vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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:
To : Equifax, Experian, TransUnion, FTC, CFPB, and all other companies RE : IDENTITY THEFT BLOCK REQUEST UNDER 15 USC 1681c-2 / URGENT DELETION REQUEST To Whom It May Concern, I am writing as a last resort after exhausting all other options and receiving no resolution.

My personal identifying information was exposed in a serious data breach titled The XXXX XXXX Data Leak, where my records were illegally published without my consent or authorization. This breach has directly resulted in fraudulent, inaccurate, and damaging accounts appearing on my credit reports. Under 15 U.S.C. 1681c-2, I am formally requesting the immediate and permanent blocking and deletion of the following fraudulent accounts from my credit file : XXXX XXXX XXXX XXXX ) Account Number : XXXX Balance : {$780.00} XXXX  XXXX Account Number : XXXX Balance : {$1100.00} XXXX  XXXX Account Number : XXXX Balance : {$2900.00} XXXX ( XXXX XXXX XXXX Account Number : XXXX Balance : {$3500.00} XXXX ( XXXX ) Account Number : XXXX Balance : {$510.00} I have previously disputed these accounts multiple times, both directly with the credit reporting agencies and the furnishers. Despite my repeated efforts, these accounts remain inaccurately on my report, severely damaging my ability to secure housing, employment, or basic financing. As a young man trying to build my life fully out of pocket, these errors have put me in an impossible position : I can not even rent an apartment or qualify for basic credit because of these false, unresolved debts. 

I want to emphasize : I did not open or authorize these accounts. 

I am a verified victim of identity theft as a result of the XXXX XXXX Data Leak.

My previous disputes have been improperly processed or outright ignored.

I am respectfully requesting that you do the right thing by deleting these fraudulent accounts from my credit profile in full accordance with federal law. The Fair Credit Reporting Act ( FCRA ) grants me this right under 15 USC 1681c-2 upon provision of proper identification, which I have enclosed.

I am also submitting this request to the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) for additional investigation and enforcement, should your agency fail to comply promptly.

Please understand that I am not a case number or statistic I am a human being trying to survive and rebuild from a situation entirely outside of my control. The mental, financial, and emotional XXXX this has caused is overwhelming. I urge you to review my case with compassion, urgency, and a true commitment to compliance with the law. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I have reviewed my credit file and found inquiries that I did not authorize or initiate. 

Under the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXXb ( c ), a consumer reporting agency may only furnish a consumer report with a permissible purpose, such as when a consumer initiates a transaction or gives written authorization. I have not authorized the following inquiries, nor have I applied for credit with these companies : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX XXXX XXXX, XXXX Inquiry Date : XX/XX/XXXX These inquiries were not initiated by me, nor do I have any existing or pending credit relationships with these companies. I respectfully request that you : Investigate and confirm that these inquiries were made without my authorization. 

Remove the unauthorized inquiries from my credit report. 

Provide a written confirmation of the deletion or the results of your investigation. 

Provide the name and contact information for each entity that made the inquiries. 

As required by XXXX U.S.C. XXXXi, you are obligated to complete your investigation within 30 days and notify me of the outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: NJ

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report.

Subject : Dispute of Inaccurate Credit Reporting Information Dear CFPB, I am writing to file a formal complaint regarding inaccurate information reported on my credit
file by National Credit System Inc., regarding an account with the original creditor XXXX XXXX at XXXX. 

The following details outline my complaint : Original Creditor : XXXX XXXX at XXXX XXXX Agency : National Credit System Inc. 

Address of Collection Agency : XXXX XXXX XXXX XXXX, XXXX, GA XXXX The information being reported is inaccurate because I have never lived at XXXX XXXX XXXX XXXX. I have resided exclusively at XXXX XXXX XXXX, XXXX, TX XXXX for the past 19 years. Despite this fact, National Credit System Inc. continues to report this incorrect information, negatively affecting my credit profile.

I have reached out to the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX to dispute this information under my rights granted by the Fair Credit Reporting Act ( FCRA ) and 15 U.S. Code 1681i. However, I am requesting your assistance in ensuring a thorough investigation is conducted and that the inaccurate information is removed from my credit file.

Additionally, I request that National Credit System Inc. provide signed documentation for debt validation and any proof supporting their claim to my address above.

This inaccurate reporting has caused unnecessary damage to my credit and financial standing. I appreciate your prompt attention to this matter and your assistance in resolving this dispute.

Thank you for your time and support. 

XXXX XXXX XXXX XXXX : XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: PA

Complaint narrative:
This morning, I saw some incorrect accounts on my credit report, and Im completely unsure how they got there. I check my report regularly, and this time, these errors appeared out of the blue. I even refreshed my browser thinking it might be a system glitch, but the accounts remained. Given this situation, I kindly ask that you carefully review the documents I submitted so I wont have to deal with this kind of concern again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
I have an active State of California XXXX account. On XX/XX/year> {$1500.00} was deposited to the XXXX XXXX card the State puts the money. Normally, the money can be transferred to my bank account. I tried several times to move the money to my bank account with XXXX XXXX XXXX XXXX XXXX. The bank account was previously used without incident. The transfer process was NOT working. A new card had to be sent, however, it would take over ten ( 10 ) days to get here. I needed the money for my mortgage payment! I closed the account and asked them to send me the money in a check. XXXX XXXX  claims they issued the payment on XX/XX/year>, however I still have NOT received my money!!! There processes are unacceptable for people receiving benefits! The check should have expedited since it was there system issue not allowing the money to go into my checking account. There staff offered no reason or help to complete the transfer. At this time, I have still not received the $ $ I am due!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: MS

Complaint narrative:
I hope this message finds you well. I am writing to respectfully request your assistance regarding a positive credit account that is not being reported to all three major credit bureaus. 
I currently have a revolving credit account with XXXX, which is in good standing, showing a {$0.00} past due balance, on-time payments, and a current status with both XXXX XXXX XXXX. The account details are as follows : Creditor Name : XXXX Account Type : Charge Account ( XXXX  ) Account XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Reported ( XXXX ) : XX/XX/XXXX Credit Limit : {$2500.00} Monthly Payment : {$20.00} Despite this account being well maintained and accurately reported to XXXX and XXXX it is not appearing on my Experian credit file. I believe this omission may be negatively affecting the completeness and accuracy of my consumer report with Experian. 
Under the FCRA, credit reporting agencies and furnishers have a responsibility to ensure that consumer reports are fair, accurate, and complete. I kindly ask that your office assist in investigating why this positive account is not being reported to Experian and take appropriate action to ensure its inclusion.

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 2025-06-16 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: TX

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Comenity Bank : Account was paid in full and wasn't given credit for payment. Proof ( canceled check ) was sent to the bank which denied ever receiving it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 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: NY

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly XXXX U.S.C. XXXXc-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under XXXX U.S.C. XXXXe ( b ). The reporting of unauthorized data also breaches XXXX U.S.C. XXXXb, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 2025-06-16 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is concerning Experian and they hav removed the ability to complain on their website. If I call the wait is hours to get thru. Their program called XXXX can no longer be accessed on online for changes or updating. Which can result in an increase in credit score. I have medical debt that should be removed. I have credit accounts that have increased in credit balance and need updating. 
They will just tell you they are working it and just ignore compliance. Experian has made it harder to update accounts and they cheery pick what to update. I'm at my wits end with them.

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 2025-06-17 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: NC

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming.

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-16 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the credit reporting agency, block information appearing on my consumer report that is the result of identity theft and fraud within 4 business days of receiving this compliant. This fraudulent, inaccurate and false information consists of a personal credit card account opened by XXXX which was opened in XXXX of XXXX, under the account number XXXX, an auto loan with XXXX XXXX which was opened in XXXX of XXXX under account number XXXX, Student loan which was opened in XXXX of XXXX, under the account numbers XXXX and a cell phone account which was opened in XXXX of XXXX under the account number XXXX as well as a storage unit that is listed under XXXX XXXX XXXX account XXXX opened on XXXX These accounts have resulted in several fraudulent hard inquires and collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections and hard inquires as reported. The aforementioned accounts, collections and inquires appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the forementioned accounts, collections and inquires are the result of identity theft and fraud. I have attached a copy of FTC identity Theft Criminal Complaint # XXXX as proof from the US federal trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquires are the result of identity theft and fraud.

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 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation