vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. 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. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-25 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: MD

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be both unauthorized and potentially fraudulent. I kindly request swift action to address this issue. Supporting documents are attached for your reference.

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 2025-07-25 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: PA

Complaint narrative:
Subject : Dispute of Charged-Off Account Incorrect Balance, Past Due Status & IRS 1099-C Reporting Re : Account # XXXX Creditor : XXXX XXXX XXXX XXXX Greeting I am formally disputing the reporting of the above-referenced charged-off account appearing on my credit report. Upon review, I believe this account is being reported inaccurately and in violation of federal credit reporting standards.

Specifically : The balance shown is incorrect. The account was charged off and may have been settled, discharged, or otherwise resolved.

The Past Due balance is inaccurately listed. Once an account is charged off, it is no longer legally considered past due in the same sense as an open account.

IRS Form 1099-C wasn't issued to me. If a 1099-C was filed by the original creditor and/or debt was canceled, then the creditor has effectively discharged the debt, and no balance should remain or be reported as due. The continued reporting of a balance after cancellation of debt is a violation of the FCRA and IRS regulations.

Under FCRA Section 611 [ 15 U.S.C. 1681i ], I am requesting that you conduct an immediate investigation and provide the following : Written verification from the creditor or data furnisher of the current legal balance.

A breakdown of how the Past Due amount was calculated Confirmation of whether the account was sold, settled, forgiven, or otherwise resolved Notification of whether the creditor issued an IRS Form 1099-C and when If the account was settled, forgiven, or a 1099-C was issued, the credit report must reflect a {$0.00} balance and no past due amounts, or the account must be removed entirely. 

Please complete your investigation within 30 days and provide written confirmation of the results. I am including the following supporting documents : If this information can not be fully verified, I request immediate correction or deletion of the entry under FCRA compliance.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : 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 Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$55.00} XXXX XXXX- Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: KY

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

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-25 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: SC

Complaint narrative:
Subject : Formal Identity Theft Complaint Request to Remove Unauthorized Inquiries from Equifax Report Delete these unauthorized credit inquiries from my Equifax report. I am a victim of identity theft, and I never gave permission to any company or person to access my credit or share my private information. Equifax is reporting five hard inquiries that I do not recognize, did not authorize, and never consented to. 

These are the inquiries that must be removed right away : XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX ) I have attached my FTC Identity Theft Report to show that someone used my information without my consent. Under federal law, Equifax must not report inquiries that were made without a valid reason or without my permission. 

These actions violate my rights under the following laws : 15 U.S.C. 1681b ( f ) No one can access my credit file without a legal and valid reason.

15 U.S.C. 1681c-2 ( FCRA 605B ) Credit bureaus must block fraudulent data within 4 business days when identity theft is reported.

15 U.S.C. 1681a ( 4 ) Protects the privacy of my non-public personal information.

15 U.S.C. 1681b ( a ) ( 2 ) Requires my consent before a credit report is pulled.

Equifax is breaking the law by allowing these inquiries to appear on my report when I never authorized them. This is hurting my credit, causing me stress, and violating my rights as a consumer. 

Please make sure these inquiries are removed immediately. I am asking the Consumer Financial Protection Bureau to help enforce the law and make Equifax follow the rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX 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 delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act.

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 2025-07-25 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: GA

Complaint narrative:
I am writing to formally dispute the continued presence of a fraudulent inquiry on my credit report. I previously submitted a dispute on XX/XX/XXXX, regarding an unauthorized inquiry by XXXX XX/XX/XXXX, and XXXX XXXX XXXXThese inquiries were not authorized by me, and I believe it is the result of identity theft. 

As of today, I have not received evidence that a proper investigation was conducted, nor was the inquiry removed. Under the Fair Credit Reporting Act ( FCRA ), Section 611, you are required to conduct a reasonable investigation and respond within 30 days. Failure to do so is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: IL

Complaint narrative:
I went in to XXXX in XXXX on XXXX and XXXX, I purchased an XXXX XXXX after around 7 days I decided I would no longer need this phone so I called XXXX to get instructions on how to return it. As instructed I returned the phone via XXXX after receiving a test message from XXXX on XX/XX/year> that my device was received I was assured that I had done my part to avoid any charges. I went on my credit recently and noticed XXXX said I owe XXXX $ with no missed payments and no explaination as to why it had been placed. I also never received any type of mobile or paper correspondance from the debt collector or XXXX. I called XXXX to resolve this issue. They identified that they received the device and that my account was never activated, but also said I need to call the collection agency to handle the issue because they already sold my debt to TransWorld Systems Incorporated. I then proceeded to ask how they where even able to sell an invalid debt to this agency even though they had proof they received my device. They said it was because even though they have proof I returned and never activated the item it is no longer in their hands so I now need to prove to the collections department with a receipt showing I returned the item. This baffled me because XXXX has the tracking information and proof that I returned the phone WAY before I was sent to collections. I am frustrated and also completely dumbfounded how XXXX was able to sell a close account to a collections agency who in turn applied it onto my credit. the account in question : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On XX/XX/2025, I was charged {$2900.00} in interest on my XXXX XXXX credit card. This charge was not disclosed in advance and appears to be tied to a promotional APR expiring or penalty interest. I received no warning about this sudden increase. 

My {$4000.00} credit limit was exceeded solely due to this interest charge, bringing my balance to {$4700.00} and putting me {$710.00} over the limit. The interest charge alone is 74 % of my total credit line, which feels predatory and unjustifiable. 

The original purchase that led to this situation was made under medical duress. I had exposed dental nerves and my insurance refused to cover root canal or crown procedures. I was in constant pain and unable to eat or drink without severe pain. Using this credit card was my only option to get urgent dental treatment and end the suffering. I did not take on this debt lightly. It was forced by medical necessity. 

I contacted the issuer immediately after discovering the charge. They told me there is only a XXXX grace period for reversal, and I had missed it by 3 days. Despite being enrolled in automatic payments ( with my last payment made on XX/XX/2025 ), and despite a history of on-time payments, they refused to assist in any way. 

I am requesting CFPB review this for predatory interest practices and help me obtain a reversal or detailed justification for how this is fair and legal. I should not be punished with thousands in surprise interest for seeking medical treatment to relieve intense pain.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-25 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: TX

Complaint narrative:
This late payment mark is incorrect and does not align with my actual payment history. I have been diligent in making timely payments, and I request an update to ensure accuracy in my records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

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 2025-07-25 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: FL

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

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 2025-07-25 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: FL

Complaint narrative:
This inquiry is not mine, and it's clearly fraudulent. I have no knowledge of these inquiries and request immediate action to address them. Please see the attached documents for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: FL

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

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 2025-07-25 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: OK

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

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 2025-07-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have had an ongoing claim with Bank of America and a claim they continue to deny Ive already opened multiple claims with you guys in regard 's to this matter however on XX/XX/year> Bank of America assigned a XXXX XXXX as point of contact she sent generic email that day stating she would help me get matter resolved and would be point of contact however she has yet to respond Ive left 100 voicemails as well as emails asking questions and trying to give documentation to help prove claim she refuses to respond Ive even went as far as telling her I was documenting Call dates time, etc. for my own personal records being that shes purposely ignoring the call that is literally breaching contract. They are supposed to be helping in this situation that just shows how deceptive they really are I have all proof of my claims. I have all proof of how theyre legally denying me. I have over XXXX denial letter since XXXX of this year auto denying this claim I had a supervisor the other day open up complaints on employees at Bank of America for lying to me over the phone as well as this lady here for not responding and shes supposed to be my point of contact. Nobody is even trying to help me in this matter and this is absolutely illegal and theyre just getting away with it. I got all the documentation Im going to attach.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone used my personal information to create a fraudulent Experian account using a phone number and email address that do not belong to me. Because of this, I can not access my Experian account or credit report, and Im unable to place a credit freeze for protection. ( XX/XX/year> ) I submitted my ID and FTC Identity Theft Report to Experian via email, but they have not resolved the issue or restored my access. I am concerned that my credit file remains unprotected and vulnerable to fraud. ( 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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$190.00}

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