vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-28 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 XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX 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 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 2025-10-28 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: MN

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This information is hurting my ability to obtain credit. It is my understanding that you will investigate this account for me to ensure accuracy.

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 2025-10-28 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: VA

Complaint narrative:
On XX/XX/year>, I sent a certified letter to TransUnion regarding multiple inaccurate items on my credit report. The letter was delivered on XX/XX/year>, at XXXX XXXX  in XXXX, PA, per XXXX Tracking # XXXX. This correspondence requested prompt investigation and correction or deletion of the following accounts : XXXX CARD - {$6100.00} ( account # XXXX ) XXXX - {$4200.00} ( account # XXXX ) XXXX XXXX  - {$11000.00} ( account # XXXX ) XXXX - {$0.00} ( account # XXXX ) After receiving no response or update regarding the investigation within the time required by law, I sent a second letter on XX/XX/year>, reiterating my dispute and again requesting prompt resolution. To date, I have received no response from TransUnion.

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 2025-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Selene Holdings LLC
State: IL

Complaint narrative:
In XX/XX/year>, I attempted to make my regular mortgage payments to Selene XXXX, but they refused to accept them, calling them partial payments. I continued trying through XX/XX/year> with no success. Earlier in XXXX, I learned that my mortgage payments were being sent to the wrong account number in error. I notified Selene several times that I was making payments and provided proof, but the funds were never credited correctly. Instead of correcting the error and updating the records, Selene closed my active account and continued treating the loan as unpaid. They have never formally corrected the records or acknowledged the mistake. Any fees, costs, or charges added as a result of Selenes own failure to properly apply my payments or correct their records should not be held against me, as they stem entirely from the companys negligence in servicing the loan. The foreclosure case ( XXXX XXXX XXXX ) was dismissed, yet Selene still lists the loan as pre-foreclosure. They also added fees to my account without explanation while refusing to provide a reinstatement or payoff statement. On XX/XX/year>, I mailed a RESPA Notice of Error and Request for Information by certified mail but have received no response. Delays in resolving this were made worse by lack of communication from my former attorney, but Selene remains responsible for properly servicing the loan and correcting these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/year> several ( about 35 ) unauthorized transactions occurred in the space of approximately two hours. The total : {$1500.00}. I called the XXXX  department who eventually denied request twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: TX

Complaint narrative:
The client went with her daughter originally to help with cosigning on a vehicle. After conversations and further consideration, the car salesman and finance manager stated that the client did not need to be on the loan and that her daughter was able to finance on her own. They stated that the application with the client 's information would be shredded but somehow she still ended up on the loan with her daughter and the car is now repossessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: TX

Complaint narrative:
THIS LATE PAYMENT DOES NOT MATCH MY ACCOUNT HISTORY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I discovered inaccurate and unverifiable information being reported on my credit report that does not belong to me. I have contacted the credit reporting agency and the furnisher of the information, but the item remains uncorrected despite my dispute. This inaccurate reporting has negatively affected my credit score and financial opportunities.

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 2025-10-28 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This complaint concerns inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 5 ). 
XXXX XXXX XXXX continues to furnish information indicating that a charged-off account remains past due and delinquent as of XX/XX/XXXX, even though Discovers own records confirm the account was charged off and closed in XXXX. 
Reporting a past due status years after charge-off misrepresents the true nature and age of the debt, re-ages the account in violation of federal law, and causes ongoing credit harm. 

XXXX XXXX XXXX continues to report this account as past due in XX/XX/XXXX, even though the account was charged off and closed in XXXX. This inaccurate furnishing re-ages the account, creates the appearance of a new delinquency, and causes ongoing damage to my credit score. 



Details : According to Discovers own letter dated XX/XX/XXXX, my account entered delinquency on XX/XX/XXXX, and was charged off on XX/XX/XXXX. Despite that, my Experian report shows : Account charged off {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

The tradeline also shows continuous CO ( charge-off ) marks through XXXX and XXXX, and Experians score tracker reflects a 3 % decrease in my on-time payment rate between XX/XX/XXXX and XX/XX/XXXX, due to this new delinquency reporting. 

Reporting a past due status years after the charge-off is false and misleading under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). This conduct re-ages the debt, misrepresents its status, and harms my creditworthiness.

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 2025-10-28 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: NC

Complaint narrative:
This complaint concerns inaccurate and misleading credit reporting in violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( a ) ( 5 ). 
XXXX XXXX XXXX continues to furnish information indicating that a charged-off account remains past due and delinquent as of XX/XX/XXXX, even though Discovers own records confirm the account was charged off and closed in XXXX. 
Reporting a past due status years after charge-off misrepresents the true nature and age of the debt, re-ages the account in violation of federal law, and causes ongoing credit harm. 

XXXX XXXX XXXX continues to report this account as past due in XX/XX/XXXX, even though the account was charged off and closed in XXXX. This inaccurate furnishing re-ages the account, creates the appearance of a new delinquency, and causes ongoing damage to my credit score. 



Details : According to Discovers own letter dated XX/XX/XXXX, my account entered delinquency on XX/XX/XXXX, and was charged off on XX/XX/XXXX. Despite that, my XXXX  report shows : Account charged off {$10000.00} written off. {$10000.00} past due as of XX/XX/XXXX. 

The tradeline also shows continuous CO ( charge-off ) marks through XXXX and XXXX, and XXXX score tracker reflects a 3 % decrease in my on-time payment rate between XX/XX/XXXX and XX/XX/XXXX, due to this new delinquency reporting. 

Reporting a past due status years after the charge-off is false and misleading under the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ). This conduct re-ages the debt, misrepresents its status, and harms my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S. Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$350.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX  - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-10-28 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: MI

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I've lost track as to how many times our credit cards with Comenity Capital Bank have been hacked into ever since they took over the servicing of this account -- -about XXXX yrs. ago. We never had this issue when XXXX XXXX XXXXXXXX serviced it. This tells me that the security on these accounts isn't up to par. Neither my husband nor myself have changed anything about how we use this account. The latest issue pertains to a charge of {$29.00} on XXXX from a company in IL -- -I live in VA XXXX I called the merchant on XXXX at XXXXXXXX XXXX XXXXXXXX ( due to not receiving a text from Comenity about the charge, I didn't see it until I printed the bill ) ; spoke with their billing department - they show no payment from any source for this amount ( {$29.00} ) and needless to say don't show us as patients. I spoke with " XXXX '' in XXXX today with Comenity fraud at XXXXXXXX XXXX XXXX  about this however she can't advise why I didn't receive a text message asking if this charge was correct, yet I get a text message about a charge of {$4.00} on XXXX ... ( this was a legitimate charge ) ... where's the consistency? 

Everything we do goes on this card due to the reward points. Every time this happens we have to wait 7 to 10 BUSINESS days to get new cards. To top all this off this account shows my husband as an authorized user which is wrong... Comenity refuses to fix it. Every time either card is hacked, I have to request a card for my husband as they WILL NOT automatically send us both new cards.

I'd like to find out however many other customers are having this same issue, why Comenity refuses to fix this account to show it as a joint account, I'd like for them to be made to change their policy about how cards are sent out when they are hacked into and I'd want an investigation done to check their website security or what ever program it is that continuously allows customers ' accounts to be hacked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting a collection account for {$1100.00} that originated from XXXX XXXXXXXX XXXX This account is inaccurate and unverifiable. I have not received any documentation or contract with my signature to prove that I am responsible for this debt. I requested validation under 15 U.S.C. 1692g of the FDCPA, and they failed to provide it. Despite this, XXXX XXXX continues to report this account to Experian, violating my rights under 15 U.S.C. 1681i of the FCRA for inaccurate and incomplete reporting. This has negatively affected my credit and caused undue stress.

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 2025-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: D&A Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/year> Collections Request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX Subject : Formal Dispute of Alleged Debt Account # XXXXXXXX with D & A Services To Whom It May Concern, I am submitting this formal dispute regarding an alleged credit card debt reported by D & A Services, associated with account number XXXX, in the amount of approximately {$23000.00}. 

I do not recognize these charges or total debt, nor have I received sufficient documentation to verify its validity. Specifically : I can not determine how much of the amount is principal versus interest, fees, or other charges. 
I am unable to identify or confirm the legitimacy of the individual charges that make up the total balance. 

Due to the lack of transparency and supporting documentation, I am disputing the entirety of the alleged debt. I believe it is unfair for this unverified account to negatively impact my personal credit report. 

I respectfully request that D & A Services provide full validation of the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ). If they can not substantiate the debt with appropriate documentation, I ask that this account be removed from my credit report. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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 check this one ; its late and possibly inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-28 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: AZ

Complaint narrative:
i have reviewed my credit report and found unverified items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-28 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: MS

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 : BANKRUPTCY - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : XXXX XXXX - XX/XX/scrub> 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