vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: NV

Complaint narrative:
Dear Equifax 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have an active Experian Premium membership, which includes monthly reports. If you're not receiving them, it might be due to a technical issue. You can check your membership details and update your preferences here. If the issue persists, you might want to contact Experian customer support at XXXX for further assistance. 

The above copy from my account before Experian change what it says online ; which is also fraud means the fraud is intentional. 

Experian change it to : Quarterly 3-Bureau Report and FICO Scores ; after I filed the complaint.

this is NOT what I paid for I paid for monthly reports and scores : I want what I paid for or I sue.

Experian has change what my membership say but It is saved here in my previous complaint from the website before they changed it ; Experian I aware of the problem refused to fix in the last two months.

Experian called but refuse to fix the monthly reports which they now charging for even though I already paid to them. Experian is fraudulently charge me twice for the same and refusing to provide what I paid for ; calling me about but did change nothing. 

Experian is aware they change to credit report each 3 months, but that is not what I paid for ; the Membership include monthly report as I copied from their website above I did not type it.

Experian Has refused before so I sue them in small claim for the fraud and my credit report is also wrong I never late on the JPMC account. I dispute an amount Experian refuse to fix the disputed amount and bill me for Fraud by XXXX in XX/XX/year>. 

IF CPFB, fails to fix this time I sue for both Fraud on the membership and Fraud on my Credit Report both. This is my Final Demand and I reserve the right to start suing before this complaint is final as they already had a chance to fix this two months ago.

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 monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Based on the details of your complaint on XX/XX/year>, Midland Credit Management violated the Fair Debt Collection Practices Act ( FDCPA ) by disclosing your debt to a third party ( my brother ). You can file a formal complaiint with the Consumer Financial Protection Bureau ( CFPB ). 
Why the FDCPA was violated The FDCPA prohibits a debt collector from revealing the existence of a consumer 's debt to a third party, such as a family member. 
Permitted contact : A debt collector can only contact a third party to obtain your location information ( home address, phone number ), and they can not disclose that they are calling about a debt. 
Prohibited actions : Th

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX  days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
The review falsely represents my approach to money.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and fairness of credit reporting. Also, in 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I was charged a late fee by Comenity Bank ( XXXX XXXX ) even though my payment was made on the due date, but posted the next business day after a federal holiday. Under the Credit CARD Act of XX/XX/XXXX, issuers must accept payments the next business day when a due date falls on a weekend or holiday. I contacted customer service, and while they partially reduced the fee, they refused to remove it completely. I am requesting a full reversal of the late fee and confirmation that my account history will not show a late payment. This is my first time incident and I had paid my balance in full of around {$800.00} already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On or about XX/XX/year>, I received a collection letter from XXXX XXXX, XXXX claiming I owed {$28000.00} on a Wells Fargo Bank , N.A . credit card account ending in XXXX. I have never had any dealings with this debt collector, and I do not recognize the account they are attempting to collect. 

The letter did not include any supporting documentation such as a signed agreement, account statements, or proof of ownership of the debt. It simply listed a balance and threatened continued collection if I did not respond. This raises serious concerns about the accuracy of the debt and whether XXXX XXXX has the legal right to collect it. 

I am concerned that this alleged debt XXXX be inaccurate, fraudulent, or misattributed to me. The collection attempt has caused stress and concern over potential negative credit reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: CA

Complaint narrative:
On XX/XX/XXXX I made a payment for {$7000.00} which was meant to cancel out one of my unsubzidized loan. I over paid so the remaining {$940.00} should have gone to my final unsubsidized loan because I have specific allocation directions on my account. The representative that helped to fix this issue could not figure out where the remaining amount went. She was arguing with me saying that the {$940.00} did not exist and all payments have been allocated properly. I kept insisting that they are wrong but she kept arguing with me. She kept saying that the previous customer service representative did not make a mistake. I had the customer service do the math of all my payments and the amount of loans paid off. She then realized I was telling the truth. Finally, she was able to find the mistake. It went to a subsidized loan which I did not verbally authorize. The instructions on my account were not followed either. I called XX/XX/XXXX to fix the issue and I requested to escalate the issue. I got the run around and never got to speak to a supervisor. I was told a supervisor would contact me next day, yet I was never contacted. When I go into my account I can never see where my payments are being allocated. I only see the amounts I paid but no other details are available. I can not even see what my initial loan amount was. This is all very confusing and upsetting. The unsubsidized loan was still accruing interest because of the mistake that was made by Ed Financial. I have had the worst experience working with them. The customer service representatives are rude. They do not pay attention to what they are doing leading to mistakes. They make their own decisions of how payments are allocated instead of listening to the account holder. If this is happening to me, I can only imaging how many other students and account holders are going through the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions XXXXnc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-09-24 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: IN

Complaint narrative:
These fraudulent hard inquiries and fraudulent accounts need to be removed from my credit report immediately because they are fraudulent inaccurate and is violating my consumer rights they need to be blocked immediately

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-24 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: FL

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am disputing a debt that Online Information Services ( XXXX ) is attempting to collect on behalf of XXXX XXXX. The alleged balance is {$1100.00}, which is inaccurate. 

On XX/XX/year>, I made a payment of {$380.00} to XXXX XXXX. This payment cleared my bank, but XXXX failed to apply it to my account. XXXX acknowledged receipt of the payment and confirmed an investigation was ongoing. Because the funds were never credited, my bank ultimately refunded me. This demonstrates that XXXX mishandled the payment, not me. 

Additionally, XXXX verbally waived a disconnection fee, yet this fee is still included in the balance XXXX is attempting to collect. This makes the reported amount further inaccurate. 

I formally disputed this debt in writing. XXXX responded only with a copy of a billing statement, which does not meet the requirements for validation under the Fair Debt Collection Practices Act ( FDCPA ). They have not provided a full accounting, proof of charges, or documentation showing how my payment and the waived fee were handled. 

Despite the dispute, XXXX continues to attempt collection and report the debt as valid. The balance is inaccurate, incomplete, and unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I am formally requesting validation of the alleged debt referenced in your recent communication, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

I do not acknowledge this debt, and until you provide proper validation, you must immediately cease all collection activities, including reporting or verifying this debt to any credit reporting agencies.

Please provide the following documentation : 1.The name and address of the original creditor.

2.The full account number associated with the alleged debt.

3.A copy of the signed agreement or contract that makes me legally responsible for this debt.

4.A complete payment history, including the amount of the alleged debt, how it was calculated, and all fees or interest added.

5.Documentation showing that you are authorized to collect this debt in my state.

6.A copy of your state license and bond number, if applicable.

Be advised that : Until you provide proper validation, any attempt to collect this debt or report it to the credit bureaus is a violation of the FDCPA.

If you fail to validate this debt but continue collection efforts, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), my State Attorney Generals Office, and the Federal Trade Commission ( FTC ).

I also reserve the right to pursue private legal action for violations of my rights under federal and state law.

This request is made pursuant to my rights under federal law. Please respond within 30 days of receiving this letter. If you can not provide the requested documentation, you must cease all collection activities and remove any negative reporting from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : 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