vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: NV

Complaint narrative:
The ongoing issue never stops as it continue to manifest the letter as my documents sent by mail certified mail even envelope and I asked for the postal people to dummy prove it and still say not legible im tired of excuses and excuses

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 2025-05-20 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:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request proper resolution. 
Unauthorized inquiries to be removed : [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX ] [ XX/XX/XXXX ] [ XXXX XXXX XXXX ] [ XX/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 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
I was sent email stating if I applied for and used XXXX credit card by XXXX Id receive several promotional offers including but not limited to XXXX store points. I called on XXXX and talked to ven and asked about why I havent received points. She said she couldnt give me the points and offered XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: MD

Complaint narrative:
I am disputing the information reported by XXXX ( Account XXXX ) on my TransUnion credit report. This account is being inaccurately reported. Reporting this information without my written consent violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a ( 4 ), 1681b ( 2 ), and 1681c-2. Such unauthorized reporting is a serious violation of my privacy and consumer rights. This inaccurate information is negatively affecting my ability to secure essential housing and critical business funding, causing significant personal and financial hardship. Under 15 USC 1681n and 1681o, I am entitled to pursue damages of {$1000.00} per violation for willful or negligent noncompliance with the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Ability Recovery Services, LLC
State: SC

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

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 2025-05-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
They have not validated my debt and constantly call me to collect at all times, I did not make any contract with the collection company I do not owe them and much less that the initial amount continues to increase

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently noticed an inquiry on my credit report that I did not authorize. This inquiry was done online without my knowledge or consent, and I consider it to be fraudulent.

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: TN

Complaint narrative:
my credit report account showing late and i have not been late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MARINER FINANCE, LLC
State: TN

Complaint narrative:
my credit report account showing late and i have not been late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: UPGRADE, INC.
State: MO

Complaint narrative:
I found an INACCURATE negative item on my CREDIT REPORT. I contacted UPGRADE INC, recieved no verifiable response, and am requesting a full investigation under the FAIR CREDIT REPORTING ACT ( FCRA ). Please REMOVE & DELETE this unverifiable item.!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
b'XXXX XXXX XXXX\nXXXX\nOpened\nXXXX\nDecode\n XXXX XXXX XXXX XXXX, TX XXXX\nXXXX\nOrder Supplement\nReported\nXXXX\nRemarks\nACCT IN DISPUTE XXXX |\nAdditional Dates\nLast Activity Date XXXX; Last Payment Date XXXX\nXXXX\nAccounts Open Late XXXX\nCredit Limit\nXXXX\nXXXX\nXXXX XXXX\nCREDIT HISTORY\nAccounts in Dispute\nHigh Credit\nBalance\nXXXX\nAccount Type\nCredit Limit\nScheduled Pymt\nXXXX XXXX\nXXXX\nCatagory\nActual Paymont\nXXXX XXXX XXXX Past Due\nSO\nPayment History\nXXXX\nXXXX XXXX XXXX|\nXXXX XXXX Date\nXXXX XXXX XXXX\nLast Activity\nXXXX PAYMENT\nManner Of Psyment\nCURRENT-1\nXXXX\XXXX XXXX:\nXXXX\nXXXX\nXXXX0\nXXXX\nXXXX\nData\nSource\nXXXX\nXXXXnXXXX\nXXXX XXXX Amount\nLast Diq Date\nXXXX XXXX XXXX\nBalance\nXXXXnSched Pymt\nActual Pymt\nXXXX\nXXXX\nPast Duc\nXXXX\n30 days late 60 days Late\nXXXX\n90+ date Late\nXXXXn\nThis account does not belong to me and I want you to check the SSN, it is not mine.\nThank you.'

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 2025-05-20 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: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
In early May, I submitted a dispute through Experian regarding a late payment XXXX XXXX reported for XX/XX/year>. On XX/XX/XXXX, I received a letter stating they conducted an investigation and determined the late payment was accurate. I called XXXX XXXX to let them know I never received any supporting documentation when the late payment was first reported, and I requested the evidence they used to verify its accuracy. I also reminded them that under the Fair Credit Reporting Act ( FCRA ), I have the right to be informed of the details of their investigation. The representative told me they couldnt locate any documentation, yet they still refused to remove the late payment from my credit report.

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 2025-05-20 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 two Bureaus 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 : Inquiries : CXXXX XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXX XXXX & XXXX XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Applied for a XXXX XXXXXXXX XXXX XXXX while at the checkout to get the discount and clerk filled out the paperwork. I was given a slip as a temp card to use that day and was to received a credit card in the mail. About a month later I receieved a message I had a due date coming up. No statement was received in the mail so I went online and created an account and found a balance due. I paid balance due in full but never received the statment and never received the credit card. Called customer service and found my address was wrong so they corrected. Few weeks later received another email that I had a balance due. Still no statement or credit card in the mail. Login online again and there were late fees.Called Comenity again & told them I still had no statement or credit card. They said they could not help me I had to pay the late fee and hung up on me. This has been ongoing since XXXX 2020, 10 months. Every time I call them they tell me I have to pay late fees for a purchase I did not make, they won't let me dispute it and then they hang up on me. 10 months later and still I have not received the credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-20 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 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 2025-05-20 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: TN

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: MI

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 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 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Absolute Resolutions Corp.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute an inaccurate entry on my XXXX  credit report. The account in question is listed as follows : Creditor Name : Absolute Resolutions I Original Creditor : XXXX Account Number : XXXX ( partially redacted for privacy ) Balance Reported : {$1200.00} Date Opened : XX/XX/XXXX Status : Collection account, {$1200.00} past due as of XX/XX/XXXX This account is inaccurately reported and is having a negative impact on my credit report. I request that this account be fully investigated, as I dispute the validity and accuracy of the debt. Either I do not recognize this debt, or I believe there has been an error in reporting its status. 

Under the Fair Credit Reporting Act ( FCRA ), I am requesting that Experian conduct a reasonable investigation into this matter and correct or remove any inaccurate, incomplete, or unverifiable information. Please provide me with the results of your investigation in writing, including any documentation used to verify the information. 

Enclosed are copies of documents supporting my position ( if applicable ). I expect a response within 30 days as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I have an account on my credit report that belongs to someone else. XXXX XXXX XXXX has improperly and illegally opened an account that I am not aware of. I have never resided in the state of Georgia nor have I ever cosigned with anyone on any account in Georgia. The merchant needs to provide proof of ownership of this account and if not, I am requesting this account be removed immediately. I have requested this information from the creditor multiple times and have failed to receive it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
I have an account on my credit report that belongs to someone else. XXXX XXXX XXXX has improperly and illegally opened an account that I am not aware of. I have never resided in the state of Georgia nor have I ever cosigned with anyone on any account in Georgia. The merchant needs to provide proof of ownership of this account and if not, I am requesting this account be removed immediately. I have requested this information from the creditor multiple times and have failed to receive it.

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 2025-05-20 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: NY

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 non-monetary relief
Consumer complaint received 2025-05-20 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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquiries on my credit report that wasn't opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the XXXX  data breach and I'll provide proof of tat as well. Please remove these accounts & inquiries from my credit report as soon as possible. Thank you! 


( 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 - {$980.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation