vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$60.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : 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 2025-06-04 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: TN

Complaint narrative:
I am disputing fraudulent accounts on my report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$950.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$110.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$60.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX - Account XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TN

Complaint narrative:
I have disputed two inaccurate accounts with Equifax multiple times, and they continue to verify them without providing proper documentation or resolving the issue. 

1. XXXX XXXXXXXX XXXX is reporting a late payment from XX/XX/2025 on an account I never opened or used. I never had any credit card or active account with them during that time. Equifax has repeatedly " verified '' this without giving proof or removing the error. 

2. XXXX XXXX XXXX is reporting a collection account with a {$0.00} balance. This debt is resolved and should not remain on my report. XXXX  deleted this same account due to failure to verify, but Equifax refuses to do the same. It continues to report as derogatory despite r balance or active collection. 
I requested verification and documentation from Equifax, but they only responded with generic dispute outcomes and never provided supporting proof. These inaccuracies are harming my credit and preventing me from securing stable housing and recovery assistance after a federally declared disaster. 

request immediate investigation and full deletion of both accounts under FCRA 607 ( b ), 605 ( b ), and 611 ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am reporting unauthorized accounts on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I paid off the debt and also there are inaccurate on my credit report dealing with this company. According to FCRA section 623 ( 15 U.S.C. 1681s - 2 ) Responsibilities of furnishers of information. Everything have to be accurate, the documents show that that its not accurate and it got paid off. I also got denied my 1099C. Under the Fair Credit Reporting Act ( FCRA ) Section 15 U.S.C.

1681i ( a ) ( 6 ) ( B ) ( iii ), I have not received sufficient notification regarding the results of your investigation nor proper documentation supporting the continued reporting of the disputed information. 
Violation of 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) Under this section of the FCRA, credit reporting agencies are required to : 1. Provide written notification of the results of a dispute investigation.

2. Include a detailed explanation for the determination made, including evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There was not any prof showing where I owe XXXX. I owe only XXXX, please adjust my bill accordingly.

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 2025-06-04 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: UT

Complaint narrative:
To Whom It May Concern, I am filing a formal dispute regarding the reporting of an XXXX. XXXX revolving account ( account number ending in XXXX ) on my credit reports with TransUnion, Experian, and XXXX. 

The account is currently listed as Chargeoff/Collection, yet it contains multiple contradictory and inaccurate statements, including : Account closed by consumer request Closed due to inactivity Canceled by credit grantor Charged off as bad debt These comments can not simultaneously be true. If the account was closed by me, it can not be charged off or canceled by the creditor. I request that this be corrected or removed. 

Additionally : The account shows a balance of {$7000.00} but {$0.00} past due, which does not make sense for a charged-off debt. 
No consistent payment history is listed across bureaus. Only Experian reports a CO status, while others have incomplete or blank history. 
The high credit amount is listed on TransUnion but not on Experian, indicating inconsistent and unreliable reporting. 
The Date of Last Activity differs between bureaus ( TransUnion : XX/XX/2023 ; Experian : XX/XX/2023 ), which can unfairly extend the reporting period. 

Under the Fair Credit Reporting Act ( FCRA ), this information must be accurate, complete, and consistent. If the furnisher of this data can not validate the charge-off with supporting documents and explain these conflicts, I respectfully request that the account be corrected or deleted entirely from all three bureaus. 

Please investigate and provide documentation of your findings. I look forward to a resolution in compliance with FCRA standards.

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 2025-06-04 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I disputed a negative account on my credit report with [ XXXX XXXX Equifax XXXX XXXX ], specifically an account reported by XXXX XXXX. 

The credit bureau responded by stating the item was " verified '' but did not conduct a reasonable reinvestigation as required under FCRA 611 ( a ). The creditor only provided [ e.g., basic billing statements ], which is not sufficient legal documentation to verify the account.

I also requested the method of verification, and the bureau failed to provide the name, contact info, or documents used, violating FCRA 611 ( a ) ( 7 ) and 623 ( a ) ( 1 ) ( A ).

I am requesting the CFPB require the credit bureau and data furnisher to either provide full, documented verification or remove the account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-06-04 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:
XXXX XXXX listed a XXXX  debt only on my TransUnion credit report. 

I disputed it with TransUnion, referencing the CFPB 's XX/XX/year> rule banning the inclusion of XXXX debt on credit reports. Despite this, TransUnion responded that the collection was verified as accurate, without any mention of the CFPB rule. 

This item does not appear on XXXX or XXXX further suggesting improper handling by TransUnion. I am requesting immediate deletion of this account in compliance with federal regulation.

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 2025-06-04 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: NC

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$83.00} Inquiries XXXX Date : XXXXXXXX XXXXXXXX  Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX Date : 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 2025-06-04 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: NC

Complaint narrative:
As a result of a recent data breach, my credit file now shows fraudulent accounts. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting their removal within 4 days : 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 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$83.00} Inquiries XXXX Date : XXXXXXXX XXXXXXXX  Date : XXXXXXXX XXXX XXXX Date : XXXXXXXX XXXX  Date : XXXXXXXX XXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX XXXX Date : XXXXXXXX XXXX XXXX Date : XXXX XXXX Date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Statement Regarding Interest Charge Discrepancy Capital One Credit Card Account I am submitting this statement to formally address a discrepancy observed on my Capital One credit card account following the close of my billing cycle on XX/XX/scrub>XXXX XXXX XXXX 

On the statement date, I reviewed my account expecting updates that typically reflect at the end of the billing cycle. To my surprise, no statement was available, and none of the expected updates were reflected. After checking the account multiple times, I noticed that the interest rate had updated, and was higher than the previous month, despite my balance being lower. 

I continued checking for the monthly statement but found nothing reflected online. 

At XXXX XXXX, I contacted Capital One customer service and remained on the phone for XXXX minutes. I explained the situation and asked for assistance, but the representative only sent me a link to the online platform, which still did not show my statement. When I requested an explanation of how the interest was calculated, no information was provided. 

I called again at XXXX XXXX and spoke with another representative for XXXX minutes. While she attempted to help, she ultimately informed me that she could not dispute the interest charges or provide any detailed explanation regarding their calculation. 

At XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX after my statement date ) I received an email notification that my statement was ready for viewing. Upon logging into my account, I observed that the published date on the statement was listed as XX/XX/year>, although it only became accessible on XX/XX/year>. 

Upon reviewing the statement, I noticed that the interest charge did not align with my balance or payment activity. Throughout the billing cycle, I made multiple payments. While most payments reflect the same transaction and posting dates, my final payment shows a transaction date of XX/XX/year>, and a posting date of XX/XX/year>, the last day of the cycle. I suspect this may have affected how interest was calculated. 

As of this statement, I have not contacted Capital One again after receiving the statement on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX as my previous XXXX attempts did not provide clarity. I now believe the interest charge may have been applied in error or miscalculated. 

I am requesting the following : A comprehensive review of the interest charges applied to my account for the most recent billing cycle, A written breakdown of how the charges were calculated, A correction and refund of any interest charges that were applied in error. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX, I contacted South Mississippi Collection Service about a {$50.00} medical debt reported to my credit by XXXX XXXX XXXX. I had received a notice dated XX/XX/XXXXXXXX XXXX XXXX, stating that unless I disputed the debt within 30 days, it would be assumed valid and reported. However, the debt was already reported to my credit by XX/XX/XXXXXXXX XXXX XXXX, which is less than 30 days from the notice date. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, which mandates a 30-day dispute window before such action.

I spoke with a representative named XXXX on XX/XX/XXXX, who confirmed XXXX contacted them on XX/XX/XXXX to have the debt removed. However, XXXX stated she could not provide any written documentation to show the debt was being deleted. Without documentation, I am unable to file an effective dispute with credit bureaus to remove the record from my report.

This charge stems from alleged receipt of XXXX  on XX/XX/XXXX, which I was unaware of, never authorized, and was never billed for prior to this collection notice. I was XXXX  during the VA procedure and XXXX XXXX by a driver. No medical equipment was knowingly accepted, and no DME was ordered properly through VA channels.


I am requesting : Immediate removal of this collection account from all credit bureaus. Written documentation confirming deletion. A full investigation into the improper timing of the report and whether XXXX or South Mississippi Collection Service is systematically violating veterans rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I previously sent a letter to the Bureaus regarding the inaccuracies and unknown entries on my credit report, but sadly, I haven't received a response even after 30 days. It feels like my concerns are being overlooked, and I'm not being treated fairly. As per Section 611 ( a ), if these issues aren't investigated within 30 days, they should be removed from my credit report without delay. Since that time has passed, I expect these accounts to be updated right away. If this doesn't happen, I may have to consider legal action due to the stress this situation has caused me. Moreover, my information was compromised in the Equifax, XXXX, and Transunion data breach, which adds to my worries about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
As a result of a data breach, my credit report now contains fraudulent accounts. In accordance with Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting they be blocked and removed within 4 days : 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 XXXX : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$80.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Opened : XX/XX/XXXX, Balance : {$350.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$810.00} Inquiries XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation