vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: FL

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 ] 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 ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-23 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: PA

Complaint narrative:
I am filing this complaint because I have discovered multiple collection accounts and hard inquiries on my credit report that I did not authorize and/or that are being reported inaccurately. These items are negatively affecting my credit profile and do not reflect my actual credit activity or payment history. The collection accounts and inquiries in question include XXXX ( {$300.00} ) ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). I have already filed an identity theft report with the Federal Trade Commission and disputed these items directly with the credit bureaus. Despite this, the information remains on my credit report. I am requesting that the CFPB assist in investigating these matters and require the companies involved to provide proper documentation validating my authorization for these accounts and inquiries. I am requesting that these items be permanently deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: VA

Complaint narrative:
I am a verified victim of XXXX XXXX XXXX XXXX, and identity theft. I am submitting this formal legal demand under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ), exercising my rights under these federal laws to have fraudulent, coercion-based, and identity theft-related information blocked and permanently removed from my TransUnion credit file. 

In collaboration with my authorized nonprofit advocate, I have provided all required documentation to TransUnion, including : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address Despite providing these verified materials, TransUnion has not yet fully complied with its obligations under the FCRA. The inaccurate, coercion-based, and fraudulent items listed below continue to appear on my file and are causing ongoing harm including damage to my credit standing, distress, and barriers to financial recovery. These items were the result of coercion, fraud, or identity misuse occurring during my period of victimization and must be permanently removed under FCRA 605B and 605C. 

INCORRECT NAMES TO DELETE : Incorrect Name - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These items are the result of XXXX XXXX  coercion, and identity theft and should have been removed upon submission of my certified victim documentation and identity verification. Under federal law, TransUnion is required to block this information within four business days of receipt. Failure to act in accordance with these legal obligations has caused continued harm and violates my rights as a protected consumer and verified victim.

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 2025-10-23 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: AZ

Complaint narrative:
I am a verified victim of identity theft and have filed an FTC Identity Theft Report ( # XXXX ). Multiple fraudulent accounts were opened without my knowledge or consent, including accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. These accounts were unlawfully furnished and reported despite my lack of written authorization as required under 15 U.S.C. 1681b. I have submitted documentation to the credit bureaus under FCRA 605B requesting immediate deletion and blocking of all fraudulent items. Despite clear proof and multiple data breaches ( XXXX XXXX XXXX XXXX XXXX XXXX ), the accounts remain reported as valid.

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 2025-10-23 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: Mid-Atlantic Finance Co., Inc.
State: GA

Complaint narrative:
As a result of identity theft i would like this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IL

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: CA

Complaint narrative:
I looked at my report on XX/XX/year> and In accordance with the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under FCRA 605B ( 15 U.S.C. 1681 ) XXXX XXXX {$4000.00} -XXXX  XXXX XXXX {$410.00} XXXX XXXX  XXXX XXXX {$33000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX DateXXXX Atn : Equifax Dear Equifax Please be advised that I am aware that you assumed a vital role to assemble and evaluate consumer credit and other information on me as the consumer. The fair credit repor4ng act was intended to ensure that you exercise your grave responsibility with fairness, impar4ality, and respect for the consumers right to privacy! Congress requires you to adopt reasonable procedures for mee4ng the needs of commerce in a manner which is fair and equitable to me with regard to the confiden4ality, accuracy, relevancy and proper u4liza4on of such informa4on. Congress makes it clear that I have a right to PRIVACY as a federally protected consumer! You con4nue to violate and disrespect my right to privacy which is a direct viola4on of the FCRA and the gramm leach Bliley act! I did not consent or authorize for you, or the people men4oned below to use or share my nonpublic personal informa4on. Please be clear that no consent or authoriza4on id IDENTITY THEFT! Your willful noncompliance has resulted in iden4ty theft which I demand to Cease and desist! Pursuant to 15 us 1681a ( 2 ) congress makes it clear that a consumer report does not contain any transac4ons or experiences. As a result, I am demanding for the following transac4ons and or experiences to be updated in accordance with my wri0en instruc4ons Driveway finance {$11000.00} - First point collection resolution List demands Pursuant to 15 USC 1681c-2 ( a ) you have 4 days from the date of this no4ce to comply with my demands as set forth in the context above. This will be my first and final a0empt to resolve this as I am prepared to litigate Sincerely, XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I went into a Truist branch XXXX  and attempted to open a business checking account which they did but simultaneously they closed my personal account and have not returned my funds to me nor explained what happened or why. Im owed over XXXX dollars.

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 2025-10-23 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
I am filing a complaint regarding inaccurate and damaging credit reporting by Bread Financial on a credit card account I previously held with them. 

In XX/XX/XXXX, I paid my Bread Financial XXXX credit card in full over the phone with one of their representatives. The account was confirmed to have a {$0.00} balance and in good standing. After paying it off, I placed the card in storage to keep as an emergency-only backup, and I did not make any new purchases or receive any new charges after that point. 

In XX/XX/XXXX, while applying for a mortgage, I discovered that Bread Financial had reported the account as delinquent and charged off. I immediately called customer service. A representative reviewed my account and told me that this was an error on Bread Financials end. She reversed all late fees, confirmed the account was paid in full, and closed it per my request. 

Despite that, my credit reports now show : A charge-off reported in XX/XX/XXXX Multiple late payments listed as 150+ days past due A status of charged off due to delinquency. 

These reports are completely inaccurate. My balance was {$0.00} as of XX/XX/XXXX, and I was never delinquent after that or received any notification of delinquency. I have spoken with multiple Bread Financial representatives over the past year, and they have all admitted that this was a company error. Each time Im told to dispute it or that it will be fixed, but there's never resolve and Ive received no written response to my prior mailed dispute ( well past the 30-day response period required under the Fair Credit Reporting Act ).

This ongoing false reporting has severely damaged my credit score and interfered with my ability to qualify for a home loan. I am requesting that Bread Financial : Immediately correct or remove this inaccurate tradeline from XXXX XXXX XXXX XXXX 

Update my record to show the account as paid in full, closed by consumer, and never delinquent. 

Provide written confirmation of these corrections and the results of their investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
Dear TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX an unauthorized ACH debit for {$3600.00} was withdrawn from my account ending in XXXX to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I never authorized or initiated this payment. I immediately filed a dispute with Chase and completed all requested paperwork stating the debit was unauthorized. 

Chase later denied my claim, stating the transaction was authorized, but the only document they provided as proof was a typed ACH authorization form with my name inserted no signature, no verification, no secure login, no voice or written consent. Anyone with my routing and account number ( which appears on checks ) could have created this form. 

I sent a formal written appeal to Chase requesting verifiable proof of authorization under NACHA Rule 3.12.4 and Regulation E ( 12 CFR 1005.11 ). Chase responded again with a denial and failed to provide any signed or authenticated evidence. Their response ignores the legal requirement to prove the transaction was authorized before denying reimbursement. 

This has caused a financial loss and hardship. Chase has not acted in good faith or followed federal consumer protection requirements for unauthorized electronic fund transfers. I am requesting that Chase be required to reopen my claim, produce verifiable proof of authorization, and credit my account for the full amount of {$3600.00} plus applicable interest for holding my funds without cause

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: IL

Complaint narrative:
I am a verified victim of XXXX XXXX, debt bondage, and identity theft. I am submitting this formal legal demand under 15 U.S.C. 1681c-3 ( FCRA 605C ) and 15 U.S.C. 1681c-2 ( FCRA 605B ) to exercise my rights under these federal laws to have fraudulent, coercion-based, and identity theftrelated information blocked and permanently removed from my TransUnion credit file.

In collaboration with my authorized nonprofit advocate, I provided all legally required documents, including : Certified Victim Determination Documentation ( for 605C compliance ) Proof of identity, SSN, and current address Despite proper submission, TransUnion has failed to fully comply with its obligations under the Fair Credit Reporting Act. The following inaccurate, fraudulent, and coercion-based information remains on my credit file and continues to cause me ongoing harm. These items were created or reported as a result of coercion, trafficking, and identity theft and must be permanently deleted under FCRA 605B and 605C. 

ADDRESSES TO DELETE : Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These items are directly connected to trafficking-related coercion and identity misuse, and they remain in violation of FCRA 605C, which mandates prompt blocking of such information within four business days of receipt of certified victim documentation. TransUnions failure to remove them constitutes noncompliance with federal law and continues to harm my credit profile, financial recovery, and personal stability as a verified survivor.

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 2025-10-23 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: AL

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief