vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-02 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 is reporting inaccurate and damaging charge-off data for an account Ive disputed with no resolution. 

I am filing this complaint against XXXX XXXX XXXX XXXX Bank due to an account they are reporting on all XXXX major credit bureaus that is inaccurate and unverifiable. The account, which was charged off in the amount of {$1200.00}, has been reporting XXXX to XXXXday late payments across more than XXXX years, which is both excessive and inaccurate. 

I have disputed this account with the credit bureaus, but they continue to report it as verified without providing any documentation or proof of validation. No signed contract, transaction history, or original documentation has ever been provided. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX and XXXX, I have the right to a proper investigation and accurate reporting. This account continues to reflect inaccurate history and is causing substantial damage to my credit score despite my attempts to correct it. 

I request that CFPB investigate and require XXXX XXXX and the credit bureaus to remove or correct the reporting immediately.

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 2025-08-02 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: TX

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and misleading reporting by both TransUnion and Equifax on my credit profile concerning an auto loan account with XXXX XXXX XXXX. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX / XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$0.00} ( Paid in Full ) Status : Paid Repossession Despite this account being paid in full and marked as closed, both TransUnion and Equifax are inaccurately reporting derogatory remarks and severe delinquencies ( up to 180 days late ), and a repossession notation which continues to damage my creditworthiness unnecessarily. 

Additionally : - The remarks state " Paid Repossession, '' which is misleading given the account reflects a {$0.00} balance and was settled. 
- This account should not still be impacting my credit negatively as no outstanding balance remains, and the vehicle was returned voluntarily. 



Attached you will find : - Screenshots of the current inaccurate credit report entries. 
- Identification and proof of address. 
Please investigate this matter promptly and provide a resolution. I appreciate the CFPBs assistance in ensuring fair, accurate, and substantiated reporting from the credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This account was paid off in full but still on my account

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 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
This statement serves as a formal complaint regarding inaccurate credit reporting by TransUnion concerning a XXXX credit card account ending in XXXX. This negative and inaccurate account is preventing me from buying a house and car. According to 15 U.S.C. 1681 no negative item should be reported on my credit report as it is damaging and a defamation of character. 

The inaccuracies are based on information provided by XXXX XXXX XXXX, the servicer for the XXXX credit card issued by XXXXXXXX XXXX XXXX, XXXX. A letter from XXXX XXXX XXXX, dated XX/XX/XXXX, specifically addresses these discrepancies. 

The following inaccuracies exist on the TransUnion credit report : * Incorrect Date Closed : The TransUnion report states the account was closed on XX/XX/XXXX. This is incorrect. 
* Inaccurate Delinquency Reporting : The TransUnion report shows a " Maximum Delinquency of 120 days '' in XXXX and XX/XX/XXXX. 
* Inaccurate Balance : The TransUnion report lists a balance of {$810.00} when it was closed. 
* Payment History Discrepancies : The TransUnion report reflects inaccurate payment history details, including incorrect dates and amounts. 

According to XXXX XXXX XXXX ' records, as stated in their letter, the date of first delinquency was XX/XX/XXXX and the last payment received was on XX/XX/XXXX. The account was charged off on XX/XX/XXXX, with an outstanding balance of {$810.00}. 

Despite these inaccuracies, TransUnion has marked the disputed information as " VERIFIED AS ACCURATE '' following their investigation, further compounding the issue.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding is reporting a XXXX XXXX XXXX  account on all 3 bureaus. Ive disputed it several times, but it remains despite no verification. This is damaging my credit, and I want it removed.

I am submitting this complaint against LVNV Funding LLC for inaccurately reporting a collection account that originated with XXXX XXXX XXXX. The account is reported with a balance of {$2200.00} across XXXX XXXX and XXXX. I have disputed this item multiple times directly with the credit bureaus and with LVNV, but it continues to report negatively with no proof or documentation provided to me.

Under the Fair Credit Reporting Act ( FCRA ) 611 and 623, consumers have the right to dispute information and expect that it be properly investigated. LVNV has never provided any signed contract, detailed accounting, or legal documentation verifying that this debt is valid or that they are authorized to collect or report it.

