vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: MI

Complaint narrative:
As I reviewed my recent report, I have found a lot of erroneous information reporting on my TRANSUNION Credit Report. I am not sure if you have conducted a thorough investigation for the following items : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$97000.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$2700.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED : XX/XX/XXXX BALANCE : {$17000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX DATE OPENED XX/XX/XXXX BALANCE : {$20000.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE {$31000.00} * * * UNAUTHORIZED INQUIRIES * * * XXXX XXXX DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX DATE OF INQUIRY XX/XX/XXXX ; XXXX  DATE OF INQUIRY XX/XX/XXXX ; XXXX  DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX ; XXXX AUTO DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX DATE OF INQUIRY XX/XX/XXXX ; XXXX  DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX DATE OF INQUIRY XX/XX/XXXX ; XXXXXXXX XXXX  DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX DATE OF INQUIRY XX/XX/XXXX ; XXXX XXXX DATE OF INQUIRY 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 2025-05-15 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
I was charged an unfair late fee of {$29.00} ( and later interest charge of {$2.00} ) on Comenity Bank 's XXXX statement, despite the fact that I had paid all bills for the few purchases I had made at Comenity 's XXXXXXXX XXXX XXXX XXXX XXXX for the few baby and children 's gifts I have purchased, and despite the fact that I had sent all my bill payments immediately upon receipt of the bill and in plenty of time for Comenity to receive it. I could not do anything more or anything different. I should not be charged a late fee for being a responsible customer and bill payer. I have contacted Comenity six times by phone and three times by written letter to try to get a fair resolution of this dispute, but the company has not assisted or responded. I am continuing to get bills from Comenity, like the one I received yesterday, adding more late fees ( {$31.00} ) and interest charges ( {$2.00} ) for something that I do not owe them. As a XXXX XXXX with limited funds and limited health, I have asked Comenity to stop cheating me and remove the unfair accumulating charges. Now, since I have not heard from them while this issue is under dispute, I feel I must go ahead and send a minimum payment to them, even though I owe them nothing, in order to prevent further harm to my health and my credit rating. Again, I have done everything that I can do to be a responsible customer and expect Comenity to be a responsible bank/credit card company and treat me with courtesy, consideration, fairness, and justice. I am asking that Comenity remove the unfair charges that they have imposed on me for no fault of my own.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-15 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CT

Complaint narrative:
In XX/XX/2025, I submitted what I believed to be an application for an Income-Driven Repayment ( IDR ) plan through my federal loan servicer. I was informed that my account would be placed into forbearance while the application was being processed. However, in XX/XX/2025, I discovered that my account had been placed on the Extended Graduated Plan instead of an XXXX, and that a late payment had been reported to the credit bureaus as of XX/XX/2025. 

I was never notifieddigitally or by mailthat my loan had entered repayment or that a payment was due. I was also not informed that my autopay would be canceled or that I needed to take any additional steps to maintain my account. The first time I became aware of the problem was when I saw a delinquency on my credit report, at which point my credit score had dropped by approximately XXXX points. 

After discovering this, I immediately called the servicer on multiple occasions. I experienced dropped calls, delays, and inconsistent information. On XX/XX/XXXX, I was finally informed that I would need to reapply for XXXX through studentaid.gov and that my contact email was outdated. I updated my information and submitted follow-up messages requesting account documentation and correction.

I also submitted a FOIA request to the U.S. Department of Education to obtain records related to my application, communication history, and servicing notes. Despite my good-faith efforts and timely action, I have not received a resolution or confirmation that the late reporting will be removed.

This situation also raises concerns about the secure handling and delivery of borrower communications, especially given I was enrolled in XXXX but received no notice about my account entering repayment. 

The delinquency reporting does not reflect my intent or behavior, and I am requesting that it be removed from my credit report due to miscommunication, mishandling of my repayment plan, and a lack of proper notification by the servicer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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:
These accounts were not opened by me and appear to be fraudulent. I urge you to conduct a detailed review and remove them from my credit report. Relevant supporting documents are attached.

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 2025-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
A credit card was mailed but stolen by a thief who has been apprehended by the XXXX Police Department, XXXX, USA. The police confirmed the suspect had the credit card in person. 

Charges : * XX/XX/2025 : {$320.00} * XX/XX/2025 : {$250.00} I called the credit card company American Express, which will be referred as the " company '', on XX/XX/2025 and confirmed that a case was created. I reached out to them again today on XX/XX/2025 and the company still have not resolved the issue. I have not been refunded the charges nor the additional fees that have incurred. 

The company has not taken any actions in the past two months and have continuously reported that this is " under investigation. '' This is not a fair practice given that the suspect has been apprehended and had the stolen credit card in possession.

The company failed to report and send the acknowledgement letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have several hard inquiries on my report of which I gave no permissions and I havent received anything for them and I would like them removed off my credit report immediately.

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 2025-05-15 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: AZ

Complaint narrative:
I am submitting this formal complaint regarding the repeated inaccuracies in my Equifax credit report concerning XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This is my XXXX XXXX  XXXX dispute XXXX XXXX over this matter, and despite my previous attempts, no action has been taken. 

The reporting discrepancies include XXXX XXXX XXXX XXXX  Inconsistent payment status XXXX XXXX XXXX  Equifax lists the account as Pays Account as Agreed with a * * XXXX delinquency * *, which does not align with the other bureaus. 
XXXX XXXX XXXX Irregular delinquency history XXXX XXXX XXXX XXXXXX/XX/year> is reported as XXXX XXXX  30 days past due XXXX XXXX  but the remaining months are marked as " OK. '' This inconsistency suggests inaccurate reporting practices. 

Under XXXX XXXX FCRA Section 605B XXXX XXXX  when a consumer disputes fraudulent or inaccurate information and provides supporting documentation, the bureaus XXXX XXXX  must correct or block the disputed information within four business days XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
In XXXX  I was accused of submitting and accepting a loan that I never applied for. It was determined a city employee during that time was taking loans out into students name. I was a victim of identity theft, I pressed charges and submitted my police report to the federal student aid. Per federal student aid the loan was dispersed to XXXX XXXX XXXX. I reported this matter to all XXXX credit bureaus on several occasions. The loan were removed from my credit and then placed back on my credit report per the federal student aid. I have documentations of my certified mail to the federal student aid and the credit bureau. My checks are now being wrongfully garnished due to federal student aid negligence of handling this matter. There was never any proof of the loan being deposited to my bank account or to my home address. XXXX requesting for this loan to be removed from my credit report, garnished payments be repaid to me by federal student aid. They failed to submit proper documentation of their investigation, they are trying to force me to pay back a loan I never applied for. If this matter is not taken care of immediately I will be taking legal actions.

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 2025-05-15 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I received a phone call from Midland credit asking me to set up a payment arrangement for a deck that I owed for a credit card. I told them I was not able to obligate to a payment arrangement. At this time, the representative offered several offers for payment arrangements. And amounts to be paid, I told her I could not obligate to I pavement arrangement at this particular time. She told me to make a XXXX time payment of {$25.00} to ensure that I would still be entitled to the payment arrangement that she was offering me. 
She was going to email me that XXXX arrangement, and I was supposed to get back to her. To authorize her to set up a monthly payment arrangement, but I never got back to her.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: NC

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not authorize these companies to access my credit report, nor did I apply for credit with either of them. These inquiries were made without my knowledge or permission, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b ( c ). That section explicitly states that hard inquiries can only be made with the consumers authorization or in connection with a credit transaction initiated by the consumer neither of which occurred in this case. 

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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-05-15 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information.
Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-05-15 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 writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to formally request that this information be blocked. I have enclosed a copy of my FTC Identity Theft Report ( FTC Report Number : XXXX  ) to support my identity theft claim.

Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies are required to block any information identified by the consumer as resulting from identity theft within four business days. 

The following item on my credit report is the result of identity theft and must be blocked : XXXX XXXX XXXX XXXX / XXXX As required by law, I respectfully request that you immediately block this fraudulent information from my credit report. The block must remain in place for at least one year, during which you are

prohibited from reporting any information that has been identified as fraudulent. I may request an extension of this block if necessary.

I have contacted the credit bureau multiple times to report this fraudulent account, yet no resolution has been provided. This situation is severely affecting me, as it is preventing me from securing a new home for my children. These accounts have already been removed or not verified by other bureaus, so I do not understand why they are still being reported as mine. 

I have also requested supporting documentation or contracts from the reporting creditor, but more than 60 days have passed without any response. I urge you to assist me by promptly removing this account. I have attached the FTC report for your review and trust that you will make a fair and appropriate decision in my case.

Company response to consumer: Closed with explanation