vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I had XXXX XXXX account for my spouses XXXX. We separated some time later and my spouse disrupted the divorce process to delay and create further abuse, notably financial abuse. The zero interest on the account expired XX/XX/XXXX. I had paid the XXXX debt down to XXXX. I had multiple conversations with Comenity stating I had to leave my home due to abuse and was limited in the amount I could pay back. I was also diagnosed with XXXX limiting my ability to work. I was able to effectuate a divorce and had to evict my spouse six months later from our marital home which he refused to sell. My spouse was withholding assets limiting my ability to pay Comenity. XX/XX/XXXX I was able to force a sale. I pleaded with Comenity, the bill rose from XXXX to over XXXX because of " interest ''. To " settle the debt '' I had to pay 60 percent. An extreme amount since that was way over the XXXX I owed them. When I did the settlement the agents were rude, used threatening language, told me my credit would be ruined. In order to try and recover financially I settled the debt out of home sale proceeds. Throughout XXXX and XX/XX/XXXXXXXX  I am still being contacted by Comenity, they have threatened me with legal action, told me my credit will be further destroyed. I received calls XX/XX/XXXX, XX/XX/XXXX. I explained I have settled the debt and have asked them repeatedly to stop contacting me. I went thru XXXX  XXXX  during the marriage. Physical, verbal, then financial after I left. I ( had ) good credit and never paid a bill late in my life until fall of XXXX as I was in the process of evicting my former spouse from our marital home so it could be sold and I would receive proceeds to pay Comenity. The bill wasn't even mine, it was for XXXX  services for my spouse at the time. Through good faith I contacted Comenity several times to indicate I had hardships and asked for more time before the " interest free '' period expired as the financial aspect was out of my control due to the harassment of my spouse and his noncompliance with court orders. Come ity was rude, disengaged, lacked empathy, and continued to threaten destruction of my credit score and legal action. I have settled this debt, hand a letter stating so, and am requesting they be held accountable for their predatory lending practices and receive some training on empathy so they may relate to the people they speak with better. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: Westlake Services, LLC
State: OH

Complaint narrative:
I dont have any vehicles! I dont even use my credit. The car I have now is a XXXX XXXX that is paid off. Ive been in an identity theft situation for almost 3 years now. These accounts are not mine. They all were approved to be removed and they are still there!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: HI

Complaint narrative:
I am writing to formally dispute a reported late payment on my credit report. The late payments in question appear on my loan, account with XXXX XXXX and I believe it was reported inaccurately. 
I have reviewed my records, and based on my information, I believe the late payment was either reported in error or does not accurately reflect my payment history. 
I have already attempted to resolve this issue directly with the creditor, but the matter remains unresolved. I would like to request that the CFPB intervene to help facilitate a fair resolution. 
I am requesting that the CFPB investigate this matter and ensure that the inaccurate late payment is removed from my credit report. 
Thank you for your attention to this matter. I would appreciate a prompt response and would be happy to provide any further information necessary. 
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 2025-03-09 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: NC

Complaint narrative:
There is a balance on an account with XXXX  on my credit report. 
I have never opened or used an account with 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 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
The entry in question is completely inaccurate, and I believe its been added to my report either by mistake or through fraudulent activity. This has already started to cause unnecessary damage to my credit and, frankly, is putting me in a stressful situation.

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 2025-03-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Kikoff Inc.
State: MD

Complaint narrative:
XXXX didnt lend me any money.So what do I owe.I dont owe anything They didnt lend me any moneySo why do they have a charge off on my creditThey didnt lend me any money Im taking this to federal court.This is a violation of my constitutional rights and my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding repeated violations of my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) by all three major credit bureaus ( XXXX, XXXX, and XXXX ) and several creditor companies. Over the past XXXX months, I have consistently sent Debt Validation and Dispute Letters to both the credit bureaus and the respective creditors as per my rights under 15 U.S.C. 1681i ( FCRA ) and 15 U.S.C. 1692g ( FDCPA ). Despite these efforts, the following violations have occurred : 1. Failure to Properly Investigate Disputes ( FCRA 611 ( a ) ) The credit bureaus are required to conduct a reasonable investigation within 30 days of receiving my dispute. Instead, I have received generic stall letters that fail to address my concerns or provide adequate responses to the evidence I submitted. 2. Failure to Provide Debt Validation ( FDCPA 809 ( b ) ) The creditors have continued to send collection notices without providing proper validation of the debts I disputed. This is a clear violation of the FDCPA, which mandates that a debt collector must cease collection efforts until proper validation is provided. 3. Reinsertion of Disputed Items Without Notification ( FCRA 611 ( a ) ( 5 ) ( B ) ) Items I have disputed and requested to be removed have reappeared on my credit report without the required notice or validation, further damaging my credit score. 4. Injurious and Misleading Reporting ( FCRA 623 ( a ) ( 1 ) ( A ) ) The reporting of inaccurate and unvalidated debts has caused significant harm to my financial and credit health. This has impacted my ability to secure credit on fair terms, violating my consumer rights. 5. Unfair Practices and Harassment ( FDCPA 806 ) The repeated collection attempts by creditors without validating the debts constitute harassment and unfair practices under the FDCPA. These ongoing violations have caused unnecessary emotional and financial distress. I have attempted to resolve these issues directly with the credit bureaus and creditors, but my rights continue to be ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: MD

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Most recently received notification in unmarked envelope in mailbox with notification to pay a very high amount debt over thousands of dollars to XXXX XXXX XXXX All information I dont recognize dates amounts etc. the letter is dated XX/XX/2025 and Im being threatened to pay to a company at Midlandcredt.com. 
XXXX. Signed XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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:
On [ XX/XX/year>XXXX  ], I discovered that a fraudulent account from XXXX XXXX XXXX, which had previously been removed from all three major credit bureaus ( Experian, Equifax, TransUnion ) and XXXX, was wrongfully reinserted into my credit report. 

This account was initially disputed and successfully removed after I submitted identity theft documentation in accordance with FCRA Section 605B ( 15 U.S.C. 1681c-2 ), which mandates the blocking and removal of fraudulent accounts upon notice of identity theft. 

However, despite compliance with federal law and confirmation of removal, XXXX XXXX XXXX and the credit bureaus have unlawfully reinserted the fraudulent account, violating : FCRA Section 623 ( 15 U.S.C. 1681s-2 ), which holds data furnishers responsible for ensuring accurate reporting. 
FACTA ( Fair and Accurate Credit Transactions Act ), which requires the immediate deletion of fraudulent identity theft records.

FCRA Sections 616 & 617 ( 15 U.S.C. 1681n & 1681o ), which allow for legal action and damages due to willful and negligent violations.

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 2025-03-09 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: SC

Complaint narrative:
Experian has failed to fulfill their legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-09 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: TX

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX THESE accounts were part of a data Equifax breach and is inaccurate, please delete these 2 accounts from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am experiencing difficulties accessing my credit report through Experian 's online platform. Despite multiple attempts, I have been unable to create an account, and I suspect this issue may be due to my status as an identical twin, which could be causing complications in Experian 's identity verification process.

Access to my credit report is essential for monitoring my financial health, and I am concerned that this inability to access my information may violate my rights under the Fair Credit Reporting Act ( FCRA ). I have contacted Experian to resolve this issue but have not received a satisfactory response.

I request the CFPB 's assistance in addressing this matter to ensure that I can access my credit report and monitor my financial standing effectively. 

Thank you for your attention to this issue. 
I have called multiple times and because they cant confirm my identity I am unable to talk or speak with an actual customer service representative. Ive tried endless times on online and honestly I dont know what else to do. I should not be punished because I am a twin.

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 2025-03-09 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 have been dealing with repercussions of identity theft for quite some time now, and I have had many accounts removed from my credit report that were the result of identity theft/fraud. Now, however, XXXX XXXX continues to add the same fraudulent account back to my credit report despite my pleas to listen to my legal requests that label these as fraudulent. The account with XXXX XXXXXXXX, ACCT # XXXX, along with another account XXXX XXXX XXXX, ACCT # XXXX is a FRAUDULENT account, a result of IDENTITY THEFT, and must be removed from my consumer file within XXXX business days, in accordance with FCRA 15 U.S. Code 1681b & 1681c. Please follow the lawful requirements of the FAIR CREDIT REPORTING ACT OF 1977. If you are not to abide by our written laws of this nation, I demand in writing, a statement detailing exactly how your investigation took place, your findings that prove the accounts belong solely to me and that no fraudulent activity or identity theft took place. Also, I am demanding a reinvestigation, also detailed in writing, with wet ink signatures, detailing the process in which the reinvestigation took place and the findings and any other pertinent materials relating to this matter. I am looking forward to your swift reply, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-09 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: CA

Complaint narrative:
I have been dealing with repercussions of identity theft for quite some time now, and I have had many accounts removed from my credit report that were the result of identity theft/fraud. Now, however, XXXX XXXX continues to add the same fraudulent account back to my credit report despite my pleas to listen to my legal requests that label these as fraudulent. The account with XXXX XXXXXXXX, ACCT # XXXX, along with another account XXXX XXXX XXXX, ACCT # XXXX is a FRAUDULENT account, a result of IDENTITY THEFT, and must be removed from my consumer file within XXXX business days, in accordance with FCRA 15 U.S. Code 1681b & 1681c. Please follow the lawful requirements of the FAIR CREDIT REPORTING ACT OF 1977. If you are not to abide by our written laws of this nation, I demand in writing, a statement detailing exactly how your investigation took place, your findings that prove the accounts belong solely to me and that no fraudulent activity or identity theft took place. Also, I am demanding a reinvestigation, also detailed in writing, with wet ink signatures, detailing the process in which the reinvestigation took place and the findings and any other pertinent materials relating to this matter. I am looking forward to your swift reply, thank 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 2025-03-09 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: NC

Complaint narrative:
I am writing to follow up on my previous correspondence regarding several negative accounts appearing on my credit report due to identity theft, as detailed in my last letter. 

In my initial statement, I outlined the unauthorized transactions and accounts that have been fraudulently opened in my name, which have severely impacted my credit standing. I kindly requested the removal, blocking, or updating of these inaccurate entries, as well as a prompt response regarding the dispute 's timeline and process. 

Please provide an update on the current status of my case and confirm the steps that have been or will be taken to resolve this matter. If there is any additional information or documentation required, please let me know, as I am committed to assisting with the verification and correction process to ensure an accurate reflection of my credit report. 

I appreciate your time and consideration in addressing this issue. I look forward to your response and a timely resolution to restore the integrity of my credit record. 

Thank you once again for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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:
Experian, Transunion, & Equifax has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable re investigation of a disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian XXXX Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian XXXX Equifax also TransUnion has not corrected nor removed disputed items, despite the evidence i provided, causing ongoing harm to my credit standing. I am respectfully requesting immediate corrective action to remove or amend the disputed accounts, as Experian, TransUnion, & Equifax inaction violates federal law and my protected rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-09 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: GA

Complaint narrative:
Experian, Transunion, & Equifax has failed to fulfill its legal obligation under the Fair Credit Report Act ( FCRA ) to conduct a reasonable re investigation of a disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian XXXX Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian XXXX Equifax also TransUnion has not corrected nor removed disputed items, despite the evidence i provided, causing ongoing harm to my credit standing. I am respectfully requesting immediate corrective action to remove or amend the disputed accounts, as Experian, TransUnion, & Equifax inaction violates federal law and my protected rights as a consumer.

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