 
However, I never got the card in the mail so I had no way to pay this statement and every time I try to call, I can't get through to anyone because they want a card number that I don't have! This has been a very frustrating process. I then noticed a notification from XXXX  that I had lates on my XXXX  credit card. Turns out that {$10.00} purchase went past due, and my {$10.00} charge was now {$180.00} because of late fees and everything. I once again try to call and finally get through to pay the {$180.00} balance from the {$10.00} purchase and explain to the person what happened. They told me I would now get the card in the mail as he had sent it out again and I still have not received anything. I can't even use this card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
I am disputing a collection account placed on my credit report by Hospital Collection Services for {$670.00}, with the original creditor listed as XXXX XXXX XXXX. This account is tied to a XX/XX/scrub>XXXX XXXX XXXX visit at XXXX XXXX XXXX XXXX XXXX in XXXX, NV, where I was treated for injuries sustained while working as an XXXX professional. 

This visit was a workers compensation case, not a personal medical expense. I have documentation from the hospital showing the visit was fully billed under XXXX XXXX XXXX, with all charges adjusted to {$0.00}. The discharge paperwork also references Call WORK COMP MD, clearly indicating the visit was under the scope of workers comp. 

Despite this, a portion of the visit was erroneously assigned to me and sent to collections, damaging my credit and misrepresenting my financial responsibility. 

I have already disputed this with TransUnion and the debt was verified as accurate, but the supporting documents I submitted were clearly ignored or misunderstood. I am requesting that this account be removed from my credit report immediately, as it violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), and falsely attributes a debt to me that is legally the responsibility of workers compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am the victim of identity theft. A Capital One credit card account was fraudulently opened in my name on or around XX/XX/XXXX, using an old address I no longer resided at. I never applied for or used this account. Despite providing a signed written request, XXXX forms of valid government ID, and a police report ( filed XX/XX/XXXX ), Capital One has refused to provide me with application and account records, citing that I was deemed responsible for the account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g ( e ) ), I am entitled to this documentation. I am requesting the Consumer Financial Protection Bureau 's assistance in compelling Capital One to release the full records associated with the account so I can prove it was fraudulently opened and have it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
Collection agency put Collection on my report i disputed item and it was removed now its back on my report under a different credit agency with different dates reaging also keep adding late or missed payment to hurt my credit.

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 2025-06-10 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: I.C. System, Inc.
State: OK

Complaint narrative:
Collection agency put Collection on my report i disputed item and it was removed now its back on my report under a different credit agency with different dates reaging also keep adding late or missed payment to hurt my credit.

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 2025-06-10 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: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX  FL XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$370.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$880.00} XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} XXXXXXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3500.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Hello my name is XXXX XXXX and I was a victim of a scam. The amount was a total of XXXX. How this happened was I received a text which I attached here claiming it was Wells Fargo security and a charge was made on my car that wasnt me. When I stated it wasnt me that person called my phone and asked if I was XXXX XXXX and repeated my account number, my card number, my billing address and etc. I said yes since all the information they had was correct. They told me they were going to close my account and transfer funds to XXXX XXXX. I was concerned but they had all the right information so I did think it was the real Wells Fargo security team. After I verified my information the money was transferred. I did not transfer the money this was fraud. As soon as I seen the money leave my account I immediately called the Wells Fargo customer service number and disputed the charge. It took a long time to post the transaction and it just got posted last night and already the claim was denied. This was not me this was fraudulently charge I have a police report to go with this. My police report number is 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 2025-06-10 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I filed a dispute with Equifax, to address a fraudulent account opened under my name with XXXX XXXX XXXX ( Account Number : XXXX ). I discovered the identity theft in XX/XX/year>. 
Along with the dispute, I provided an FTC Identity Theft Report ( Report # XXXX ) and a copy of my drivers license to support my claim and requested the removal of the account. 
I followed up with a Method of Verification request under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), but Equifax has failed to provide documentation showing how the information was verified or has not removed the account.

I am requesting that the CFPB require Equifax to : Remove the fraudulent XXXX account from my credit file ; Provide the requested verification details ; Supply a corrected credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: MD

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

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 2025-06-10 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-10 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: NY

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX Phone : ( XXXX ) XXXX Email : XXXX Date : XX/XX/XXXXXXXX  To : TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Inaccurate Account XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reported Amount : {$6100.00} Date Reported : XX/XX/XXXXXXXX  Dear TransUnion Dispute Department , I am writing to formally dispute inaccurate information currently listed on my TransUnion credit report. The account in question is reported by XXXX XXXX XXXX XXXX XXXX, with a balance of {$6100.00}, and a last reported date of XX/XX/XXXX. 

I do not recognize this account and do not believe it is accurate. This item is negatively affecting my credit report. Under the Fair Credit Reporting Act ( FCRA ), TransUnion must report only information that is complete, accurate, and verifiable. Therefore, I am requesting that this account be fully investigated and removed if proper documentation and verification can not be provided. 

Please provide written confirmation of the results of your investigation. If this information can not be verified, it must be deleted from my credit file under the law. If not resolved. 

I expect a written response within the timeframe established by law. Please send all correspondence to the address listed above. 

Sincerely, 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 2025-06-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Account XXXX XXXX XXXX XXXX  # XXXX Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: GA

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 4 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 Address : XXXX XXXX XXXX XXXX XXXX GA XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6100.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9200.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-06-10 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:
* * To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : * * Dispute of Medical Debt Account # XXXX To Whom It May Concern, I am writing to formally dispute the validity and accuracy of the medical debt listed under account number XXXX XXXX XXXX XXXX XXXX, which has been reported to my credit file. 

First, I want to note that I * * never received a bill * * or any communication regarding this alleged debt at my home address. I was not informed of any outstanding balance or given the opportunity to review or resolve the issue prior to it being reported. 

Additionally, to the best of my knowledge, the only medical bill I was ever responsible for involved services that were * * billed incorrectly * *. The charges contained * * procedures I never received * *, * * upcoding * * ( billing for more expensive services than what was provided ), and * * coding errors * * that do not accurately reflect what occurred during my hospital visit. These discrepancies made the bill not only inaccurate, but also unjustifiable. 

I am requesting the following under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) : 1. * * A full itemized statement * * of the services being billed, 2. * * Verification of the debt * * including the original provider, dates of service, and a breakdown of charges, 3. * * Removal of this entry * * from my credit report if verification can not be provided.

Until these issues are resolved, I request that this account be marked as * * disputed * * on all credit reports, and that * * no collection activity * * or negative reporting continue. 

Please respond to this request within the legally mandated time frame. I also reserve the right to escalate this matter with the Consumer Financial Protection Bureau ( CFPB ) if necessary. 

Thank you for your time and attention to this matter. 

Sincerely, 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
To Whom It May Concern, I am writing in reference to a recent denial of credit from XXXX, citing the following reasons : Insufficient balance decrease on bank revolving account Insufficient balance decrease on revolving retail account ( s ) Balance increase on bank revolving accounts These statements appear to be inaccurate. I currently hold several credit cards with limits up to {$10000.00}. I have an outstanding balance of approximately {$5000.00} on one card, which I actively use and recently performed a balance transfer on. 

It is my belief that these reporting practices may be intentionally affecting individuals credit scores unfairly. I request that these claims be investigated thoroughly to ensure that such actions are not disproportionately targeting certain demographic groups. 

Please consider this a formal request for review of my application and the credit decision process. I am also preparing to file a complaint with the Attorney Generals office and may consider legal action against XXXX, citing potential bias in lending practices. 

For reference, my XXXX application number is XXXX, submitted on XX/XX/year>. 

I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation