vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
there was XXXX car loans and XXXX personal loan that was open under my name i filed a police report and i sent to the credit bureaus and companies these are the actions i took trying to clear theses accounts off my credit report all companies was rude and unhelpful XXXX XXXX XXXX XXXX was open XX/XX/year> for {$48000.00} XXXX XXXX XXXX XXXX was open XX/XX/year> for {$61000.00} XXXX XXXX was open XX/XX/year> for {$18000.00} Truist Bank was open XXXX XXXX for {$15000.00} and they dont want to remove these accounts.

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 2025-07-13 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:
XXXX XXXX XXXX XXXXXXXX Amount : {$1500.00} Date Opened : XX/XX/year>XXXX  Youre reporting an account that does not belong to me. Im requesting a 30 day investigation to prove this debt belongs to me. If you can not send me proof please delete this from my credit report immediately. Below are a few things I need to see in 30 days if not please remove from credit report. 

* Please show the original contract with my signature that shows I owe this debt. 
* I need to see the assignment contract between you and the original creditor. 
* Proof that this debt is within the statute of limitations in the state of Pennsylvania. 
* Proof that you are a licensed and bonded debt collector and can collect debt in the state of Pennsylvania. 

Thank you Ill be looking to hear back in 30 days, if not please remove this unknown account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX  XXXX BALANCED : {$15000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX BALANCED {$680.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCED {$180.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$140.00} DATE OPEN : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-14 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: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX XXXX XXXX  XXXX BALANCED : {$15000.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX BALANCED {$680.00} DATE OPEN : XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCED {$180.00} DATE OPEN : XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX {$140.00} DATE OPEN : 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 non-monetary relief
Consumer complaint received 2025-07-13 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: LEXISNEXIS
State: NY

Complaint narrative:
Sunday, XX/XX/XXXXXXXX  I received a copy of my credit report and am writing to dispute the following information that appears on all other reports as well as my XXXX  report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX Please remove immediately as it violated my privacy as per the FCRA ACT section 1681g. 
Please remove this inaccurate information from my credit report. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX Please remove immediately as it violated my privacy as per the FCRA Act section 1681g. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY, XXXX Date of Birth : XX/XX/XXXXXXXX  SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
Sunday, XX/XX/XXXX I received a copy of my credit report and am writing to dispute the following information that appears on all other reports as well as my XXXX report. 

Please verify or remove immediately the following accounts : XXXX XXXX XXXX XXXX XXXX Please remove immediately as it violated my privacy as per the FCRA ACT section 1681g. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX XXXX Please remove immediately as it violated my privacy as per the FCRA Act section 1681g. 
Please remove this inaccurate information from my credit report. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
RE : Account Name : COMENITYBANK/VICTORIA Account XXXX XXXX Amount : {$430.00} Subject : Formal Dispute and Demand for Deletion of Charge-Off Accounts Pursuant to XXXX U.S.C. XXXX & XXXX This serves as a formal dispute and demand for the immediate deletion of all charge-off accounts currently appearing on my credit report. I am asserting my rights under the Fair Credit Reporting Act ( FCRA ), specifically : XXXX XXXX Code XXXX which requires that consumer reporting agencies maintain procedures to ensure maximum possible accuracy of the information reported ; and XXXX XXXX Code XXXX which requires consumer reporting agencies to conduct a reasonable reinvestigation of any information disputed by the consumer and to delete or correct any unverifiable, inaccurate, or incomplete information. 
Upon reviewing my credit reports, I have identified charge-off accounts that are inaccurate, incomplete, and/or unverifiable. The continued reporting of this derogatory information, especially without concrete and verified evidence, constitutes a violation of federal law. 
Accordingly, I demand the following : A complete reinvestigation of all charge-off accounts currently listed on my credit file ; Immediate deletion of any charge-off entries that can not be fully verified for accuracy and completeness ; Written confirmation of the outcome of your investigation within the required XXXX period, as mandated by federal law. 
Should you continue to report unverifiable or inaccurate charge-off accounts, I will not hesitate to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ) , and consider seeking legal remedies for willful noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate collections account on my credit report related to a debt with ConServe. The account has been fully paid and settled ; however, it continues to be reported as being in collections.

I have made several attempts to resolve this directly with the vendor, ConServe, and have also submitted prior disputes to the agencies. Despite these efforts, the incorrect information remains on my report.

This inaccurate reporting is having a negative impact on my credit score. I am requesting that you conduct a reinvestigation into this account and remove the collection status from my report, as it does not accurately reflect the current status of the account. 

Please let me know if any further documentation is needed from my end to complete this process. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
Credit card account open, with company sparrow that has a currently balance of Statement Balance : {$780.00} Minimum Payment Due : {$210.00} Payment Due Date : XX/XX/XXXX I have a place a freeze on my account and still using my social security number The credit card company ask me to file a complaint with you guys, also i have received that the leak of my information was thru the company XXXX XXXX, because I have recv a application since the company XXXX XXXX was sued. 
United States XXXX XXXX for XXXX XXXX XXXX Montana In re : XXXX XXXX XXXX Data XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your Personal Information was impacted in the Data Incident involving XXXX XXXX XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX, you may be entitled to benefits from a settlement.

A Court authorized this Notice. This is not a solicitation from a lawyer. 

You can file your Claim Form here.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Credit card account open, with company XXXX that has a currently balance of Statement Balance : {$780.00} Minimum Payment Due : {$210.00} Payment Due Date : XX/XX/XXXX I have a place a freeze on my account and still using my social security number The credit card company ask me to file a complaint with you guys, also i have received that the leak of my information was thru the company XXXX XXXX, because I have recv a application since the company XXXX XXXX was sued. 
United States XXXX XXXX for XXXX XXXX XXXX XXXX In re : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your Personal Information was impacted in the Data Incident involving XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX, you may be entitled to benefits from a settlement. 

A Court authorized this Notice. This is not a solicitation from a lawyer. 

You can file your Claim Form here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Credit card account open, with company sparrow that has a currently balance of Statement Balance : {$780.00} Minimum Payment Due : {$210.00} Payment Due Date : XX/XX/XXXX I have a place a freeze on my account and still using my social security number The credit card company ask me to file a complaint with you guys, also i have received that the leak of my information was thru the company XXXX XXXX, because I have recv a application since the company XXXX XXXX was sued. 
United States XXXX XXXX for XXXX XXXX XXXX XXXX In re : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If your Personal Information was impacted in the Data Incident involving XXXX XXXX XXXX XXXX XXXX in XXXX of XXXX, you may be entitled to benefits from a settlement. 

A Court authorized this Notice. This is not a solicitation from a lawyer. 

You can file your Claim Form here.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
My XXXX XXXX XXXX XXXXXXXX is not reporting to my transunion

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Lendmark Financial Services
State: NC

Complaint narrative:
Lendmark Financial Services is inaccurately reporting late payments that I have disputed without resolution. I have not received adequate documentation to verify the accuracy or completeness of these derogatory marks. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, consumers are entitled to a reinvestigation of disputed information, and under XXXX ( a ), furnishers must provide accurate data and correct or delete unverifiable information. 
Additionally, XXXX XXXX. XXXX ( b ) requires that all information furnished to credit reporting agencies be as accurate and complete as possible. Lendmark has not produced any original documentation ( billing history, payment records, or account notes ) validating the reported delinquencies. 
Since the information is either inaccurate or unverifiable, I request that the CFPB intervene to compel Lendmark and the credit reporting agencies to remove the late payments from all XXXX  reports under XXXX XXXX XXXX, which allows for the blocking of unverifiable or inaccurate data. 
These entries are materially damaging my creditworthiness and affecting my ability to qualify for credit, housing, and financial services.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filing this complaint for inaccurately and unlawfully reporting a " Charge-Off '' status on my credit report. 
This account has been reported as charged-off, yet no IRS 1099-C has been issued, which violates 26 U.S.C. 6050P. This is a potential case of tax misreporting. Additionally, they are violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) by reportin
g unverifiable and inaccurate information. 

I have sent a notarized legal demand letter requesting deletion of the account, with full documentation, but no action has been taken. This situation is damaging my credit and financial standing. 

I respectfully request the CFPB to investigate and require immediate removal of this account from all consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I am filing this complaint for inaccurately and unlawfully reporting a " XXXX '' status on my credit report. 

This account has been reported as charged-off, yet no IRS XXXX has been issued, which violates XXXX XXXX. XXXX. This is a potential case of tax misreporting. Additionally, they are violating the Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ) by reporting unverifiable and inaccurate information. 

I have sent a notarized legal demand letter requesting deletion of the account, with full documentation, but no action has been taken. This situation is damaging my credit and financial standing. 

I respectfully request the CFPB to investigate and require immediate removal of this account from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  is not reporting to my equifax credit report Date Opened XX/XX/2015 paid off XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I noticed inquires reporting on my account that i never opened. I have never used my information to try to open any accounts with these companys. Ive been trying to get this handled and have had XXXX luck. Im worried in the future someone would be able to open accounts under my name. EQUIFAX INQUIRIES : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Now for the TRANSUNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( HOTEL AND TRAVEL ) XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
I noticed inquires reporting on my account that i never opened. I have never used my information to try to open any accounts with these companys. Ive been trying to get this handled and have had XXXX luck. Im worried in the future someone would be able to open accounts under my name. EQUIFAX INQUIRIES : XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX. Now for the TRANSUNION INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( HOTEL AND TRAVEL ) XX/XX/XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
My child support is up today in payments and stops me from getting a passport card and XXXX XXXX is still showing a debt that was payed in settlement

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
My child support is up today in payments and stops me from getting a passport card and XXXX XXXX is still showing a debt that was payed in settlement

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MOHELA
State: NE

Complaint narrative:
I have three fraudulent open loan accounts that are being reported to only XXXX. Missouri Higher Education Loan Authority have been sending me consistent, letters regarding past due payments. The earliest open account was opened XX/XX/year>, while the other two accounts were both opened on XX/XX/year>. The XX/XX/year>XXXX  account has a balance of {$1100.00} while the other two accounts have a remaining balance of {$6300.00} and {$2500.00}. I have never used any student loans and I have remained in my current residence over the last 15 years and have not moved out of state. I have had my identity stolen in the past to file taxes which I ended up getting resolved. These MOHELA open accounts are clearly fraudulent accounts from identity theft.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-13 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:
I sent a certified dispute letter to XXXX XXXX XXXX on XX/XX/year>, to the address listed on my credit report. This dispute was sent regarding two accounts they are collecting for XXXX XXXX XXXX  : XXXX ending in XXXX and the other in XXXX. The dispute was sent in accordance with FCRA 623 ( a ) ( 8 ) and FDCPA 809 ( b ), requesting full validation and investigation of both accounts. 



As of today, XXXX XXXX has failed to respond in any form no letter, no validation, no evidence of investigation. Despite this, they have continued contacting me by email, referencing both balances : {$1000.00} and {$1100.00}. This is an ongoing attempt to collect a debt that has not been validated, which violates FCRA and FDCPA. 



Furthermore, these accounts are still being reported to credit bureaus without resolution, despite my direct dispute and validation request over 30 days ago.

Company response to consumer: Closed with non-monetary relief