vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
On XX/XX/year> I made a payment to XXXX XXXX XXXX and it was credited to a previous account and they refuse to find the payment. XXXX XXXX refuses to cancel the payment and now I have {$2200.00} floating in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: MoneyLion Inc.
State: AZ

Complaint narrative:
I am writing to formally dispute the collection account that you are reporting to the credit bureaus regarding an alleged debt from Money Lion. Upon recently reviewing my credit reports, I was shocked to find this account listed. I have no knowledge or record of ever holding an account with XXXX XXXX XXXX, nor have I received any prior communication from your officeincluding but not limited to a phone call, text message, email, or the Dunning notice required by the Fair Debt Collection Practices Act ( FDCPA ). This lack of notification raises serious concerns regarding the legitimacy, accuracy, and ownership of this alleged debt. This erroneous reporting has caused me significant harm, including difficulty obtaining credit and jeopardizing my pending home loan application. Under the FDCPA, I have the right to request verification of this debt and to dispute its validity. Given that I have not received any required notice or verification as outlined under 15 U.S.C. 1692g, this collection account appears to be in violation of federal law. I am hereby requesting that you immediately remove this collection account from all consumer credit reporting agencies ( XXXX XXXX XXXX XXXX ) as it is unverified and disputed. Please respond to this dispute in writing within XXXX days of receipt of this letter, as required by law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: GA

Complaint narrative:
I am writing to address an outrageous violation of my rights under federal law. You have unlawfully and knowingly reinserted an account that was previously deleted from my credit report without providing the legally required notice. This is a direct and willful violation of the Fair Credit Reporting Act ( FCRA ) 1681i ( a ) ( 5 ) ( B ). 
The following account was previously deleted after a lawful dispute process, but it has now been reinserted on my credit file without : Written notice of reinsertion within XXXX ( XXXX ) business days, as required by FCRA 1681i ( a ) ( XXXX ) ( B ) ( XXXX ) Certification of accuracy from the data furnisher, as required by FCRA XXXX ( a ) ( XXXX ) ( B ) ( i ) INQUIRY, INQUIRY, INQUIRY XX/XX/XXXX, XX/XX/XXXX, 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 2025-06-18 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: NC

Complaint narrative:
I am writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i. 
The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXX XXXX XXXX XX/XX/24 XXXX XXXX  XXXX XXXX XXXX XX/XX/24 XXXX XXXX XXXX XX/XX/24

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 2025-06-18 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: IL

Complaint narrative:
I disputed an item with Transunion, and they responded that it has been verified. I the requested a true and accurate method of verification and was told that it was verified by XXXX XXXX XXXX XXXX. They ( XXXX ) later replied that they got it off a court website. I also asked them to opt out and to not share my information and was told that they do not have a file on me. Neither TransUnion nor XXXX can assure that the information is XXXX XXXX accurate because they are getting the info from a source for which they have no way of verifying it's accuracy.

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 2025-06-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: WA

Complaint narrative:
On XX/XX/XXXX, while on business travel during a reconciliation of receipts and credit card statement, I found several unauthorized transactions from XXXX XXXX  and reported the fraud to Discover and a fraud claim was opened. It was then determined that the fraudulent charges began in XX/XX/XXXX and because the fraud had gone unnoticed for over a year, payments were still being made on the account. 

Despite the fraud being verified by law enforcement and the perpetrator ( former employee of victim ) being arrested and being prosecuted for credit card and identity theft, Discover Card representatives, continue to close the fraud claim and determined that, because I continued to make payments during the year that the fraud was perpetrated against me, I was responsible for all of the fraudulent charges in excess of {$13000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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: TN

Complaint narrative:
I am writing to formally dispute late payment notations listed on my TransUnion credit report associated with the following accounts. These negative entries are inaccurate or misleading, and I am requesting a full reinvestigation under my rights granted by the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$530.00} Dispute Reason : I made my payments on time, but your records appear to reflect otherwise. I believe this is an error possibly caused by a delayed payment posting or misapplied transaction. 
Please verify the payment history and correct or remove the inaccurate late payment reporting. 
XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Reported Balance : {$10000.00} Dispute Reason : I experienced a temporary financial hardship due to unforeseen medical expenses which caused a delay in my payment. However, I have since resumed timely payments and requested a goodwill adjustment to remove the late payment reporting, or a verification of its accuracy if goodwill removal is not applicable. 
Please reinvestigate these items and, if your investigation determines that the negative information can not be verified or is inaccurate, I respectfully request that they be corrected or deleted from my credit file.

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 2025-06-18 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased concert tickets for {$100.00} and {$170.00} with someone I had existing contact with. However, I failed to receive the product. I sent the money through XXXX since I knew them, but I have not received my product. I tried solving it with the person and my bank, but failed on both ends. 

Bank denied my request ; however, I did send it to someone I knew. I used XXXX because I knew this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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 writing to dispute unauthorized hard inquiries listed on my credit report pursuant to my rights under 15 U.S. Code 1681b and 1681i.

The following inquiries were made without my permission, are not tied to any open accounts, and violate the permissible purpose clause under the FCRA : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 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: MS

Complaint narrative:
This is a formal notice of your ongoing failure to maintain accurate, verifiable, and fully compliant reporting on my credit file. Your continued reporting of inaccurate, unverifiable, and conflicting information constitutes a direct violation of my consumer rights under multiple federal statutes, including : 15 U.S.C. 1681e ( b ) : Failure to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) : Failure to conduct reasonable investigations upon my prior disputes.

15 U.S.C. 1681s-2 ( b ) : Willfully furnishing false and unverified data to consumer reporting agencies.

Metro 2 Standards 2020 CRRG : Failure to maintain industry standard data field compliance and integrity. 

I demand that you immediately DELETE the following items due to your inability or refusal to maintain legally compliant data : PERSONAL INFORMATION BEING CHALLENGED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  You have failed to provide certified, legally verifiable evidence to justify continued reporting of these items. The discrepancies, fragmented data, and inconsistent reporting across bureaus prove your willful non-compliance. This puts you in violation not only of federal law but also of Metro 2 industry standards as governed by the Consumer Data Industry Association ( CDIA ). Any deviation from these standards jeopardizes the integrity of the data ( CRRG 2020 ). 

I hereby DEMAND the IMMEDIATE PERMANENT DELETION of the above-listed accounts, collections, inquiries, and personal information from my credit file. This is your legal obligation under federal law to prevent continued harm and financial damage. 

Failure to comply will result in legal escalation, including formal complaints to the CFPB, FTC, State Attorney General, and possible private right of action under 15 U.S.C. 1681n and 1681o. 

THIS IS YOUR FINAL OPPORTUNITY TO CORRECT THESE ERRORS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-18 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-18 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: PA

Complaint narrative:
i have sent letters to transunion and equifax for reporting inaccurate and incomplete information on my credit report and they have not investigate it nor delete it from my profile. the account have no account numbers and missing data which is a violation of the fcra and need to be punished. it has stop me from getting credit in my name for my family.

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 2025-06-18 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: PR

Complaint narrative:
This letter is a formal dispute and request for reinvestigation under 15 U.S.C. 1681i of the Fair Credit Reporting Act. I am disputing the accuracy and/or completeness of the following account ( XXXX ) listed on my credit report. 

Accounts in Dispute : XXXX. XXXX XXXX XXXX XXXX XXXX Account Ending in : XXXX / XXXX Issue : Inaccurate delinquency and past-due balance reporting XXXX. XXXX, XXXX. 
Accounts Ending in : XXXX, XXXX, XXXX, XXXX, XXXX Issue : Accounts reporting as late, charged-off, or first payment never received despite inconsistencies in balance history and due date compliance Legal Grounds for This Request : Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), I am requesting that you conduct a reasonable reinvestigation of the above-listed information. This includes contacting the original creditor or information furnisher and verifying the accuracy and validity of the reported data. 

If you can not verify the information within XXXX  days of receipt of this dispute, as per the law, you must delete the item ( XXXX ) from my credit report. 

Furthermore, per 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), any unverifiable, inaccurate, or outdated information must be permanently removed from my credit file. 

Required Action : Reinvestigate the listed items Provide written results of your reinvestigation Send an updated credit report reflecting any changes Remove any unverifiable or incorrect information Notify any company that requested my report in the last XXXX months if any changes are made ( per 1681i ( d ) )

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 2025-06-18 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: TX

Complaint narrative:
To Whom It May Concern ; For the past several weeks, I have been communicating with the following furnisher about unauthorized inquiries into my credit file : XXXX XXXX XXXX XXXX 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/year> I contacted these furnishers and have received no documentation bearing my signature showing that I authorized any inquiry whatsoever. Furthermore, the furnisher failed to provide documented permissible purpose as detailed in the Fair Credit Reporting Act. 

I now request that you open an investigation into this matter. 

Let me be clear on a matter of importance : I will not accept any documentation from your investigation that does not bear my signature authorizing the furnisher to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. 

In the absence of any such documentation bearing my signature, I formally request that this information be immediately removed from the credit file you maintain under my Social Security Number. 

Finally, I will not accept generic responses from you requesting that I deal directly with the furnisher regarding these matters. This step has already been completed. I have attached a copy of my Drivers License for personal identification

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 2025-06-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-18 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:
PLEASE BLOCKED AND REMOVED. 
I respectfully request the removal of this erroneous entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with non-monetary relief