vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-23 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: MI

Complaint narrative:
I am filing this complaint against several creditors and credit reporting agencies for reporting inaccurate, unverifiable, and unauthorized information on my credit profile, which is in direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. These errors are severely harming my creditworthiness and financial stability. 

XXXX. Wrong Address Reporting XXXX XXXX XXXX XXXX XXXXXXXX This is not nor has ever been my address. Reporting an incorrect address constitutes inaccurate information and creates confusion about my identity. 

XXXX. Inaccurate and Unverified Late Payments The following accounts are being reported with late payments, which are either inaccurate, unverifiable, or obsolete : XXXX XXXX XXXX XXXX XXXX ( High Balance : {$390.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$2700.00}, Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$1100.00}, Opened : XXXX XXXX XXXX XXXX XXXX XXXX ( High Balance : {$500.00}, Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( High Balance : {$13000.00}, Opened : XX/XX/XXXX ) These accounts contain derogatory marks that are damaging my credit score. I demand that each furnisher provide full documentation proving the accuracy and legality of these reported late payments. If they can not, the entries must be immediately deleted. 

XXXX. Unauthorized Credit Inquiries The following creditors have conducted inquiries without my knowledge or permissible purpose under the FCRA 604 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I did not authorize these inquiries, and they must be removed immediately as they unfairly lower my credit score. 

Legal Violations These reporting errors and unauthorized actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to : 602 ( A ) Failure to maintain accuracy and fairness in reporting.

604 Unauthorized access to consumer reports.

607 ( B ) Lack of reasonable procedures to assure maximum possible accuracy.

611 Failure to properly investigate disputes.

Requested Resolution I demand the following corrective actions : Immediate removal of the wrong address from my credit file. 

Full investigation and deletion of all inaccurate/unverifiable late payment notations. 

Removal of all unauthorized inquiries listed above. 

Written confirmation that these corrections have been made.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Google Compare Credit Cards Inc.
State: NV

Complaint narrative:
Yes, I have purchased an XXXX XXXX XXXX XXXX XXXX XXXX  and the ring doesn't work anymore! how can this be a customer issues? i was told that i can stand XXXX XXXX weather and now when i tried to get help it seems like nobody can't help me .. I just got back from XXXX XXXX XXXX XXXX XXXX and now im dealing with more issues? this isn't right

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 2025-09-23 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX  ) 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX  ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  I received a letter dated XX/XX/ from COMENITY CAPITAL BANK stating a denial for a CREDIT CARD due to my poor credit score or information, but I DID NOT AUTHORIZE this inquiry, nor do I have knowledge of this company/credit card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: Experian Information Solutions Inc.
State: AL

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 XXXX ( 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 ( XXXX U.S. Code XXXX ) 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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I dispute the XXXX XXXX account XXXX [ amount {$190.00} ]. XXXX has not provided original creditor documentation or assignment records proving ownership. Reporting without validation violates FCRA 623 ( a ) ( 3 ). Per 611 ( a ), this account must be deleted.I have contacted reps for a year now sent in my payoff letter from XXXX XXXX they still wont remove I even disputed with all three credit bureaus who also are in violation of the dispute process and allowing inaccuracies. 

I dispute the XXXX XXXX account : XXXX. This account is reporting inaccurately and is closed. 

I dispute XXXX XXXX XXXX account XXXX my account is showing XXXX days late and it was transferred representatives stated it would be removed over XXXX months ago they only updated it closed. Under FCRA 611 ( 15 U.S.C. 1681i ), I am exercising my right to dispute inaccurate reporting. If the furnisher can not provide proper verification, the account must be corrected or deleted. Additionally, FCRA 623 ( 15 U.S.C. 1681s-2 ) requires furnishers to report only accurate information. 

All of these disputes I have been dispute for XXXX months to a year now with no resolution from creditors or the major credit bureaus

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Comerica
State: NY

Complaint narrative:
In Wednesday XX/XX/XXXX. 2025 a was in veterinary clinic they charged me XXXX dollars but I paid cash so Im claiming my XXXX dollars and then they gave me a hard time and they never answer my calls they transferred my calls so they dont respond back or at least give a solution XXXX XXXX debit card from comerica bank

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-23 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 am filing this complaint because the XXXX major credit bureaus have failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ) in relation to my ongoing disputes of inaccurate and unverifiable information on my credit file. 

Since XX/XX/year>, I have submitted multiple disputes, including my most recent on XX/XX/year>. Despite this, the bureaus continue to report inaccurate personal information and unverifiable accounts without providing valid documentation or the legally required method of verification. 

Inaccurate Personal Information Reported Current Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Previous Address : XXXX XXXX XXXX, XXXX, CA XXXX Previous Address : XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Employer : XXXXXXXX XXXX  Employer : XXXX Disputed Accounts XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Failures by the Credit Bureaus The credit bureaus have failed to provide : The method and procedures used in verifying the disputed items. 

The names and contact information of the furnishers. 

Any documentation relied upon during the verification process. 

These failures constitute violations of : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide the method of verification.

15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy.

Harm to Consumer These ongoing inaccuracies have harmed my credit profile and demonstrate willful or negligent noncompliance with the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 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: TX

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-23 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: CA

Complaint narrative:
b'I am submitting this complaint under the Fair Credit Reporting Act (FCRA), specifically under section XXXX, as a victim of identity theft. Several fraudulent accounts are appearing on my TransUnion credit report without my knowledge or consent.\n\nThe following accounts are not mine and were opened or reported as a result of identity theft:XXXX XXXX: XXXX XXXX XXXX XXXX XXXX: XXXX XXXX XXXX XXXX XXXX XXXX: XXXX XXXX: XXXX XXXX: XXXX XXXX XXXX XXXX: XXXX XXXX XXXX XXXX XXXX: XXXXI have already submitted a police report affirming that these accounts are the result of identity theft, and I am invoking my rights under the FCRA XXXX  to have these accounts blocked and removed from my credit file.\n\nFurthermore, TransUnion has continued to report at least some of these accounts even after a prior dispute, which may constitute a reinsertion violation under the FCRA if done without proper notice.\n\nI am requesting that the CFPB intervene and ensure my identity theft documentation is honored, and that my rights under federal law are enforced.'

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 2025-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to an accurate credit report. I request that these accounts be reviewed, and if they can not be verified, they must be removed.

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 2025-09-23 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
All my Personal information is up there when I tried to delete my old addresses or Names that's the exact same numerous times No revolving Accounts that's New Just All this Negativity All of sudden. Oh yeah All the Bank 's that was used but I was told they won't be on my Account. Now they even Hard inquiries It's like they added A lot of extras All Negative Nothing Positive like Gave no credit for buying a New car Also closing out Summit successfully On time payments for a while No Points for Positive s

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 2025-09-23 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: FL

Complaint narrative:
I am writing to dispute fraudulent information I have found on my credit report, pursuant to 15 U.S.C. 1681c-2, and to request that such information be blocked or removed immediately. I am enclosing a copy of my FTC Identity Theft Report ( FTC REPORT NUMBER : XXXX ) as evidence of my claim. 
Pursuant to 15 U.S.C. 1681c-2, when a consumer files a report of identity theft, credit reporting agencies are required to block any information identified by the consumer as being the product of such theft within four ( 4 ) business days. 


The following information on my credit report is the result of identity theft and must be frozen : Unknown - XXXX Pursuant to 15 U.S.C. 1681c-2, I respectfully request that this account be immediately frozen from my credit report. This freeze must remain in effect for a period of one year, after which I may request an extension. During this time, no information may be reported. 
I have contacted EQUIFAX multiple times to report these accounts, but I have not received a clear or definitive solution to help me resolve this situation. This situation is severely impacting me, as I am trying to purchase a new home for my children and obtain financial tools to support my financial growth. Having these negative accounts on my credit report has blocked all my opportunities and is causing me personal and financial harm. These accounts have already been removed and were not verified by other credit bureaus, so I don't understand why this agency continues to claim these accounts belong to me. 
I have requested copies of the contracts related to these accounts from the reporting company, and after more than 60 days, I have not received a response. I respectfully request that you help me by removing these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-23 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to dispute fraudulent accounts that have been wrongfully included in my credit report. I want to make it absolutely clear that I did not open, authorize, or have any association with these accounts in any capacity. Their presence is entirely inaccurate, highly misleading, and damaging to my credit standing.

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 2025-09-23 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: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief