vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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: DE

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: PA

Complaint narrative:
Several companies accessed my credit report without authorization, harming both my credit and score. Despite prior assurances from your representative, these unauthorized inquiries remain. Their continued presence is alarming, raises concerns of identity theft, and is causing ongoing emotional and financial stress. Immediate action is required to resolve this.

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 2025-06-04 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: TX

Complaint narrative:
I have repeatedly disputed an inaccurate and derogatory account reported by XXXX XXXX XXXX on my Experian credit report. The account reflects a repossession, but the information is inconsistent and unverifiable. I submitted a formal dispute, full-file disclosure request XXXX XXXX XXXX XXXX XXXX, and a pre-arbitration notice XXXX XXXX XXXX XXXX XXXX directly to Experian. I also filed an FTC Identity Theft Report and included supporting documentation. 

Despite this, Experian continues to report the tradeline without providing proper verification, in violation of FCRA 611 and 605B. My credit report shows months and even years of inaccurate " R '' ( repossession ) codes with no clear timeline or final resolution. The comment history shows multiple disputes, but no investigation results or supporting documentation were ever provided to me. 

This inaccurate and damaging account is materially affecting my ability to secure funding, despite a strong credit profile otherwise. Experian has failed to uphold its reinvestigation obligations under the FCRA, and continues to report an account that is incomplete, misleading, and unverifiable.

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 2025-06-04 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: IN

Complaint narrative:
I am writing regarding fraudulent accounts resulting from a data breach that has affected my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts Inquiries XXXXXXXX XXXX XXXX XXXX XXXXXX/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 non-monetary relief
Consumer complaint received 2025-06-04 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:
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 non-monetary relief
Consumer complaint received 2025-06-04 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
In XX/XX/year>, Comenity Capital Bank charged me {$780.00} in deferred interest on my closed Dell Preferred account. I was not provided any direct notice that the promotion was ending or that interest would apply. I paid {$1000.00} immediately to settle the balance. 

On XX/XX/XXXX, they confirmed my dispute was filed and said it would be reviewed within 90 days. On XX/XX/XXXX, I was told the dispute was actually closed just 5 days after being opened, with no letter ever sent. This contradicts their own timeline. 

XXXX rep, XXXX ( ID XXXX ), falsely told me I still owed {$200.00} after I paid in full. She later admitted no separate notice of the promotion 's expiration was sent. I made repeated written and verbal requests for a breakdown of the charge and never received one.

Comenity failed to follow their own dispute process, gave conflicting information, and charged interest unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: NY

Complaint narrative:
This letter serves as notice that my credit report has fraudulent accounts due to a data breach. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete them 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 XXXX XXXX XXXX XXXX XXXX XXXX Please delete and block the following accounts from my credit report Accounts 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/year> submitted ftc regarding Identity Theft to Bank Of America. Didn't receive a response regarding this matter someone opened up an checking account in my name. I wasnt aware of the account once I found out regarding this matter as per THE FAIR CREDIT REPORTING ACT upon sect USC 501 the creditor BANK OF AMERICA was supposed to send me original copies regarding this matter never lived at addresses that they have on file. Enclosed is the FTC along with other supporting documents. Please assist with 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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am filing this complaint to formally request the immediate removal of one or more collection accounts being reported on my credit file by Midland Credit Management which appear on my credit report with XXXX XXXX XXXX XXXX 

In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g, I exercised my right to request debt validation from the collection agency. This request was made within the statutory 30-day period following the initial notice, and I provided it in writing as required.

However, the collector has failed to provide proper validation of the alleged debt including a copy of the original signed agreement, itemized charges, or proof of legal assignment of the debt. Per the FDCPA, until validation is provided, the debt must not be pursued or reported. Continued reporting of an unvalidated debt constitutes a violation of my rights under the FDCPA and the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681s-2.

In addition, the FCRA mandates that all information reported to consumer reporting agencies must be accurate and verifiable. Under 1681i ( a ), a credit bureau is required to delete any information that can not be verified after a reasonable investigation. 

Despite my formal dispute and request for validation, XXXX XXXX XXXX XXXX continues to report this unverifiable collection account, in willful noncompliance with federal law. This is unacceptable and has caused me significant financial and emotional harm. 

I also want to bring to your attention recent legal precedent that demonstrates a pattern of willful misconduct among credit reporting agencies. In particular : XXXX XXXX XXXX have both been sued for failure to adequately investigate disputed accounts and continuing to report inaccurate or unverified information. 

Notably, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, in which the courts reaffirmed that failure to correct or remove unverifiable information after a proper dispute constitutes a violation of the FCRA and entitles consumers to damages.

I am demanding : That this unvalidated and unverifiable account be immediately removed from my credit reports.

That Midland Credit Management and the credit bureaus cease reporting this debt unless and until full validation is provided in compliance with the law.

That a full investigation be launched into the continued furnishing of this information in violation of the FDCPA and FCRA.

I respectfully request the CFPB use its authority to hold the parties accountable and compel deletion of the account ( s ) in question. I am prepared to escalate this matter legally if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: TX

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 non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: FL

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MO

Complaint narrative:
I RESPECTFULLY REQUEST THE IMMEDIATE REMOVAL OF THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPORT, AS I DID NOT AUTHORIZE THEIR INCLUSION. IT IS ESSENTIAL THAT THIS INACCURATE INFORMATION BE DELETED PROMPTLY TO ENSURE THE ACCURACY AND INTEGRITY OF MY CREDIT 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 explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
The bank continues to play with my account and my funds. I have provided the bank what they asked for 4 times and every time its something new. I'm only doing what i was told to do by the customer service reps that are answering the phone. At XXXX they said submit my ID, XXXX Signatures, and a pass code and someone will contact me in XXXX days. I waited XXXX days call back they then proceed to tell me i need to submit everything on XXXX paper. Ok i do that and call back then they say of you have to convert the fill to PDF and we will then take XXXX days to review it again, This is a very bad so that would mean a week would have went by before they cleared this mess up. I have things that are being returned because of this block that was put on my account for NO REASON. Because a customer service rep heard a young XXXX man on the phone is how i'm taking this. Because once again No verification information was asked for - ALL SHE HEARD WAS MY VOICE and that was enough to say I was not me. SO XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
SoFi doesnt thoroughly investigate disputes I recently filed a atm dispute because my cash didnt dispense they denied my called in less than XXXX minutes I want to sue the company for there illegal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Hello I just a letter from Aldous & Associates saying I owe {$100.00} to a gym membership called XXXX XXXX. I havent gone to this gym for aleast 4 to 5 months. I have only gone twice in XXXX which is when I started the membership. I was then charged about {$70.00}, Im guessing it was for the first month. I dont know any gym that charged XXXX  for a membership. I tried canceling my membership but they couldnt. I want this debt owe gone. I also had my card cancelled so I dont know how Ive couldve gotten charged for it. Doesnt make sense. And to think I was still getting charged for this after months.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MD

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
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.

15 U.S.C 1681 section 602 A. 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 ) ( XXXX ) 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.

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 2025-06-04 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
In XX/XX/2024, I made a settle arrangement with XXXX XXXX, made a payment of XXXX per our agreement to close the account, then should the account to LVNV /Resurgent capital services/ ID XXXX with a balance of XXXX, I have reach out to them submitted copy of title, bank statement, settlement agreement, however they still refuse to delete this debit, they are still sending me emails to pay for this debt that was already paid before they purchased from XXXX, XXXX vin numbers match up, they can contact Ohio XXXX XXXX their is no loan on the title, i physically have title in my hand, receipt number from XXXX is XXXX, XXXX released the title on XX/XX/XXXX, had to get a replacement title because they did an electronic title

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: MS

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: GA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief