vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
* * CFPB Complaint - Credit Reporting Inaccuracy * * XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX contains multiple FCRA violations across all three credit bureaus requiring immediate removal : XXXX. * * Material Date Discrepancies * * : Account opening dates vary by 24 days ( TransUnion : XX/XX/XXXX vs Experian/Equifax : XX/XX/XXXX ) XXXX. * * Inconsistent Financial Data * * : Monthly payments ( {$33.00} vs {$34.00} ), balances ( {$640.00} vs {$660.00} ), and high credit amounts ( $ XXXX {$670.00} ) differ across bureaus XXXX. * * Payment History Inconsistencies * * : Different payment patterns and reporting months across all three bureaus XXXX. * * Last Payment Date Variances * * : Dates span over 2 months ( XX/XX/XXXX to XX/XX/XXXX ) XXXX. * * Credit Limit Errors * * : Equifax shows {$0.00} credit limit while others show {$600.00} XXXX. * * Systematic Reporting Failures * * : All bureaus show " dispute resolved '' comments, indicating ongoing accuracy problems These material inconsistencies violate FCRA Sections 623 ( a ) ( 1 ) ( A ) and 611 ( a ) ( XXXX ), demonstrating XXXX 's systemic failure to maintain accurate records. The furnisher can not provide three different versions of the same account data and claim compliance with federal accuracy standards. 

* * REQUEST * * : Complete tradeline deletion due to furnisher 's proven inability to report accurate information as required by law. Pattern of inconsistencies creates legal presumption of systemic inaccuracy warranting removal, not correction.

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 2025-07-23 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: NY

Complaint narrative:
Attached find a copy of my dispute letter, identity theft report, id, social and proof of address to support my claim of a fraudulent account being inserted onto my credit report that needs to be removed IMMEDIATELY.

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 2025-07-23 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 filing this complaint because there are multiple duplicate accounts being reported on my credit report, which is both inaccurate and misleading. These duplicate accounts reflect the same debt information but appear more than once, creating a false and harmful representation of my credit obligations. This type of reporting unfairly impacts my credit score, as it artificially inflates the amount of debt I appear to owe. I have verified that these accounts are duplicates and do not represent separate or new obligations. This is a violation of the Fair Credit Reporting Act ( FCRA ) which mandates accurate and fair credit reporting. I am requesting that these duplicate entries be immediately removed or corrected to reflect only a single, accurate account per creditor.

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 2025-07-23 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: MN

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX  - XX/XX/XXXX, XXXX XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries 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 inquiries 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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX XXXX Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries 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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am sending notices to my creditors that I no longer am able to pay on the massive credit card debts that have accumulated over the past several years. I request a cease and desist on all phone calls to my cell phone, and that all communications be sent to my home address only. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: HYUNDAI CAPITAL AMERICA
State: GA

Complaint narrative:
I was looking to buy a car at Hyundai in XXXX, GA and was treated rudely and unfairly. I did not commit to a car, I was only looking. The salesperson asked for my information, I gave it to him but asked for them to not run my credit until I found a car. They didnt do as told and ran it multiple times without my consent! After that they tried to put me in car they wanted me in. I confronted them about it and they loudly yelled about my credit in the dealership where others could hear.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am reporting a series of unauthorized hard inquiries that appeared on my credit report without my knowledge, permission, or written consent. These inquiries were not initiated or approved by me, and I did not apply for credit with any of the listed companies. 

I have submitted disputes directly to the credit reporting agency ( TransUnion ), requesting removal of the inquiries under the Fair Credit Reporting Act ( FCRA ), which requires consumer reporting agencies to ensure the accuracy of information and to remove unverifiable or unauthorized items. 

The following companies made unauthorized inquiries between XX/XX/XXXX and XX/XX/XXXX : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX 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  XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2024

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 2025-07-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Central Research Inc
State: OR

Complaint narrative:
On XX/XX/year> I withdrew from XXXX XXXX XXXX ( XXXX ) within the timeframe where you can still receive a full refund. In XXXX I had noticed that my loans for XXXX were still appearing on my XXXX XXXX XXXX ( XXXX ) account, and paid back {$2700.00} of my refund from XXXX to the XXXX. I had then received an email from XXXX letting me know that I had to seek a refund of this money from the XXXX because they had canceled my loans through the XXXX on XX/XX/year>, and any outstanding money was to be paid directly to XXXX ( because it was gift aid, not federal aid - as a refund from personal scholarships I was no longer receiving due to my unenrollment from XXXX, thus requiring me to pay it back ) However, when I reached out to the XXXX multiple different times in order to try and get this refund I was met with many different excuses that all have come proven to be false with evidence I will provide. The first thing I was told by the XXXX was that paying the personal XXXX refund money to the XXXX would automatically cancel out any money I owed to the school ( see email from XXXX to prove this isnt true ) Next, I was told that I would be receiving a partial refund of {$950.00} that was issued in XXXX of XXXX  and the reason I hadnt seen that yet was because it can take up to XXXX  days to process ( as said to me in the phone call with the XXXX I have attached ) but it is now XXXX, almost XXXX again and I have never seen that money. Then, they told me that the money I paid over a month before I enrolled somewhere else was somehow going towards the loans at that new school I enrolled in, even though the loans showed up a month later ( implying the money sat frozen for a month, which can also be disproven with the pictures attached of the amount paid on the loans at my new school ) Finally, after continuing to call for a year now, and talking to well over XXXX different employees and XXXX supervisor, they told me on XXXX different occasions an investigation was open only to ignore me for months on end, and Ive never heard back on any of these investigations, except the first time when they claimed the payment went towards my new loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CA

Complaint narrative:
I filed formal disputes with the credit bureau concerning inaccurate and unverifiable accounts on my credit report.

Under the Fair Credit Reporting Act ( FCRA 611 ( a ) ), the bureau is required to conduct a reasonable reinvestigation within 30 days, consult with the original furnishers, and provide me with written verification or remove the information if it is unverifiable.

Instead, the bureau appears to rely on automated systems ( such as eOSCAR ) without requesting or reviewing original source documents, in violation of its duty to maintain maximum possible accuracy under FCRA 607 ( b ) / 15 U.S.C. 1681e ( b ). 
In XX/XX/year>, Equifax was fined {$15.00} XXXX for improper investigations and failure to comply with FCRA accuracy requirements. 
I requested detailed information about their reinvestigation process and copies of any verification or certification they obtained from the furnishers. They failed to provide this documentation and have continued reporting the disputed items without proof. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
I am requesting your help in launching an investigation regarding these accounts, which are currently being misreported on my credit report. Under the provisions of USC 1681g, I am formally seeking their removal within 15 days. All relevant supporting documents are attached for your evaluation. It is also important to note that these accounts are being reported differently and inaccurately by each credit bureau.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
Please check the information concerning XXXX  and Experian data breach below in attachments.

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 2025-07-23 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: VA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX XXXX before the payment due date. I have requested proof that this information was mailed or delivered XXXX XXXX before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me 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 2025-07-23 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a XXXX XXXX credit card issued by Comenity Bank in XXXX and used a promotional 18-month deferred interest plan. I was told at the time of purchase and later over the phone that making minimum payments would be enough. 

As the promotion neared its end ( XX/XX/XXXX ), I still owed ~ {$500.00}. I called Comenity before the expiration and asked what would happen if I couldnt pay it in time. The representative told me I would only be charged interest on the remaining balance. They never once said Id be charged over {$1000.00} in retroactive interest on the full original balance going back 18 months.

I now feel misled. I tried to clarify the terms before the plan ended and received incomplete and inaccurate information. Im being penalized for relying on what I was told. Had I known the true consequences, I would have acted differently.

Im requesting that Comenity waive or reduce the deferred interest due to the misleading verbal guidance I received from their representative.

I have attached the response Comenity sent after receiving the complaint it does not acknowledge the misinformation I was given when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/year>

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 2025-07-23 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: AZ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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:
My information was stolen in the 2017 Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: NC

Complaint narrative:
My information was stolen in the 2017 Equifax data breach

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I submitted a formal dispute to Equifax regarding several inaccurate or unverifiable items on my credit report. After their investigation, Equifax responded that the items were " verified '' without providing any supporting documentation or explanation. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to request and receive a detailed description of the method of verification, including the name and contact information of the furnisher that verified the data. I requested this information, but Equifax has failed to provide it. 

I believe Equifax did not properly investigate my dispute and is reporting inaccurate information without adequate verification. They are in violation of FCRA 611 ( a ) ( 7 ), which requires them to provide details of their investigation when requested, and FCRA 611 ( a ) ( 1 ), which mandates a reasonable investigation of disputed items. 

I am requesting the CFPB to assist in compelling Equifax to either : Provide full details of the verification process used, or Remove the disputed items from my credit report due to lack of proper verification.

Company response to consumer: Closed with explanation