vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: Bread Financial Holdings, Inc.

Complaint narrative:
I called the " Comenity Bread financial when I received a letter from them on XX/XX/year> regarding an account ending number was given in the letter that I never opened or knew of, since it was opened without my knowledge. The letter was dated XX/XX/year>. 

I am terrified because I am a XXXX of XXXX XXXX of age on social security and retired from working. The person I talked with said he would close the account. Please see a copy of the letter enclosed, The credit card account is called XXXX XXXX XXXX XXXX XXXX Credit Card account from the Comenity Capital bank. The phone number! XXXX It took many attempts to get through to the right person, his name he gave was " XXXX. '' The company kept requesting my SS number. I told them only the last four digits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
This debt was erased from my credit report prior, and then was placed back on my report. This debt also was paid prior as well. Please stop with the calls/threatening letters as well. I asked for you to stop contacting me. That request hasnt been acknowledged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
URGENT!!!! PLEASE REVIEW ALL PDF FILES ATTACHED I am writing to file an urgent and formal complaint regarding severe mishandling of my credit file by Equifax. Despite repeated attempts to correct my personal information, my credit report continues to reflect incorrect or missing data, specifically my date of birth ( XX/XX/year> ) and my legal name, which is XXXX XXXX XXXX. Variations such as " XXXX '' are incorrect and must be removed. 

Due to these persistent errors, Equifax has frozen my credit file unjustly. This has directly impacted my ability to obtain housing, employment, and transportation, and caused me emotional and financial suffering. Furthermore, I have repeatedly reported identity theft, including fraudulent accounts and utility bills opened in my name. Equifax has failed to investigate or correct these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
My name is XXXX XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-06-19 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: OH

Complaint narrative:
XX/XX/year> XXXX Experian Equifax Transunion Re : URGENT Dispute Multiple XXXX  Loan Accounts ( Account # XXXX ) To Whom It May Concern : I am writing to dispute XXXX XXXX  loan accounts appearing on my credit report that all list the same account number ( XXXX ) but show different balances, statuses, and payment histories. These accounts are being reported by Dept. of Education / XXXX and are present on all three credit bureaus. 

This reporting is inaccurate, misleading, and materially incomplete for the following reasons : XXXX. I only recall receiving a single student loan, which I believed was a grant. 
XXXX. These XXXX accounts all share the same account number, yet display differing balances, terms, and delinquency records. 
XXXX. These accounts were previously marked 'Paid/Never Late ' and only recently changed to reflect extreme delinquency ( XXXX days past due ). 
XXXX. This form of duplicate and inconsistent reporting may result from administrative or data-processing errors and violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ) regarding the accuracy and completeness of consumer information. 

I am demanding the immediate deletion of these inaccurate and duplicate accounts from my credit report. If the accounts can not be verified individually and clearly documented as separate legal obligations, they must be removed. 

Please complete a reinvestigation under FCRA 611 and provide written confirmation of the outcome. If these accounts remain unchanged, I will escalate to the Consumer Financial Protection Bureau, the Department of Educations FSA Ombudsman, and my state attorney general. 

I have enclosed identification and supporting documents and will retain a copy of this dispute for legal purposes. 

This CFPB complaint serves as my formal dispute for these accounts although I MAY also submit separate disputes for these accounts with each bureau. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX And XXXX Phone : 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 2025-06-19 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: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: OH

Complaint narrative:
XXXX $ was sent to my account on XX/XX/year> and then cash app locked my account because someone changed my email password and pin. I was advised it would be unlocked in 48hrs after waiting 3 days they unlocked my account but are refusing to reset my pin or withdraw my balance or transfer it. Theyre stating they cant override the request or Provide an eta of resolution or next steps.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-06-19 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: DE

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-19 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: DE

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required. 

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

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 2025-06-19 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: GA

Complaint narrative:
I disputed a dismissed bankruptcy ( XXXX  XXXX, Case # XXXX filed in the U.S. Bankruptcy Court XXXX ) that is still showing on my XXXX  credit report. 



XXXX  verified the record using a third-party vendor ( e.g., XXXX ) , but under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), they are required to verify the information directly with the source in this case, the bankruptcy court.

This case was dismissed, not discharged, so it should not be reported as a valid bankruptcy. I provided identifying information and requested removal, or direct court verification. 



XXXX  failed to properly reinvestigate, and continued to report the item without correction or direct verification. 



I am requesting that the CFPB investigate this violation and compel XXXX  to remove the dismissed bankruptcy from my report or verify it through the court directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am not responsible for the accounts listed in this dispute. They are fraudulent, and I demand their removal under 15 U.S. Code 1681g. Please complete this request within 15 days. I have attached documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Failure to Investigate Disputes, Remove Outdated Information, and Respond to Authorized Consumer Requests This complaint is being filed against all three major credit reporting agenciesExperian, Equifax, and TransUnionfor their failure to comply with the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/year>2025, I sent dispute letters along with copies of my identification and proof of address requesting that the bureaus : Delete all outdated and incorrect addresses listed on my credit reports Update my current, accurate address Investigate multiple unauthorized inquiries I never approved Conduct proper investigations into negative accounts appearing on my consumer reports Investigate and correct reported late payments that I formally disputed Despite providing full documentation and clear dispute instructions, none of the bureaus have responded with proper investigations or results. Instead, I continue to receive the same generic stall tactic letters accusing me of using a third party, which is categorically false. I am not a third partyI am the direct consumer submitting these disputes. 

This repetitive response shows a blatant disregard for their obligation under FCRA 15 U.S.C 1681i to properly investigate disputes and respond within the required time frame. They are neglecting their legal duty to ensure that all consumer data is accurate and verified. 

I am formally requesting that the Consumer Financial Protection Bureau ( CFPB ) step in and compel these credit reporting agencies to do their jobs. They must immediately re-investigate the disputes I submitted, remove the outdated information, and stop issuing baseless stall letters to avoid compliance. 

I will be uploading copies of the letters, my identification, and supporting documents I previously sent them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
On XXXX XXXX, I met with XXXX XXXX XXXX XXXX XXXX, to sell him a XXXX  XXXX XXXX truck that I owned, for {$25000.00}. I told XXXX XXXX that the best form of practice for the safety and security of the transaction would be the use of PayPal. We did the transaction and the money was transferred via our PayPal accounts. Prior to making the transactions we both contacted PayPal to ensure that we could do the deal through their platform. We were each given {$30000.00} as the limit. 
On XXXX XXXX, I tried to transfer the money from PayPal to my recorded bank account on PayPal. After charging a {$760.00} transaction fee, that was never disclosed prior to the transaction, PayPal placed a limit on my account and allowed me access to {$1900.00}. I called and asked about getting the limits removed, where I was required to verify the transaction along with proof of the vehicle that I sold. I sent pictures of the TITLE and VIN Number. Paypal said that my funds would be frozen for XXXX  days. 
I told the representative that 21 days was unacceptable especially since PayPal had already processed the transaction fee. I told them to refund the money and we would find another way to process the transaction. After doing a XXXX way call with XXXX XXXX, the rep said he would return the fees and we would have them back within XXXX business days. However, this has not happened and now PayPal is saying that the money is awaiting clearance from the funds.

I feel that PayPal is manipulating the process in order to get financial gains. After further review, I learned that PayPal has a history of manipulating holds of consumers ' money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: AmeriCollect
State: TX

Complaint narrative:
Underneath the new law, anything illegal to report medical bills to your credit reporting however XXXX XXXX and XXXX  both are reporting past due medical bills on my credit report which is harming me from getting a house loans, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: National Credit Systems,Inc.
State: PA

Complaint narrative:
Previous Complaint ID : XXXX Creditor : National Credit Systems , Inc . 
Consumer : XXXX XXXX XXXX : XXXX Response to Furnishers Statement : I respectfully reject the response submitted by National Credit Systems ( XXXX XXXX for the following reasons : Failure to Address the Core Issue of the Complaint : My complaint clearly stated that the creditor/furnisher is reporting multiple and conflicting mailing addresses to the credit reporting agencies, making it impossible to successfully verify the debt. My dispute letters were all returned to senderproving that the addresses they reported were invalid or changed without notice. 
The response from XXXX completely ignores this critical point and does not respond to the evidence of unreachability and FCRA 623 ( a ) ( 5 ) violation.

No Verification Was Provided : XXXX states that the original creditor contends the debt is owed and that theyve submitted the dispute to the credit bureaus. This is not verification under the FCRA. 
Simply stating that a creditor claims the debt is valid does not meet the legal standard for verification, especially when no documentation or contract showing liability has been provided to me. 

No Documentation Supplied to Me as the Consumer : Despite claiming documentation was provided, XXXX has not provided any such documentation to me directly, nor have they responded to my written certified disputes, which were returned undelivered. 

FCRA & FDCPA Violations Are Ongoing : FCRA 611 and 623 require furnishers and credit bureaus to delete unverifiable accounts.

FDCPA 809 ( b ) also requires the debt collector to cease collection and provide verification upon written request. 

XXXX has failed to do both, and instead provided a generic response to the CFPB while ignoring my actual mailed dispute. 

Request for CFPB Action : Investigate why XXXX is reporting inconsistent addresses and fails to respond via those addresses. 
Require that actual documentation be sent directly to me, the consumernot just submitted to the CRA. 
If XXXX can not validate the debt in accordance with federal law, I request the immediate deletion of the account from all consumer reports under FCRA 611 ( a ) ( 5 ).

I am prepared to escalate this matter to the Federal Trade Commission, the State Attorney Generals office, and a private FCRA attorney, if the account is not removed or validly verified.

Thank you for your continued attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-19 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: TX

Complaint narrative:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX 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 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 XXXXXXXX XXXX XXXXXXXX INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief