vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-05 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: CT

Complaint narrative:
This letter serves as a formal demand for the immediate rectification of my credit report. Due to multiple data breaches, including but not limited to : Equifax, affecting over 147 million individuals ; XXXX XXXX, affecting over 500 million ; XXXX, affecting over 700 million ; XXXX, affecting over 540 million my personal information, including my Social Security XXXX, has been exposed. Consequently, I have strong reason to believe that unauthorized and fraudulent activities have infiltrated my credit report. This situation is unacceptable, and I will not tolerate further delays in addressing this matter. 
I have already contacted the creditors listed below regarding items I suspect to be fraudulent, inaccurately reported, or incorrectly listed. To date, I have received NO response. I am also notifying the Federal Trade Commission ( FTC ) of your non-compliance, as I have documented and signed receipts confirming you received my previous correspondence. Your failure to comply with my request is a direct violation of 15 U.S. Code 1681e ( b ) - Accuracy of report compliance procedures. 
I demand that you either delete the disputed accounts or amend them to reflect an accurate status IMMEDIATELY. 
In accordance with 15 U.S. Code 1692g - Validation of debts, I require that you provide verification of these alleged items, including the original application, contract, note, or other instruments bearing my signature. Failure to comply will result in legal action for your willful non-compliance, as established in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX. 
I expect you to forward all validation documents via the CFPB and certified mail to my address immediately. My identification has been provided for this purpose. Should you fail to remove the disputed account and issue a free, updated credit report promptly, I am prepared to pursue legal action against your company. 
Federal law mandates that you complete your reinvestigation within 30 days. I also demand a detailed account of your verification process within 15 days following the investigation. Should these disputed accounts not be deleted immediately, I will initiate legal proceedings seeking {$1000.00} for each infraction. 
Per 15 U.S. Code 1681i ( a ) ( 5 ) ( b ), any reinsertion of previously deleted information must be communicated to me in writing within five business days of such action. 
Act accordingly, as I will not hesitate to escalate this matter legally if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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: LA

Complaint narrative:
I dont recognize this addresses please remove it from my credit report please and thank you 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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NJ

Complaint narrative:
A complaint is being filed regarding the validation of an incorrect debt applied to my credit report by MOHELA. I emailed MOHELA with no response. A dispute was also made with XXXX XXXX XXXX. When you call the phone, the wait times are 7 hours plus. As of today, XX/XX/year>, MOHELA has failed to validate the debt as required by law and the Fair Credit Reporting Act ( FCRA ). 

When the complaint was originally filed against MOHELA on XX/XX/year>, they provided the same auto-generated response that I received on XX/XX/year>, and failed to follow through with appropriate action. This was completed through XXXX XXXX and the XXXX XXXX XXXX. Their negligence is negatively impacting my financial well-being. 

MOHELA should not be falsifying information on my credit report, nor should they be closing accounts that they failed to maintain accurately. Intentionally reporting incorrect information by claiming that accounts were transferred, only to close them, and subsequently reopen them with a different amount is a violation of the LAW. 

This practice violates the following : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ( 2025 ) ( requiring accuracy in information furnished to consumer reporting agencies ).

Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) ( 2025 ) ( mandating reasonable procedures to assure maximum possible accuracy in consumer reports ). 

I am requesting that someone hold MOHELA accountable for these violations and ensure that they take the necessary corrective actions. Myself and thousands of other individuals are being affected by this. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 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 a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX. 

Account 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 non-monetary relief
Consumer complaint received 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC

Complaint narrative:
Im not able to login to my online account. The company TransUnion refused to fix the issue with my account login. I keep getting error message saying we are not able to complete your request. I request an access to my online account.

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 2025-04-05 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: GA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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 2025-04-05 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Complaint Regarding Identity Theft Due to Data Breaches by Equifax, XXXX and XXXX XXXX XXXX To Whom It May Concern, I am writing to formally lodge a complaint regarding identity theft that I have been a victim of, resulting in unauthorized use of my personal information to open accounts and make purchases that I did not authorize or have knowledge of. This identity theft was directly linked to the data breaches that occurred with Equifax, XXXX and XXXX XXXX XXXX XXXX and my sensitive personal data ( i.e. social security number, variations of my name, date of birth, etc. ) was compromised during these incidents. 

Details of the complaint are as follows : 1. Identity Theft Overview : I discovered that my personal information, including my Social Security number, date of birth, and other confidential details, were used to open accounts and make unauthorized purchases. This has caused significant financial harm, and I am now working to address the fraudulent activity. 



2. Connection to Equifax, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX am aware that Equifax, XXXX and XXXX XXXX XXXX experienced major data breaches in which sensitive personal information of millions of consumers, including mine, was exposed. The compromise of my data during these breaches directly led to the fraudulent activity I am experiencing. 



3. Steps Taken to Resolve : I have already taken steps to report this identity theft to the relevant credit reporting agencies, initiated fraud alerts, and placed a credit freeze on my accounts. However, the unauthorized activities continue to impact my credit and financial standing. 

4. Request for Assistance : I am requesting that the Consumer Financial Protection Bureau provide guidance on the next steps for recovery, and hold the responsible parties, including Equifax, XXXX and XXXX XXXX XXXX XXXX XXXX for the breach of my personal information. 

I would appreciate your prompt attention to this matter, as it is causing me considerable distress and financial hardship. 

Thank you for your time and assistance in addressing this issue. I look forward to your response and any further steps I can take in resolving this situation. 

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 non-monetary relief
Consumer complaint received 2025-04-05 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: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Date : XX/XX/2025 Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Complaint Regarding Identity Theft Due to Data Breaches by Equifax, XXXX and XXXX XXXX XXXX To Whom It May Concern, I am writing to formally lodge a complaint regarding identity theft that I have been a victim of, resulting in unauthorized use of my personal information to open accounts and make purchases that I did not authorize or have knowledge of. This identity theft was directly linked to the data breaches that occurred with Equifax, XXXX and XXXX XXXX XXXX XXXX and my sensitive personal data ( i.e. social security number, variations of my name, date of birth, etc. ) was compromised during these incidents. 

Details of the complaint are as follows : 1. Identity Theft Overview : I discovered that my personal information, including my Social Security number, date of birth, and other confidential details, were used to open accounts and make unauthorized purchases. This has caused significant financial harm, and I am now working to address the fraudulent activity. 



2. Connection to Equifax, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX am aware that Equifax, XXXX and XXXX XXXX XXXX experienced major data breaches in which sensitive personal information of millions of consumers, including mine, was exposed. The compromise of my data during these breaches directly led to the fraudulent activity I am experiencing. 



3. Steps Taken to Resolve : I have already taken steps to report this identity theft to the relevant credit reporting agencies, initiated fraud alerts, and placed a credit freeze on my accounts. However, the unauthorized activities continue to impact my credit and financial standing. 

4. Request for Assistance : I am requesting that the Consumer Financial Protection Bureau provide guidance on the next steps for recovery, and hold the responsible parties, including Equifax, XXXX and XXXX XXXX XXXX XXXX XXXX for the breach of my personal information. 

I would appreciate your prompt attention to this matter, as it is causing me considerable distress and financial hardship. 

Thank you for your time and assistance in addressing this issue. I look forward to your response and any further steps I can take in resolving this situation. 

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 2025-04-05 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX & XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: AL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Dispute of Fraudulent Account Identity Theft and Lack of Legal Capacity ( FCRA 609, 611, 605B ) Dear CFPB Representative, I am writing to formally dispute an inaccurate and fraudulent account that appears on my credit report. This debt does not belong to me, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ) and applicable consumer protection laws. 

Details of the Disputed Account : Creditor : [ Insert Creditor or Furnisher Name ] Account Number : [ Insert Account Number ] Date Opened : [ Insert Date, if available ] Amount : [ Insert Amount ] Credit Bureau Reporting : [ XXXX / XXXX XXXX XXXX specify which ] Grounds for Dispute : Victim of Identity Theft ( FCRA 605B ) I did not authorize this account. I am a confirmed victim of identity theft. Per FCRA 605B, I am requesting the immediate blocking and removal of this fraudulent account from my credit file. 

Lack of Legal Capacity Due to Severe Mental Illness During the time this account was allegedly opened, I was under documented treatment for severe mental illness and did not possess the legal capacity to enter into financial agreements. Any alleged debt obtained during this time was done without informed consent or legal capacity, rendering the account invalid and unenforceable. 

Violation of My Rights Under FCRA 604 and 609 I have not been provided with proper documentation or original signed agreements that prove I initiated this account. Under FCRA 609, I formally request that the furnisher and credit bureaus provide verifiable documentation with my signature proving liability. 

Americans with Disabilities Act ( ADA ) I am protected under the ADA due to my mental health condition. Continuing to report this fraudulent debt not only exacerbates my condition but may constitute discriminatory practices and cause irreparable harm.

Requested Action : Immediate removal of the disputed account from all credit reporting agencies. 

An investigation by the furnisher and a response within the required 30-day period under FCRA 611 XXXX 

Written confirmation of the removal and a copy of my corrected credit report. 

Attached are copies of my [ drivers license/state ID ], a police report or identity theft affidavit ( if available ), medical documentation ( optional ), and any correspondence from the creditor. 

Please take this matter seriously and respond swiftly. If this issue is not resolved, I will pursue further legal action through the appropriate channels. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a Wells Fargo account and was constantly charged overdraft fees unfairly.

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 2025-04-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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 don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-05 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 don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 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 non-monetary relief
Consumer complaint received 2025-04-05 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: TX

Complaint narrative:
I don't agree with the account listed below which still appears on my credit report, even after your XXXX. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 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 2025-04-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I'm using the Amazon store card, it was supposed to help your buy from them and pay monthly, but when it's time for the automatic payment, they take the total amount. 
And when the automatic payment is processed, you think you don't owe them anymore, they refund you them money, then say you overdue and collect fees. When through my statements they done it every month. My total went from XXXX to XXXX only by overdue.

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