vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-01 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: WA

Complaint narrative:
I am submitting to formally dispute certain items appearing on my credit report that are inaccurate, incomplete, and not fully verifiable. These inaccuracies have negatively impacted my credit file and do not reflect accurate or up-to-date identifying information. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 611 ( a ) and 1681e ( b ), I am requesting that conduct a full reinvestigation to ensure that all personal and inquiry information reflected in my file is correct, verified, and reported with maximum possible accuracy. 
XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$14000.00} XXXX XXXX XXXX Balance : {$26000.00} XXXXXXXX XXXX XXXX Balance : {$320.00} XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA, XXXX CXXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, WA, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, WA, 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 2025-11-01 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-11-01 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: IL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-11-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Date Account First Reported : XX/XX/XXXX Date Account Deleted : XX/XX/XXXX Date Account Reappeared : XX/XX/XXXX Credence Resource Management previously reported a collection account to my credit reports beginning on XX/XX/XXXX. This account was removed from all credit bureaus on or around XX/XX/XXXX, following a dispute and deletion. 

The same account has now been reinserted into my credit reports without any prior written notice from any credit bureau, in violation of FCRA 611 ( a ) ( 5 ) ( B ). The Fair Credit Reporting Act requires that a consumer be notified in writing within XXXX ( XXXX ) business days if deleted information is reinserted. I never received any such notice. 

This unauthorized reinsertion and continued reporting of inaccurate information have caused measurable financial and emotional harm, including loss of credit opportunities, reduced credit score, and undue stress.

Additionally, the reinserted account may also reflect an altered or renewed Date of First Delinquency, constituting an illegal re-aging of debt under FCRA 623 ( a ) ( 5 ).

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 2025-11-01 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: TN

Complaint narrative:
I reviewed my credit report over the past XXXX XXXX XXXX months and there are items reporting on my credit file that do not belong to me. I have asked these companies many time to provide me with proof of these items. To date, I haven't received anything. I know that these companies are in violation of the Fair Debt Collection Practice Act and the Fair Credit Reporting Act. Please assist me in getting this inaccurate items removed from my credit file. The following items do not belong to me : XXXX - Opened in XX/XX/XXXX XXXX XXXX - Opened in XX/XX/XXXX Incorrect Address : XXXX XXXX XXXX XXXX Incorrect Address : XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX I. CEASE AND DESIST Pursuant to 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act, you must IMMEDIATELY CEASE AND DESIST all communication with me regarding the above account. 
This means NO phone calls, letters, emails, texts, or contact of any kind except to : XXXX. Confirm receipt of this letter XXXX. Notify me collection efforts are terminated XXXX. Notify me of actual legal action ( only if truly intended ) XXXX. ACCOUNT IN DISPUTE Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  I dispute this debt in its entirety. It is invalid, unverified, and unenforceable. 
XXXX. SUPREME COURT PRECEDENT - DELETION REQUIRED Your reporting violates established Supreme Court law : XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) The FCRAs purpose is to ensure fair and accurate credit reporting. You can not report unverified information. 
XXXX. XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXX ) I have due process rights before deprivation of property. My credit report is a property right affecting employment, housing, and credit access. Your unverified reporting violates my due process. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( XXXX ) You must use reasonable procedures and good faith when reporting. Your failure to verify demonstrates reckless disregard for accuracy. 
XXXX  YOU HAVE FAILED TO PROVIDE Original signed contract Complete account documentation Proof of legal standing to collect/report Verification of debt amount Chain of custody for assigned debt Reasonable investigation of dispute Without verification, you have NO right to report this account. 
XXXX  IMMEDIATE DEMANDS You have XXXX BUSINESS DAYS from receipt to : XXXX. DELETE ALL CREDIT REPORTING Remove all references from XXXXXXXX XXXX XXXX, and any other credit bureaus. 
XXXX. CEASE ALL COLLECTION ACTIVITY Stop all collection efforts. No lawsuits, liens, garnishments, or account transfers. 
XXXX. WRITTEN CONFIRMATION Confirm in writing that you have : Deleted all credit reporting Ceased collection activity Closed file permanently Will NEVER re-report or re-age this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
I went to sent a payment of XXXX on XX/XX/XXXX to Select portfolio they stated that they didn't receive it so I went down back down to the XXXX XXXX they tried to say that I must've gave them the wrong account number and that I should've double checked the numbers after the fact that I did double checked the account numbers. I went a head and sent another payment of {$210.00} on XX/XX/XXXX to keep my home from going into foreclosure and both transactions were rerouted to another account that lead by XXXX zeros followed by my account number. The XXXX XXXX lady reassured me that she did send it to the correct account but it was an system error that was of no fault of mines or hers. She escalated everything on her end and wrote a note for validation that my account went to portfolio servicing but into another account. I've also had prior issues from just a month ago when I had scheduled payment pull money out of my savings account and it never was not touched on my bank statement causing me to be late and it had reversed my account so I literally said that I wouldn't use that payment method every again and I cleary had over money in my account they try to say it didn't clear through my bank they also stated the same from this XXXX XXXX. Most disturbingly my payment for XXXX was pending when I called but the payment for XXXX wasn't found and they both was sent to the exact same account but most importantly my payment are being rerouted to another account and they aren't applying my mortgage making it look like I'm not paying my bills and will put me in foreclosure. I my payment arrangement was cancelled on XX/XX/XXXX but I sent the money and it was rerouted to another account that they said they are looking into but it wouldn't change the fact that thw money was supposed to be paid before the first in which I did what I was supposed to do and they don't expect payments by debit card. I believe that they are doing shady business and not applying the account on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 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: CT

Complaint narrative:
Subject : Reinserted Account ( XXXX ) After Deletion FCRA 611 ( a ) ( 5 ) ( B ) Violation & Identity Theft Dispute To Whom It May Concern, I am writing regarding the unauthorized reinsertion of XXXX or more accounts that were previously deleted from my TransUnion credit file as a result of identity theft. 
The reappearance of these account ( XXXX ) violates your obligations under FCRA 611 ( a ) ( 5 ) ( B ), which requires that if any information is reinserted into a consumers file, TransUnion must : Obtain certification of accuracy from the furnisher, and Notify the consumer in writing within XXXX ( XXXX ) business days. 
I have not received any such notice, which is a direct violation of the Fair Credit Reporting Act. 
Additionally, my personal information was compromised in a verified data breach. The fraudulent accounts at issue were either created or verified using stolen credentials. The documentation enclosed confirms this and supports the immediate permanent removal of the following reinserted accounts : XXXX. XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX Continued reporting of these accounts, especially after prior deletion and identity theft documentation, is a willful failure to maintain maximum possible accuracy under FCRA 602A, and a failure to conduct a reasonable reinvestigation under 611.

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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing certain collection accounts on my credit report that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable report. I request that these accounts be reviewed, and if they can not be confirmed as accurate, removed from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: MI

Complaint narrative:
I am filing this complaint against TransUnion, Equifax, and Experian for failing to accurately report, investigate, and correct errors on my credit reports as required under the Fair Credit Reporting Act ( FCRA ). 

After obtaining my credit reports from XXXX, I discovered multiple inaccuracies in both my personal identifying information and account reporting. I submitted formal written disputes to all three credit bureaus, including proper identification and supporting documentation, requesting a full reinvestigation, method of verification, and complete file disclosure under 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Despite my compliance with all FCRA requirements, the credit bureaus failed to conduct a reasonable and good-faith reinvestigation, continued reporting inaccurate and unverifiable information, and did not provide a valid method of verification. Their actions violate the following federal laws : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to perform a proper reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 5 ) : Failure to delete inaccurate or unverifiable information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681g : Failure to provide a full consumer file disclosure upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I am disputing certain collection accounts on my credit report that I believe are inaccurate. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to an accurate and verifiable report. I request that these accounts be reviewed, and if they can not be confirmed as accurate, removed from my 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 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harvard Collections, LLC
State: IN

Complaint narrative:
This debt just showed up on my credit last week. I dont know anything about it. I disputed it asking for info and sent a wrotten communication to the address on myncredit report. I have not had anything to do with dhs in a long time, so im not sure if this is fraud or what it is. I dont know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Midland credit management keeps reporting to my credit monthly regarding this suppose debt I owe they keep calling me to set payment plans for this bill I never created I keep disputing this off my credit but they saying its verified

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
XXXX XXXX charges a 39 % usury late fee and keeps it on your minimum due balance if youre ever late even once. I have already filed XXXX complaints with the XXXX and I see theyre already going through lawsuits due to their parent company, the bank XXXX  behavior. Thats illegal in my home state of South Carolina, where the highest they can charge is 18 %. I have seen multiple people negatively effected by this and at this point something needs to be done.

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 2025-11-01 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received an unsolicited Best Buy Visa Card from Citi Bank. The converted my Best Buy Store Card to a general Visa with a Best Buy Logo. I did not request this, I did not authorize this, and I do not want this. When I called they told me that " the system automatically created the account ''. Upon logging in I see my account # was changed and my balance was moved to this new Visa Card. When I said that I wanted to return to my old account, they said that they could not do that. XXXX was advised to write a letter to file a file a compliant about it to : Best Buy Executive Response Unit XXXX XXXX XXXX XXXX, KY XXXX This should be illegal!

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 2025-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-01 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: NC

Complaint narrative:
I checked my latest credit report and there were multiple accounts reporting that do not belong to me. These accounts are fraudulent and do not belong 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 non-monetary relief
Consumer complaint received 2025-11-01 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: NC

Complaint narrative:
I checked my latest credit report and there were multiple accounts reporting that do not belong to me. These accounts are fraudulent and do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-01 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: PA

Complaint narrative:
I just saw that the inaccurate accounts are still appearing on my credit report, and they were never removed. This is really upsetting, and I am begging that the documents I attached be reviewed carefully so I can finally stop stressing about this issue.

Company response to consumer: Closed with explanation