vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
I am disputing the reporting of alleged late payments on my XXXX XXXX XXXX mortgage account. My credit reports ( TransUnion, Experian, and XXXX  ) show inconsistent reporting of XXXX late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These negative marks appear despite the account being reported as Current and in good standing during the same time frames. This inconsistency indicates inaccurate or unverifiable information.

On multiple occasions, I requested that the company provide documentation supporting these alleged delinquencies, including billing statements, proof of mailing, and evidence of non-payment. To date, the company has not provided the requested information.

Under the Fair Credit Reporting Act, furnishers are prohibited from reporting inaccurate or unverifiable information. Because the company has failed to verify the late payments, I am requesting that these inaccurate entries be deleted from all of my credit reports.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I am writing regarding my XXXX XXXX credit card account and the cease-and-desist notation that has been placed on my file. 

I respectfully request that the cease-and-desist flag be removed from my account profile. I understand that such a notation may have been placed due to prior communication preferences or disputes, but I am now requesting full engagement and reinstatement of my account. 

Additionally, I would like to request that my XXXX XXXX credit card account be reopened, or that I be considered for a new account under the same terms, if reinstatement is not possible. I am prepared to resume use of the account in good standing and am willing to comply with any necessary verification or eligibility procedures. 

Please update your records accordingly and confirm removal of the cease-and-desist flag in writing. I also ask that any adverse credit reporting related to this issue be corrected with all major credit bureaus, if applicable. 

Thank you for your time and attention to this matter. I look forward to your prompt response and a favorable resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: PA

Complaint narrative:
Please help me investigate accounts where I am being wrongly reported for late payments. Upon reviewing my credit report, several accounts were marked late when they shouldn't be. There should be no late payment annotationsplease remove these inaccuracies and update the accounts as previously agreed in positive standing. In addition, the account currently showing delinquency is incorrect and should be disputed and marked with no late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: FL

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX Address : XXXX XXXX XXXX Apt XXXX XXXX, FL XXXX XXXX : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX RE : XXXX XXXX Compliance Dispute Inaccurate Late Payments, Unauthorized Inquiries & Fraudulent Collection To Whom It May Concern, I am filing a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding several inaccurate and fraudulent items appearing on my TransUnion credit report. These items are damaging, unverifiable, and must be corrected or deleted immediately. 
XXXX ) XXXX XXXX Account This account is being reported with late payments ( XXXX, XXXX, and XXXX days past due ) in XXXX, which is factually inaccurate and must be corrected immediately. 
XXXX XXXX Format Correction Request : - Base Segment : XXXX ( Account Information ) - Compliance Condition Code : XB ( Consumer disputes, meets FCRA ) - Required Correction : Remove all derogatory late payment notations. Report account as Paid as Agreed / XXXX or delete the tradeline in its entirety. 
XXXX ) Unauthorized Hard Inquiries The following inquiries were made without my authorization or any permissible purpose under FCRA 604 ( a ) ( 3 ) and must be deleted immediately : - XXXX CARD Inquiry Date : XX/XX/XXXX - XXXX  Inquiry Date : XX/XX/XXXX - XXXX  Inquiry Date : XX/XX/XXXX XXXX XXXX Format Correction Request : - Segment : XXXX ( Inquiry Segment ) - Condition Code : DA ( Delete Inquiry ) - Action Required : Permanent deletion of the above-listed unauthorized inquiries. 
XXXX ) Fraudulent Collection Account The following collection is inaccurate and does not belong to me : - XXXX XXXX XXXX XXXXXXXX Reported : XX/XX/XXXX Balance : {$410.00} This account is fraudulent. Under FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ), I demand full verification of this alleged debt. Since this account can not be verified as accurate and authorized, it must be deleted immediately. 
XXXX XXXX Format Correction Request : - Segment : XXXX ( Account Information ) - Condition Code : DA ( Delete Account ) - Action Required : Permanent deletion of the above-referenced collection account. 
Failure to comply with these correction requests will constitute willful non-compliance with the FCRA and XXXX XXXX reporting standards, and I will not hesitate to escalate with the CFPB and other regulatory authorities. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-08-18 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: KS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2900.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$830.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$390.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NC

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 2025-08-18 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
XXXX XXXX placed themselves on my credit 3 times to damage my credit to retaliation for the original creditor COMENITY CAPITAL BANK XXXX time this one agency open XXXX different location put a false term because they knew I never checked my credit they had me in and out of jail to use my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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:
These accounts are being reported inaccurately. XXXX  has already corrected the status of these XXXX XXXX accounts to Closed/Never Late, yet TransUnion and Equifax continue to report them incorrectly. 

Account 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXXXXXX XXXX is continuing to report late payment information on a closed account. 

The XXXX is XXXX, but the account is scheduled to stay until XXXX, which violates the XXXX reporting limit. 

The account continues to be re-aged I have disputed this with Experian, and they continue to report inaccurate info.

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 2025-08-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am on a trip in XXXX and while walking near XXXX XXXX on XX/XX/2025 saw a XXXX for a local music school. I said I would donate {$10.00} towards the school and they gave me a music disk. They used my card for the donation and they took {$990.00} from my card maxing the card out which is WAY more then {$10.00}. I am a veteran with a 100 % and cant afford to lose {$980.00} bucks. I have called the bank and they have locked the card but I have to wait for the transaction to post before I can file a further dispute with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3400.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1400.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PR

Complaint narrative:
They have been calling me tirelessly every hour of the day or every XXXX hours trying to collect a payment. So far today I've receive XXXX phone calls. I feel completely harassed. I can't do anything without them calling me. Saturday XX/XX/year> I asked to stop receiving calls but on Sunday and Monday the same thing happened. They won't leave me be.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY

Complaint narrative:
My daughter and I were both Bank of America customers. On XX/XX/XXXX, a false claim was filed against her. She was told to appeal and she did. On XX/XX/XXXX, her funds were returned to her without further action. 

The next day the funds were withdrawn from my personal checking account. I have tried to contact representative but continue to get passed around - I have spoken by phone XXXX time and she has made numerous calls as well. My daughter was listed on my account as POD 18 years ago, when the account was opened. I can not say enough times that our accounts were separate and apart. 

My phone conversations with Bank of America began on XX/XX/XXXX. I have continuous tried to correct this matter since that date. On the first business day after the charges were brought against my account, XX/XX/XXXX, I contacted Social Security- which is my only income. I was due for a payment on XX/XX/XXXX. I filed online my request to change my deposit, it went through. When I went back to check and make sure it went through, it gave a begin date of XX/XX/XXXX. I immediately called Social Security to advise of this issue. 

I was told on XX/XX/XXXX, that I had to make an appointment for a representative to stop the payment to Bank of America. The first available appointment was XXXX XXXX, XXXX. I was advised that if the account was closed, that the funds would be returned to XXXX, if a deposit was attempted. 

I called Bank of America on XX/XX/XXXX, and closed my account with them. I received XXXX emails from Bank of America on XXXX XXXX, acknowledging the closure. 

I went to my XXXX appointment on XXXX XXXX, and the representative advised that I had to return the following Monday, XX/XX/XXXX, to show proof that the funds had been deposited. 

I did this today and was told that it was my fault that I didn't notify the XXXX timely of the issue. I was told that even though XXXX does not meet with individuals in the XXXX office without an appointment, that I waited to late to try to resolve the matter. 

Bank of America has MY XX/XX/XXXX, Social Security and has issued it to the fraudulent account. Both parties refuse to acknowledge the errors. 

I have asked for and refused documentation from Bank of America in order to clear my name. According to XXXX XXXX - XXXX, Social Security benefits are exempt from execution, levy, attachment, garnishment or other legal process or from the operation of any bankruptcy or insolvency law. This should be especially true since my daughter is XXXX XXXX XXXX and I have no knowledge of why I am forbidden from defending my rights against this issue. 

I

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 monetary relief
Consumer complaint received 2025-08-18 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} UNAUTHORIZED COLLECTION - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8300.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation