vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: NJ

Complaint narrative:
Re : Request for Removal of Unauthorized Inquiries Due to Identity Theft Dear Sir/Madam, I am writing to formally dispute several unauthorized inquiries that have appeared on my credit report. I am a victim of identity theft, and I request that you immediately remove all inquiries associated with fraudulent activity. These inquiries were not authorized by me, nor did I initiate any of the actions that resulted in these inquiries. 
The specific inquiries I am referring to are as follows : XXXX 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 2025-11-18 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: FL

Complaint narrative:
I am writing to formally dispute the following charged-off accounts on my credit report with Equifax. The details of the accounts are provided below : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I reviewed my credit report and found a collection account reported by a debt collector associated with a former credit card issuer. The account is reporting information that is impossible and inaccurate. Specifically, the Date Reported is listed as a future date in XXXX, even though we are currently in XXXX. This makes the information unverifiable and incorrect. 

The account also contains incomplete XXXX XXXX data fields. It does not include a Date of Last Activity, Date of Last Payment, credit limit, payment history, or a valid status code. Because these fields are missing, the debt collector is reporting information that can not be validated. 

I disputed the information, but the data remained unchanged despite the errors. I am requesting CFPB assistance because the company is reporting information that is inconsistent, incomplete, and not in compliance with FCRA accuracy standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Comenity bank automatically enrolls you in an account assure program when you get a credit card with them from XXXX without telling you. They do not give you any information on the account assure program or that you are charged an interest amount of it monthly. I contacted XXXX after my first bill last XX/XX/XXXX to have this removed and get an explanation of what this is. XXXX stated they would remove it and credit the charge. I set up automatic payments and went on about my life. Well come XXXX I checked the account to see how much was left and noticed the charges still on my account. I called XXXX and was told they were sorry and helped me get it cancelled. I checked my account in XXXX and there was another charge. I called them again, they said it takes XXXX cycles to have the charges stopped. I said okay and trusted it was done. I checked my account in the last XXXX weeks to pay it off at the 12 month mark for my no interest promotion with biglots and found to have been charged every month these fees. I called XXXX and went through XXXX different reps and XXXX supervisors. The first XXXX XXXX was supposed to call me back about having the charges removed. XXXX never called and I let her know the importance of this because my 12 month marker was XX/XX/XXXX and I needed them removed before I made a payment since it was {$92.00} in fees. I never got a call. I called back today and spoke with a lady named XXXX who was very rude on the phone. She told me that I was asking for to much in a credit refund and that they do not do refunds or credits for XXXX parties. I let her know they did it for me XXXX. She told me it was not true and I told her to check my account. She checked my account and saw the credit and said it wasn't from them it was from account assure. I said well I did not call them, XXXX did it..... She said XXXX XXXX call me tomorrow then about this. I said is XXXX over you, she said no and she is not doing a refund either. I told her not to get nasty with me and she said she wasn't getting nasty but they will not be giving me anything for this.... This was their mistake to begin with...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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:
I am writing to file a formal complaint against XXXX XXXX XXXX regarding an unrecognized collection account that has appeared on my credit report. I have no knowledge of this debt and I do not believe it is valid. 
I was surprised to discover that XXXX XXXX XXXX is reporting a collection account in my name. I do not recognize this debt and have not been contacted by XXXX XXXX XXXX or any other entity about this outstanding balance. I have not received any communication from them or any other creditor regarding this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that XXXX XXXX XXXX provide verification of the debt. This should include proof of the original creditor, the amount owed, and any documentation supporting the validity of this debt. Since I do not recognize this debt, I believe it XXXX have been reported in error or could be the result of identity theft or some other mistake. 

I ask that you please investigate this matter and remove this collection account from my credit report if it can not be properly verified. This entry is negatively affecting my XXXX score and financial standing, and I am requesting its immediate resolution. 

Thank you for your prompt attention to this issue. I look forward to hearing from you regarding the status of this complaint.

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 2025-11-18 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: DC

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-11-18 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: CITIBANK, N.A.
State: SC

Complaint narrative:
A new promotional financing of {$4000.00} was created and fully charged to my account in error after the original promotional financing for cancelled order of {$4000.00} was almost paid off with refund issued for cancelled order as shown on XXXX XXXX of XXXX, XXXX and XX/XX/year> statements.

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 2025-11-18 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: FL

Complaint narrative:
I am writing to formally dispute the following charged-off accounts on my credit report with Experian. The details of the accounts are provided below : XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX BANK XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$25000.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4600.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2000.00}

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
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
THE REPORTING AGENCY HAS DEMONSTRATED A PATTERN OF SYSTEMIC NEGLIGENCE AND FAILURE TO MAINTAIN REASONABLE COMPLIANCE PROCEDURES AS REQUIRED UNDER 15 U.S.C. 1681E ( A ) AND 1681E ( B ). IT IS CLEAR THAT THIS ENTITY DOES NOT HAVE ADEQUATE INTERNAL CONTROLS, AUDIT TRAILS, OR SUPERVISORY PROCEDURES IN PLACE TO ENSURE LEGAL ACCURACY AND COMPLIANCE. 

THE AGENCYS RESPONSES TO DISPUTES ARE AUTOMATED, UNSUBSTANTIATED, AND DEVOID OF HUMAN REVIEW INDICATING THAT NO REASONABLE INVESTIGATION OCCURRED. SUCH AUTOMATION, WHEN IT RESULTS IN THE CONTINUED REPORTING OF KNOWN INACCURACIES, AMOUNTS TO RECKLESS NONCOMPLIANCE AND BAD FAITH OPERATION UNDER THE FCRA. 

MOREOVER, THERE IS NO EVIDENCE THAT THE AGENCY HAS PROVIDED TRAINING OR OVERSIGHT TO PERSONNEL RESPONSIBLE FOR HANDLING CONSUMER DISPUTES, NOR HAS IT IMPLEMENTED ADEQUATE SAFEGUARDS TO PREVENT REPEATED ERRORS OR IMPROPER DATA HANDLING. 

THIS PATTERN OF NONCOMPLIANCE VIOLATES THE CORE PRINCIPLES OF CONSUMER PROTECTION, FAIR DATA USE, AND DUE PROCESS AND DEMONSTRATES A DELIBERATE FAILURE TO UPHOLD FEDERAL REPORTING STANDARDS.

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 2025-11-18 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have reached out to capital one multiple times to stop communicating with me. Capital one has called my phone, text my phone and emailed me everyday since XX/XX/XXXX even calling on XXXX sometimes. This has been an issue with my job because they were constantly calling. I sent XXXX letters certified mail before the calls ceased however the company did not acknowledge the wrong doing and continued harassment that I fined them for. According to 18 U.S.C. 223 criminalizes certain obscene or harassing telephone calls. In addition according to 18 U.S.C. 1514 provides for civil actions to restrain harassment of witnesses or victims in federal criminal cases. Someone from the presidents office reached out on XX/XX/XXXX to make sure the calls stopped. However no one has taken accountability for the harassment that caused me to lose my job due to them calling nonstop. I was contacted by capital one over XXXX times for over XXXX yr. This is not normal and these companies need to deal with the repercussions of harassing current and previous consumers. I am asking that my fine if {$10000.00} be upheld and paid out from Capital One for daily harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I am disputing inaccurate and unverifiable information on my Experian credit report. Despite several attempts to resolve these issues directly with Experian, they have failed to properly validate or investigate the disputed items, violating my rights under the Fair Credit Reporting Act ( FCRA ), specifically 611. 

I request that the CFPB assist in ensuring that Experian removes any unverifiable items from my credit report. 

Charged Off Accounts in Dispute ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$580.00} These accounts are reported inaccurately, and Experian has failed to provide sufficient documentation or verification. 

Inquiries ( XXXX ) XXXX XXXX XX/XX/XXXX This inquiry is inaccurately reported. I request its removal unless properly validated. 

Late Payments ( 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 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I request that you provide verification of this debt pursuant to Section 809 ( b ) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Please provide the following information and documentation to verify this debt : The name and address of the original creditor to whom the alleged debt is owed. The amount of the alleged debt, the date it became delinquent, and the date it was transferred to your agency. A copy of the original contract or other agreement that bears my signature. An itemized list of alleged interest, fees, and other charges. The date of the last payment made on this account. Any judgment obtained by a creditor regarding this account. If you can not provide the requested information within 30 days of the date you receive this letter, you must cease all collection activities and report this debt to the credit bureaus as disputed. Please also provide confirmation that you have removed this dispute from my credit report and provide me with a corrected credit report. 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 2025-11-18 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: TX

Complaint narrative:
I previously disputed this account with the credit bureaus. They claimed they " verified '' the information, but no proper reinvestigation was completed and no method of verification was provided. XXXX is being reported as a repossession and charged-off at the the same time the auto loan is inaccurate and in violation of the FCRA Violations : Reporting the account as both charged off and repossession, which is inconsistent and inaccurate. 
Failing to report Status Code 97 and Payment Rating L, which is required for accurate repossession reporting. 
Continued reporting despite previous disputes. 
Failure to provide documentation showing proper notice of disposition/sale, as required under UCC Article 9.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: AL

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 explanation
Consumer complaint received 2025-11-18 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:
I am formally disputing the accuracy and reporting of the accounts listed below as a direct result of the XXXXTransUnion data breaches, which exposed consumers personal identifying information and increased the likelihood of inaccurate, manipulated, or mismatched data appearing on credit reports. Under the Fair Credit Reporting Act ( FCRA ) 602A, 607 ( b ), and 611, you are required to report only accurate, complete, and verifiable information, and to delete any unverifiable, inaccurate, or outdated information within 30 days. 
The following accounts are inaccurate and must be investigated, verified, or removed immediately : Accounts in Dispute Account Name : 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  This inquiry is unauthorized and must be removed immediately under FCRA 604 ( a ) ( 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 2025-11-18 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: MO

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate or unverifiable information. Below are the details of the disputed accounts : XXXX. Charged Off Disputed There are no disputed charged-off accounts for TransUnion at this time. 

XXXX. Inquiries Disputed The following inquiries were made without my consent and should be removed : 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 XXXXXX/XX/XXXX COAF, Date Open : XX/XX/XXXX These inquiries were made without authorization and should be removed from my credit report. 

XXXX. Positive Accounts There are no issues with positive accounts at this time. 

XXXX. Late Payment Disputed There are no disputed late payments for TransUnion.

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 2025-11-18 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:
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 explanation