vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection tradeline being reported by XXXX XXXX XXXX on my credit report. The account is tied to a rental property at XXXX XXXX XXXX XXXX ( XXXX XXXX ). 

I have received written confirmation from Fair Collections & Outsourcing ( FCO ) the last known and authorized collection agency for this debt that the account has been canceled in their office and that they have formally requested the item be removed from my credit file. I have included this letter as supporting documentation. 

Despite this, one or more credit bureaus are continuing to report the XXXX XXXX XXXX tradeline, even though XXXX XXXX : -Was never authorized to collect or report this debt ; -Was not the active collector at the time of cancellation ; - Can not provide proper verification of their authority to furnish the data. 

I have disputed this item with the credit bureaus and provided the FCO cancellation letter, yet the bureaus appear to have relied solely on XXXX XXXX unverifiable confirmation and have failed to conduct a reasonable investigation as required under FCRA 611 ( a ). 

I am also requesting the bureaus provide the method of verification as required under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) including the name of the party contacted, the documents used, and how verification was completed. So far, that information has not been provided, and the tradeline remains on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carter-Young, Inc.
State: TX

Complaint narrative:
Account XXXX, XXXXXXXX XXXX XXXXXXXX I'm unaware of this debt and did not even get 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 XXXXXXXX as soon as possible from my report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

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 Services , 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 NY XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$480.00} XXXX 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 : {$810.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$540.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX 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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: TX

Complaint narrative:
I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-07-21 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: GA

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

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 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Dispute of Unauthorized Charges Date : XX/XX/year> To : Comenity Capital Bank Attn : Dispute Resolution Department XXXX XXXX XXXX XXXX, OH XXXX Subject : Dispute of Unauthorized Charges Sephora Visa Credit Card Dear Comenity Customer Service XXXX XXXX am writing to formally dispute several unauthorized charges on my Sephora Visa Credit Card account ending in XXXX. I have reviewed my recent statements and identified multiple transactions that I did not authorize or recognize. 

Under your Zero Liability Policy, I understand that I am not responsible for unauthorized charges made with my account. The charges in question are listed below : Disputed Transactions : Disputed Charges XX/XX/year> Statement : XX/XX/year> XXXX XXXX XXXXXXXX XXXX {$75.00} XX/XX/year> XXXX XXXXXXXX XXXX XXXX WA {$250.00} XX/XX/year> XXXX XXXX CA {$5.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX  WA {$98.00} XX/XX/year> XXXX XXXX * XXXX XXXX  WA {$16.00} Disputed Charges XX/XX/year> Statement : XX/XX/year> XXXX XXXX * XXXX XXXX WA {$7.00} XX/XX/year> XXXX XXXX XXXX XXXX XXXX  WA {$17.00} XX/XX/year> XXXX XXXX * XXXXXXXX XXXX WA {$16.00} XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX CA {$6.00} XX/XX/year> - XXXX XXXX XXXX XXXX XXXX CA - {$26.00} XX/XX/year> - XXXX XXXX XXXX XXXX XXXX CA - {$20.00} XX/XX/year> - XXXX XXXX XXXX XXXX XXXX XXXX CA - {$19.00} XX/XX/year> - XXXX # XXXX XXXX XXXX CA - {$21.00} XX/XX/year> - XXXX XXXX  XXXX XXXX XXXX CA - {$5.00} XX/XX/year> - XXXX XXXXXXXX CA - {$18.00} XX/XX/year> - XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX {$12.00} XX/XX/year> - XXXX  # XXXX XXXX XXXX CA XXXX {$20.00} XX/XX/year> - XXXX XXXXXXXX XXXX CA XXXX {$16.00} XX/XX/year> - XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX were not made or authorized by me, and I have no knowledge of them. I request a full reversal of the charges, removal of any related interest or fees, These transactions are clearly erroneous and fraudulent. I respectfully request that you investigate these charges completely Please confirm receipt of this dispute in writing and let me know if any further documentation is needed from my side to complete the investigation. 


A COPY OF THIS DOCUMENT HAS BEEN SENT TO CFPB, COMPTROLLER OF CURRENCY, Federal Trade Commission ( FTC ). FOR A REVIEW. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Account ending in : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint regarding a collection account being reported by Equifax under the name XXXX XXXX, account number XXXX * * * *, dated XX/XX/year> for the amount of {$280.00}. This entry is inaccurate, misleading, and fails to comply with federal law under the Fair Credit Reporting Act ( FCRA ), particularly with respect to accuracy, verification, and reinvestigation requirements. 

I have never received proper notice of this debt from XXXX XXXX or any legitimate documentation substantiating its origin. It appeared suddenly and without context on my Equifax credit report. I have already attempted to resolve this issue through formal disputes, but Equifax has failed to conduct a legally compliant and meaningful reinvestigation as required under XXXX XXXX. XXXX. I was not provided any verifiable documentation proving this account is valid, nor any evidence that Equifax obtained confirmation from the original creditor or collector. 

Further, under XXXX XXXX. XXXX ( b ), Equifax is obligated to maintain strict procedures to ensure that the information it furnishes is accurate and complete. That standard was clearly violated here. Reporting this collection without clear attribution, contract, or breakdown of the alleged debt and without giving me a legitimate opportunity to challenge it represents a blatant failure to uphold data integrity and fairness. 

This item has had a devastating impact on my financial standing. It has caused serious damage to my credit score, led to rejections in credit applications, and disrupted my ability to obtain affordable housing and insurance. Worse, the emotional toll of seeing this unexplained debt persist without validation has been overwhelming. I have spent hours of time, energy, and emotional distress trying to dispute a debt that neither I nor any verified record confirms as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA XXXX, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX Account Number : XXXX * * * * Open Date : XX/XX/year>

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 2025-07-21 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: GA

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXX * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX * XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXXXXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXX  - Account Number : XXXX * * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} INQUIRIES : CALIFORNIA XXXX XXXX Date : XX/XX/XXXX CALIFORNIA XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: OR

Complaint narrative:
I am formally disputing accounts currently listed on my credit report that were opened and reported without my knowledge or authorization. I have never applied for, opened, or managed these accounts. Their presence is completely inaccurate, misleading, and unacceptable, as it misrepresents my financial history and damages my credit profile.

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 2025-07-21 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:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-07-21 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: NY

Complaint narrative:
I have been repeatedly unable to access my Experian account online despite numerous attempts, which denies me my legal right under the Fair Credit Reporting Act ( FCRA ) to review and monitor my credit file. Experians system errors and failure to resolve this issue have caused stress and financial harm because I can not monitor for errors or fraud. I have tried resetting my password, clearing cache, using different browsers, and contacting Experian by phone without resolution. This is an ongoing problem, and I request immediate correction and restoration of access.

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 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: CA

Complaint narrative:
I am filing a complaint regarding a collection account being reported by IQ Data International on my credit report related to a prior apartment at Rise at the Boro ( XXXX XXXX ). 

I have received a formal letter from XXXX XXXX XXXX XXXX ( XXXX ), who was the authorized collection agency, stating that the account has been cancelled in their office and that they have requested deletion of this item from the credit bureaus. 

IQ Data International is not authorized to collect or report this debt, yet continues to report it to XXXX or more consumer reporting agencies. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including XXXX, XXXX, and XXXX. 


Addl Reference : Collection account from IQ DATA INT with account # XXXX and a balance of {$8700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PR

Complaint narrative:
I am writing to dispute an account that is being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days. 

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additionally, 15 U.S.C. 1681b states that a credit reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of this account, and there is no signed contract or consent from me that justifies its inclusion in my credit report. 

Therefore, the continued presence of this account constitutes not only a result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that this account be blocked and deleted immediately from my credit report and that it no longer be reported in any manner. 

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report this account on my credit file. 

I have also requested copies of any contracts related to these accounts from the company reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MI

Complaint narrative:
b'XXXX XXXX XXXX XXXX   PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM XXXX XXXX XXXX  HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE XXXX, I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO XXXX XXXX OF THE FAIR CREDIT REPORTING ACT. I AM A XXXX OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS:\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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