vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: MA

Complaint narrative:
Equifax Information Services LLC XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Subject : Request for Re-Investigation of Inaccurate Credit Report XXXX Dear Equifax Dispute Department , I am writing in response to the investigation results provided through the CFPB Complaint Portal concerning multiple accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) reporting on my credit file. While your response indicates that the accounts were " verified '' as belonging to me and subsequently updated, I am formally requesting a re-investigation pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The verification outcome provided lacks sufficient detail and fails to address my original dispute, which identified specific inaccuracies. Merely confirming that an account " belongs '' to me does not justify retaining erroneous or incomplete data. Updating fields such as scheduled payment, account history, or additional information does not clarify what was corrected or whether the original inaccuracies were fully resolved. 

To be clear, I am requesting that you : Provide the specific method of verification used to confirm the disputed information.

Identify the name and contact information of the furnisher ( s ) you contacted, as required by FCRA.

Re-investigate the disputed accounts, including a full review of the inaccurate data originally identified, not just a generic account update.

If the furnisher of the information can not verify the accuracy of the disputed items with adequate documentation, I request that you delete the information from my credit report entirely.

Attached are supporting documents for your review, which include [ list any documents you are including such as billing statements, payment confirmations, identity verification, etc. ].

Please send me a full explanation of your findings and an updated copy of my credit report once your re-investigation is complete. I expect this matter to be resolved within the 30-day period provided by federal law.

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
To Whom It May Concern, I am writing to formally file a complaint against Experian for reporting inaccurate information on my credit report and for failing to adequately respond to my dispute regarding this matter. On XX/XX/XXXX, I discovered several inaccuracies on my credit report maintained by Experian. Specifically, the following item ( s ) are incorrect : XXXX closed on XX/XX/XXXXXXXX XXXX XXXX  closed on XX/XX/XXXX inquiries XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act ( FCRA ), I submitted a dispute to Experian on XX/XX/XXXX to request an investigation into the inaccuracies and correction of the erroneous information. I included supporting documentation such as [ e.g., account statements, letters from creditors, identity documents ], which clearly demonstrate that the information in question is incorrect. Despite allowing Experian more than the 30-day timeframe allotted under the FCRA to complete their investigation, I have either received no response or a generic and unsatisfactory response that failed to address the inaccuracies. The incorrect information continues to remain on my credit report, negatively impacting my credit score and causing me financial and emotional distress. I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold Experian accountable for its failure to : Accurately report information on my credit report ; Conduct a reasonable investigation into my dispute ; Respond within the required time under federal law. Attached are copies of my original dispute letter, documentation provided to Experian, and any correspondence received. I appreciate your assistance in resolving this matter. I am requesting that the CFPB compel Experian to delete or correct the inaccurate information and ensure full compliance with the FCRA. Sincerely, 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 2025-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I hold a XXXX XXXX Credit card. Was informed XXXX years ago by Commenity Bank that They would no longer accept my on line payments.I had to receive and pay statements their statements. So I paid immediately upon receipt with a check.then they changed and said I had to pay on their website and I would be charged adm fee of {$2.00} if I received paper statement so I signed up for on line statement. I still get charged the paper statement fee. When I shop at XXXX I use my card for reward points but pay bill in full while still in store. I am getting charged for fees even though I have no balance. Today I received an online statement for {$22.00}. I drove XXXX miles to XXXX store and asked them to check my balance owing before I wrote a check and outstanding balance was {$23.00}. So in a few hours balance changed. My point is I dont owe this money, Commenity makes it difficult to make payment in full because they wanted All of my checking account information, AND the balance changes constantly wherein you are never paid in full. I have requested my credit card be cancelledI hope this takes care of my issue. However I wouldnt be surprised if Commenity continues with this unconscionable practice. This practice should be illegal.

Thank you for accepting my complaint. I know its a small amount but Commenity is doing this to a lot of people. Seems like a creepy way of making money. 


XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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:
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 2025-05-14 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have had a credit card in excellent standing with Bank of America for over fourteen ( 14 ) years. About XXXXXXXX XXXX XXXX I received my credit card statement from Bank of America, which had a charge that I never made, from a company I never heard of ( XXXX XXXX XXXX XXXX. I immediately disputed the charge by calling Bank of America and disputing it. I also disputed the charge in writing via facsimile and first-class mail. Then, I made sure not to use the card until my dispute was resolved so that there would be no other charges on the account other than the fraudulent charges and fees. Over the following thirteen ( 13 ) months Bank of America issued a temporary credit, then reversed it, then put it on again ; this went on for the 13 months in which more fraudulent charges from this same company was added to my card, however, I still never used my card, not even to this day, but kept disputing the fraudulent charges in writing every time I received an erroneous credit card bill. Finally, I received a Letter from Bank of America, dated XX/XX/XXXX, stating that they resolved my claim in my favor and would remove the charge and any associated charges, fees, and penalties. Two days ago, I received a Statement saying that I was late in my payments and owed {$410.00}, all related to the fraudulent charge that they claimed to remove. I spent two hours on the telephone with five different departments, but they all said they were unable to help me, and there was nothing they could do. Meanwhile, Bank of America is ruining my good name by reporting incorrect information, and I am told they closed my credit card account with any notice to me, which is why all of their representatives who tried to help me, could not.

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 monetary relief
Consumer complaint received 2025-05-14 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: OH

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 ) ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Subject : Unfair Reporting of Paid Charge-Offs by Capital One To whom it may concern, I am writing to formally file a complaint against Capital One regarding two charge-off accounts that I have paid in full but which are still being reported negatively on my credit report. Despite resolving these debts, Capital One has declined to remove or update the status of these accounts in a way that reflects the payments I made in good faith. 

While I understand I fell behind on these accounts in the past, I took full responsibility and paid them off entirely. My intent was to improve my credit and move forward, yet Capital Ones continued reporting of these as charge-offs is now preventing me from accessing better financial opportunities, securing housing, and progressing in life. I have submitted goodwill letters directly to Capital One, explaining my situation and requesting a gesture of leniency, but they have been unwilling to assist. 

I find this to be unfair and detrimental to consumers who are actively working to rebuild their credit. It is disheartening to know that even after settling debts, the damage continues without any flexibility or acknowledgment of repayment. 

I respectfully ask that the CFPB investigate this matter and assist in advocating for the removal or positive adjustment of these accounts from my credit report. I am simply trying to move forward in life after taking responsibility for past mistakes. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Im writing regarding an account currently listed on my credit report. Im asking that you certify, in full, that every piece of information tied to this account actually belongs to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: VA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: IN

Complaint narrative:
Account CREDIT COLLECTION SERVICES XXXX XXXX I'm unaware of this debt and did not have the opportunity to dispute the account. If you believe you have sent proper notification, please provide " Certified Mail '' with receipt displaying my signature. If not, please delete account XXXX  XXXX as soon as possible from my credit report. or i will take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Audit & Adjustment Co. Inc.
State: WA

Complaint narrative:
I am being wrongfully pursued for a towing bill by Audit & Adjustment Company for a XXXX XXXX XXXX that I sold in XX/XX/XXXX. The car was towed in XX/XX/XXXX, nearly 10 months after I transferred ownership. I provided the agency with a signed bill of sale, a copy of the buyers ID, the signed title, and a letter from the XXXX  XXXX confirming I was the registered owner at the time of towbut not the legal owner. 

Despite this documentation and my formal written dispute, the agency continues to pursue collection. Ive been hung up on multiple times, and one representative said further proof could help, but Ive already submitted all legal documents. 

Under XXXX XXXX and the Fair Debt Collection Practices Act, I am not liable. I am requesting the Attorney Generals assistance to have this collection action stopped, my name removed from the account, and confirmation that this debt will not be reported or pursued against me further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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 to formally address concerns regarding potential fraud resulting from a national data breach in which my personal information was compromised. Upon reviewing my credit reports, I discovered several unfamiliar accounts that I did not open or authorize.

To resolve this matter, I have already : Requested debt validation from the Credit Reporting Agencies ( CRAs ), but they have failed to provide sufficient documentation.

Filed an FTC complaint ( attached ) regarding these suspicious accounts.

Supporting Documentation Attached : Copy of my government-issued ID ( for verification ) Copy of my FTC complaint National Data Breach Report ( NPD ) confirming my information was exposed Debt validation request letter previously submitted Action Requested : A full investigation into these disputed accounts.

Removal of any unverified or fraudulent accounts from my credit file under FCRA 605B.

Written confirmation once this dispute has been resolved. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Williams, Rush & Associates, LLC
State: NV

Complaint narrative:
XXXX XXXX XXXX {$1300.00} spoke to a representative XXXX at XXXX the female that I spoke to was rude to say the least. I explained to her the situation and she had no empathy for the situation and told me anyone can use that excuse its not in XXXX and white ( which it is ). She explained she has her own credit repair company in which I have no idea why this information was relevant to the reason I was calling. She said she was a victim of identity theft in which its not a reason. She also threatened that the IRS was coming for me to pay a debt and that my bank ( that I dont have ) was notified. She used wage garnishment threats and dismissed the reason of my call all together and then hung up. Very rude, ignorant and disrespectful. She definitely needs some help to be that angry over my response to an account that Im calling to inquire on is a different type of issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

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

Company response to consumer: Closed with explanation