vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Please review the materials provided ; the inquiries arrived unexpectedly and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
I have been paying the amount that they said I owe to this third-party company and when I told them that the debt was too high because the debt was supposed to be for {$1000.00} with some interest in penalty fees however they want to charge me an extra XXXX dollars for {$1000.00} debt and I did not get a written breakdown of how they came to the conclusion. I have been paying them the money. however, the amount is too high, and I decided to file a dispute before going any further

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

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 2025-12-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: KS

Complaint narrative:
hi so a couple days ago I contacted current bank and wanted to file a dispute for 3 transactions first amount of the transaction is {$200.00} second amount for the second transaction is {$130.00} and last amount for third dispute is {$53.00} as I didnt receive my goods or services from the merchant/person I sent money on through XXXX XXXX  first payment I sent to them which was the {$200.00} was through XXXX and the {$130.00} and {$53.00} payments were from XXXX XXXX  as I contacted the merchant as I asked for a refund he completely ignored when I ask for a refund and was constantly telling me to wait and be patient and that ill be receiving my goods and services which I have not yet received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Chime Financial Inc
State: VA

Complaint narrative:
I had an outstanding loan from chime that was past due XXXX dollars. On XX/XX/XXXX I was paid XXXX. Automatically chime takes XXXX from the payday advances, that is XXXX. Once its paid XXXX is usually available to me again. Because I was behind on the loan ( the loan isnt the same as XXXX ) the XXXX did not update. I was told by XXXX agents that if I paid off the loan that I would regain MyPay which is XXXX. So of course I paid off the loan, I reached back and I was told to give it a day or XXXX for the system to update and I would get access to the funds. So I reached out today XX/XX/XXXX and was told that I can not get those funds and that I was to get paid again to possibly get the benefit back. I feel like I was coerced into making that payment. I just reached back out and was told again that once the loan is paid that Ill have access to XXXX funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am submitting this CFPB complaint regarding inaccurate negative payment remarks being reported on XXXX open and active auto loan accounts. I am not disputing ownership of these accounts. I am disputing the accuracy of the late payment reporting. Both accounts remain open yet continue to display negative payment history that has never been properly verified despite prior disputes. 

XXXX XXXX XXXX Account This account is open and active yet is being reported with multiple 30 day late payment remarks. No billing statements payment due notices or complete payment history have been provided to show how these late payments were calculated or verified. Reporting delinquency on an open auto loan without documented proof is misleading and fails to meet accuracy standards especially after prior disputes and notice. 

XXXX XXXX XXXX XXXX XXXX Account This account is also open and active and is being reported with both 30 and 60 day late payment remarks. Despite disputes no documentation has been produced to verify the accuracy of these late payments. Automated verification was used instead of providing billing records or payment schedules. Continuing to report these negative remarks on an open account without proof is inaccurate and harmful. 

Both accounts are further impacted by the Equifax data breach which compromised my personal identifying information and required heightened scrutiny and accuracy. Continuing to publish unverified negative remarks after notice reflects a failure to conduct a reasonable investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: PA

Complaint narrative:
I previously submitted a complaint regarding inaccurate and unauthorized credit reporting ; however, the disputed items remain on my credit report with no resolution. The continued reporting of these accounts and inquiries, which do not belong to me, reflects a failure to adequately investigate as required under federal law. This unresolved reporting continues to cause material harm to my credit profile, and I am requesting immediate removal and blocking of the inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I previously submitted a complaint regarding inaccurate and unauthorized credit reporting ; however, the disputed items remain on my credit report with no resolution. The continued reporting of these accounts and inquiries, which do not belong to me, reflects a failure to adequately investigate as required under federal law. This unresolved reporting continues to cause material harm to my credit profile, and I am requesting immediate removal and blocking of the inaccurate information.

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 2025-12-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX, I made a purchase at the XXXX store located at XXXX XXXX XXXX in XXXX XXXX XXXX  At checkout, the employee offered me a promotion stating that if I opened an XXXXXXXX XXXX XXXX I would receive a discount of approximately {$100.00} on my purchase. I was not informed that this was a credit card ; I believed it was a points or rewards card. I was led to believe that the {$100.00} was a promotional discount applied to my purchase, not a charge to a new credit account. 

I also paid part of the purchase separately, which reinforced my understanding that the {$100.00} was a discount and not financed. At no point was it clearly disclosed to me that the purchase would be charged entirely to a credit card. 

Minutes after completing the purchase, I called customer service to cancel the credit card once I realized it was a credit account. During that call, I was told the account was closed and that I did not owe any balance. 

I never received billing statements, account disclosures, or payment notices. The company did not even have my email address on file until I contacted them recently to dispute this issue. XXXX day after providing my email for the dispute, I received my XXXX  billing email. 

I only became aware of this issue after noticing a significant drop in my XXXX XXXX, not because I was notified of a balance due. I attempted to obtain my receipt by returning to the store in person, but the store stated they could not retrieve receipts from that date. 

This dispute is based on lack of clear disclosure at the point of sale, misleading representation of the offer as a promotional discount rather than a credit card, improper billing, and failure to provide timely account information, which has resulted in financial and credit harm.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Submitted online my current address which has not changed via my current state issued drivers license front and back online through XXXX dedicated portal. Called several times and still the problem persists. Included a screenshot from the account page 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 explanation
Consumer complaint received 2025-12-26 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Re : Dispute of Inaccurate Information 15 U.S. Code 1681i To Whom It May Concern, I am writing to formally dispute an inaccurate item on my credit report under the provisions of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681i, which requires credit bureaus to investigate any disputed information that I believe to be incorrect or incomplete.

Upon reviewing my credit report, I have identified the following incorrect entry : Account Name : XXXX Account Number : XXXX Disputed Information : Charge-off Accounts are not supposed to carry a balance. 
I believe this information is inaccurate for the following reasons : The Fair Credit Reporting Act requires credit bureaus to ensure the accuracy of information on your credit report. This account has been sold to another agency and therefore XXXX can no longer report this to the credit bureau. 
I am requesting that you investigate this matter as required by law, and I ask that you remove or correct this information if it is found to be inaccurate or incomplete. Please send me written confirmation once the investigation is complete. 
In accordance with 15 U.S. Code 1681i, you are required to complete your investigation within 30 days of receiving this dispute. If the information is found to be inaccurate or can not be verified, I request that you remove or correct it immediately. Additionally, if any new information is added or changed on my credit report as a result of this dispute, I ask that you send me an updated copy of my credit report. 
Please do not hesitate to contact me at [ your phone number ] or [ your email address ] should you require any further information or documentation. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am writing to dispute inaccurate and misleading information currently being reported on my credit file. After reviewing my credit report, I found an account that is being reported incorrectly, and I am demanding that it be investigated and corrected or removed immediately. 

The way this account is currently reflected is completely wrong. Whether it's showing late payments that never happened, an open status when the account was closed, or any other inaccurate detail the bottom line is this : the information is not accurate, not current, and not a fair representation of my credit history. I have always paid this account as agreed, and your reporting suggests otherwise, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are required by law to ensure that all information on a consumer 's credit file is complete, accurate, and verifiable. Reporting wrong information especially if it damages someones creditworthiness is not just a mistake, its a violation of federal law.

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 2025-12-26 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:
Kindly check the materials provided ; the inquiries arrived suddenly and could be unauthorized.

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 2025-12-26 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: National Credit Systems,Inc.
State: TX

Complaint narrative:
This debt was sold by a creditor to a third-party debt collector. I informed the company that the debt was not mine and that I want it removed. The collection agency stated that the original debtor verified the debt, but did not provide me with any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

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 2025-12-26 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: NC

Complaint narrative:
Upon reviewing my credit report, I found multiple accounts, inquiries and incorrect information that I am not aware of. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) I demand immediate blocking and removal of accounts, inquiries, and personal information resulting from identity theft. I have provided government ID, proof of address, and an identity theft affidavit so, there shouldnt be any confusion or stall tactics on your end. Continued reporting of these fraudulent accounts violates FCRA 607 ( b ) ( accuracy requirement ), 611 ( dispute process ), and 623 ( furnisher responsibilities ). Failure to comply constitutes willful noncompliance under 616617, exposing the bureaus and furnishers to statutory damages, punitive damages, and enforcement action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
Kindly go through the materials shared ; the inquiries were submitted unexpectedly and might lack approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: MO

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-12-26 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: FL

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating certain accounts reflected on my credit report. After reviewing my report, I identified information that appears to be outdated or inaccurate. I respectfully request that my credit file be corrected to ensure it accurately reflects my current and verified financial information.

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 2025-12-26 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: TX

Complaint narrative:
Could you take a moment to review this entry? It could be late and flawed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Colony Brands, Inc.
State: CO

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with explanation