vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/year> Affirm Inc RE : Dispute and Validation Request for Account Number : * * * * XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " Affirm Inc '' in the amount of {$190.00}, associated with account number * * * * XXXX. This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( XXXX  ), Fair Debt Collection Practices Act ( XXXX  ), and Uniform Commercial Code ( XXXX XXXX ) to demand full validation.I request the following documentation : XXXX. The original signed credit agreement bearing my wet signature. XXXX. Full itemization of the alleged debt, including all interest and fees. XXXX. Proof of assignment or transfer of the debt, including the complete chain of custody. XXXX. Any pooling or securitization agreements involving this account. XXXX. Confirmation of whether a Form XXXX was issued.XXXX. A complete accounting of the obligation from origination to present. If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MOHELA
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Formal Credit Report Dispute Missouri Higher Education Loan Account # XXXX To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of the reporting of XXXX Missouri Higher Education Loan ( Account # XXXX ) as listed on my XXXX  credit report dated XX/XX/XXXX. 

Details in Question : The account is inaccurately reporting a balance of {$61000.00} with multiple severe derogatory delinquency statuses, including 90 and 120 Days Past Due markers. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain procedures to ensure maximum possible accuracy of the information they report. This account appears to violate that requirement based on the following grounds : Dispute Issues : There has been no verifiable documentation provided demonstrating the validity of this alleged debt, my contractual liability, nor the legitimacy of the reported delinquency dates.

The balance exceeds the original high credit limit of {$52000.00}, which is a direct contradiction under FCRA 1681c and may constitute inaccurate reporting.

This accounts delinquency reporting is inconsistent and unverifiable, which, under FCRA 15 U.S.C. 1681i ( a ), obligates Equifax to conduct a reasonable reinvestigation and remove any unverifiable information.

Additionally, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ), it is unlawful to report inaccurate, incomplete, or unverifiable data to a consumer reporting agency.

Sincerely XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-07-07 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:
Today, I am lodging a complaint to notify you that I have fallen victim to identity theft. I have filed a report with the Federal Trade Commission ( FTC ) at https : XXXX, in accordance with FCRA Section 605b, which mandates Credit Reporting Agencies to investigate any items listed on an identity theft report. I have attached documents to facilitate the investigation of erroneous information currently posted on my report. 
Enclosed is a list of items that neither belong to me nor were opened with my permission XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Balance {$370.00} '' XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am filing this complaint because all three major credit bureaus Equifax, Experian, and TransUnion are reporting a fraudulent collection account from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX Bank ) that was opened in my name without my knowledge or consent. 

I am a confirmed victim of identity theft and a documented victim of the Equifax data breach. I have submitted to all three bureaus : An FTC Identity Theft Report A completed and signed IRS Form XXXX ( Identity Theft Affidavit ) A copy of my government-issued ID A utility bill/proof of address Under FCRA XXXX ( XXXX U.S.C. XXXX ), the credit bureaus are required to block and delete identity theft-related accounts within XXXX ( XXXX ) business days of receiving proper documentation. That has not been done. 

Additionally, this continued reporting violates : FCRA XXXX failure to conduct a reasonable reinvestigation FCRA XXXX duties of furnishers to investigate and correct FCRA XXXX lack of permissible purpose to report fraudulent tradelines The account is causing harm to my credit and finances, and I am requesting the CFPB take immediate action to enforce deletion of this account from all three credit reports and ensure full compliance with the Fair Credit Reporting 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 explanation
Consumer complaint received 2025-07-06 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Source Receivables Management LLC
State: VA

Complaint narrative:
NOTICE TO CEASE AND DESIST Sources Receivable Management shall remove the listed fraudulent and misleading account below from my consumer report. Reporting this account and attempting to collect on these accounts is fraudulent, and is a violation of XXXX USC XXXX It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I believe Sources Receivable Management. Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to Sources Receivable Management. You have XXXX business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of XXXX USC Code XXXX ( XXXX ) The advertisement for sale of any debt to coerce payment of the debt by sending the letter dated XX/XX/year> and you can also violate XXXX USC Code XXXX ( XXXX ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I hereby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : Debt Validation Request Account Number : ( Acct XXXX ) Amount Reported : {$2500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account.

Specifically, I demand that you provide the following documentation : 1. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made. 
XXXX. The original signed contract or agreement bearing my signature that legally binds me to this obligation. 
XXXX. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present. 
XXXX. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector. 
XXXX. A copy of the Pooling and Servicing Agreement ( XXXX ) if this debt was securitized, including the Schedule of Loans or Receivables. 
6. The name, address, and EIN of the current creditor or trust that legally owns this account.

7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA.

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney Generals Office. 

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Debt Validation Request Account Number : ( Acct XXXX ) Amount Reported : {$2500.00} To Whom It May Concern : This letter is a formal notice to dispute the validity and enforceability of the above-referenced alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting comprehensive debt validation and verification of ownership of this account. 

Specifically, I demand that you provide the following documentation : XXXX. A full itemized breakdown of the alleged debt, including principal, interest, fees, and any payments made. 
2. The original signed contract or agreement bearing my signature that legally binds me to this obligation.

3. The complete chain of title showing all assignments, sales, or transfers of this account from inception to present.

4. Proof that you are the current legal owner of the debt and not merely a servicer or third-party collector.

5. A copy of the Pooling and Servicing Agreement ( PSA ) if this debt was securitized, including the Schedule of Loans or Receivables. 
XXXX. The name, address, and XXXX of the current creditor or trust that legally owns this account. 
7. Copies of IRS Forms 1099-C or 1099-A, if applicable.

Please be advised that if this debt has been securitized or sold to an asset-backed trust, your company may no longer have standing to collect, report, or pursue legal action. Any attempt to do so without proper documentation constitutes a material misrepresentation and may result in legal action for violations of the FDCPA, FCRA, and TILA. 

You must cease all collection activities and reporting to consumer credit agencies until full and proper validation is provided. Failure to respond within 30 days may result in a complaint being filed with the CFPB, FTC, and the State Attorney XXXX XXXX. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XXXX I opened a Comenity bank XXXX store credit card. Every month my bill was paid in full, on time direct from my banks bill pay. I noticed they started charging me a {$40.00} late fee which was inaccurate. I called the first time and disputed it in which they credited my account. The second time it happened I called again and the refused to credit me without proof. I sent them proof showing that the money was withdrawn and cashed prior to the due date in XXXX of XXXX. They never accepted the banks proof. In XXXX of XXXX again I paid my card in full but minus the late fee of {$40.00}. In which I stated they were being fraudulent and I refuse to pay. Keep in mind most monthly statements ranged from several XXXX dollars to over a XXXX dollars with me paying on time and in full to continue my great credit score that Ive always taken pride in. I made the final payment on XXXX in the amount of {$800.00} and closed that account. The last few months they have continued to harass me with phone calls at least once a day. They have left messages. They call seven days a week from XXXX on. The last time I spoke to them I explained to the lady the situation and that I will not be paying a fraudulent charge and that they could take me to court. I have proof and documentation of all payments made in full and on time. Ive asked them to stop harassing me. I have disputed with the credit bureaus as they are reporting me missing payments for months in a row. It was accepted and now I have to get them to remove their fraudulent claims on my credit report. This bank needs to be investigated for fraudulent charges as some people would have just given up and paid to get them to stop the harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX * RE : Formal Credit Report Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To Whom It May Concern, I am formally disputing the accuracy, completeness, and verifiability of the reporting of * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) as listed on my Equifax credit report dated XX/XX/XXXX. 

Details in Question : The account is inaccurately reporting a balance of {$61000.00} with multiple severe derogatory delinquency statuses, including 90 and 120 Days Past Due markers. According to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), consumer reporting agencies must maintain procedures to ensure maximum possible accuracy of the information they report. This account appears to violate that requirement based on the following grounds : Dispute Issues : There has been no verifiable documentation provided demonstrating the validity of this alleged debt, my contractual liability, nor the legitimacy of the reported delinquency dates.

The balance exceeds the original high credit limit of {$52000.00}, which is a direct contradiction under FCRA 1681c and may constitute inaccurate reporting. 

This accounts delinquency reporting is inconsistent and unverifiable, which, under FCRA 15 U.S.C. 1681i ( a ), obligates Equifax to conduct a reasonable reinvestigation and remove any unverifiable information.

Additionally, under Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ), it is unlawful to report inaccurate, incomplete, or unverifiable data to a consumer reporting agency. 

Sincerely XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
A withdrawal of {$4500.00} from my Citibank account, which you claim was taken as a right of offset for a loan balance. I am not aware of any such loan with Citibank and have no documentation showing that I authorized or signed any agreement for this alleged debt.

I have made two previous requests asking for full documentation and verification of the alleged loan. To date, I have received no copy of any loan agreement, promissory note, account statements, or explanation as to how Citibank claims this debt exists or your legal basis for exercising the right of offset.

Until Citibank provides proper and lawful verification of this debt, I consider this withdrawal unauthorized and in violation of my consumer rights under the Fair Credit Billing Act, Electronic Fund Transfer Act, and other applicable consumer protection laws.

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 2025-07-06 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:
HELLO, MY NAME IS XXXX XXXX XXXX XXXX. I AM SENDING THIS COMPLAINT TO THE CREDIT AGENCIES TO REMOVE FRAUDULENTLY OPENED ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

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 2025-07-06 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: LA

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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