vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX2025, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA XXXXFailure to Conduct a Reasonable Investigation ( 15 U.S.C. XXXXXXXX ( a ) ( XXXX ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items. 
XXXX.Failure to Notify Me of Investigation Results ( 15 U.S.C. XXXX ( a ) ( XXXX ) ) The FCRA mandates that consumers be notified of the results of an investigation within XXXX days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated. 
XXXXFailure to Block Inaccurate Information Promptly ( 15 U.S.C. XXXX ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXXXXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX XXXX XXXX XXXX XXXX  XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA. 

Requested Resolution To resolve this matter, I demand the following actions : XXXXConduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft. 
XXXX.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed. 
XXXXImmediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, 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 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
Those debt os from XXXX or later. They got a judgment on myself. I didn't know about this debt. The judgment was from XXXX. They garnished my wages without any information. The amount was 3 times what the credit card limit. I had no knowledge of payments until my paycheck stub was online. This is not even with the company I had the credit card with. How can this be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). They did not conduct a proper or reasonable investigation into the disputes I submitted. Although I clearly identified inaccurate and negative items on my credit report, these accounts continue to appear without sufficient verification. As a result, my credit score has been unfairly damaged, restricting my access to financial opportunities and causing significant personal and financial hardship.

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 2025-07-16 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: FL

Complaint narrative:
I am filing this complaint because the credit bureaus have failed to meet their obligations under the Fair Credit Reporting Act ( FCRA ). They did not conduct a proper or reasonable investigation into the disputes I submitted. Although I clearly identified inaccurate and negative items on my credit report, these accounts continue to appear without sufficient verification. As a result, my credit score has been unfairly damaged, restricting my access to financial opportunities and causing significant personal and financial hardship.

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 2025-07-16 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-16 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I NOTICED WHEN I TRIED PURCHASING A HOME, I REALIZED I HAD DAMAGE TO MY Credit report, ACCODRING TO 15 U.S.C XXXX, there should not be any damage to my report. it's a defamation to my character.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: SC

Complaint narrative:
Credence Resource Management Opened XX/XX/XXXX Date updated on XX/XX/XXXX. Balance of {$290.00} Original Creditor ( XXXX XXXX ) Creditor is currently reporting on my credit report that I have no knowledge of. I am a victim of identity theft. The information listed above which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is a result of identity theft and fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint is a follow-up to an existing complaint filed on XX/XX/year> regarding fraudulent accounts. The original Complaint ID is TransUnion XXXX, Experian XXXX and Equifax XXXX. I am still awaiting the removal of fraudulent accounts as required by FCRA law. Please treat this as an urgent continuation of the unresolved matter as this is affecting my life tremendously. 

I would like to update my complaint with important new information : My legal name has changed from XXXX XXXX XXXX to my premarital name XXXX XXXX. I request that all records, communications, and corrections reflect this updated name. 

Additionally, the fraudulent accounts -XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} -XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXXXXXX XXXX XXXX Bank Account Number XXXX XXXX XXXX XXXX * * Balance : {$830.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX Bank XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX Bank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Multiple Accounts ) Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. 
Balances : Ranging from {$41.00} to {$2600.00} on my credit report have not been removed, despite being reported under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) which requires prompt blocking of identity theft-related information. 15 U.S.C. XXXXi Reinvestigation by the Credit Reporting Agency. They have not responded with results showing deletions of negative accounts. They are in violation of the laws. 


I respectfully request the immediate deletion of the fraudulent accounts and an updated credit report reflecting the corrections. Thank you for your continued attention to this matter.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This complaint is a follow-up to an existing complaint filed on XX/XX/year> regarding fraudulent accounts. The original Complaint ID is TransUnion XXXX, Experian XXXX and Equifax XXXX. I am still awaiting the removal of fraudulent accounts as required by FCRA law. Please treat this as an urgent continuation of the unresolved matter as this is affecting my life tremendously. 

I would like to update my complaint with important new information : My legal name has changed from XXXX XXXX XXXX to my premarital name XXXX XXXX. I request that all records, communications, and corrections reflect this updated name. 

Additionally, the fraudulent accounts -XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$18000.00} XXXX XXXX XXXXXXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$9800.00} -XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXXXXXX XXXX XXXX Bank Account Number XXXX XXXX XXXX XXXX * * Balance : {$830.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX Bank XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Balance : {$8700.00} XXXX Bank Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX ( Multiple Accounts ) Account Numbers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, etc. 
Balances : Ranging from {$41.00} to {$2600.00} on my credit report have not been removed, despite being reported under the Fair Credit Reporting Act ( 15 U.S.C. XXXX ) which requires prompt blocking of identity theft-related information. 15 U.S.C. XXXXi Reinvestigation by the Credit Reporting Agency. They have not responded with results showing deletions of negative accounts. They are in violation of the laws. 


I respectfully request the immediate deletion of the fraudulent accounts and an updated credit report reflecting the corrections. Thank you for your continued attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I opened a promotional financing offer through Bread Financial ( XXXX ) with a 0 % interest term, under the impression that I would avoid all interest as long as the balance was paid off by the deadline. I set up automatic payments, believing they would cover the full promotional balance by the expiration date. Unfortunately, I later discovered that the autopay was only set to pay the minimum due something that was not clearly disclosed or flagged. 

In addition, XXXX website was extremely difficult to access throughout the promo period. On multiple occasions, I had trouble logging in and monitoring my payoff progress. As a result, I missed the final payoff deadline by just a few days and was hit with a large retroactive interest charge despite my clear intention and effort to pay the balance in full within the promo period. 

When I contacted customer service to request a courtesy reversal, I was met with unhelpful responses. I was even hung up on when I politely asked to speak with a supervisor. I then spoke with another representative who refused to escalate my request or offer any assistance beyond reading from a script. These foreign call centers are not set up to help resolve anything, and keep you going in circles just to get you to give up. 

I feel this was a misleading and predatory practice. There was no clear warning that deferred interest would apply in full if I didnt take manual action, nor was there an effective alert system to remind me of the approaching deadline. I tried to log on multiple times but wasnt worried about it because I remembered setting up the payments automatically so it would run through the course of the promotional period. I even recall doing the math and dividing out the Monthly amount so something didnt register correctly and I was under the impression that it was taken care of on my end. When I went review things today after being very upset about a large retroactive interest charge I went to the automatic payments section and when going through the steps to ensure it wasnt going to happen again, I noticed that at the end of setting up the automatic payments it looks like you are all set, but theres another area you have to click to solidify it, but it is not prompted the same way everything is which is not coincidental. You think youre done and you set it up, but they sneak in that last step as a trap for you to miss it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: SANTANDER HOLDINGS USA, INC.
State: AL

Complaint narrative:
My car was repossessed after being 81 days late. Previously, they have called me almost every day when I was late, but there was no call or text message like usual. They repossessed my car I asked for paperwork all he could show me was a text message on his phone with my name. Once the car was repossessed, they told me to call back later once they get it in the system to tell him how much I owed then I called him back later and I was told to pay {$1700.00} which was {$1200.00} that was behind plus {$500.00} for the next payment. Then I called back two hours later to get my car released so I could pick it up and they told me that I owe the whole balance of the car {$15000.00} and that they wouldnt be giving me my XXXX back and they couldnt make arrangements for anything less than the total balance of the car. I believe this is fraud and I would like it investigated the creditors XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-16 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:
I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TransUnion Consumer Solutions. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 5. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy.

6. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report.

7. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. TransUnion Consumer Solutions. has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer.

8. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.

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 2025-07-16 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: NC

Complaint narrative:
A month ago, I submitted a complaint to these Bureaus, but the incorrect information on my report is still there. I haven't heard back from them, aside from your notification that the company has replied to my complaint. How can I trust that they've properly investigated the inaccuracies? What steps did they take to verify the accounts? This entire situation is really frustrating, especially since it's been over 30 days since I filed my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-07-16 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: FL

Complaint narrative:
I am submitting this complaint against Experian for failure to comply with the Fair Credit Reporting Act ( FCRA ) and FTC identity theft provisions. 
I submitted to Experian an identity theft report along with my government-issued ID and Social Security card . These documents clearly show that certain accounts on my credit report were the result of identity theft.

Despite providing all required documentation, Experian declined to remove or block these fraudulent accounts. This is a direct violation of my rights under the FCRA ( 15 U.S.C. 1681c-2 ), which requires a credit reporting agency to block fraudulent information within four business days of receiving : 1. Proof of identity ; 2. A copy of an identity theft report ; 3. Identification of the fraudulent accounts ; and 4. A statement that the information does not relate to any transaction I made.

Experians refusal to act has caused ongoing harm, including inaccurate negative information remaining on my credit report, damage to my credit score, and emotional XXXX. 
I have attached my original identity theft report, proof of ID and SSN, and copies of my communications with Experian to show that I complied with all legal requirements.

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