vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: Capio Partners, LLC
State: NC

Complaint narrative:
I am submitting this complaint to report a clear violation of the Fair Credit Reporting Act by XXXX. On XXXX I submitted a valid FTC Identity Theft Affidavit and a formal fraud block request identifying multiple fraudulent accounts that resulted from identity theft. I provided sufficient identifying information and documentation to trigger a mandatory fraud block under 15 USC 1681c-2. Under federal law XXXX  was required to block the identified fraudulent accounts within four business days of receipt. As of the date of this complaint XXXX  has failed to block the accounts and continues to report them on my consumer file. This failure constitutes a direct violation of FCRA Section 605B and has caused ongoing harm by allowing identity theft related information to remain published.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: MA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( s ) that needs to be immediately DELETED. It is as follows : XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: DC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TN

Complaint narrative:
I am disputing the following accounts on my Experian credit report, as they contain incorrect information. Please investigate these items for accuracy and make necessary corrections. 

Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$3200.00} Inquiries : XXXX OF XXXX Date : XX/XX/XXXX XXXX CARDS XXXX  Date : XX/XX/XXXX XXXX CARDS XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX BANK XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
HARRIS & HARRIS LTD is falsely reporting on my credit. I have never had any accounts with them. Per my research HARRIS & HARRIS LTD is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-12-23 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: NC

Complaint narrative:
I have found the following inaccuracies on my Experian credit report that need to be corrected : CHARGED OFF XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$5000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$7500.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Account Date : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$490.00} XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$9000.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance : {$710.00} XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$350.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Date : XX/XX/XXXX Balance : {$0.00}

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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 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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: Sterling Infosystems Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding inaccurate and incomplete consumer reporting related to my pre-employment background screening conducted by XXXX XXXX, also known as Sterling. 

I completed an authorized urine drug screen on XX/XX/year> at XXXX as part of a pre-employment screening. At the time my prospective employer took adverse action, this test was still processing and not finalized. 

I contacted Sterling/XXXX XXXX  directly and was informed that the XX/XX/year> XXXX drug screen was still in progress and that I should contact the employer regarding the final decision. Despite this, the employer relied on reporting that did not reflect the pending test and denied employment. 

Sterling/XXXX XXXX  failed to ensure that the consumer report furnished was complete and accurate, and failed to ensure that pending or incomplete results were clearly reflected prior to transmission or reliance.

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 2025-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Madison Auto, LLC
State: CA

Complaint narrative:
I voluntarily surrendered my vehicle on XX/XX/XXXX and provided the lender with the exact tow yard location. I notified the lender multiple times that I can not retrieve the vehicle and requested that they pick it up. 

The vehicle has been available for over 30 days, but the lender has failed to retrieve it. Despite my surrender, the lender continues to report late payments on my credit report. 

I have now been notified by the tow yard that the vehicle is scheduled for sale at auction scheduled for XX/XX/XXXX due to the lenders failure to retrieve it. I have attached the Notice of Pending Lien Sale. I emailed the bank again this morning with a copy of the pending lien sale. 

I am requesting that the lender immediately retrieve the vehicle, correct my account status to reflect voluntary surrender as of [ date ], and correct any inaccurate late payment credit reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
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. 
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 non-monetary relief
Consumer complaint received 2025-12-23 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: OH

Complaint narrative:
b'I am submitting this complaint to dispute the continued reporting of inaccurate, obsolete, and unverifiable personal identifying information on my consumer credit file. I have previously challenged this information through the dispute process, yet it remains on my report without correction or deletion.\n\nThe following personal information currently being reported does not accurately reflect my present identity and is no longer associated with me:\n\nFormer names or name variations, including aliases that are not my current legal nameXXXX XXXX XXXX XXXXOutdated residential address information, which I have not occupied for several yearsXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEmployment records that are no longer current or verifiable, including:XXXX XXXX XXXX XXXXThis information is not required to establish my current identity and creates an unreasonable risk of file mixing or inaccurate attribution of credit data. The continued reporting of obsolete identifiers undermines the accuracy and integrity of my credit file.'

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: AL

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off and inquiries sections. These accounts appear to have incorrect balances or outdated information. Please review and correct these entries. 

Charged Off Accounts : DPT EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-12-23 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: IN

Complaint narrative:
I am disputing the accuracy of the following accounts under the charged-off section. The balances or account statuses do not seem to reflect the correct information. I request that these entries be reviewed and corrected. 

Charged Off Accounts : XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$1700.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$490.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX DEPTEDXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
b"I have tried several times to get a live agent to assist with a potential Fraud issue by calling the Experian number XXXX XXXX. I was calling because I am not able to login to my online Experian account. I know I have the correct username and password. But when I type this correct information it says we cant verify your identity and then tells me to call Experian. When I do call I get caught in the automated system and never get transferred to a live agent( upon repeated requests to be transferred). If I ask to speak to a live agent enough times the system will say we are not able to assist you and hang up. I reached out to Experian via email and even the directions they gave were complicated ( and by the way did not work). This is what the representative said via email:\n\n\n \nThank you for contacting Experian. I appreciate having the opportunity to assist you and strive to provide you with the best customer experience possible.\n \nTo reach a representative, dial the number at XXXX. Let it ask for SSN and don't say anything. After 3 times it will ask if you want to provide info, say no. Then say dispute, it will ask if you are calling about a dispute, say yes. It will then immediately place you in a queue to talk to someone.\n\nPlease note that we're currently receiving volume of calls at this time. A bit of hold time may be expected. We do apologize for the inconvenience.\n \n \nThank you for choosing Experian.\n \nSincerely, XXXX XXXX XXXXA person should not have to go through such a complicated process to speak with a live person agent especially with matters as urgent as fraud."

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 2025-12-23 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: IL

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 ] Creditor Name : [ XXXX ] Account Number : [ 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 2025-12-23 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am disputing an inaccurate credit card balance that resulted from Comenity Banks failure to properly credit documented payments.

Multiple payments were made to Comenity Bank, reflected on bank statements as COMENITY PAY UR WEB PYMT. These payments were not correctly applied. After I requested a full accounting and provided proof of payment, Comenity refused to correct the records and instead charged off an inflated balance. 

The account was then transferred to XXXX XXXX XXXX, who is attempting to collect an amount that does not reflect actual payments made. 

I am requesting : 1. A full and accurate accounting of the account 2. Correction or withdrawal of the inaccurate balance 3. Cessation of collection activity 4. Deletion of any inaccurate credit reporting Both companies have documentation of the dispute and payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: GA

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 4 business days of you receiving this complaint. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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