vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 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: MI

Complaint narrative:
I am writing to file a formal complaint against the furnishers and credit reporting agencies that are inaccurately reporting information on my credit file. These errors are causing significant harm to my credit profile and financial well-being. 

The inaccurate items on my credit report are as follows : Wrong Addresses XXXX XXXX XXXX, XXXX, MI XXXX This address is incorrect and does not belong to me. 

XXXX XXXX XXXX XXXX, XXXX, MI XXXX This address is also incorrect and does not belong to me. 

XXXX  XXXX XXXX XXXX Account # XXXX Reported with late payments. I dispute the accuracy of this reporting. 

Account # XXXX Reported with late payments. I dispute the accuracy of this reporting. 

XXXX XXXX XXXX Account # XXXX Reported as a collection, opened on XX/XX/XXXX with a high balance of {$1000.00}. I dispute this account as it is not valid. 

XXXX XXXX XXXX Account # XXXX Reported as a collection, opened on XX/XX/XXXX with a high balance of {$910.00}. I dispute this account as it is not valid. 

These entries are inaccurate, unverifiable, and damaging to my credit reputation. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute incomplete or incorrect information, and the furnishers/credit bureaus are required to investigate, verify, or remove the inaccurate data.

I request that the CFPB investigate these reporting errors and ensure that the credit reporting agencies and data furnishers comply with federal law. Specifically, I am demanding : Immediate removal of the wrong addresses from my credit file.

A thorough investigation into the disputed late payments and collection accounts.

Deletion of any unverifiable, inaccurate, or fraudulent accounts 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 2025-09-14 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I got an email from XXXX Stating that a credit card was opened in my name and that I needed to call and confirm before using the card. 

I called letting the company know that I did not apply for any new credit cards of lines of credit and created a fraud report. Then I froze my credit.

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 2025-09-14 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: Experian Information Solutions Inc.
State: AK

Complaint narrative:
I am submitting this complaint to formally request the immediate blocking and deletion of fraudulent accounts appearing on my credit report, which were created using my personal information compromised in the Equifax data breach. Despite submitting a detailed dispute letter to the credit bureauincluding proof of identity theft, a list of unauthorized accounts, and personal identifiersthey have failed to take appropriate action within the timeframe required by the Fair Credit Reporting Act ( FCRA ) 1681c-2 ( a ). These fraudulent accounts continue to harm my credit profile and violate my rights under federal law. I am asking the CFPB to investigate this matter and compel the bureau to permanently remove the disputed items, provide written confirmation of the actions taken, and ensure full compliance with the FCRA and other applicable consumer protection statutes. This issue poses an ongoing threat to my financial security and demands urgent resolution. 

XXXX XXXX - XX/XX/year> Account Name : XXXX XXXXXXXX, Account Number : 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 2025-09-14 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: PA

Complaint narrative:
I submitted a formal dispute to TransUnion on XX/XX/scrub>/2025 regarding one or more inaccurate, unverifiable, or incomplete items on my credit report. The bureau responded stating the account ( s ) were 'verified, ' but provided no documentation or explanation of the method of verification, despite my follow-up request under FCRA 1681i ( a ) ( 7 ).

I also submitted a Method of Verification ( MOV ) request on [ date ], which they failed to respond to within 15 days. This is a violation of my rights under FCRA and constitutes noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: ID

Complaint narrative:
My XXXX comenity credit card was stolen and on XXXX XXXX charges were made on my account. These charges were made out of state over XXXX miles from where I live. I contacted comenity via phone and spoke with their card protection department who told me they would close the stolen card and dispute the fraudulent transactions. A couple days later I called back to verify the disputes were opened because I had not recieved any communication, I was assured over the phone the disputes were in progress and no further action was needed from me at that time. 
On XXXX i contacted comenity again via secure message because I had still not recieved any communication and was again told that the disputes were opened and no further action was needed on my part. 
On XX/XX/XXXX comenity responds that no disputes are have been opened on my account and I now need to call the card protection line again to open the disputes. 

As of XX/XX/XXXX I have contacted comenity XXXX  times - twice via phone and XXXX times via their secure message on their app/website. The fraudulent charges are still on my account and I have recieved no communication about the XXXX disputed charges ( I have no idea if the disputes have even been opened ) Comenity is violating my rights under The FCRA by refusing investigate fraud, providing a dispute process, and holding me responsable for fraudulent charges

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-14 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Failure to Remove Fraudulent Accounts and Inquiries To Whom It May Concern, I am filing this complaint as a victim of the Equifax Data Breach. My personal information was compromised and has been used to open fraudulent accounts and generate unauthorized inquiries on my credit reports. I have submitted multiple disputes to Equifax, Experian, and TransUnion, yet the inaccurate and fraudulent items remain in violation of my rights under the Fair Credit Reporting Act. 
The fraudulent accounts that must be removed include : - XXXX Secured Card Charged-off, {$94.00} balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Charged-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection, {$180.00} XXXX In addition XXXX my credit files show numerous unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others XXXX XXXX XXXX These inquiries were not authorized by me.

Under FCRA 1681c-2, credit reporti
ng agencies are required to block fraudulent information within 4 business days once notified of identity theft. I provided proof of the data breach and identity theft, but these bureaus have failed to comply.

I request that the CFPB take action to ensure that : 1. The fraudulent accounts and inquiries are immediately deleted or blocked.

2. Written confirmation is provided that these items have been permanently removed. 
The ongoing reporting of these false items has caused me financial harm and continues to deny me fair access to credit. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 2025-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened an account at the start of XXXX and 2 weeks later it was closed with no warning both my personal and my business accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: IL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Failure to Remove Fraudulent Accounts and Inquiries To Whom It May Concern, I am filing this complaint as a victim of the Equifax Data Breach. My personal information was compromised and has been used to open fraudulent accounts and generate unauthorized inquiries on my credit reports. I have submitted multiple disputes to Equifax, Experian, and TransUnion, yet the inaccurate and fraudulent items remain in violation of my rights under the Fair Credit Reporting Act. 
The fraudulent accounts that must be removed include : - XXXX Secured Card Charged-off, {$94.00} balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Charged-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection, {$180.00} XXXX In addition XXXX my credit files show numerous unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others XXXX XXXX XXXX These inquiries were not authorized by me.

Under FCRA 1681c-2, credit reporti
ng agencies are required to block fraudulent information within 4 business days once notified of identity theft. I provided proof of the data breach and identity theft, but these bureaus have failed to comply.

I request that the CFPB take action to ensure that : 1. The fraudulent accounts and inquiries are immediately deleted or blocked.

2. Written confirmation is provided that these items have been permanently removed. 
The ongoing reporting of these false items has caused me financial harm and continues to deny me fair access to credit. 
Thank you for your immediate attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: IL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Complaint Failure to Remove Fraudulent Accounts and Inquiries To Whom It May Concern, I am filing this complaint as a victim of the Equifax Data Breach. My personal information was compromised and has been used to open fraudulent accounts and generate unauthorized inquiries on my credit reports. I have submitted multiple disputes to Equifax, Experian, and TransUnion, yet the inaccurate and fraudulent items remain in violation of my rights under the Fair Credit Reporting Act. 
The fraudulent accounts that must be removed include : - XXXX Secured Card Charged-off, {$94.00} balance - XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Charged-off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection, {$180.00} XXXX In addition XXXX my credit files show numerous unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and others XXXX XXXX XXXX These inquiries were not authorized by me.

Under FCRA 1681c-2, credit reporti
ng agencies are required to block fraudulent information within 4 business days once notified of identity theft. I provided proof of the data breach and identity theft, but these bureaus have failed to comply.

I request that the CFPB take action to ensure that : 1. The fraudulent accounts and inquiries are immediately deleted or blocked.

2. Written confirmation is provided that these items have been permanently removed. 
The ongoing reporting of these false items has caused me financial harm and continues to deny me fair access to credit. 
Thank you for your immediate attention to this matter. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
National Credit Systems is reporting an alleged collection account in the amount of {$650.00} on my credit report. I dispute this account in its entirety as it is inaccurate, unverifiable, and unlawful.

This furnisher is in direct violation of multiple federal consumer protection statutes : FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ) : National Credit Systems has failed to provide proper validation of the alleged debt. They are continuing to report and attempt to collect without producing evidence that I am legally obligated to pay this debt. Continued collection activity without validation is a clear violation of the FDCPA.

FCRA 623 ( a ) ( 1 ) ( A ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : By furnishing information to Experian, Equifax, and TransUnion that is inaccurate and can not be substantiated, National Credit Systems is reporting false information. Furnishers are prohibited from reporting information they know or should reasonably know to be inaccurate.

FCRA 623 ( b ) ( 1 ), 15 U.S.C. 1681s-2 ( b ) ( 1 ) : After I disputed this account with the consumer reporting agencies, National Credit Systems failed to conduct a reasonable investigation and failed to delete or correct the account as required by law.

FCRA 602 ( A ) ( 1 ) & 607 ( b ) : The continued reporting of inaccurate information damages the accuracy and integrity of consumer credit reporting and demonstrates failure to maintain reasonable procedures to assure maximum possible accuracy. 

This account is being reported without lawful verification, continues to harm my credit profile, has reduced my credit score, and has negatively affected my ability to secure housing, credit, and other financial opportunities. The repeated reporting and collection activity without proper validation is both abusive and unlawful under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Maximus Federal Services, Inc.
State: IN

Complaint narrative:
I am disputing inaccurate information related to my student loan ( s ) being reported to the credit bureaus. The reported balance ( s ) are incorrect and do not match my actual loan records.

I have contacted both the credit bureaus and the servicer, but the issue has not been corrected. These inaccuracies negatively affect my creditworthiness and financial standing.

I request that the CFPB review this matter and require the servicer and credit reporting agencies to correct the reported student loan balances to reflect accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am a victim of fraud and identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. INCLUDED IS MY FTC REPORT I dispute the following accounts which are a result of identity theft or fraud : 1. UNAUTHORIZED ACCOUNT, NOT MINE -- - XXXX XXXX XXXX XXXX 2. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXX 3. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXX 4. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXXXXXX 5. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX 6. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXXXXXX Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act. I have included my personal information to validate my identity and I request that all false information be deleted from my credit consumer report. Based on the previous information, I am hereby demanding deletions to the above referenced accounts from my consumer report file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c- 2 ) Block of Information Resulting from Identity Theft I saw addresses on there that are not correct I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE ENCLOSED A COPY OF MY POLICE REPORT, FTC REPORT AND IDENTIFICATION FOR YOUR RECORDS. I looked up your website and I have enclosed the proof of current address that you require. 
To make the deletion easier, here is a list of the incorrect addresses THAT NEED TO BE DELETED FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 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: CT

Complaint narrative:
I am a victim of fraud and identity theft. I am writing to dispute the following item on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or pretending to be me. They may have also used stolen identification and/or documents to obtain goods or services. I never authorized, used, or benefited from these accounts or transactions in any way. INCLUDED IS MY FTC REPORT I dispute the following accounts which are a result of identity theft or fraud : 1. UNAUTHORIZED ACCOUNT, NOT MINE -- - XXXX XXXX XXXX XXXX 2. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXX 3. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXX 4. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX XXXXXXXX 5. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXX 6. UNAUTHORIZED ACCOUNT, NOT MINE -- -- XXXX XXXX XXXXXXXX Please delete the disputed items on my report within four ( 4 ) days as required by the Fair Credit Reporting Act. I have included my personal information to validate my identity and I request that all false information be deleted from my credit consumer report. Based on the previous information, I am hereby demanding deletions to the above referenced accounts from my consumer report file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) and FCRA 605B ( 15 U.S.C. 1681c- 2 ) Block of Information Resulting from Identity Theft I saw addresses on there that are not correct I HAVE BEEN A VICTIM OF IDENTITY THEFT I HAVE ENCLOSED A COPY OF MY POLICE REPORT, FTC REPORT AND IDENTIFICATION FOR YOUR RECORDS. I looked up your website and I have enclosed the proof of current address that you require. 
To make the deletion easier, here is a list of the incorrect addresses THAT NEED TO BE DELETED FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CT XXXX XXXX XXXX XXXX # XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 2025-09-14 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: WA

Complaint narrative:
I disputed account XXXX with XXXX XXXX sent in a screen shot also to Experian and they ignored it. I disputed this account with XXXX credit reporting agency and they deleted account. I demand Experian dispute this account.

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