vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, 1666B, for inaccurately reporting multiple late payments on my credit report.

I was repeatedly told by loan officers at 1666B that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent.

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with 1666B, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-12-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Accord Business Funding, LLC
State: GA

Complaint narrative:
This complaint concerns XXXX XXXX and their third-party collection agency, XXXX XXXX XXXX XXXX The issues involve disregarded medical hardship, misleading statements regarding enforcement, and aggressive collection attempts during a period of financial decline. 



Background : XXXX XXXX provided a merchant cash advance based on a percentage of business revenue. The business experienced a significant decline in revenue. Multiple hardship notifications were submitted to XXXX XXXX due to a serious medical condition affecting the business owners spouse. These hardship requests were sent to several representatives at different times. None of these hardship communications were reviewed or acknowledged. 



Recent Collection Activity : Forward Financing assigned the file to XXXX XXXX XXXX. During communication with XXXX, the collector stated in writing that XXXX XXXX could freeze receivables without a court order through a UCC filing. This caused significant concern because the business was previously harmed by a fraudulent UCC filing from an unrelated party. The statement appears inconsistent with the limitations of UCC filings and created confusion about legal rights. 



The collector also insisted on a same-day payment to prevent escalation, despite open hardship communication and substantial revenue collapse. 



Impact and Concerns : The use of UCC terminology and threats during a documented medical crisis has caused severe stress and fear for the business owner and family. The refusal to review hardship requests and the misleading information about enforcement authority have undermined the businesss ability to respond appropriately. 



Requested Review : The business requests that the CFPB review the collection practices, evaluate the accuracy of statements made regarding legal enforcement, and review the handling of documented hardship notifications. The business seeks fair treatment, accurate information, and relief from aggressive or misleading collection conduct during a legitimate hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I observed my credit report and identified inaccurate accounts that require reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: CA

Complaint narrative:
The disputed entry contains inaccuracies relating to my payment habits. Please update my account accordingly.

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 2025-12-03 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: AR

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-12-03 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: DISCOVER BANK
State: OH

Complaint narrative:
There was a charge on my discover card on XX/XX/year> to XXXX XXXX  for XXXX $ an XXXX XXXX I called right away to report it and they reimbursed me the XXXX $ the first part of XXXX XXXX seen they took the reimbursement away so I called an they told me XXXX XXXX   send them a receipt of the transaction .. of course they sent you a reciept cause someone made the transaction.. I asked them to prove I made the transaction which they cant it was a fraud charge I reported immediately after it happened.. I tried to explain if I made the transaction why did I call immediately to report it I should not be held reliable for a fraud charge that I dont make an Thats what I tried explaining but all they would say is we have the reciept which I know you have the reciept from XXXX XXXX cause someone charged my card there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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 hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-12-03 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: AR

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NY

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit 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 non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-12-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
This credit inquiry was never approved or authorized by me I did not speak with the lender on the stated date, nor did I agree to any credit check. Given that this was done without my permission, I kindly request that you promptly remove the inquiry from my credit report at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XX/XX/year> XXXX day I received an insurance payout through a company that insures jewelry. Come XX/XX/XXXX that following Monday they deemed the ACH transfer as suspicious and are trying to close my account now because of that I have many supporting documents that I am entitled to those funds they keep sending me between customer service line and the branch they froze the account and I cant do anything even withdraw the funds. Im just not sure how ethically they can withhold those funds and not even let me resolve the problem. They just keep running me around. 

In the attached below, this interaction I had with the insurance was for a customer of my business. The funds were supposed to have the payee name of XXXX XXXX because it was a personal account but they went ahead and put my business name anyway. The insurance was aware after the fact, but said it shouldnt be a problem because the numbers were correct. All supporting documents below confirm payout was for XXXX XXXX a.k.a. Luxury time traders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Im disputing inaccurate/unverified credit reporting with Equifax/Experian/TransUnion and COMENITY BANKXXXX XXXX I have sent written disputes since the month of XXXX and provided documents ( attached ). The companies did not correct, verify properly, or mark the items as disputed, contrary to the FCRA/FACTA ( and FDCPA ). 
Please require deletion/correction of the specific items listed in my attachments across all bureaus, or provide proper verification ( method of verification and source ). Also confirm changes in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: Westlake Services, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX, I paid Westlake Financial {$3500.00} to fully redeem my repossessed vehicle ( XXXX XXXX XXXX, XXXX XXXX ). Westlake confirmed the payment satisfied the redemption and that I would receive the title, key, and release to retrieve my vehicle.

After accepting my redemption payment, Westlake sold my account to XXXX XXXX on XX/XX/XXXX. This sale was confirmed directly by XXXXXXXX XXXX XXXX XXXX XXXX. The sale occurred XXXX days AFTER my redemption was already accepted. 

Despite this, my vehicle is still being held by XXXX XXXXXXXX XXXX XXXX XXXX XXXX Massachusetts. XXXX XXXX refuses to release my vehicle because Westlake has not issued a release.

Under Massachusetts law, once redemption is accepted, the contract is reinstated as if no default occurred, and the vehicle becomes my legal property again. Westlake accepted my redemption but failed to release my vehicle and instead sold the account after redemption. 

This constitutes wrongful repossession activity, unlawful retention of personal property, failure to provide release after redemption, and unfair and deceptive practices. I am suffering ongoing financial harm, loss of transportation, and emotional distress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: GA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a formal complaint against Experian for violating several provisions of the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate, inconsistent, and unverifiable information. Experian is reporting accounts that were either removed from the other credit bureaus or never furnished to them at all. 

XXXX COLLECTION REMOVED FROM BOTH XXXX  & XXXX  The XXXX ( XXXX XXXX XXXX ) account was previously disputed and was permanently removed from both XXXX  and XXXX. 

Two separate bureaus determined they could not verify the debt.

Under FCRA 1681e ( b ) and 1681i : If two CRAs already deleted the account due to lack of validation Experian can not continue to report it Experian must delete it because the account is clearly unverifiable, inaccurate, or incomplete Experian instead claimed the account was updated but did not provide validation or documentation from the furnisher.

This creates inconsistent reporting across CRAs, which is prohibited.

CHILD SUPPORT ONLY EXPERIAN IS REPORTING IT The STATE OF MI/OFFICE OF CHILD SUPPORT account appears only on Experian.

It does not appear on XXXX or XXXX.

If this account were legitimately furnished, it would appear uniformly across all CRAs.

The fact it was NOT furnished to the other two bureaus proves the information is : Unverified Incomplete Inaccurate Misleading Not uniformly reported Not validated in compliance with FCRA 607 ( b ) & 611 ( a ) Experian is the only CRA reporting this derogatory account, which negatively impacts my creditworthiness. EXPERIAN FAILED TO CONDUCT A LAWFUL REINVESTIGATION Under FCRA 611 and 1681i, Experian must : Contact the furnisher Obtain actual documentary validation Provide the results of their investigation Delete unverifiable information Instead, Experian responded within 1 day claiming the accounts were updated, despite : XXXX  being deleted from the other two CRAs Child support only reporting to Experian No validation documents provided No matching data across CRAs Conflicting and incomplete account histories Ongoing inaccuracies This is not a reinvestigation.

It is a violation.

THE INFORMATION DAMAGES MY CREDIT & MISREPRESENTS MY RISK Reporting debts that the other CRAs have deleted or never had : Suggests financial instability that does not reflect my actual credit profile Creates an artificially negative score Harms my ability to access credit, auto loans, and housing Violates the FCRAs maximum possible accuracy standard Misleads lenders due to non-uniform 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 2025-12-03 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: NC

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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