vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-05 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: KY

Complaint narrative:
There are XXXX medical bills all for over XXXX I think on the same day when I told them I had passport and that the jail was supposed to have to pay for my medical bills

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Good evening, I have put in several on this account because there was an issue the store big lots had closed down and they had switched companies so someone else owned my credit card debt. The information was sent to my old email address so I was unable to obtain it. Once I did find out who owned the debt with them and paid the debt off full however, I have disputed any phones that the information in my file is incorrect for all three credit burrows as for the date my account was opened. I am asking because the information is not correct and I paid the balance in full and with the company going out of business and another company taking this account over for this account be taken off of my account record. This account shows I didnt make my payments on time but that is hard to do when I was unaware who became the new owner of my credit card. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: SC

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate, unauthorized, and unverifiable items appearing on my credit reports with Equifax, Experian, and TransUnion, which are severely impacting my creditworthiness. My personal information has been misreported with addresses that are not mine, including XXXX XXXX, XXXX XXXX, SC XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX, and XXXX XXXX XXXX, XXXX, SC XXXX, all of which I have never lived at, applied with, or been associated with, and these must be removed immediately. Additionally, a hard inquiry was made without my authorization, including XXXX XX/XX/XXXX, which violates FCRA 604 ( a ) and 605B and must be deleted. 

Furthermore, I am disputing multiple charge-off and collection accounts as inaccurate, unverifiable, and potentially fraudulent. The following charge-offs are disputed : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$1100.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$160.00} ), XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1400.00} ), XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$0.00} ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$0.00} ), and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Balance {$1300.00} ). Additionally, the following collection accounts are disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Balance {$1600.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX *, Balance {$310.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$1100.00} ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$870.00} ), XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$540.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Balance {$9400.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$1700.00} ), XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$2100.00} ), Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Balance {$100.00} ), Original Creditor : XXXX XXXX XXXX XXXX XXXX ( Balance {$520.00} ), Original Creditor : WXXXX XXXX XXXX XXXX XXXX  ( Balance {$340.00} ), and Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Balance {$260.00} ). I have never received bills or notices for these accounts, never authorized the services or charges, and request that the credit bureaus obtain original signed contracts, billing statements, and all documentation used to verify these debts. If such documentation can not be provided, these accounts must be deleted immediately under FCRA 611 ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: VA

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I submitted a written dispute to the credit bureau regarding the XXXX collection account. The bureau responded that the account was verified, but they did not provide the Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ). 

I am requesting CFPB assistance to obtain the specific details of their investigation, including : The name and contact information of the person or department the bureau contacted at XXXX The exact records reviewed to confirm the accuracy The date, method, and scope of the reinvestigation Whether an independent investigation was conducted or if the bureau simply relied on an automated e-OSCAR response Without this information, the bureau has not met its legal obligation to provide a proper Method of Verification. I am requesting that the CFPB compel the credit bureau to provide the required MOV details or delete the XXXX account for failure to properly verify under FCRA 611 .

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 2025-12-05 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: FL

Complaint narrative:
I submitted a written dispute to the credit bureau regarding the XXXX collection account. The bureau responded that the account was verified, but they did not provide the Method of Verification as required under FCRA 611 ( a ) ( 6 ) ( B ). 

I am requesting CFPB assistance to obtain the specific details of their investigation, including : The name and contact information of the person or department the bureau contacted at XXXX The exact records reviewed to confirm the accuracy The date, method, and scope of the reinvestigation Whether an independent investigation was conducted or if the bureau simply relied on an automated e-OSCAR response Without this information, the bureau has not met its legal obligation to provide a proper Method of Verification. I am requesting that the CFPB compel the credit bureau to provide the required MOV details or delete the XXXX account for failure to properly verify under FCRA 611 .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian is knowingly reporting a fabricated Bankruptcy Chapter XXXX XXXX XXXX on my credit file despite my written disputes dated XX/XX/year> and XX/XX/year> and despite there being no court record, filing, or verifiable documentation that I ever filed bankruptcy. Experian has failed to conduct a lawful reinvestigation and has willfully reported inaccurate information in violation of the FCRA, causing denial of credit, reputational harm, and emotional distress.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Apple Financing LLC
State: TX

Complaint narrative:
CFPB Complaint Systemic Identity Misclassification & CrossPlatform Profile Interference What Happened / Whats a Fair Resolution WHAT HAPPENED Across multiple companies and platformsincluding XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX  ;, XXXX, XXXX, XXXX, and financial servicesthe systems consistently misidentify my account, merge unrelated data, assign incorrect profiles, or refuse to recognize my legitimate identity. This systemic identity misclassification causes : Account mismatches across devices and ecosystems Incorrect routing of services tied to the wrong identity Unauthorized resets, toggles, and state changes Inability to authenticate on XXXX platform due to conflicts from another Loss of data, messages, and continuity across cloud ecosystems Companies claiming complaints or data do not belong to them Crossecosystem interference affecting payments, syncing, and privacy These failures are not isolated incidentsthey form a repeated pattern across unrelated corporations, timelines, and device environments. The issue appears to be systemic identity fragmentation causing widespread service disruption and harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: FL

Complaint narrative:
I am submitting this follow-up CFPB complaint because multiple inaccurate, unauthorized, and unverifiable items continue to remain on my credit reports with Experian, Equifax, and TransUnion, even after prior disputes. I am not requesting correction I am requesting full removal of these items, as the bureaus and furnishers have failed to verify their accuracy as required under the Fair Credit Reporting Act. 

Experian continues to report XXXX XXXX XXXX as late closed with a {$0.00} balance, despite the fact that this information remains unverified and inconsistent with my records. This continued reporting violates FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), which requires deletion of any item that can not be verified, as well as 623 ( a ) ( 1 ) ( A ) and 607 ( b ) for inaccurate reporting. Because the furnisher and bureau have not produced any valid documentation supporting this account, I am requesting complete removal.

The following accounts also continue to be reported inaccurately and remain unverified after previous disputes XXXX XXXX  XXXX XXXX ( reported as a charge-off with a {$200.00} balance ) XXXX XXXXXXXX XXXX  ( reported with a {$0.00} balance ) XXXX  XXXX * ( reported with a {$480.00} balance ) These accounts remain on my credit file without proper validation, violating FCRA 611 ( a ), 623 ( a ) ( 1 ) ( A ), 605B, and 1681c-2, all of which require deletion when information can not be verified or when the furnisher fails to provide legally required documentation. For this reason, I am requesting full removal of each account from all three bureaus.

Additionally, several unauthorized hard inquiries continue to appear on my Experian and TransUnion reports. These inquiries were made without my consent or any permissible purpose under federal law, violating FCRA 619, 604 ( a ), and 604 ( f ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX TransUnion continues to report additional unauthorized inquiries : XXXX XXXX  XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Because these inquiries were made without my authorization, without permissible purpose, and without any supporting documentation when requested, I am requesting full removal of each inquiry. 

These inaccurate and unverifiable items continue to negatively affect my creditworthiness, resulting in potential credit denials, increased interest rates, and unnecessary financial harm. The credit bureaus have failed to meet their obligations under the FCRA to ensure maximum possible accuracy and to delete information that can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have no connection to the mentioned creditors and did not initiate this inquiry. I request its prompt removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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: IL

Complaint narrative:
XXXX XXXX has incorrectly reported multiple late mortgage payments for XXXX, XXXX, XXXX, and XX/XX/year>. These late payments were reported during a period when no payments were due because I was placed in an official forbearance and then a loan modification program. 

I was approved for a forbearance plan beginning XX/XX/year>, during which my monthly payment obligation was suspended. After this, I was placed into a XXXX XXXX XXXX XXXX trial plan for XXXX XXXX Under both programs, no payments were required and federal rules prohibit reporting delinquency during these periods. 

Despite this, XXXXXXXX XXXX reported these months as delinquent. Their own correspondence confirms : The XXXX delinquency needed to be suppressed. 
The account was in a trial modification from XXXX through XX/XX/year>. 
The account was brought current once the modification finalized in XX/XX/year>. 

Even with this acknowledgement, XXXXXXXX XXXX refuses to remove the late reporting for XXXXXXXX XXXX  These delinquencies are inaccurate, misleading, and violate the Fair Credit Reporting Act and CARES Act, because payments were not due at the time. 

This inaccurate reporting has significantly harmed my credit, made it difficult to obtain financing, and created unnecessary financial hardship. I am requesting that CFPB require XXXX XXXX to correct the credit reporting for these months and remove the inaccurate late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 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: IL

Complaint narrative:
XXXXXXXX XXXX has incorrectly reported multiple late mortgage payments for XXXX, XXXX, XXXX, and XX/XX/year>. These late payments were reported during a period when no payments were due because I was placed in an official forbearance and then a loan modification program. 

I was approved for a forbearance plan beginning XX/XX/year>, during which my monthly payment obligation was suspended. After this, I was placed into a XXXX XXXX XXXX XXXX trial plan for XXXXXXXX XXXX  Under both programs, no payments were required and federal rules prohibit reporting delinquency during these periods. 

Despite this, XXXX XXXX reported these months as delinquent. Their own correspondence confirms : The XXXX delinquency needed to be suppressed. 
The account was in a trial modification from XXXX through XX/XX/year>. 
The account was brought current once the modification finalized in XX/XX/year>. 

Even with this acknowledgement, XXXXXXXX XXXX refuses to remove the late reporting for XXXXXXXX XXXX  These delinquencies are inaccurate, misleading, and violate the Fair Credit Reporting Act and CARES Act, because payments were not due at the time.

This inaccurate reporting has significantly harmed my credit, made it difficult to obtain financing, and created unnecessary financial hardship. I am requesting that CFPB require XXXX XXXX XXXXo correct the credit reporting for these months and remove the inaccurate late payments.

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 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
My personal information was used without my permission, and fraudulent accounts were opened in my name. Ive taken all the proper steps filed police reports, contacted the credit bureaus, and notified the creditors yet these false accounts remain on my report. Its deeply frustrating and unfair. XXXX simply asking for whats right : to have my identity restored and the inaccurate information removed so I can move forward with my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-05 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:
I am filing this complaint because Experian/Equifax/TransUnion are reporting multiple inaccurate, unverified, unauthorized, and fraudulent items on my credit report. These errors continue even after disputes. The bureaus and furnishers have failed to provide proper verification under FCRA. 
ISSUES : Wrong Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I never lived here. This shows identity confusion. 
Late Payments ( I never paid late ) : XXXX  XXXX XXXX XX/XX/XXXX {$270.00} XXXX  XXXX XXXX XX/XX/XXXX {$280.00} XXXX XXXX XXXX XX/XX/XXXX {$8000.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} These late payments are incorrect. I never missed payments, and the furnishers can not prove delinquency. 
Charge Offs ( I have no knowledge ) : XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$1900.00} These accounts are unknown and unverified. No contract or documentation was ever provided. 
Collections ( No validation, no contract ) : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1900.00} XXXX XXXX XXXX XX/XX/XXXX {$6700.00} I never received validation, itemized statements, or proof of ownership. 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I never authorized these pulls. 
REQUEST : I am requesting CFPB assistance to force the credit bureaus and furnishers to provide real verification ( original contracts, proof of late payments, validation of collections, and authorization for inquiries ). Any item that can not be verified should be deleted immediately. 
Thank you for your assistance.

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 2025-12-05 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:
Consumer Financial Protection Bureau I am filing this complaint because my credit report contains multiple inaccurate, unverified, and unauthorized items that are harming me. The credit bureau has failed to ensure accuracy or properly verify this address, and an inquiry. I am requesting a full CFPB investigation and deletion of all unverifiable information. 

XXXX XXXX XXXX, XXXX, TX, XXXX Laws Used FCRA 602 ( A ) accuracy requirement FCRA 607 ( B ) reasonable procedures FCRA 611 ( a ) reinvestigation requirement Story This address is not mine and has never been associated with me, making it inaccurate and unverifiable. 

XXXX XXXX XXXX XX/XX/year> Laws Used FCRA 604 ( a ) ( 3 ) permissible-purpose rule FCRA 607 ( B ) accuracy requirement FCRA 611 ( a ) reinvestigation Story I never gave permission for this credit pull and had no application with them. 

I request that CFPB require the credit bureau to provide full verification or delete these inaccurate items 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 explanation
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This situation has completely turned my life XXXX down. I discovered someone used my information to open accounts and damage my credit, and its been an emotional and financial nightmare. Every time I try to explain to the credit bureaus or the companies involved, XXXX met with silence or excuses. XXXX not just a number XXXX a real person trying to recover from something I didnt cause. Please help me get these fraudulent items removed so I can rebuild my life and protect my future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: CO

Complaint narrative:
FCRA DISPUTE : INACCURATE DATA & BARRIERS TO DISPUTE 1. The Reported Event : On XX/XX/year>, I was in possession of a courtesy loaner vehicle from XXXX XXXX. I noticed damage to the passenger side door. Believing it to be a new hit-and-run incident, I filed a police report and opened a claim with my insurer ( XXXX ) in good faith. 

2. The Factual Correction : On XX/XX/year>, the Service Department at XXXX XXXX reviewed their internal records. They confirmed in writing via text message that the damage was preexisting.

Quote from Dealership : " I did find a photo that was taken a month ago showing the front passenger door ding so this happened on someone else and not you ... that dent did not happen on your end. '' XXXX. The Violation : I immediately notified XXXX that the claim was invalid. XXXX closed the claim with {$0.00} paid and 0 % liability. However, XXXX continues to furnish this entry to LexisNexis as a " Collision. '' LexisNexis published this incorrect data, which harms my insurability. 

4. Reason for Direct Filing : I am filing this complaint directly because LexisNexis 's standard dispute process creates an undue burden. I do not have access to a printer or home mail delivery/pickup to send physical letters.

Company response to consumer: Closed with non-monetary relief