vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the accuracy and verifiability of a tradeline being reported by XXXX XXXX XXXX XXXX under account reference XXXXXXXX XXXX XXXX XXXX XXXX According to XXXX  the account was paid and closed with a {$0.00} balance on XX/XX/2020, and was reported as paid as agreed. However, Experian, XXXX XXXX XXXX  continues to display it as Potentially Negative, showing late-payment notations for XXXX. This inconsistency has materially harmed my creditworthiness. 

Additionally, when I contacted XXXX directly, their representative informed me that no such account exists in their system. This indicates that either inaccurate or unverifiable data is being furnished. Despite my formal written disputes, XXXX has failed to provide chain of custody or documentary verification to justify continued reporting. Furnishing or verifying inaccurate information constitutes a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) as well as Florida statutes ( 559.72 FCCPA, 501.204 FDUTPA ). 

I am requesting that the CFPB intervene, as XXXX has not produced any valid documentation supporting the accuracy of this tradeline and continues to allow derogatory data to harm my consumer reports.

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 2025-08-22 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: CA

Complaint narrative:
Complaint Against TransUnion Consumer Solutions for Ongoing Investigation Failures Reference : Case # XXXX ( closed, filed XX/XX/XXXX ) TransUnions investigation of my disputes ( XX/XX/XXXX, XXXX XXXX, XXXX XXXX, XXXX ) for inaccurate accountsXXXX XXXX XXXX XXXX {$1800.00} ; XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX {$770.00} ; XXXX XX/XX/XXXX ), XXXX ( {$27000.00} ; XXXX XX/XX/XXXX ), XXXX XXXX  ( {$2600.00} ; XXXX XX/XX/XXXX ), XXXXXXXX XXXX  XXXX {$1800.00} ; XXXX XX/XX/XXXX ) is inadequate, violating FCRA 1681i ( a ) ( 1 ). Their XX/XX/XXXX, response ( case # XXXX ) likely deleted only XXXX XXXX XXXX and XXXX XXXX XXXX , retaining XXXX, XXXX, and XXXX as verified/updated without XXXX proof, violating FCRA 1681i ( a ) ( 5 ) ( C ). These are time-barred ( XXXX expired XXXX, XXXX XXXX XXXX and re-aged ( XXXX XXXXXXXX vs. Date Opened XXXX ), violating FCRA 1681e ( b ). Personify and XXXX likely remain under dispute, ignoring double-reporting and time-barred status. They missed XX/XX/XXXX dispute deadlines ( XXXX XX/XX/XXXX, XXXX ), providing a late, unpostmarked response ( XXXX XXXX, XXXX ), violating FCRA 1681i ( a ) ( 6 ). No Method of Verification or re-reporting blocks provided. These harm my credit ( XXXX ), loans, jobs, and cost XXXX XXXXXXXX in certified mail. Evidence ( disputes, receipts ) is in case # XXXX. I request immediate deletion and FCRA enforcement.

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 2025-08-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I received a credit card statement ( XX/XX/XXXX - XX/XX/XXXX ) that reflected interest for a transaction ( XX/XX/XXXX for {$210.00} ) that posted XX/XX/XXXX. This transaction was the only transaction for the month *. The amount of the transaction that was charged interest was less than the full transaction amount ( {$36.00} ). I havent seen in the past where I was charged interest on a purchase without giving the time to pay it off by the due date ( XX/XX/XXXX ). I was charged interest ( {$.00} ) for making a purchase and not for carrying over a balance. 

* My beginning balance was associated with a balance transfer with a 0 % promotional XXXX until XX/XX/XXXX I called the customer service number and they refunded the interest but couldnt explain why I was charged interest at all.- This past months statement ( XX/XX/XXXX - XX/XX/XXXX ), I was charged interest ( {$1.00} ) for the prior months transaction ( {$36.00} ) as well as a charged processed in the current statement ( {$53.00} ). Throughout the month I paid off the entire balance plus some of the months purchase ( {$2200.00} ) but was still charged interest ( {$1.00} ). - Previous balance - XXXX Purchases - XXXX Payments- $ XXXX I set up an appointment at the branch and they couldnt explain how I was charged interest when my payments exceeded my balance and most of my purchases balance. They called the same customer service number and the interest was refunded but I couldnt talk to anyone to explain why or how I was being charged interest.

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 monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
They would never take my payment over the phone off debit card! They claim only bank account they can do I was never able to get payments through to add I never requested this card. The employee asked for my id for my purchase and I thought it was for medicine I was purchasing. She applied for credit without my knowing XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XX/XX/XXXX Account nameCOMENITYCAPITAL/XXXX  Account XXXX Original creditor- Company sold- Account typeCharge Card Date XXXX XXXX, XXXX Open/closedClosed StatusAccount charged off. {$980.00} written off. 
Status updatedFeb Subject : Cease and Desist Communication Regarding Debt Account # Account Number Dear Creditor/Debt Collectors Name, I am writing to formally request that you cease and desist all communication with me regarding the alleged debt referenced above. I am aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ), and I hereby exercise my right to demand that you stop all further contact with me immediately. 
Please note, this letter is to inform you that you must not contact me by phone, mail, email, or any other form of communication except to notify me of any specific legal actions you intend to take. Any continued attempts to contact me may be considered harassment and a violation of federal law. 
Additionally, I request that you provide verification of the debt you claim I owe, including the amount, original creditor, and documentation supporting your claim. 
Thank you for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This public record information is inaccurate so please review all the documents I've sent in regards to this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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: FL

Complaint narrative:
I am submitting this complaint to request the deletion of a specific account from my credit report with Equifax Information Service LLC due to inaccurate and inconsistent information, based on my rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
Account Number : XXXX Creditor Name : XXXX Incorrect information identified in reports from all three credit bureaus. 
Legal Grounds for Information Deletion : Right to Accurate Information ( FCRA, Section 609 - 15 U.S.C. 1681g ) : I request that the authenticity of this account be manually verified with the original creditor, rather than relying on the automated e-OSCAR system, and that I receive a detailed explanation of the verification process. 
Reinvestigation of Disputed Information ( FCRA, Section 611 - 15 U.S.C. 1681i ) : Under this section, I demand a full reinvestigation of the account and immediate correction of any inaccurate information. 
Deletion of Inaccurate or Unverified Information ( FCRA, Section 611 ( 5 ) - 15 U.S.C. 1681i ( 5 ) ) : In accordance with the FCRA, if the information can not be verified, it must be removed from the report.

Responsibility of Information Furnishers ( FCRA, Section 623 ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ) : The creditors inability to validate this information warrants its removal.

Compliance with Accuracy Procedures ( FCRA, Section 607 - 15 U.S.C. 1681e ( b ) ) : The inaccuracy in my report suggests a failure to adhere to required accuracy procedures.

Permissible Purposes for Access ( FCRA, Section 604 - 15 U.S.C. 1681b ) : I request confirmation that access to my report was legitimate. If it was not, I request the removal of any unauthorized data. 
Truth in Lending Act ( TILA, Section 1601 - 15 U.S.C. 1601 ) : TILA reinforces my right to accurate information, and the presence of this inaccurate account contradicts that right. 

Supporting Case Law : In XXXX XXXX XXXX XXXX, XXXX ( XXXX XXXX XXXX ), the responsibility of credit bureaus to adequately investigate consumer disputes is emphasized. XXXX XXXX XXXX, XXXX further reinforces the obligation to maintain reasonable procedures to ensure accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/year> Online Information Services , Inc . 
XXXX XXXX XXXX  XXXX, NC XXXX Re : Cease and Desist Account XXXX To Whom It May Concern, This letter serves as my formal demand that Online Information Services , Inc. immediately cease all communication with me regarding the above-referenced alleged debt. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), once you receive this notice, you must stop all collection activities, including but not limited to phone calls, letters, and electronic communications. 

Be advised of the following : I dispute the validity of this alleged debt. 
I require that you cease all direct contact with me, my family, my employer, or any third party regarding this matter. 
Any further attempts to communicate with me outside of proper legal proceedings will be treated as harassment and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

If your office intends to take legal action, you may do so through the appropriate court channels. Otherwise, I expect no further communication from Online Information Services , Inc. regarding this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnEquifax Information Services, LLC\nXXXX XXXX XXXX XXXX XXXXSubject: Follow-Up  Request to Block and Delete Fraudulent Accounts  Identity\nTheft Victim\n\nDear Equifax Consumer Services,\n\nI am writing to follow up on my previous request regarding the blocking and deletion of\nfraudulent accounts and information related to my identity under the Fair Credit\nReporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of\nidentity theft because of the Equifax data breach, and unauthorized accounts have\nbeen fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\nI request that Equifax promptly block and delete the fraudulent accounts from my credit\nfile to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as\nwell as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please\ncontact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in\nensuring my credit report remains accurate and free from fraudulent activity.\n\nLucinda Porte'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-22 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:
Complaint Against Equifax Information Services , LLC for Ongoing Investigation Failures Reference : Case # XXXX ( closed, filed XX/XX/XXXX ) Equifaxs investigation of my disputes ( XX/XX/XXXX, XXXX XXXX, XXXX ) for inaccurate accountXXXX XXXX XXXX  ( {$1800.00} ; XXXX XX/XX/XXXX ), XXXX XXXX XXXX XXXX {$770.00} ; XXXX XX/XX/XXXX ), XXXX XXXX XXXX ( {$0.00} ; closed XX/XX/XXXX ) is inadequate, violating FCRA 1681i ( a ) ( 1 ). They retained XXXX, XXXX, and XXXX XXXX as verified despite re-aging XXXX XXXX XXXX XXXX Date Opened XXXX ) and time-barred status ( XXXX expired XXXX, XXXX XXXX ), violating FCRA 1681e ( b ). XXXX XXXX is overreported to XXXX vs. XXXX ( last payment XX/XX/XXXX ), violating FCRA 1681c ( a ) ( 4 ). Their XXXX XXXX, XXXX, response ( # XXXX ) was illegible ( OCR error ), violating FCRA 1681i ( a ) ( 6 ). They claimed illegible documents ( XX/XX/XXXX ) despite my clear XXXX XXXX resubmission, a delay tactic. Their request for consumer documents for XXXX XXXX shifts verification burden, violating FCRA 1681i ( a ) ( 1 ). XXXX XXXX  proof provided, violating FCRA 1681i ( a ) ( 5 ) ( C ). These harm my credit ( XXXX ), loans, jobs, and cost XXXX XXXXXXXX in certified mail. Evidence ( disputes, receipts ) is in case # XXXX. I request immediate deletion and FCRA enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 explanation
Consumer complaint received 2025-08-22 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: IL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Second Demand Willful Noncompliance by TransUnion, Experian, Equifax, and IC System To Whom It May Concern : I am writing for the second time to address continuing and unlawful activity on my credit reports. Despite prior notice, TransUnion, Experian, and Equifax have failed to remove inaccurate and unauthorized entries, and XXXX XXXX continues to report damaging negative information. This ongoing conduct constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). 

Ongoing Violations ; Negative Item Reported by XXXX XXXX XXXX XXXX continues to report erroneous and damaging information that is not a valid or authorized debt. This false reporting is harming my creditworthiness and financial opportunities. 

Failure to Correct After Prior Notice I previously provided written notice demanding investigation and correction. The failure to act transforms these violations into knowing and willful misconduct under 15 U.S.C. 1681n1681o. 

Unauthorized Disclosure of My Personal Information The continuing publication of false and negative information constitutes a breach of the XXXX  ( 15 U.S.C. 6802 ) and violates my right to financial privacy.

Immediate Action Required Remove XXXX XXXX negative reporting in its entirety. 

Correct and update all credit reports to reflect accurate information. 

Provide written confirmation of corrections and furnish copies of updated reports. 

Deadline for Compliance You have XXXX ( XXXX ) business days from receipt of this notice to comply. Failure to do so will compel me to : File suit under 15 U.S.C. 1681n1681o for willful and negligent noncompliance ; Pursue statutory, actual, and punitive damages, along with attorneys fees ; File complaints with the FTC, XXXX  Attorney XXXX XXXX, and additional regulatory agencies. 

This is a final demand. Your continued inaction has caused and continues to cause me significant financial harm, reputational damage, and emotional distress. You are now on clear notice that further delay will result in legal enforcement. 

I expect immediate correction and documented confirmation. 

Sincerely, XXXX XXXX without prejudice

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 2025-08-22 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 object to the inclusion of items reflecting accounts created without my authorization. Please complete a thorough examination and expunge them. Supporting documents are enclosed.

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 2025-08-22 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:
I am filing this complaint because my credit report is currently showing inaccurate and unauthorized information that is causing me harm. 
First, there is a charge-off account reported by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  with a balance of {$0.00}. This account is being reported in violation of 15 U.S. Code 1681c [ FCRA 605 ( a ) ], which limits the reporting of obsolete or outdated adverse information. Since the account no longer carries a balance, its continued appearance is misleading and damaging. 
Second, my credit report lists XXXX collection accounts : XXXX XXXX XXXX XXXX XXXX  with a balance of {$18000.00} XXXX XXXX  and XXXX XXXXXXXX with a balance of $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$870.00} These collections were not authorized by me. Under 15 U.S. Code 1681c-2 [ FCRA 605B ], I have the right to block information that is the result of identity theft or unauthorized activity, and I am requesting that these accounts be removed. 
Finally, I have discovered unauthorized inquiries from XXXXXXXX XXXX XXXX  on XX/XX/XXXX and XXXX  on XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. I never gave permission for these entities to access my credit report. The Fair Credit Reporting Act states that a consumer report may only be obtained for a permissible purpose under 15 U.S. Code 1681b ( a ) [ FCRA 604 ( a ) ], and obtaining a report without such authorization may constitute a violation of 15 U.S. Code 1681q [ FCRA 619 ], which prohibits obtaining reports under false pretenses.

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 2025-08-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have XXXX delinquent 90 day late payments on my credit report from XXXX until XXXX. I paid off the full {$580.00} in late fees, in XXXX. I also paid the amount due in XXXX, {$110.00} and have set up automatic payments to prevent a late payment again. My credit card payments are always on time or paid well before their due date. I did not realize the original debit card that I had set up for my student loan payments at the beginning of the year was linked to an old debit card until it was too late. My XXXX XXXX went down XXXX points leaving me at a score of 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