vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 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: UT

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Details of the Account in Dispute : Account Number : XXXX ) XXXX, XXXX ) XXXX, XXXX ) XXXX Creditor Name : XXXX ) -XXXX XXXX XXXXXXXX, XXXX ) - XXXXXXXX XXXX XXXXXXXX, XXXX ) - XXXXXXXX XXXX XXXXXXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process.

Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information.

Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report. 
Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data.

Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I have repeatedly received a new Citi credit card that I did not request, sent for an account that I had years ago and closed. Each time ( 2-4 times ), I have called and told them account is closed and did not request, and do not send again. I just received another, which I cut up. This is obviously a deceptive, manipulative practice trying to entice me back in. If someone else opened and used the card, I would not know for at least a month, maybe much longer as I wouldnt be looking for it. This must be illegal. Thank you for any help ending this practice of Citi.

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 2025-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I applied for an XXXX credit card just to get 20 % off a big order and was supposed to receive the card in the mail. 

I wasnt even formally notified of my approval! I NEVER EVEN SET EYES ON THIS CARD. Forgot I even applied until I saw they were claiming I was bad for XXXX dollars. I make XXXX plus a year I DONT CARE ABOUT XXXX DOLLARS, WHO WOULDNT PAY THAT. 

I reported to XXXX that I did not make an XXXX dollar purchase, and they claimed to be investigating. When I called back they said there was no documentation of my dispute so I initiated the dispute AGAIN. Next time I called to check they said they had sold it off. 


I didnt even know about it I never got the card! They had an incorrect address on file and they told me the card doesnt need to be activated upon receipt. Whose horrible idea is that?? 

I disputed this with XXXX  and they are a XXXX mess. Their employees can barely speak above a XXXX grade level and provided inaccurate or nonsensical information to me several times. I recieved an email my dispute had been decided on and that docs were available but there were no docs and the app was saying it wasnt done yet. 

When I called the representative was saying oh no its not actually decided on but the creditor said they had received notification it was in their favor. 

Its illegal to favor them by giving them information significantly before I get access, and also after numerous attempts to be given insight on what evidence was used to prove I did owe that debt Ive been met with NOTHING. 

Theyre ruining my life and credit over XXXX dollars on a stolen card I never even saw with my own eyes

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I recently reviewed my credit report and discovered multiple accounts and inquiries that I did not authorize or recognize. I never gave written instructions or permission for these entities to access or report information on my credit file. This is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681 and 1681b. 

These accounts were added without my knowledge or consent, and I believe they are connected to identity theft. Ive already submitted an FTC Identity Theft Report ( Report # XXXX ), which confirms that Im a victim of identity theft. Despite this, the credit reporting agencies have continued to report these fraudulent items, which is unfair, harmful, and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: KY

Complaint narrative:
Personal Statemet CFPB ( XXXXXXXX XXXX  ) In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : Inquiry - XXXX  Inquiry - XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-28 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: TX

Complaint narrative:
Documentation and Verification Request under FCRA 1681s-2 ( b ) Please provide copies, confirmation, or evidence of the following items to verify the accuracy and legality of the reported account : 1. Signed contract. 
2. Full payment and charge-off history.

3. 1099-C copy or confirmation.

4. Cancellation date and IRS reason code.

5. Method of verification with supporting documentation.

6. Proof of Metro 2 compliance.

7. Audit trail of all tradeline updates. 
8. Furnishers name and license.

9. Proof of authority to report.

10. Proof the account was not re-aged.

11. Assignment and/or ownership documents.

12. If securitized : trust name, pooling and servicing agreement ( PSA ), chain of title, and UCC-1 filing.

13. IRS notices ( if any ).

14. Cease and desist all reporting and collection activity until verified.

15. Delete the account if it can not be fully validated.

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 2025-08-28 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: TX

Complaint narrative:
Documentation and Verification Request under FCRA 1681s-2 ( b ) Please provide copies, confirmation, or evidence of the following items to verify the accuracy and legality of the reported account : 1. Signed contract. 
2. Full payment and charge-off history.

3. 1099-C copy or confirmation.

4. Cancellation date and IRS reason code.

5. Method of verification with supporting documentation.

6. Proof of Metro 2 compliance.

7. Audit trail of all tradeline updates. 
8. Furnishers name and license.

9. Proof of authority to report.

10. Proof the account was not re-aged.

11. Assignment and/or ownership documents.

12. If securitized : trust name, pooling and servicing agreement ( PSA ), chain of title, and UCC-1 filing.

13. IRS notices ( if any ).

14. Cease and desist all reporting and collection activity until verified.

15. Delete the account if it can not be fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
This tradeline is being reported as an alleged obligation. I have no contractual relationship with Goldman Sachs Bank USA for this account, and I have not received any lawful validation despite formal dispute. Under FCRA 611 ( a ), their failure to respond within the statutory period means this account must be treated as not owed and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: IL

Complaint narrative:
See attached and other complaint. Other agencies updated/removed the account please do so as well so I can finish my mortgage approval. I may lose the home due to how long its taking to close the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing once again regarding the fraudulent account that continues to appear on my credit report. Despite my prior efforts to have this issue corrected, this unauthorized entry remains and continues to damage my credit. It is alarming and unacceptable that this matter has not been resolved after such a prolonged period, especially given that I am a victim of identity theft. My credit report also reflects incorrect personal information, which has contributed to this fraudulent account being linked to me. I have already filed an FTC report, as instructed by TransUnion, and provided the necessary documentation. Yet this account has been reinserted on my report without any explanation of how it was verified.

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 2025-08-28 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: NC

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 explanation
Consumer complaint received 2025-08-28 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: TX

Complaint narrative:
I received the attached email from PayPal that a credit card was opened on my account. I did not authorize this card to be opened and did not know about it until I received the email. I was able to cancel it through PayPal 's automated system. However, I was unable to reach anyone who could let me know who tried to open the card in the first place. I would like that information to know if someone tried to steal my identity.

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 2025-08-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called before 8am or after 9pm
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XX/XX/scrub>XXXX2025 * * Midland Credit Management , IncXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XXXX XXXX Re : Cease and Desist of All Communication * * To Whom It May Concern : Pursuant to my rights under the * * Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ) * *, I hereby demand that Midland Credit Management , Inc. immediately cease and desist from any and all communication with me, in any form, regarding any alleged debt you claim I owe.

This demand includes, but is not limited to : 1. Telephone calls to my home, work, or cellular phone.

2. Written correspondence, including letters or electronic messages.

3. Any indirect communications through third parties.

4. * * Reporting or furnishing information to credit reporting agencies ( XXXX XXXX XXXX or others ), as such reporting constitutes a form of communication under the FDCPA. * * You are hereby notified that any continued attempt to contact me, including credit reporting activity, will be documented and considered a violation of the FDCPA. Such actions may subject your company to legal liability, including statutory damages, attorneys fees, and other relief available under the law. 

This letter is not to be construed as an acknowledgment of any debt or obligation. I dispute the validity of any alleged debt you claim is owed. 

The only permissible communication you may send me after receiving this notice is a single written confirmation that you will comply with my demand. 

Sincerely, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-28 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: NY

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX Late Dates XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnisher misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Experian failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. 
Despite this, Experians reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-28 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:
The credit bureaus has fell to correctly protect my information during the data breach and is now doing so with a damn freeze on my profile. Every month accounts that were fraudulently on my account that were previously deleted do to fraud. I DEMAND THE REMOVAL OF ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX... This is XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ridiculous month after month The fraudulent account are continuously being added to my account when I haven't applied for anything. I shouldn't have a soft credit inquiry on my report or any inquiry since XXXX. I am not being sent information I have been requesting regarding these accounts, instead they will sent me a copy of a credit report I already have. VERIFICATION ARE BEING IGNORED AND IS TRULY UNFAIR. THIS IS CONTINUOUSLY DAMAGING MY XXXX XXXX XXXX XXXX XXXX XXXX  XXXX CREDIT REPORT AND I AM TO THE POINT WHERE I'M ABOUT TO SUE SOME XXXX XXXX XXXX XXXX XXXX XXXX XXXX BODY FOR ALL THIS PAIN AND SUFFERING DATED BACK SINCE BECOMING A VICTIM OF THEIR DATA BREACHES.

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 2025-08-28 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: CA

Complaint narrative:
My student loan account serviced by XXXX is current and in good standing. As shown in the attached XXXX  Account Summary dated XX/XX/year>, my last payment was received on XX/XX/year> and my next payments are not due until XX/XX/year>. There are no past-due amounts. 

Despite this, Experian continues to report my account as delinquent/late, which is inaccurate. I have disputed this with Experian, but the error was not corrected. XXXX has also not updated the reporting to remove the delinquency, even though my account is current. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers must report information that is accurate and complete. Reporting a current account as late is inaccurate, misleading, and unlawful.

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