Additionally, the account is still showing as past due and damaging my credit score despite my dispute and request for validation. I am requesting that the CFPB investigate this matter and compel LVNV Funding to either validate the debt with complete documentation or delete the item from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
My payment due date is the XXXX of each payment. Even though I make the payment on that specific due date, I have been charged a late fee. Late for XX/XX/year> was {$41.00} and late fee for XX/XX/year> was {$30.00}. This is a deceptive practice by comenity bank that issued me a XXXX XXXX credit card. Bread financial owns comenity bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding inaccurate and misleading reporting by both TransUnion and Equifax on my credit profile concerning an auto loan account with XXXX XXXX XXXX. 
Account Details : Creditor Name : XXXX XXXX XXXX Account Number : XXXX / XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Balance : {$0.00} ( Paid in Full ) Status : Paid Repossession Despite this account being paid in full and marked as closed, both TransUnion and Equifax are inaccurately reporting derogatory remarks and severe delinquencies ( up to 180 days late ), and a repossession notation which continues to damage my creditworthiness unnecessarily. 

Additionally : - The remarks state " Paid Repossession, '' which is misleading given the account reflects a {$0.00} balance and was settled. 
- This account should not still be impacting my credit negatively as no outstanding balance remains, and the vehicle was returned voluntarily. 



Attached you will find : - Screenshots of the current inaccurate credit report entries. 
- Identification and proof of address. 
Please investigate this matter promptly and provide a resolution. I appreciate the CFPBs assistance in ensuring fair, accurate, and substantiated reporting from the credit bureaus.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I discovered multiple unauthorized hard credit inquiries across my Experian, Equifax, and TransUnion reports. I did not apply for credit with the companies listed below and did not authorize any of these inquiries. These could negatively affect my credit score and may violate the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose before an inquiry can be made Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TransUnion : XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
In reviewing my credit report, I identified multiple issues that I believe are inaccurate or unauthorized. Specifically : Several hard inquiries were made on my credit file without my knowledge or consent, including inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries occurred on various dates between XX/XX/XXXX and XX/XX/XXXX. 
My report also lists multiple incorrect name variations and outdated addresses that I have never used or no longer reside at. These include combinations such as XXXX XXXX, XXXX XXXX, and addresses in XXXX and XXXX, PA, which are no longer accurate. 
In addition, there is a closed account from XXXX XXXX XXXX reporting a past due balance or negative status. I believe the payment history and reporting may be inaccurate and not reflective of the actual terms and fulfillment of the account.

I have not authorized these credit inquiries and have taken no recent actions that would justify them. I am requesting a reinvestigation into all disputed information and removal of any item that can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
In reviewing my credit report, I identified multiple issues that I believe are inaccurate or unauthorized. Specifically : Several hard inquiries were made on my credit file without my knowledge or consent, including inquiries from XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries occurred on various dates between XX/XX/XXXX and XX/XX/XXXX. 
My report also lists multiple incorrect name variations and outdated addresses that I have never used or no longer reside at. These include combinations such as XXXX XXXX, XXXX XXXX, and addresses in XXXX and XXXX, PA, which are no longer accurate. 
In addition, there is a closed account from XXXX XXXX XXXX reporting a past due balance or negative status. I believe the payment history and reporting may be inaccurate and not reflective of the actual terms and fulfillment of the account.

I have not authorized these credit inquiries and have taken no recent actions that would justify them. I am requesting a reinvestigation into all disputed information and removal of any item that can not be verified.

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 2025-08-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am formally disputing an account that was reported to my credit profile without my knowledge, consent, or legal authorization. There is no signed agreement, no permissible purpose, and no validation proving I authorized this tradeline to appear on my credit report. 

Reporting an account without my permission is a violation of multiple consumer protection laws, including : FCRA 1681b No permissible purpose to access or report my credit information FCRA 1681e ( b ) Failure to ensure maximum possible accuracy FCRA 1681s-2 ( b ) Failure to correct or delete inaccurate and disputed information Civil statutes regarding fraud and defamation of character This unauthorized reporting has harmed my credit score, damaged my reputation, and interfered with my financial opportunities. I am demanding the following actions be taken within 15 business days : 1. Immediate and permanent deletion of the unauthorized tradeline from XXXX XXXXXXXX  XXXX XXXX 2. Written confirmation of deletion 3. A full investigation into how and why this information was reported without proper legal basis Failure to comply will result in : A formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General Legal action under FCRA 1681n & 1681o for willful and negligent noncompliance Civil action for defamation and emotional distress No signature. No contract. No consent. No legal right to report. I am demanding that this be resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I already have complaints in I'm getting no help from cfpb XXXX  or XXXX  XXXX what is going on

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
Subject : Remove Unauthorized Inquiry Due to Identity Theft Equifax To Whom It May Concern, Remove immediately the following fraudulent credit inquiry from my Equifax credit report. This inquiry was made without my authorization and is the direct result of identity theft. I did not apply for credit with this company nor did I grant them permission to access my personal credit file. 

The unauthorized inquiry is : XXXX ( XX/XX/XXXX ) To support my claim, I am providing my official Identity Theft Report issued by the Federal Trade Commission ( FTC ). This report, No. XXXX, dated XX/XX/XXXX, certifies that I am a verified victim of identity theft and have reported this crime under penalty of perjury. 

Violations of Federal Law Equifaxs continued reporting of this inquiry constitutes a violation of the following federal laws under the Fair Credit Reporting Act ( FCRA ) : FCRA 605B 15 U.S.C. 1681c-2 Upon receiving a valid identity theft report, Equifax is legally required to block any informationincluding inquiriesresulting from identity theft within 4 business days.

FCRA 604 ( a ) ( 3 ) 15 U.S.C. 1681b ( a ) ( 3 ) Credit reports may only be accessed for a permissible purpose. This inquiry was made without a lawful reason or my consent, violating my rights to privacy.

FCRA 611 15 U.S.C. 1681i You are required to conduct a timely and reasonable reinvestigation of any disputed item and remove it if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: WA

Complaint narrative:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA ) to request immediate investigation and correction of multiple inaccuracies on my TransUnion credit report. The following accounts contain false or unverifiable information that must be updated or removed to ensure compliance with federal law. 

First, I am disputing the account reported by XXXX  XXXX ( Account ending in XXXX ), opened on XX/XX/XXXX, with a balance of {$9900.00}. This balance resulted from fraudulent charges for which I am not legally responsible. Under the XXXX Zero Liability policy , cardholders are not liable for unauthorized transactions. Continued reporting of this balance without correction constitutes a violation of FCRA 623 ( a ) ( XXXX ) ( A ), which prohibits furnishers from knowingly reporting inaccurate information. I request that the balance and account status be corrected for legal accuracy or that the item be deleted entirely. 

Second, the XXXX XXXX account ending in XXXX, opened on XX/XX/XXXX, with a reported balance of {$1800.00}, is also inaccurate. The dates reported as late are incorrect, and their continued inclusion reflects noncompliance with FCRA 607 ( b ), which mandates maximum possible accuracy in credit reporting. I request the deletion of this account due to its inaccurate and unverifiable nature. 

Third, the account from XXXX XXXX, XXXX. ( Account ending in XXXX ), opened on XX/XX/XXXX, with a reported balance of {$20000.00}, is listed as a charge-off. I request documented proof of the last payment to verify the legitimacy of this entry. Reporting this item without sufficient verification violates FCRA 623 ( a ) ( 3 ), which obligates furnishers to update or correct inaccurate information. If proper documentation can not be provided, the account must be corrected or removed. 

Lastly, I dispute the account from XXXX XXXX XXXX ( Account ending in XXXX ), opened on XX/XX/XXXX, with a reported balance of {$15000.00}. This account appears to have been reinserted into my credit report without any written notification, as required by FCRA 611 ( a ) ( 5 ) ( B ). This is a serious violation of your reinvestigation duties under the FCRA. I request immediate removal of this account unless you can provide clear proof of my liability and compliance with reinsertion notification requirements.

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 2025-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I did not authorize this inquiry, nor did I have any communication with that lender on the stated date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-02 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: MI

Complaint narrative:
EXPERIAN WAS REAL RUDE WITH ME BECAUSE THIS MY LIKE 10th complaint to them and THEY DOING WHAT THEY WANT LIKE THE. OWN MY DATA AND CONSUMER REPORT ITS AGAINST THE LAW TO REPORT FALSE INFORMATION. To Whom It May Concern, This is a formal notice that fraudulent and negative information is still being reported on my EXPERIAN credit report, despite multiple previous disputes. These inaccurate entries are not only unauthorized but are also a direct result of identity theft and should have been removed already. 

I am demanding that all fraudulent accounts, collections, charge-offs, and late payments be permanently removed from my file IMMEDIATELY. Continuing to report this false information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and is causing me ongoing harm.

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