vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 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: Experian Information Solutions Inc.
State: NJ

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 explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
Allegedly this debt is somehow says XXXX XXXX, but I have no knowledge of such that was due because of rental agreement I was included without my knowledge possible stolen information. 
I had contact the agency but didnt provide any information I had requested. 
They reporting it to my all 3 credits bureau, but i had disputed this alleged debt multiple times.

I have my rental agreement for periods of when this debt showed up and it will be attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: AZ

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
These accounts are being reported under my name without my authorization or knowledge, and I have never opened, authorized, or managed them. This is completely unacceptable and constitutes a serious misrepresentation of my financial history. I take my credit profile extremely seriously, and the presence of these unauthorized accounts is both alarming and damaging.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 have encountered difficulties accessing my [ bureau_name ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: FL

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: DE

Complaint narrative:
1. [ US DEPARTMENT OF EDUCATION Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX ] I am writing to formally dispute several negative items and collection accounts currently appearing on my credit file. Due to potential inaccuracies and possible compromise of personal information following recent breaches, I have reason to believe that the following items may not be accurate, complete, or verifiable.

In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request a reinvestigation of all negative and collection accounts associated with my credit report. Please provide verification, including the name and contact information of the furnisher of information, and any documentation relied upon in reporting these items. 

If TransUnion can not verify the accuracy and legitimacy of these items, I request that they be removed from my credit file immediately. 

Enclosed is a copy of my government-issued identification and proof of address to assist with this investigation. 

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and provide the results of your reinvestigation within the time allowed 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 2025-09-19 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: NC

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Patenaude & Felix A Professional Corporation
State: CA

Complaint narrative:
On XX/XX/year> I Spoke with XXXX XXXX at Patenaude & Felix APC, when asked to provide me with a valid NMLS # he failed to provide me with this information. HE also struggled to provide me with a debt collection license number as well. After repeated request he was finally able to provide the debt collection license number, but was unable to provide a NMLS number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile has been compromised by unauthorized accounts and false information that were created through identity theft, none of which I authorized or have any legitimate connection to. These fraudulent entries have created substantial obstacles in my financial life, blocking my access to credit and damaging my reputation with potential lenders and financial institutions. The emotional toll and practical consequences of this situation have been overwhelming, as I have been forced to spend countless hours attempting to resolve these issues while watching my credit score deteriorate due to activity that is not mine. I am demanding immediate corrective action to investigate and eliminate these disputed items from my credit history, as their continued presence constitutes an ongoing violation of my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I am reporting identity theft. A XXXX XXXX credit card account is being reported on my credit report, but I never applied for or opened this account. I first noticed this account when reviewing my credit report. I have contacted XXXX XXXXComenity Bank multiple times to dispute the account, but they refused to remove it and continue to claim it belongs to me and also they sent me a statement with my information on it. This account is fraudulent. I lost my wallet while working at XXXX, and inside it were my Social Security card, ID, and other personal documents. I believe my information was used without my authorization to open this account.I am requesting that this fraudulent account be removed from my credit reports and that my identity theft report be recorded.I have filed a report with the ftc I AM TIRED OF YOU GUYS REMOVE THIS XXXX its not mines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: VA

Complaint narrative:
On XX/XX/XXXX a Vendor name XXXX charged me {$42.00} As part of my copayment for their service. The {$42.00} was charged for two different purpose. I have disputed {$27.00} and was resolved. However, once i received my insurance statement, i realized that I only need to pay XXXX $ XXXX, However, My payment of $ XXXX {$27.00} = {$15.00} Since I owe only $ XXXX I have submitted another dispute for {$9.00}. 
However, Discover never addressed that dispute. Since then I made so may phone calls and online chat, but no action was take. Even today ( XX/XX/XXXX ) I spent 30 minutes with discover on the phone, but the representative seemed to be very confused. I was then transferred to dispute department, I was put on hole for 34 minutes-no response. 
Then, I started the chat but same response to call the dispute number where I have already spent 34 minutes and no one picked up I realized that Discover is not willing to address my dispute and I told them I will file a complaint to CFPB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I sent a copy of my mortgage satisfaction letter to the company and they are still reporting delinquent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
I requested Extended XXXX benefits under Louisiana statues XXXX and XXXX from Wells Fargo for my XXXX Credit Card. Per the LA extended XXXX Benefits, an XXXX XXXX military member can request and receive XXXX benefits on any consumer debt, regardless of when that debt was incurred. See statues below : https : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

https : XXXX? XXXX I received a rejection letter from Wells Fargo, which was sent to my XXXX XXXX and not to my current LA address, and the letter did not describe why they didn't uphold LA statutes. When I called, they continuously pushed me from XXXX representative to another over an estimated XXXX  and XXXX minutes before I finally got someone to submit a complaint to the XXXX office. 

I've had none of these issues with XXXX XXXX, XXXX XXXX, XXXX, XXXX, or XXXX, and none of them have had an issue with approving me for benefits under LA extended XXXX  Benefits and Lessening of Interest Rates. I don't understand why Wells Fargo should have any problem approving me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 reviewed my Equifax credit report and found multiple issues of inaccurate, unverifiable, and unauthorized reporting that violate the Fair Credit Reporting Act ( FCRA ). 

Compromised Data from Equifax Breach My personal information was compromised during the Equifax Data Breach. Since then, Equifax has continued to report derogatory, unauthorized, and unverifiable data on my file. 

Unverified Charge-Off Account Creditor : XXXX Account Number : XXXX This account is being reported as a charge-off, but Equifax has not provided any proof of a signed agreement, original contract, or permissible purpose for this reporting. Under FCRA 1681e ( b ), reporting must be maximally accurate, and under 1681i ( a ) ( 5 ), unverifiable data must be deleted. 

Inaccurate Late Payment Reporting Creditor : XXXX XXXX Account Number : XXXX Alleged Late Payment : No date of delinquency provided This account is closed but is still showing derogatory payment history without proper validation. Equifax has not provided original billing statements, payment posting logs, or proof of delivery of bills. Reporting without full verification is misleading, incomplete, and non-compliant with XXXX XXXX standards and FCRA obligations. 

These errors are damaging my credit standing and financial reputation. XXXX reliance on automated dispute systems instead of a reasonable and independent reinvestigation violates established case law ( XXXX v. TransUnion ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this dispute to address fraudulent accounts that have been incorrectly attributed to me on my credit report. These accounts do not belong to me, were not authorized by me, and represent serious inaccuracies that must be corrected without delay. Their presence is harmful, misleading, and an unlawful misrepresentation of my financial obligations. The accuracy of consumer credit reporting is a fundamental requirement, and the inclusion of fraudulent accounts undermines that obligation. These accounts create unwarranted damage to my creditworthiness and financial reputation, consequences that I will not tolerate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
I am filing this complaint against TransUnion for continued reporting of inaccurate and unverifiable information despite my prior disputes. 

Accounts in Question : - XXXXXXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Revolving accounts ending in XXXX Violations : 1. FCRA 1681i Failure to Investigate : TransUnion responded to my disputes by merely verifying with the furnishers without providing me with documentary evidence or proof. This is not a reasonable reinvestigation.

2. FCRA 1681e ( b ) Failure to Assure Maximum Possible Accuracy : TransUnion continues to report incomplete and misleading derogatory information on my credit file, harming my score.

3. FCRA 1681i ( a ) ( 6 ) Failure to Provide Proper Notice : I was never provided with actual documentation from the furnishers, only vague statements that the accounts were verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: CA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: IL

Complaint narrative:
This complaint has been filed to request pursuant to FCRA 605B 15 USC 1681 that the credit 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 is fraudulent, inaccurate, and false information consists of XXXX {$0.00}, XXXX XXXX {$840.00}, and XXXX {$160.00}

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 non-monetary relief