vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Collection Management Holdings, LLC
State: TN

Complaint narrative:
Credit Management Company XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX RE : Request for Debt Validation Account Name : XXXX XXXX Original Creditor : Tennessee XXXX XXXX XXXX Account Balance : {$1100.00} Date Opened : XX/XX/year> To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to formally request validation of the above-referenced debt, which is currently being reported on my credit report.

Please be advised that I am disputing the validity of this debt and requesting the following information : 1. Verification and itemization of the alleged amount of {$1100.00}.

2. The name and address of the original creditor ( Tennessee XXXX XXXX XXXX  ), and the services or charges that led to this debt.

3. A copy of any documentation bearing my signature that legally obligates me to this debt.

4. Proof that you are legally authorized to collect this debt.

5. A copy of the original medical billing statement, including dates of service.

6. A clear explanation of how the debt remains open while marked as unpaid.

Please treat this as a formal dispute. Until this debt is validated as required by federal law, please cease all collection activity, including reporting this account to any credit reporting agencies. 

If you are unable to provide this documentation, I respectfully request that you remove this account from any credit reporting you have made. Within 30 days of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I am filing this third and final complaint against Comenity Capital Bank for violating the Fair Credit Reporting Act ( FCRA ). Despite multiple disputes, mailed legal notices, and previous CFPB complaints, Comenity continued to report the XXXX credit card account as charged off even after I paid it in full in XX/XX/year>. They failed to update the reporting in a timely manner, and only submitted a deletion request after legal pressure without admitting wrongdoing or compensating for the harm. 

I lawfully requested my full account file, dispute investigation records, and verification documents under FCRA 609. Comenity refused to provide them, falsely claiming they only provide records in identity theft cases. This is legally inaccurate and violates my rights under federal law. 

I mailed a certified legal demand on XX/XX/year>, and a Final Notice Before Lawsuit on XX/XX/year>. Both were ignored. This shows a pattern of neglecting regulatory obligations, ignoring consumer protections, and refusing to comply with the FCRA despite multiple documented attempts to resolve the issue. 

As a direct result of their continued false reporting and refusal to respond : I was denied business and personal credit I had to use personal savings to fund my business after loan denials I needed a co-signer for my car loan at a high interest rate I was denied housing based on credit score I now pay $ XXXX in car insurance I experienced financial hardship and emotional distress Comenity has not only caused actual damages, but their repeated disregard for the FCRA is now grounds for statutory damages as well. I have exhausted all options and am now escalating this matter to federal court with legal representation to pursue full financial relief under the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: WA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I initiated disputes of the accounts in XXXX and Experian said that it came back verified. They didn't tell me how or who verified the information. I disputed a second time with Experian and attached the letter to my file. Experian said they were verified again. They keep giving me generic responses and won't give me any additional information. I want these late payments that are inaccurate removed from my Experian 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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: NV

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-27 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: NC

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am filing a complaint against Equifax for failing to correct serious mixed-file identity errors, which have now also resulted in my being locked out of my Equifax online account.

Equifax has wrongfully associated my personal information with that of another individual named XXXX XXXX. I have attempted to dispute this multiple times and provided documents verifying my identity. Despite my efforts, the inaccurate and cross-linked information has not been corrected. 

As a result of this unresolved issue : I am completely locked out of my Equifax online account. 
When I try to create a new account, the system states that an account already exists, yet I am unable to access or reset it. 
I now have no way to view or monitor my credit report, freeze or unfreeze my credit, or manage alerts and activity putting me at risk for identity theft or fraud. 
The emotional stress and time lost trying to fix this issue have been significant. 

This situation violates my rights under the Fair Credit Reporting Act ( FCRA ), which guarantees the accuracy of consumer reports and my ability to access my own credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
Over the last five days, I have contacted TransUnion more than 10 times in an effort to dispute and remove multiple unauthorized credit inquiries from my consumer report. These inquiries were made by creditors who had no permissible purpose to access my report. I clearly and repeatedly expressed that these were fraudulent and unauthorized, yet TransUnion has refused to take corrective action. 

Despite my persistence, TransUnion has not removed these inquiries and continues to report them, negatively impacting my credit profile. The presence of these inaccurate and unauthorized inquiries is causing real and significant harm to my credit standing. 

In addition, TransUnion has denied me access to their online service center, which prevents me from fully viewing or managing the personal and sensitive information they are maintaining about me. This denial further obstructs my ability to protect myself and correct the misinformation they continue to publish.

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 2025-05-27 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: MD

Complaint narrative:
This account has been previously disputed and requested for reinvestigation, and those requests are on file. However, Experian has denied my rights under the Fair Credit Reporting Act ( FCRA ) by failing to provide a detailed report of the reinvestigation process, as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). This lack of transparency is a direct violation of the FCRA and has materially affected my credit standing, creating unjust barriers in obtaining credit, employment, and housing opportunities.

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 2025-05-27 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: TX

Complaint narrative:
I was affected by a recent data breach, and unauthorized accounts have shown up on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX : XX/XX/year>

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This account is completely unfamiliar to me. I have no knowledge of it, no ties to it, and I never opened or authorized anything related to it. It appears to be incorrectly linked to my report, and its presence is both inaccurate and misleading. I take the accuracy of my credit information seriously, and this erroneous data does not reflect my financial history or activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX, XXXX, XX/XX/year>.

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 2025-05-27 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: SC

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-27 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: CA

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: TX

Complaint narrative:
I am submitting this complaint due to Experian, TransUnion, and Equifaxs ongoing failure to correct and remove inaccurate, outdated, and unauthorized personal identifiers from my credit file, despite multiple formal disputes and clear evidence in support of my claims. 

On oor before XX/XX/year>, I submitted a detailed dispute letter to all three major credit bureaus requesting the immediate deletion of personal information that is false, obsolete, and not associated with me. Specifically, I demanded the removal of name variations that do not match my legal name, prior and incorrect addresses, outdated employer information, and unauthorized phone numbers. These data points do not belong to me and their continued inclusion in my credit profile is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681 ( a ) ( 4 ) and 1681i.

These bureaus have not fulfilled their statutory obligations to investigate and remove unverifiable information within 30 days as required under FCRA 611 [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ]. Moreover, the failure to accurately report my personal identifiers constitutes a breach of their duty to maintain the maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

This misreporting has caused me significant emotional distress and concern over potential identity confusion or fraudulent activity. It has also affected my ability to obtain credit fairly and could lead to improper adverse decisions by potential creditors, employers, or landlords. 

Attached to this complaint are : A copy of the XX/XX/year>, dispute letter sent to all bureaus Proof of my current address My FTC Identity Theft Report Desired Resolution : I am requesting that the CFPB compel Experian, TransUnion, and Equifax to : Immediately delete all false, outdated, or unverifiable personal identifiers from my credit file. 

The only accurate and verifiable personal identifiers that should remain on file are as follows : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Provide a written confirmation that these deletions have been completed. 

Take appropriate steps to prevent such misreporting in the future, including a review of internal procedures for verifying personal information. 

Failure to remove this erroneous data not only violates federal law but puts consumers like myself at risk of identity theft and improper credit decisions. I urge the CFPB to investigate and enforce compliance.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this complaint due to Experian, TransUnion, and Equifaxs ongoing failure to correct and remove inaccurate, outdated, and unauthorized personal identifiers from my credit file, despite multiple formal disputes and clear evidence in support of my claims. 

On oor before XX/XX/year>, I submitted a detailed dispute letter to all three major credit bureaus requesting the immediate deletion of personal information that is false, obsolete, and not associated with me. Specifically, I demanded the removal of name variations that do not match my legal name, prior and incorrect addresses, outdated employer information, and unauthorized phone numbers. These data points do not belong to me and their continued inclusion in my credit profile is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 U.S.C. 1681 ( a ) ( 4 ) and 1681i.

These bureaus have not fulfilled their statutory obligations to investigate and remove unverifiable information within 30 days as required under FCRA 611 [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ]. Moreover, the failure to accurately report my personal identifiers constitutes a breach of their duty to maintain the maximum possible accuracy under FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ].

This misreporting has caused me significant emotional distress and concern over potential identity confusion or fraudulent activity. It has also affected my ability to obtain credit fairly and could lead to improper adverse decisions by potential creditors, employers, or landlords. 

Attached to this complaint are : A copy of the XX/XX/year>, dispute letter sent to all bureaus Proof of my current address My FTC Identity Theft Report Desired Resolution : I am requesting that the CFPB compel Experian, TransUnion, and Equifax to : Immediately delete all false, outdated, or unverifiable personal identifiers from my credit file. 

The only accurate and verifiable personal identifiers that should remain on file are as follows : Full Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Provide a written confirmation that these deletions have been completed. 

Take appropriate steps to prevent such misreporting in the future, including a review of internal procedures for verifying personal information. 

Failure to remove this erroneous data not only violates federal law but puts consumers like myself at risk of identity theft and improper credit decisions. I urge the CFPB to investigate and enforce compliance.

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