vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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 XXXX AND EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX 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 # 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 Account Name : XXXX XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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The personal information on my credit report were outdated.

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 2025-05-14 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The personal information on my credit report were outdated.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 non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
On the XXXX XXXX Target apparently charged off my account, without advising me that I was delinquent. I've not received a statement in months, and when I called to find out where the statements were was advised that my address seems correct it must be a problem with the Postal Service. I've been making automated payments since XXXX so I'm not sure how my account became delinquent. 

On XX/XX/XXXX Target accepted a payment from my bank for an account that was charged off. 

I contacted Target to find out what was going on however they can not tell me anything as the account has been charged off. The amount is now owned by a law firm that specializes in filing lawsuits in hopes that the Defendant does not show up for court and they get a judgement. 

With no statements I'm not entirely sure why my account was changed off. 

Attached is a list of my payment history since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
IN ACCORDANCE WITH THE CREDIT REPORTING ACT. THE LIST OF ACCOUNT BELOW HAVE VIOLATED MY RIGHT. 
XXXX XXXX XXXX XXXX STATE I HAVE THE RIGHT TO PRIVACY. 

DELETE THE ACCOUNT BELOW XXXX XXXX XXXX, 2024

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: CA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-14 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: NC

Complaint narrative:
I disputed a debt with Equifax from XXXX XXXX XXXX XXXX on XX/XX/XXXX as I have not been provided validation of this debt from the collection company. The results of my dispute from Equifax advised the account had been verified and updated on XX/XX/XXXX. I responded with a method of verification letter sent via certified mail with return receipt on XX/XX/XXXX. I received confirmation the letter was received on XX/XX/XXXX. My request included a request for Equifax to provide The name and contact information of the party they communicated with to verify the account. A description of the procedure used to verify the information. And Any validation documentation provided to Equifax during the verification process. Equifax responded on XX/XX/XXXX and failed to provide documented evidence of verifying this debt with the collection company. A mere statement of verification without documentary proof is inadequate and constitutes noncompliance. Equifax has a legal obligation to investigate consumer disputes and to provide the documentation to support the validity of the debts being reported from the furnishers. Equifax continues has continued to violate my rights to a fully accurate and valid credit report. I am certain the information reporting under this account is not fully accurate and has not been properly investigated and validated. I am demanding the requested validation documents confirming the information being furnished from XXXX XXXX XXXX XXXX is fully accurate and valid with no inaccuracies or this account needs to be removed from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXXXXXX XXXX XXXXXXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

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

This is a violation of both XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under XXXX XXXX XXXX XXXX, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

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 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 non-monetary relief
Consumer complaint received 2025-05-14 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: FL

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 2025-05-14 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-14 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX XXXX and reported through Equifax, Experian, & TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported. 
Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within 30 days of a dispute. 
I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I made a return in XXXX XXXX at XXXX XXXX XXXX in the XXXX XXXX for XXXX {$160.00}. I wasnt using my XXXX XXXXXXXX XXXX but had a balance, and I thought someone had stolen my card and was using it. I called to make a minimum payment and askes the representative why I had a balance ; they informed me it was due to a late fee assessed on my account. In XX/XX/XXXX, I realized what had happened when I was applying for a loan and was told my XXXX XXXX XXXX had a balance that I was unaware of. My return was never processed, and I was being charged late fees every month, but never reported late to my credit bureaus. I reached out to Comenity Bank to see if they could help, and they told me to contact the XXXX XXXX XXXX store where I made the return. When I called the store, they told me there was nothing they could do except assist me in calling customer service if I came into the store. They advised me to call customer service directly for a solution. I contacted XXXX XXXX XXXX customer service, but they said they couldn't help me and that I needed to reach out to the bank where the refund would have gone back to, I called Comenity Bank back to explain everything, but I am still unable to get a resolution. I was told the late fees can not be waived.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-14 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: Affirm Holdings, Inc
State: MD

Complaint narrative:
In XX/XX/year>, I disputed this account directly with all three major credit bureaus. As a result, XXXX of the bureaus removed the account. However, XXXX  refused to remove it and did not provide any proof or documentation supporting the validity of the account. 
Following this, I sent a certified letter with return receipt directly to Affirm XXXX XXXX, requesting the following : A copy of any agreement bearing my signature that establishes an account with Affirm and confirms that I agreed to assume this alleged debt. 

Documentation authorizing Affirm to collect this alleged debt. 

A valid and detailed itemization of the alleged debt. 

Proof that Affirm XXXX XXXX is licensed to collect debts in the state of Maryland. 

Affirm, XXXX license number and the contact information for its XXXX XXXX. 

In that letter, I also requested the immediate removal of this account from my credit report and the deletion of all related information from my credit file, now and in the future. 
Finally, I stated that failure to comply with this request would be interpreted as an absolute waiver of all claims to enforce the alleged debt. 

I have continued to reach out to XXXX and Affirm XXXX and have been unable to get a resolution. My final attempt was on XX/XX/year>, in which the recording for XXXX would not allow me to speak with a human, and the human from Affirm XXXX, XXXX XXXX, continued to explain to me that he could not assist me without an account number. 

This situation has caused significant and ongoing frustration. To say it has been stressful would be a complete understatement. The prolonged nature of this issue has resulted in extreme emotional distress and has caused damages that feel irreparable. 
To date, I have not received a satisfactory response or the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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:
Re : Dispute of Collection Account Request for Immediate Deletion Account Number : [ XXXX ] XXXX XXXX XXXX XXXX  This letter is a formal notice that I am disputing the validity and accuracy of the above-referenced collection account that appears on my credit report. As per the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692g and Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am demanding full validation of this alleged debt, including : XXXX. A copy of the original signed contract or agreement with the original creditor. 
XXXX. A complete payment history showing that I owe this amount. 
XXXX. Proof that you are legally authorized to collect this debt in my state. 
XXXX. A full chain of assignment showing how and when you obtained this debt. 

Until you provide all of the above, you are in violation of federal law and must immediately : Cease collection efforts Remove this account from all credit reporting agencies ( XXXX XXXX and TransUnion ) Cease reporting any negative information related to this account If you can not validate this debt within 30 days, you are required to delete this account from all credit bureaus and cease all collection activities permanently.

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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-05-14 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: CA

Complaint narrative:
I am submitting a formal identity theft complaint. I have filed an FTC Identity Theft Report and provided supporting identification documents. There are multiple unauthorized hard inquiries and two fraudulent accounts on my credit report that I did not authorize or initiate. 

These items are the result of identity misuse and must be removed under FCRA Section 605B. I am requesting that all unauthorized entries be permanently deleted based on the evidence provided. 

Please process this request accordingly and confirm that these records will be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Todd, Bremer & Lawson, Inc.
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against TODD BREMER AND LAWSON regarding an account I have with them XXXX *. I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : XXXX XXXX * Balance Owed : {$1200.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with TODD BREMER AND LAWSON but to no avail.

Company response to consumer: Closed with explanation