vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I was notified I was a victim of ID theft in XXXX by the XXXX  XXXX  and the Distroct Attorney 's office. This debt was found to be from that identity theft and written off back in XXXX. Two years ago a different debt collector tried to collect it out of the blue but stopped once I told them it was written off for ID theft. Now Resurgent Capital Services is attempting to collect a debt that resulted from identity theft in XXXX. I disputed the debt and they responded only with one old statements, which does not prove I owe it. They continue to pursue collection despite being notified it is fraudulent and time-barred. I am requesting that Resurgent cease all collection, remove any reporting from my credit, and confirm in writing they will not sell or reassign this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: FL

Complaint narrative:
I am writing to dispute several inaccurate items listed on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I am requesting an immediate investigation and correction of the following errors. 
XXXX. Inaccurate Address Information Incorrect Address Reported : XXXX XXXX XXXX XXXX, XXXX, PA XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX XXXX have never lived at XXXX XXXX XXXX PA address XXXX and request it be removed from my credit file. 
XXXX. Account Disputes a. XXXX XXXX XXXX XXXX Reported Balance : {$220.00} Correct Balance : {$200.00} Please update to reflect the accurate balance. 
b. Possible XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account and request verification or removal. 
c. Unknown Creditor Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please provide documentation or delete it. 
d. XXXX XXXX  Account XXXX XXXX XXXX This account was transferred to XXXX XXXX XXXX XXXX, and settled for less than full amount with agreement for removal. 
Supporting documentation is attached. 
The company is now closed, and the account is inaccurately reported. Please remove. 
e. XXXX XXXX Account XXXX XXXX XXXXXXXX Status shows paid in settlement, {$740.00} written off, which is inaccurate. 
This account was sold to XXXX XXXX and settled in full for less than owed. 
Confirmation email is attached showing the agreement. 
f. XXXX  AccounXXXX XXXX XXXX XXXX Status shows " paid closed, {$1000.00} written off, '' which is inaccurate. 
This account was paid in full. Please correct. 
g. XXXX XXXX  Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Requesting verification or deletion. 
h. XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please verify or remove. 
XXXX XXXX and XXXX XXXX Account XXXX XXXX XXXXXXXX This account is incorrectly reporting a balance. I have no balance on this account. 
XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Request investigation and removal. 
XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. Please verify or delete. 
l. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have no knowledge of this account. Request verification or removal. 
XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXXXXXX I have no knowledge of this account. 
Additionally, this company is reportedly no longer in business. 
This makes the debt unverifiable, and I request immediate deletion.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I am filing this complaint regarding Comenity Banks handling of my closed XXXX credit card account. 
1. Refund and Rewards Never Received My XX/XX/year> statement reflected a $ XXXX refund owed to me, which I never received. 
My account activity also shows approximately {$35.00} in cashback rewards that were never issued or credited. 
2. No Balance in XXXX The XXXX statement clearly showed I owed nothing. 
3. Payment Before Cutoff Misapplied On XX/XX/year>, I made a payment of {$550.00} two days before the XX/XX/XXXX statement cutoff. Despite being made before the cutoff, Comenity applied this only as a principal reduction rather than a payment toward the billing cycle. As a result, the XXXX statement reflected a reduced balance of {$400.00} but still claimed I owed a minimum payment of {$30.00} by XX/XX/year>. 
4. Improper Late Fee I was then charged a {$30.00} late fee even though : I owed nothing in XXXX, I paid {$550.00} before the XX/XX/XXXX8 cutoff, and I was never delinquent.

5. Supervisors Coercion Both the representative and supervisor admitted my account was eligible for a {$15.00} courtesy credit. After I objected to the unfair fee, the supervisor ( on a recorded line ) they would only credit the remaining {$15.00} if I agreed not to close my account. I subsequently closed the account because of these coercive and unprofessional practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$6300.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXXXXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8900.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$52000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: TN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I sold something on a washer dryer and an XXXX. XXXX just giving it a check. I called the bank told them that let me know when it cleared and cleared and then immediately bounced and then they took double the money from my account so I called and I followed all the proper steps. I follow the claim report about it. They refused to acknowledge it. They refused to return the money and they also ate any money that was going into that account I just passed around. I provided everything required to support my claim and yet they did not follow through with their obligation.

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 2025-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: RI

Complaint narrative:
I received a fraudulent phone call today claiming to be from Citibank. The caller stated that my XXXX had a {$2400.00} charge and referenced a card ending in XXXX. I do not have a Citibank account or any card with those digits. The caller did have my name and phone number. 

I hung up immediately and did not provide any personal or financial information. I am reporting this as a suspected scam attempt. 

Please use this information for your records and fraud monitoring.

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 2025-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Federal Trade Commission XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX Subject : Complaint Against TransUnion for Deceptive Business Practices Dear Sir/Madam, I am writing to formally lodge a complaint against TransUnion regarding its continued use of deceptive business practices, specifically pertaining to the reinsertion of previously deleted or inaccurate account information on consumer credit reports. This conduct appears to violate provisions of the Fair Credit Reporting Act ( FCRA ), which mandates that credit bureaus maintain accurate records and conduct reasonable reinvestigations of disputes. 

TransUnion has been the subject of numerous lawsuits, including class-action suits, for these very practices. A notable example is the case of * * XXXX XXXX Trans Union , LLC ( XXXX ) * *, where a Wisconsin resident accused TransUnion of violating the FCRA by reinserting deleted information into their credit report. After a disputed item was removed, it reappeared without justification. This case highlights the serious implications of TransUnion 's actions, which undermine consumer trust and violate federal regulations. 

Moreover, FCRA violations occur when a credit reporting agency ( CRA ) provides consumer credit reports without a permissible purpose, as outlined in section 604 ( f ). This includes situations where a report is accessed without the consumer 's written consent or for reasons that do not align with legitimate business needssuch as a consumer-initiated transaction or a court order. TransUnions failure to adhere to these guidelines raises significant concerns about their compliance with the law. 

Additionally, TransUnion has faced other lawsuits and complaints related to similar deceptive practices, further emphasizing a pattern of behavior that disregards consumer rights and regulatory standards. These actions not only harm individual consumers but also erode the integrity of the credit reporting system as a whole. 

Given the severity of these issues, I urge your offices to investigate TransUnions practices and take appropriate action to ensure compliance with the FCRA. Consumers deserve transparency and fairness in the credit reporting process, and it is crucial that agencies like TransUnion are held accountable for their actions. 

Thank you for your attention to this matter. I look forward to your prompt response regarding the steps that will be taken to address these concerns. 

Sincerely,

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 2025-09-08 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: SC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-08 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: LA

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 2025-09-08 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2022, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-08 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section XXXX [ XXXX XXXX Code XXXX ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within XXXX business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} Unauthorized Inquiries to Be Deleted : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with explanation