vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Sent a good will letter to Comenity bank for late payment deletions due to hardships I was facing during and coming out of the Covid pandemic XXXX and XXXX. Finally was able to pay the full balance requested beginning XXXX. I received a letter back stating they don't handle the credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Subject : Dispute of Negative Items on Credit Report Dear Sir/Madam, I am writing to formally dispute the following items on my credit report that I believe to be inaccurate or incomplete. According to the Fair Credit Reporting Act ( FCRA ), I request that these items be reviewed and corrected accordingly. 
1. Charge-Offs and Collections : o Easternaccos ( Balance : {$52.00}, Status : Charge-Off/Collection ) : This account shows no payment history, and I request verification of the balance, status, and any payment history. 
o XXXX ( XXXX : {$1300.00}, Status : Charge-Off ) : This account reflects a charge-off from XXXX with no payment history. Please provide documentation to support this claim. 
o XXXX ( XXXX : {$580.00}, Status : Charge-Off ) : This account shows missed payments, and I request verification of the charge-off and payment status. 
o XXXX XXXX ( Balance : {$580.00}, Status : Collection ) : This account shows a collection, and I request verification of the debt and its history. 
2. Late Payments : o XXXX XXXX XXXX XXXX ( Amount Past Due : {$1000.00}, Status : 30 Days Late ) : I request verification and clarification of the late payment status and past due amount on this auto loan.

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 2025-11-04 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:
I am filing this formal complaint regarding serious inaccuracies appearing on my credit report that are negatively affecting my creditworthiness. These errors involve both an incorrect address and an unrecognized charge-off account. 

Incorrect Address Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This is not my address, nor have I ever lived at or been associated with this location in any capacity. The reporting of this address is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ) because it represents inaccurate and unverifiable personal information. 

Unrecognized Charge-Off Account : Creditor Name : XXXX Account Number ( partial ) : XXXX * High Balance : {$560.00} Date Opened : XXXX  I have no knowledge of this account whatsoever. I have never opened or authorized any account with XXXX that matches this description. Reporting a charge-off that can not be verified by original documentation constitutes inaccurate and misleading credit reporting under the FCRA, Sections 602 ( A ) and 607 ( B ). 

Requested Resolution I am requesting the CFPB to investigate this matter thoroughly and compel the relevant data furnishers and credit reporting agencies to : Immediately delete the inaccurate address ( XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) from my credit report ; Delete the unrecognized XXXX charge-off account ( Account No. XXXX * ) since it can not be verified and I have no knowledge of it ; and Provide written confirmation that these deletions have been completed. 

Summary These reporting errors are causing me significant financial and emotional distress. I have the right to accurate and verifiable information on my credit reports, as guaranteed by the FCRA. I respectfully request your urgent intervention to ensure full compliance by the furnishers and the credit bureaus. 

Thank you for your time and prompt attention to this serious matter.

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 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Alorica Inc.
State: MA

Complaint narrative:
In XX/XX/XXXX, I noticed an account from a company listed as SST was reported on my credit file as in collections with a balance of approximately {$1700.00}. I do not recognize this account, and I never opened or authorized it. 

I was never contacted by this company before they reported it. I did not receive any letters, billing statements, or debt-validation information prior to the negative reporting. The account shows late payments beginning in XXXX, but I was unaware of this debt and did not receive any communication during that period. 

I attempted to dispute the account through the XXXX XXXX XXXX, but the furnisher did not provide any documentation proving that I opened or used this account. The account remains on my credit file as derogatory and is negatively affecting my credit. 

I am requesting that the company provide documentation showing that I opened this account and am responsible for the debt. If they can not verify the account with valid proof, I request that it be removed from my credit reports. 

Desired resolution : Delete this account from my credit report because it is not mine and has not been properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NC

Complaint narrative:
I am writing to dispute the following accounts that have been inaccurately reported. I request an investigation into the following items under the Fair Credit Reporting Act ( FCRA ) : Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Positive Accounts : None listed for TransUnion. 

Late Payments : XXXX XXXX, XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: DE

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
Consumer complaint received 2025-11-04 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: DE

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I regularly monitor my credit report because maintaining an accurate and healthy credit score is very important to me. Upon reviewing it, I noticed several inaccurate and false accounts being reported under my name. This is the first time I am disputing these errors, and I want to make it clear that they do not belong to me. Its extremely stressful and disheartening to see incorrect information affecting my credit and misrepresenting my financial history.

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 2025-11-04 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: MN

Complaint narrative:
Would you look this over? It appears to have been reported late and might be false.

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 2025-11-04 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: FL

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items that appear on my Experian credit report issued on XXXX XXXX XXXX  Upon reviewing the report, I noticed that there are multiple delinquent accounts and collections entries that I believe need to be further reviewed and possibly removed. 
Please investigate the following : 1. Delinquencies : My report includes 4 delinquencies. I believe these records may be outdated or incorrect. Kindly verify the information and remove these delinquencies if they can not be substantiated with proper documentation.

2. Collections : I have found 2 collections accounts. If these debts have been paid or settled, please ensure they are marked as " Paid '' or " Settled. '' If any of these collections are unverifiable, I request that they be removed from my credit report.

3. Incorrect Information : If any of the disputed accounts can not be validated, I ask that they be deleted from my credit file as required by the Fair Credit Reporting Act.

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 2025-11-04 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: 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 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 2025-11-04 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:
I can not believe that the inaccurate accounts are still showing on my credit report even after everything I have done. Please, I am pleading that my attached documents be reviewed properly so this problem can finally end and I can have peace of mind again.

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 2025-11-04 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: TX

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-11-04 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:
I am requesting that the CFPB investigate and ensure these items are corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Disputed Account XXXX XXXX Account # XXXX, Reported XX/XX/year>, Balance {$450.00} This account is being reported as charged off. I am disputing this reporting because I have not received any recent validation or supporting documentation from the furnisher. The date and status appear inconsistent with the accounts activity, and I request full verification or removal if the debt can not be substantiated under FCRA 611 ( a ). 

Disputed Inquiries None listed. 

Positive Accounts None listed. 

Late Payments None listed.

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 2025-11-04 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: TX

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Apelles, LLC
State: FL

Complaint narrative:
am disputing a collection account being pursued by Apelles on behalf of XXXX XXXX XXXX XXXX. I received a collection notice dated XX/XX/year>, referencing account number XXXX. 

I am requesting that all collection activity cease until full validation of this alleged debt is provided, as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). The letter states that if I dispute the debt by 12/01/2025, Apelles must stop collection attempts until verification is sent.

To date, I have not received proper validation of the debt, and I am exercising my right to dispute and request verification through the CFPB. Please review Apelles compliance with federal collection law and ensure they cease all communication and collection efforts until the debt is properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On about XX/XX/year> i contacted Wells Fargo about my credit card being closed for no reason and they stated they would send me a letter stating the reason my credit card was closed i never received the letter called again around XX/XX/XXXX got the same response. I called again on the XXXX stating i was told XXXX by representative i would get a letter and still havent received reason the account was closed

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 2025-11-04 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: MD

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 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