vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I applied for a medical loan from comentity Bank in XX/XX/year> for XXXX XXXX at XXXX XXXX XXXX in XXXX Va. I however due to illness can not proceed with this XXXX at this current time. I called the Comenity Bank of XXXX  on three occasions because I started receiving Bank statements and asked them to take this off of my credit report since I am trying to buy a home. They sent me an email saying that they will close the account and send me a notice. That was in XXXX. The account however is still open and I have recieved a bill for XXXX dollars for a ophthalmology appointment in XXXX. I am a federal govt employee and have medical and eye vision care and would not need this for vision care and if they had closed the account as requested I would not be experiencing this. I called the Comenity Capital Bank regarding this XXXX to report this as fraud and was told it could take over 90 days to investigate this. I believe this bank has scam like tactics. Each time I have called they hang up or act agitated that I would even call them to complain about a product I have not used. They would not tell me what the charge was for. I only assume its for opthalmology because that is what is on the billing I have attached but did not have the date or the Dr name on the bill. They would not or could not give me that information .. Also they do not display an account number on the statement to identify with. I want this resolved. It's taking me years to clear up my credit to be able to purchase a decent car or even a home to have to deal with fraud at this time. The fraud investigator name at Comenity Bank name is supposedly XXXX XXXX his ID is XXXX and his number is XXXX. If this is even a real person or real identity. 

Thank you for your attention

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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: World Acceptance Corporation
State: TX

Complaint narrative:
To Whom It May Concern : I am submitting a formal complaint regarding a charged-off account currently being reported by World Finance XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX my credit file. This account was opened in XX/XX/year> and is listed with a balance of {$490.00} ( previously ). It is being reported as 'Charged off and sold ', with the remark : 'Purchased by another lender, Unpaid balance reported as loss '. 

I previously requested proper validation of this account in accordance with the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ). However, to date, I have received no verification or itemization of the alleged debt. Despite this, the account continues to be reported to the credit bureaus. 
This ongoing reporting without validation constitutes a violation of my rights under the FDCPA and may also violate the Fair Credit Reporting Act ( FCRA ). I am requesting the immediate deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: The CBE Group, Inc.
State: TX

Complaint narrative:
First of all, XXXX was in the wrong for sending this to collections, because they IGNORED the XXXX  XXXX discharge. Once this was turned over to CBE Group for debt collection, I began receiving postal mail and email from CBE. One bill is for {$490.00} on behalf of XXXX  XXXX XXXX, and another for {$160.00} for XXXX XXXX XXXX. Both are for dates of service in XX/XX/XXXX. I have REPEATEDLY mailed them copies of the XXXX  XXXX discharge ( Case No. XXXX ), discharged on XX/XX/XXXX. Both XXXX and CBE just act like they never receive my correspondence. They just continue to bill with no acknowledgement of having received the documentation. The XXXX  XXXX was filed on XX/XX/XXXX. The medical bills were added post-filing by a court-approved Change in XXXX XXXX on XX/XX/XXXX, which was prior to discharge on XX/XX/XXXX. Therefore, the medical bills were legally and properly added to the case before discharge. These creditors simply disregard this fact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I used a well-known local company to order some food for my daughters graduation celebration. I was supposed to be charged {$51.00}. There was a scammer on the other end who charged my account for {$1900.00} .. Then, this person tried to charge my account again after I had closed my card. Wells Fargo had issued me a provisional credit, and sent me a new card. I sent Wells Fargo all documentation of what I was supposed to be charged versus what I was charged. I figured that after being a loyal customer for a decade and a half, this wouldnt be an issue. However, I just received a letter that states that they had denied the claim, because I had authorized the charge, which I did not.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. I APPLIED FOR CARD A COUPLE OF DAYS AGO AND NOTICED THAT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE HELP ME TO RESOLVE MY ISSUE AS SOOSN AS POSSIBLE.

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 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I noticed these accounts on my credit file that I did not open. Someone is using my social security number, name, dob, etc to opened fraudulent accounts in my name. I was told by DEPT OF EDUCATION THAT THESE FRAUDULENT ACCOUNTS WOULD BE REMOVED, THEY ARE STIL REPORTING XXXX fraudulent ACCOUNTS TO XXXX, XXXX  AND XXXX  DEPT OF EDUCATION/NELNET Account number XXXX Under dispute Date opened XX/XX/XXXX Balance {$4000.00} Status Open. {$420.00} past due as of XX/XX/XXXX. 
DEPT OF EDUCATION/NELNET . XXXX Under dispute Date opened XX/XX/XXXX Balance {$1300.00} Status Open. {$140.00} past due as of XX/XX/XXXX. 
DEPT OF EDUCATION/NELNET XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open. {$190.00} past due as of XX/XX/XXXX. 
DEPT OF EDUCATION/NELNET . XXXX Under dispute Date opened XX/XX/XXXX Balance {$1800.00} Status Open. {$190.00} past due as of XX/XX/XXXX. 
DEPT OF EDUCATION/NELNET . XXXX Under dispute Date opened XX/XX/XXXX Balance {$1200.00} Status Open. {$130.00} past due as of XX/XX/XXXX. 
XXXX Under dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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:
This is a formal and final demand for the immediate deletion of the following collection accounts from my TransUnion credit report. These accounts are being reported in violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) due to lack of permissible purpose, unverifiable data, and improper reporting standards : 1. XXXX XXXX / XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$3400.00} 2. XXXX XXXX XXXX / XXXX XXXX Account # : XXXX Balance : {$4800.00} 3. XXXX XXXX XXXX / XXXX Account # : XXXX Balance : {$990.00} These accounts must be deleted based on the following violations : 15 U.S.C. 1681e ( b ) Reporting agencies must ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) You are required to conduct a reasonable reinvestigation of any disputed account.

15 U.S.C. 1681s-2 ( b ) Data furnishers must promptly correct or delete inaccurate or unverifiable information.

15 U.S.C. 1692g ( b ) Debt collectors must cease reporting and validate the debt upon request.

15 U.S.C. 1692e ( 8 ) Its unlawful to continue reporting a disputed debt without acknowledging the dispute.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal and final demand for the immediate deletion of all collections currently being reported on my Experian credit file. These accounts are reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). They are unverifiable, inaccurate, and incomplete and you are legally obligated to remove them if they can not be proven accurate beyond dispute XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX  ) Account # : XXXX Balance : {$3400.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # : XXXX Balance : {$4800.00} XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX  ) Account # : XXXX Balance : {$990.00} You are in violation of the following consumer protection statutes by continuing to report these accounts without providing adequate documentation : 15 U.S. Code 1681e ( b ) Requires Experian to maintain maximum possible accuracy of the information reported.

15 U.S. Code 1681i ( a ) Requires you to perform a reasonable reinvestigation of disputed information. If the data can not be verified, it must be deleted.

15 U.S. Code 1681s-2 ( b ) Furnishers must investigate disputes and delete or correct inaccurate or unverifiable information. Reporting unverifiable data is a direct violation.

15 U.S. Code 1692g ( b ) FDCPA Upon notification of dispute, collectors must cease collection and provide full validation of the debt. No such validation has been provided.

15 U.S. Code 1692e ( 8 ) Prohibits reporting information known to be false, or failing to mark disputed items as such.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account was put into a repossession status on the following date XX/XX/year> but shows a difference in account XX/XX/year>. Since then the account has repeatedly been improperly updated. This is an update in the payment history that is inaccurate. A repossession on your credit account should not show an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have thus failed to investigate this account property after I asked you to do it TWICE and your neglect has violated my rights and now i am demanding a deletion of the following account : Accounts Name : XXXX Account Number : 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 2025-08-02 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: VA

Complaint narrative:
This account was put into a repossession status on the following date XX/XX/year> but shows a difference in account XX/XX/year>. Since then the account has repeatedly been improperly updated. This is an update in the payment history that is inaccurate. A repossession on your credit account should not show an active payment history. This inaccurate information falsely manipulates the statute of limitations. You have thus failed to investigate this account property after I asked you to do it TWICE and your neglect has violated my rights and now i am demanding a deletion of the following account : Accounts Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against XXXX and Credit Bureaus for Reporting Negative Information in Violation of FCRA Dear CFPB Officer, I am writing to submit a formal complaint regarding the inaccurate and negative information being reported on my consumer credit report. I believe that XXXX XXXX XXXX, along with other credit reporting agencies, is in violation of the Fair Credit Reporting Act ( FCRA ), and I respectfully request that the Consumer Financial Protection Bureau investigate these practices and ensure immediate corrective action. 

Description of the Problem : My credit report is currently showing negative entries that : Are outdated, inaccurate, or unverifiable ; Were disputed directly with XXXX and/or other credit bureaus but were not corrected or deleted as required by law ; May have been reported or shared without a permissible purpose ; Were not fully disclosed to me when I requested my file, as required under 1681g. 

I have made multiple attempts to contact XXXX and credit reporting agencies to dispute this information under 1681i of the FCRA. Despite the timeframe allowed under the law ( usually 30 days ), these agencies have failed to conduct a proper reinvestigation or to remove the inaccurate data. This ongoing reporting is causing harm to my credit score, access to credit, and financial opportunities. 

Legal Statutes Breached ( FCRA ) : 1681e ( b ) : Failure to maintain maximum possible accuracy.

1681g : Failure to provide full file disclosure.

1681i : Failure to reinvestigate and correct or delete disputed information.

1681c : Reporting obsolete information ( older than 7 years or bankruptcies older than 10 ).

1681b : Furnishing reports without a permissible purpose.

Relief Requested : I am requesting the following action : 1. Immediate removal of all negative and unverifiable information reported by XXXX and other agencies from my credit report.

2. Confirmation that no further negative information will be reported without full verification.

3. Written notice confirming compliance and resolution.

4. If these bureaus or XXXX continue to violate the law, I request the CFPB to take appropriate enforcement action. 

Attachments : Copies of my previous disputes Current credit reports showing the negative items Any correspondence received from XXXX or credit bureaus Copy of my ID and proof of address I take my rights under the FCRA seriously and respectfully ask for your offices assistance in ensuring my credit history is accurate and fairly reported. The continued inaccurate reporting is causing me distress, credit denials, and unjust harm to my financial reputation. 

Sincerely, [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have a hard inquiry that was placed on XXXXXXXX XXXX that I had no knowledge of and did not authorize according to the FCRA reporting act that is illegal and I am requesting that that item to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: ID Analytics, Inc.
State: MN

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and health.

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 2025-08-02 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: PA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and health.

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 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I AM A VICTIM OF IDENTITY THEFT. I APPLIED FOR CARD A COUPLE OF DAYS AGO AND NOTICED THAT THERE ARE FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. PLEASE HELP ME TO RESOLVE MY ISSUE AS SOOSN AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute several unauthorized hard inquiries that have appeared on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681b ), a consumer reporting agency may not furnish a consumer report without a permissible purpose. 

Upon reviewing my credit report dated XX/XX/2025, I noticed one or more inquiries that I did not authorize and for which I gave no written or verbal consent. The inquiries in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX 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 2025-08-02 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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