vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This is NOT an identity theft claim. I am not filing under FCRA 605B. The issue is that Experian has mixed my file with at least two other individuals : XXXX XXXX and XXXX XXXX. My legal name, as shown on my Social Security card and Alabama driver license, is XXXX XXXX. Experian is reporting information under names that do not match my SSN, my driver license, or my legal identity. This is a mixed-file error and a violation of FCRA 1681e ( b ). 

Because XXXX XXXX and XXXX XXXX do NOT match my legal identity, all information tied to those names is inaccurate and UNVERIFIABLE under FCRA 1681i. I am demanding that Experian immediately : ( 1 ) correct my personal identifying information to show ONLY XXXX XXXX, and ( 2 ) delete ALL accounts, records, addresses, or data associated with the names XXXX XXXX and XXXX XXXX. 

This is a standard FCRA dispute, not an identity theft dispute. Experian must reinvestigate under FCRA 611 and delete any unverifiable 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 2025-12-01 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: MI

Complaint narrative:
After reviewing my credit report I noticed that my credit report has obvious errors due to a fraudulent account and inaccurate payment history on another account. The accounts that I am disputing are : XXXX. XXXX - {$9300.00} - This account was opened in XX/XX/XXXX without my knowledge. I supplied a notarized identity theft affidavit and I also supplied a copy of my ID showing that I was living in a totally different state at the time the fraud was committed. I have disputed this account twice and requested a method of verification both times only to be stalled both times and not given proof of the method of verification that this account belongs to me. 

XXXX. XXXX  XXXX - {$1500.00} - This credit card account has is reporting inconsistent payment histories across the XXXX reporting agencies. This account reports a XXXX  day late in XX/XX/XXXX and a XXXX day late in XX/XX/XXXX on Experian and XXXX  profiles. On my XXXX  report this account is reporting a XXXX  day late in XX/XX/XXXX and a XXXX  day late in XX/XX/XXXX. These entries can not all be accurate at the same time. this is a clear violation of the FCRA and these entries need to be updated to ( OK - current ).

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 2025-12-01 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: MA

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 explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
I got a collection notice on my credit report for XXXX dollars from sunrise credit service that XXXX XXXX XXXX XXXX send for a account that was open XXXX  years ago.

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 2025-12-01 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:
My identity has been affected by the breach, and my personal information has been compromisedans used. Please block and remove these accounts per FCRA guidelines 15 USC 1681c2 please refer to upload letter with acct info and forward me a copy of my report once complete. see uploaded dispute.

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 2025-12-01 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: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-12-01 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 complaint to report XXXX continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. 
The accounts in questionXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Currently, I have no other recourse but to file an Identity Theft claim. One of my daughters has stolen my personal information and used it to obtain at least XXXX credit cards from at least XXXX financial institutions. One of these accounts was recently sold off to a third-party debt buyer. I am a XXXX retired person that can not take the shame I feel in dealing with such an awful situation. Accordingly, I am filing this identity claim with the Federal Trade Commission, and under my rights from the Fair and Accurate Credit Transaction Act as well as the Fair Debt Collection Practices Act, I hereby make this demand for removal of these collections on my personal credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: TX

Complaint narrative:
To Whom It May Concern, I am submitting this personal statement to report issues with inaccurate and unverified information appearing on my credit file. The following accounts are being reported incorrectly : XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX I have disputed these accounts with the credit reporting agency, but they continue to appear without proper verification or documentation. 
Reasons for My Dispute The information reported for these accounts is inaccurate, inconsistent, and does not match my records. Some details appear to be incorrect, incomplete, or unauthorized. 
Despite my disputes, I have not received proper validation as required by the Fair Credit Reporting Act ( FCRA 1681i ), which requires credit bureaus to investigate disputed information. 
Additionally, credit bureaus are required to maintain maximum possible accuracy under FCRA 1681e ( b ). These accounts do not meet that standard. 
If any of these accounts involve unauthorized use of my information, I am also protected under FCRA 1681c-2, which allows consumers to request blocking of information resulting from identity theft. 
Impact on My Financial Situation Because these accounts continue to be reported inaccurately, I have experienced : Denials for credit Higher interest rates A reduction in my credit score Limited access to financial opportunities Stress and financial instability These ongoing inaccuracies are affecting my ability to move forward financially. 
What I Am Requesting I respectfully request that the CFPB assist by ensuring the following : A full reinvestigation of these accounts under FCRA 1681i.

