vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These fraudulent entries were made without my knowledge. Please ensure their removal from my credit record within 15 days under USC 1681g. Attached are relevant documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One visa credit card card limit {$5500.00} On XX/XX/year>, I called Capital One to dispute an account that I did not open. I explained that the account was created as a result of identity theft and asked for it to be removed from my credit report. Capital One claimed the account was mine and insisted that I was responsible. The next day, on XX/XX/year>, I filed an identity theft report with the Federal Trade Commission and submitted a police report to document the fraudulent activity. I also mailed a formal dispute letter to Capital One on XX/XX/year>. As of today, I have not received confirmation that the account has been removed. I am requesting a full investigation and deletion of the account in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in 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 non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Pursuant to the provisions outlined in 15 U.S.C. 1666b, payments received by creditors must be promptly credited and reported accurately. I hereby dispute the erroneous reporting of late payments on the following accounts : Credit card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  loan account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Credit card account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account 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 loan account opened at XXXX on XX/XX/XXXX account 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 collection account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXoan account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  collection account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit card account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX loan account opened at XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  account opened at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  as my payments were submitted timely. 
I demand immediate removal of this reporting error from my credit file. Failure to comply with this request may subject your agency to legal liability for violating federal law. Confirm the results of your all corrections made to my credit report within seven ( 7 ) calendar days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Repeated Unsolicited Loan Offers, Failure to Honor Do-Not-Call Request, Possible Misuse of Credit Information https : XXXX or ( XXXX ) XXXX option XXXX will reach their call center I am filing a complaint against a company called XXXX XXXX ( also referred to in voicemails as XXXX XXXX XXXX '' or similar ). This company contacts me daily with unsolicited messages claiming that I have been " pre-approved for up to a {$50000.00} loan. '' These robocalls and voicemails are constant and disruptive. 

I never requested any information from this company, nor did I authorize them to contact me. I have repeatedly requested to be removed from their call list, both through phone calls and voicemails. Every time I call back to speak with someone, I either get hung up on or transferred to someone who disconnects the call. Despite these efforts, the calls persist. 

I am deeply concerned that this company may be accessing or using my credit information without my consent to target me with these offers. The fact that they refer to specific loan amounts and pre-approval language suggests they may be using consumer credit data improperly for solicitation purposes. 

Today, I told a representative that I would be filing a complaint with the CFPB, and they again hung up on me. Their actions appear to be a violation of telemarketing regulations, the Fair Credit Reporting Act ( FCRA ), and possibly the Telephone Consumer Protection Act ( TCPA ). 

I am requesting that the CFPB investigate XXXX XXXX marketing practices, including : The source of the credit or personal information they are using Their repeated failure to comply with do-not-call requests Their unprofessional and evasive customer service conduct The potentially misleading nature of their loan offers This behavior is not only intrusive and harassingit may be unlawful. I would appreciate a formal investigation and any action that can be taken to stop this company from continuing these abusive practices. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am filing a formal complaint regarding the continued reporting of inaccurate and unverifiable late payment information by the XXXX major credit reporting agenciesExperian, Equifax, and TransUnionrelated to a joint auto loan account with XXXX XXXX. 

Despite submitting previous disputes under the Fair Credit Reporting Act ( FCRA ), the following unresolved violations persist : Experian continues to report late payments dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite having completed a reinvestigation, which they marked as completed, but then appended only a consumer disagrees note rather than conducting or documenting a meaningful review. 

The delinquency dates listed by Experian do not match the delinquency dates reported by Equifax and TransUnion, which indicates either data integrity issues or failure to maintain accurate records, violating FCRA XXXX ( b ). 

None of the credit bureaus have provided documentary validation from XXXX XXXX showing proof of these late payments, such as billing statements or communication of delinquencies. 

This issue has materially impacted my creditworthiness and continues to appear on my reports, despite being challenged multiple times. I am also attaching supporting documentation, including dispute letters sent to each credit bureau. 


Legal Basis : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed information 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete inaccurate or unverifiable information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am filing a formal complaint regarding the continued reporting of inaccurate and unverifiable late payment information by the XXXX major credit reporting agenciesExperian, Equifax, and TransUnionrelated to a joint auto loan account with XXXX XXXX. 

Despite submitting previous disputes under the Fair Credit Reporting Act ( FCRA ), the following unresolved violations persist : Experian continues to report late payments dated : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, despite having completed a reinvestigation, which they marked as completed, but then appended only a consumer disagrees note rather than conducting or documenting a meaningful review. 

The delinquency dates listed by Experian do not match the delinquency dates reported by Equifax and TransUnion, which indicates either data integrity issues or failure to maintain accurate records, violating FCRA XXXX ( b ). 

None of the credit bureaus have provided documentary validation from XXXX XXXX showing proof of these late payments, such as billing statements or communication of delinquencies. 

This issue has materially impacted my creditworthiness and continues to appear on my reports, despite being challenged multiple times. I am also attaching supporting documentation, including dispute letters sent to each credit bureau. 


Legal Basis : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy 15 U.S.C. 1681s-2 ( b ) Furnishers duty to investigate disputed information 15 U.S.C. 1681i ( a ) ( 5 ) Failure to delete inaccurate or unverifiable information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX, Account # XXXX ) that recently appeared on my credit report. I have no knowledge of this debt and was never notified about it before seeing it listed. I never applied for or authorized any account with this creditor. Reporting this account without my consent or prior notice violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy, and 1681b, which limits access to consumer reports to those with a valid permissible purpose. I am demanding this account be immediately deleted due to lack of verification and notice. This has caused harm to my credit and peace of mind.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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 XXXX 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 ) ( XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
b'"I sent a certified letter to Equifax XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via XXXX. The letter was received on XXXX. Equifax did not reply to my request I proceeded to send another letter dated XXXX which was also ignored. The account I am disputing is with bank:  \nXXXX XXXX ACC # XXXX  BALANCE $XXXXXXXX\nXXXX XXXX  ACC # XXXX  BALANCE $XXXX\nXXXX ACC # XXXX BALANCE $XXXX\nXXXX ACC #  XXXX BALANCE $XXXX'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These inquiries are unrecognized by me and could indicate fraud. Please take prompt action. Documentation is attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
XXXX. The * * account shows XXXX consecutive months of Charge-Off * *, which is inaccurate and misleading. A charge-off should appear only once at the time of designation. 
XXXX. The * * written-off amount is {$27000.00} * *, which exceeds the original balance ( which should be ~ {$25000.00} based on comparison with my XXXX report ). This amount appears inflated or erroneous. 
XXXX. The * * Original Balance and Monthly Payment fields are missing * *, which leaves the tradeline incomplete.

4. The * * Date of Last Payment is missing * * ( should be XXXX XXXX XXXX ), which is important for tracking payment activity. 
XXXX. The account does not list whether it has been * * sold or transferred * *, which should be disclosed under the FCRA if applicable. 
XXXX. The status line includes the comment * * Debt being paid through insurance * * but the account remains charged off and showing a balance, which is inconsistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: SD

Complaint narrative:
I am submitting a complaint regarding a XXXX late payment reported by Comenity Bank on my XXXX XXXX credit card account. This negative mark resulted from a {$2.00} balance that remained after I paid the full statement balance of {$320.00} on time in XX/XX/year>. The {$2.00} charge was not due to any new purchaseit was a post-payment system-generated fee applied after my full payment was received. 

I was enrolled in paperless billing and received no notifications or alerts that a balance remained. I only became aware of the issue months later when I received a phone call from Comenity Bank stating the balance had grown to nearly {$200.00} due to accumulated fees and that the account had been reported 90 days delinquent. I immediately paid the balance in full. 

Since then, I have made multiple good-faith efforts to resolve this directly with Comenity Bank XXXX including multiple phone calls and written requests via email asking for a goodwill adjustment based on my long-standing positive payment history. Despite these efforts, they have refused to make any correction. 

This isolated {$2.00} oversightresulting from a lack of noticehas caused severe credit damage and is now preventing me from successfully refinancing my home. The impact of this minor billing issue is clearly disproportionate and not reflective of my payment habits or financial responsibility. 

I am requesting CFPB assistance in encouraging Comenity to correct this situation by removing the XXXX late payment from my credit report, in fairness to my history and the serious consequences I am now facing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 ) ( 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