vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: CA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Absolute Resolutions Corp.
State: FL

Complaint narrative:
Absolute Resolutions Investments , LLC sued me in court and the case was dismissed, however they're still reporting the debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
PLEASE REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME & HAVE BEEN AN NEGATIVE IMPACT ON MY CREDIT AND VIOLATION OF MY CONSUMER RIGHTS. AND REPORTING INCORRECT INFO TO EACH CREDIT BUREAU, VIOLATING my consumer rights. I have filed ftc reports. Please remove! 

XXXX XXXX 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 2025-07-25 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: NY

Complaint narrative:
PLEASE REMOVE THESE ACCOUNTS THAT DO NOT BELONG TO ME & HAVE BEEN AN NEGATIVE IMPACT ON MY CREDIT AND VIOLATION OF MY CONSUMER RIGHTS. AND REPORTING INCORRECT INFO TO EACH CREDIT BUREAU, VIOLATING my consumer rights. I have filed ftc reports. Please remove! 

XXXX XXXX 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 2025-07-25 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 Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX  XXXX XXXX TX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$16000.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX  Date : XX/XX/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 2025-07-25 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ EXETER FIN ] Account Number : [ XXXX ] Creditor Name : [ GLBLNDSVCS ] Account Number : [ 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 2025-07-25 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MN XXXX RE : Dispute of Account Request for Removal Under FCRA & Debt Validation for Alleged Debt of {$1400.00} To Whom It May Concern, I am writing to formally dispute the validity of an account reported by XXXX XXXX XXXX, listed on my credit report as a charge-off for {$1400.00}. I do not owe this debt and have no knowledge of any obligation to your company in that amount.

Under the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ), I am requesting full validation and documentation related to this alleged debt, including : A copy of the original signed contract or agreement showing I am legally responsible for this {$1400.00} debt.

A detailed breakdown of how the amount of {$1400.00} was calculated.

The name and contact information of the original creditor. 

Proof that XXXX XXXX XXXX has the legal authority to collect or report this debt. 
Additionally, under FCRA Section 605B, I am requesting the immediate blocking and removal of this inaccurate and unverified information from all consumer reporting agencies ( Equifax, Experian, and TransUnion ), as it is either incorrect or potentially the result of identity theft or misreporting.

Unless this account can be fully validated with accurate and verifiable documentation, I demand that it be permanently removed from my credit file. If this is not resolved within 30 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 

Please provide a written response and copies of all documentation you have. Until this matter is resolved, cease all collection efforts related to this 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 non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
This is a follow-up to my prior submission XXXX. Chase claims to have sent a response to my attorney ( XXXX XXXX XXXX on XX/XX/year>. No correspondence has been to sent to him or myself as of today, Friday, XX/XX/year>. No one reached out to him to research or reply to the complaint. 

I am again requesting that Chase reach out to him to discuss, and to honor their prior request to close the submission I submitted on XX/XX/year>. 

To recap the issue : Chase earlier this year issued me two IRS Forms 1099-C, indicating purported cancellations of debt in the amounts of {$18000.00} and {$45000.00}, respectively. These forms ( which are included in this communication ) are factually and legally incorrect, and Chase is hereby demanded to issue corrected 1099-C forms reflecting {$0.00} in cancelled debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute the closure and delinquency reported on my XXXXXXXX XXXX XXXX account, which is issued by Comenity Capital Bank. Account number : XXXX Since being approved for the card, I have never received the physical credit card or a single billing statement until 2 days ago. I contacted customer service multiple times requesting that the card be mailed to me, and each time I was assured it would be sent. Despite my repeated efforts, the card was never delivered, and I was left without access to the account or knowledge of any balance due. 

Initially, I was informed that the account was closed due to non-payment. However, I was recently told by a representative that the closure was actually due to a flagged credit report. This is extremely confusing and inconsistent. I was already approved for the account, which means a credit check had already been done and the decision had been made. 

If the account was closed based on a subsequent credit review, I am legally entitled to an adverse action notice under the Fair Credit Reporting Act ( FCRA ). I never received any such notice explaining the reason for the closure or which credit reporting agency was used. This raises serious concerns about transparency and compliance with federal consumer protection laws. 

I am requesting that the following actions be taken immediately : 1. A formal investigation into the failed delivery of the card and billing statements.

2. A copy of the adverse action notice, if applicable, explaining the reason for account closure.

3. Reversal of any late fees, penalties, or interest charged to the account.

4. Deletion of any negative credit reporting associated with this account.

5. Reinstatement of the account and reissuance of the credit card, if possible.

This situation has caused me unnecessary stress and potential damage to my credit through no fault of my own. I respectfully request your urgent attention to resolving this matter.

If I do not receive a satisfactory resolution within 30 days, I will be filing a formal complaint with the Consumer Financial Protection Bureau and disputing any negative entries with the credit bureaus.

Please confirm receipt of this letter and provide a written response regarding the resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: DISCOVER BANK
State: AL

Complaint narrative:
In XXXXXXXX XXXX XXXX  I was contacted by a debt collection agency for Discover. They were trying to collect {$520.00} for a credit card that I never opened. There was never an inquiry on my credit report to open this card. The address for the credit card billing was NOT my home address. I have filed disputes with three credit agencies ( XXXX XXXX XXXX XXXX XXXX I have filed a police report and sent it to Discover. I have contacted Discover multiple times for resolution. At this point, Discover will not help me in any way and I have exhausted all methods to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-07-25 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 recently discovered a fraudulent account inaccurately associated with my credit history. This account was not opened by me and represents a serious misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity theft, and my personal information was stolen including my id and social security number. My information was used to open up loans in my name without my permission. I have contacted Experian, Equifax, and TransUnion credit bureaus to remove all fraudulent accounts from my credit report with no success. They have refused to protect my credit report or correspond with my request to remove accounts that don't belong to me. I have also contacted the Fair Credit reporting act, Equal Credit opportunity Act, and Fair and Accurate Credit Transactions Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: GA

Complaint narrative:
I am a victim of identity theft, and my personal information was stolen including my id and social security number. My information was used to open up loans in my name without my permission. I have contacted Experian, Equifax, and TransUnion credit bureaus to remove all fraudulent accounts from my credit report with no success. They have refused to protect my credit report or correspond with my request to remove accounts that don't belong to me. I have also contacted the Fair Credit reporting act, Equal Credit opportunity Act, and Fair and Accurate Credit Transactions Act.

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I did not open these accounts and was completely unaware of their existence. As such, I insist that they be removed from my credit file. Under USC 1681g, I am formally requesting deletion within 15 days. Please find the enclosed documents supporting my claim.

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 2025-07-25 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: FL

Complaint narrative:
TRANSUNION EQUIFAX EXPERIAN XXXX  XXXX  HAVE REPEATEDLY ILLEGALLY VIOLATED MY FAIR CREDIT ACT RIGHTS THEY CONSTANTLY RECYCLE OLD ACCOUNTS AND RELIST AS CURRENT, IGNORED IDENTITY THEFT DATA BREACHES CO MINGLED CREDIT WITH ANOTHER XXXX XXXX FROM XXXX WRONG NAMES ADDRESSES ACCOUNTS ACCOUNT STANDINGS AND WRONG DATES ILLEGALLY HAVE XXXX PARTY COLLECTION AGENCIES ON MY ACCOUNT DESPITE THE FACT I HAVE NO LEGAL CONTRACT WITH THESE THIRD PARTIES REMOVED MY EXPUNGED BANKRUPTCY FROM ALMOST 9 YEARS AGO THEN RE LISTED AS 2025 IN ADDITION THEY DID THE SAME TO OLD DEBTS AND COLLECTION AGENCIES MOST OF WHICH ARE NOT MINE WHILE DELETING ACCURATE 20 YEAR LONG EXCELLENT PAYMENT ACCOUNTS MY MORTGAGE IS MISSING THEY HAVE DESTROYED MY LIFE AND LIFE OF MY XXXX CHILDREN RENDERED ME HOMELESS MANY TIMES LOST EMPLOYMENT LOST WORK SPENDING TIME REPEATEDLY DOING THIS YET THEY NEVER RESOLVE ANYTHING THEY JUST MAKE IT WORSE THIS IS ILLEGAL IMMORAL AND UNETHICAL

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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 is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXXXX H XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-25 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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