Removal of any information that can not be properly verified. 
Correction of all inaccurate or incomplete information. 
Review of any potential unauthorized or fraudulent activity under FCRA 1681c-2. 
Thank you for your time and attention. I appreciate the CFPBs help in resolving this matter so that my credit file reflects accurate and verified 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 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Im unable to access my account via mobile app or any other means, they have essentially blocked me from my own account which was not in question and they have caused major financial problems for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: OH

Complaint narrative:
FINAL NOTICE DEMAND FOR IMMEDIATE DELETION OF UNAUTHORIZED CREDIT INQUIRIES FCRA FDCPA XXXX XXXX XXXX. Civil Liability Liability for Willful Non-Compliance Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : Identity Theft Unauthorized/Harmful XXXX  Credit Inquiries Mandatory XXXX Removal Consumer : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX Email : XXXX FTC Identity Theft Report XXXX XXXX XXXXXXXX LEGAL DEMAND This letter serves as a formal and final demand that TransUnion IMMEDIATELY delete all unauthorized credit inquiries appearing on my consumer report. 

I submitted an official FTC Identity Theft Report filed under penalty of perjury, which requires mandatory removal within XXXX business days pursuant to : FCRA 605B / 15 U.S.C. 1681c-2 FCRA 611 Duty to Reinvestigate FCRA 602 Protection of Consumer Privacy FCRA 616617 Liability for Willful/Negligent Non-Compliance XXXX Identity Theft / XXXX XXXX XXXX FDCPA 15 U.S.C. 1692 Furnishing Without Authorization Failure to delete these unauthorized inquiries after receipt of the FTC report constitutes willful misconduct and exposes TransUnion to statutory and punitive damages. 



UNAUTHORIZED / FRAUDULENT INQUIRIES TO DELETE IMMEDIATELY ( from FTC Identity Theft Report ) Furnisher Inquiry Date 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  These inquiries were never authorized by me. 
They are the direct result of identity theft documented in my FTC report. 



ADDITIONAL LEGAL NOTICE My FTC Identity Theft Report lists the Doctrine of Estoppel by Silence ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX ), meaning if TransUnion fails to rebut proof, my claim stands as fact. 

Failure to comply within XXXX business days will trigger escalation to : CFPB Enforcement FTC XXXX  Attorney General BBB XXXX XXXX for maximum damages under FCRA & FDCPA REQUIRED ACTION FROM TRANSUNION TransUnion must : XXXX. Delete ALL unauthorized inquiries listed above XXXX. Send written confirmation of deletion XXXX. Provide a free updated copy of my consumer report Send confirmation by mail and email to the contact information listed above. 



SIGNATURE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX without prejudice

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 2025-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Subject : Inaccurate Credit Reporting / Failure to Properly Investigate Dispute Explanation ( paste this into the CFPB form ) : I am filing a complaint because XXXX is reporting inaccurate information on my credit report and has failed to correct it after multiple disputes.

I disputed a Barclays Bank Delaware account because it contains clear factual errors that violate the Fair Credit Reporting Act ( FCRA ). Examples include : Reporting 24 months of late-payment history for XXXX even though the account was closed in XXXX and last payment was XX/XX/XXXX. 
Reporting a charge-off amount of {$3200.00}, but also showing a past-due and current balance of {$4000.00}, which is impossible after charge-off. 
Reporting contradictory dates, including Status Updated : XX/XX/XXXX while also showing balance updates in XXXX, which is not accurate or possible. 

The credit bureau responded verified, but did not correct any of the errors. I suspect they used an automated e-OSCAR system rather than a real investigation, which does not meet FCRA requirements. 

I am requesting CFPB assistance to require the credit bureau and Barclays to conduct a real reinvestigation, provide proof of verification, and delete the tradeline if the information can not be verified with accurate documentation. 

These inaccuracies are harming my credit score and preventing me from qualifying for housing and credit.

I am asking the CFPB to ensure compliance with FCRA 602A, 607 ( b ), and 611.

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 2025-12-01 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: FL

Complaint narrative:
XXXX XXXX XXXX  mishandled XXXX credit card accountsXXXX XXXX XXXX  ( XXXX ) and XXXX XXXX XXXX ( XXXX ) in a way that caused significant and preventable harm to my personal and business credit profile, in violation of the FCRA, CARD Act, Regulation Z, and CFPB consumer protection standards. 

XXXX. XXXX XXXX XXXX ( XXXX ) This business credit card, tied to XXXX XXXX XXXX, had over {$300000.00} in total spending, including {$72000.00} in the first six months of XXXX alone, and was always paid responsibly. XXXX repeatedly failed to stop unauthorized recurring charges from third-party merchants. Despite multiple attempts to resolve these charges, XXXX refused to block them or intervene, forcing me to cancel the card in XX/XX/XXXX. The closure significantly harmed my credit score by reducing my credit age and available business credit. This harm resulted from Chases failure to resolve disputed and unauthorized charges. 

XXXX. XXXX XXXX XXXX ( XXXX ) This personal account was dormant because my XXXX membership became linked to another card. XXXX did not provide proper notice of an annual fee. In XX/XX/XXXX, XXXX contacted me by phone about a delinquent amount I was not made aware of. I attempted to cancel the card but was told that cancellation was not possible unless the disputed fee was paid first. While I was attempting to resolve the issue, XXXX reported me as delinquent, even though the matter was actively under dispute. This violates FCRA 623 ( a ) ( 3 ), which prohibits reporting a delinquency when a consumer is disputing a charge. I ultimately paid the disputed fee under duress to prevent further harm. Then when I realized how detrimental it was on my credit score I attempted to open the card back up within the 30 day window but was denied that opportunity by XXXX XXXX. 

3. Additional Harm Both accounts were closed under circumstances entirely attributable to XXXX  billing system failures, refusal to assist with unauthorized charges, coercive practices, and premature negative reporting. The negative information placed on my credit reports does not reflect my payment behavior or risk profile as a consumer or business owner.

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 2025-12-01 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: NC

Complaint narrative:
Hello, I am following up regarding my previous dispute, as the inaccurate information remains on my credit report. I am requesting once again that the necessary corrections be made in compliance with the FCRA. The credit bureau is legally required to conduct a reasonable reinvestigation and ensure maximum possible accuracy. Please provide confirmation of the correction and an updated credit report once the issue has been resolved. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$6900.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$830.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1700.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} late XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: SUNRISE CREDIT SERVICES, INC
State: PA

Complaint narrative:
date open was XX/XX/year> amount the balance they have is {$2400.00}

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 2025-12-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX collection accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX are being reported with incomplete, inconsistent, and unverifiable information. 
Disputed Accounts : The following XXXX accounts are being disputed : 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 Collection Account Violations include : Missing data fields Contradictory bureau reporting Duplicate account No DOFD Missing account numbers Unverifiable furnisher 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 2025-12-01 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: NY

Complaint narrative:
XXXX collection accounts from XXXX XXXX, XXXX XXXX, and XXXX XXXX are being reported with incomplete, inconsistent, and unverifiable information. 
Disputed Accounts : The following XXXX accounts are being disputed : 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 Collection Account Violations include : Missing data fields Contradictory bureau reporting Duplicate account No DOFD Missing account numbers Unverifiable furnisher information

Company response to consumer: Closed with explanation