vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: NJ

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, Equifax XXXX TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am a victim of fraud, I never did any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report associated with my account with DISCOVER. I was unaware of the proper use and implications of credit under the Truth in Lending Act ( XXXX ), specifically referencing the congressional findings outlined in section ( a ). 

According to XXXX, XXXX recognized that consumers often lack sufficient information to understand the true cost of credit, leading to uninformed borrowing decisions. This Congressional finding underscores the importance of transparent disclosure and consumer education, which I assert was not adequately provided to me at the time of incurring this debt. 

Furthermore, case law supports the position that consumers should not be held liable for charges incurred without full understanding of the credit terms. In * XXXX XXXX XXXX XXXX XXXX *, XXXX XXXX XXXX ( 1929 ), the Supreme Court emphasized the importance of informed consent and transparency in financial transactions, ruling that lack of proper disclosure can render a contract unenforceable. 

Given these facts, I believe the charge-off reported by DISCOVER is invalid or unjust due to my lack of informed consent and understanding at the time of the account activity. 

If this matter is not resolved promptly by removing the inaccurate charge-off from my credit report, please be advised that I am prepared to pursue legal action. Such action could result in significant costs to your organization, including legal fees and damages for any violations of consumer protection laws. 

I request that this dispute be investigated and that the charge-off be removed from my credit report within the timeframe mandated by the Fair Credit Reporting Act. I look forward to your confirmation that this matter has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Dear XXXX 's XXXX XXXX Department, I am XXXX XXXX XXXX, last XXXX SS is XXXX. I am asking if you can make a courtesy delete of a 30 day late on my credit report. I am asking this because I am in deep need of purchasing a home, as I am trying to manage XXXX elder XXXX parents. This missed payment is due to high volume of stress, XXXX and extra unordinary oversight. 

Could you please remove the 30 day late on all credit reporting bureaus. 

Thank you in advance, Also, notice account was paid in full right after I was given notification of late. 

Thanks. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Identity Theft Report issued by the FTC ( FTC Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days. 
The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of XXXX year, with the option to extend if needed. During this period, no information related to this account may be reported. 
I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution. 
I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family. 
Its important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response. 
I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal and financial harm.

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 2025-10-02 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
The delinquent Credit Card information appeared on my Credit Report. 
SYNCB/PAYPAL XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX Acct ending in XXXX XXXXXXXX Credit Card was opened XX/XX/XXXX. The card was then closed XXXX XXXX. As of XX/XX/XXXX there was a balance due of {$820.00}. 

I reported/disputed to multiple Credit Agencies XXXX XXXX XXXX XXXX XXXX indicating that the delinquent Credit Card account does not belong to me. Results of the dispute was VERIFIED AS ACCURATE and UPDATED by the creditor. 

The card is not mine and the bill was delivered to an address which does not belong to me. 
I do not know who to call at the Credit Card company since this card is not mine. 
I believe this is part of an identity theft. I have put a " Fraud Alert '' on my credit since then. 
I have reached out to XXXX  and they have asked me to file a complaint w/ CFPB.

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 2025-10-02 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: CA

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights.

I demand immediate deletion of the following fraudulent accounts XXXX XXXX XXXX XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I am requesting that you verify that a permissible purpose was provided for this hard inquiry that you are reporting. Otherwise, DELETE. 

XXXXXXXX XXXX XXXXXXXX This account is reported inaccurately. Simply look at the details, as it is reported differently across the bureaus. Please correct this or remove it entirely. 

XXXX XXXX XXXX XXXXXXXX You have violated the United States Code, 15 U.S.C. 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. 

Therefore, under th

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 2025-10-02 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: CA

Complaint narrative:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights.

I demand immediate deletion of the following fraudulent accounts XXXX XXXX XXXX XXXX The law requires that I have proof of a permissible purpose for any information within my report. Therefore, I am requesting that you verify that a permissible purpose was provided for this hard inquiry that you are reporting. Otherwise, DELETE. 

XXXXXXXX XXXX XXXXXXXX This account is reported inaccurately. Simply look at the details, as it is reported differently across the bureaus. Please correct this or remove it entirely. 

XXXX XXXX XXXX XXXXXXXX You have violated the United States Code, 15 U.S.C. 1681b, which outlines the permissible purposes of consumer reports. According to subsection ( a ) ( 2 ), a consumer reporting agency may furnish a consumer report only when provided with written instructions from the consumer involved. I have not granted any written consent for reporting any information on my consumer report. 

Therefore, under th

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 2025-10-02 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX - 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 XXXXXXXX FRAUDULENT INQUIRIES : 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 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX DOB : XX/XX/XXXX SSN : XXXX XX/XX/XXXX LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Accounts in Dispute Formal Demand for Immediate Deletion LVNV FUNDING | Acct # : XXXX | Collection | {$680.00} | In-Dispute LVNV FUNDING | Acct # : XXXX | Collection | {$1100.00} To Whom It May Concern, This letter serves as my formal dispute of the above-referenced accounts and demand for immediate compliance with federal law. I am fully aware of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and will not tolerate violations.

Under 15 U.S.C. 1692g ( b ) ( FDCPA 809 ( b ) ), you are required to provide complete and competent validation of these alleged debts. Let me be absolutely clear : A prior bill, invoice, or computer printout is not validation.

You are hereby demanded to provide a true copy of the original signed contract or agreement bearing my signature. 

You are further demanded to provide the complete, unbroken chain of title/assignment from the original creditor to LVNV Funding, including all transfer and sale agreements showing legal ownership of the debt.

Without both the true original contract and the chain of title, you can not legally prove ownership or the right to collect.

Additionally, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), you are prohibited from furnishing inaccurate or unverifiable information to any credit reporting agency. Continuing to report these accounts to XXXX, XXXX, XXXX, or XXXX without providing the above-required documentation is unlawful and will trigger legal liability. 

Accordingly, I DEMAND that you : Produce the true copy of the original signed contract/agreement ; Produce the full, unbroken chain of title/assignment, showing lawful transfer of the alleged debt to LVNV Funding ; Immediately delete both accounts from all consumer reporting agencies ; Cease all collection activity unless and until you provide the above documentation. 

If you fail to comply within 30 days of receipt, I will proceed with filing complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Illinois Attorney Generals Office. I will also initiate civil litigation in federal court seeking statutory damages, actual damages, costs, and attorneys fees for your willful violations of the FDCPA and FCRA. 

This is your final notice. Comply, or face immediate legal escalation. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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:
This account listing mischaracterizes my payment history and appears inaccurate. I respectfully request its removal after review.

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 2025-10-02 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: CA

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR DELETION You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I demand immediate deletion of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Your continued negligence in handling identity theft reports violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data

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 2025-10-02 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: CA

Complaint narrative:
FORMAL DISPUTE & DEMAND FOR DELETION You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I demand immediate deletion of the following fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Your continued negligence in handling identity theft reports violates : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-02 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-02 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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