vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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 an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies 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} Issue : Several accounts are showing as charged off or with inaccurate balances. Some appear outdated, unverifiable, or duplicated across bureaus. I have not received proper documentation validating these accounts or balances. Please verify each with the original creditor and delete any item that can not be verified. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Issue : These inquiries appear to have been made without my full authorization or without a clear permissible purpose. Please verify consent and remove any unauthorized inquiries. 

Late Payments XXXX XXXX XXXX XXXX, Acct # : XXXX XXXX XXXX Acct # : XXXXXXXX XXXX XXXX  Acct # : XXXXXXXX XXXX XXXX Acct # : XXXX Issue : Late payments may be reported incorrectly or inconsistently. I request verification of the payment history and removal of any inaccurate entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. 

I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this 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 explanation
Consumer complaint received 2025-11-12 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 disputing the following charged-off accounts and late payments that appear on my TransUnion credit report. These items are either incorrect, incomplete, or improperly reported. 

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES ( No inquiries listed for TU ) POSITIVE ( No positive accounts listed ) LATE PAYMENTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
The XXXX XXXX credit card account is being reported inaccurately as a collection. This account was paid in full and has a XXXX balance. It should not be reported as a collection or negative account. The reporting is misleading and does not accurately reflect the true status of the account. I have already disputed this information with the credit bureaus and contacted the creditor, but the account continues to show as a collection despite being paid and closed with a XXXX balance. This violates the Fair Credit Reporting Act, which requires furnishers to report complete and accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Hi, Im reaching out because theres a collection account showing up that does NOT belong to me. Ive asked the company to validate this debt, and they havent provided any proof that its mine. This is causing issues with my credit, and I need it removed immediately.

Ive never had an account with this company, and they havent shown any documentation to prove ownership. Please help me get this resolved and taken off my credit report. 
Thanks for your time! 

XXXX XXXX FOR LIKE ALMOST {$600.00} I NEVERT HAD ANYTHING TO DO WITH THE COMPANY THEY ARE REPRESENTING

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-12 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-12 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: MS

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-11-12 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-12 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: TX

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: VA

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to resolve issues related to my credit report. I have identified the following accounts that are in dispute and request your assistance in investigating and correcting the information provided. Please find the details separated by bureau : Charged Off XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX, Date Opened XXXX XXXXXX/XX/year>, Balance : {$0.00} Late Payments XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Recently, the Consumer Financial Protection Bureau ( CFPB ) filed a lawsuit against Experian for conducting sham investigations into consumer credit report disputesfailing to properly investigate or verify disputed information as required by law. This public action validates my ongoing concern that my prior disputes may not have been handled with the due diligence and accuracy mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 611 ( 15 U.S.C. 1681i ), which requires reasonable and thorough reinvestigation of disputed information. 
While the lawsuit specifically names Experian, it underscores a systemic problem among all credit bureaus in handling consumer disputes without due care. For this reason, I am requesting that you conduct a thorough, lawful reinvestigation of the unverified and inaccurate items on my credit report across the XXXX 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 2025-11-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I picked up the phone for an unknown number, I was waiting on an important phone call about the health of a pet so they got me at the exact right time. The person on the other side said, " This is the XXXX XXXXXXXX XXXX XXXX  office, we are calling because you didn't show up for jury duty. Is there a reason you weren't able to make it? '' and it spiraled into an elaborate scam telling me there would be a warrant for my arrest if I didn't give them {$1000.00} for my bail. I haven't had any involvement with police or the courts so this scam was a perfect storm for me to fall for when I was having a stressful time. 

They said I would get the money back quick, I just had to talk to a judge real fast to make sure I wasn't a risk or under duress of some kind. There was a whole story how they had had jurors threatened in the past and being stopped from going to jury duty by someone the defendant paid. A " XXXX  XXXX '' got on the phone with me and walked me through an elaborate story about the fake case, and what I needed to do. He even provided me with a fake badge and radio number ( Radio XXXX Badge XXXX ). They said I had to pay cash at either a XXXX or XXXX  or I could use my XXXX  at XXXX. They kept me on the phone, told me I couldn't talk to anyone because the transcript would be use in the case. I didn't have {$1000.00} in my account, truthfully I had negative money in my account and was waiting to be paid the next day. They said they could change it to {$500.00} if the judge thought I wasn't a huge risk. He put me on hold and said that would work. I didn't live super close to a XXXX so I drove and talked to the man for a while. He gave me a speech I had to give the person at XXXX on how to proceed. He sent me a Capital XXXX bar code ( though looking at the XXXX receipt it says XXXX XXXX  XXXX, which has a lot of dead links on its site including their customer service arm ) and the teller commented, " Wow I haven't seen XXXX  XXXX do it this way before! '' and it sunk in. 

The man on the phone tried to push for more money and that's when I realized it was a scam. I hung up and went back in to the XXXX to tell them I was scammed. They were very nice, said they'd keep an eye out for this scam. They couldn't do anything more but said I should call XXXX quickly tried to stop the transaction through the XXXX app. The only option that was close was, " it wasn't me '' and I quickly put a hold on my card. I called and talked to XXXX, told them everything, and they were able to refund me. 

Cut to today, I see they reversed my claim because while being scammed and under the impression I would be arrested if I didn't send money, I still physically made the transaction. I have now filed a police report ( they wouldn't take XXXX previously because I had gotten my money back ) and I'm trying to get my claim accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

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 2025-11-12 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: MO

Complaint narrative:
Inaccurate reporting for XXXX  ( Acct XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX credit report XX/XX/XXXX This is a formal dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate reporting of my Student Loan account ending in XXXXXXXX XXXX XXXX XXXX XXXX on my Transunion credit report. 
XXXX  lists this account as XXXX  days late in XX/XX/XXXX but paid ok several months leading up til XXXX and thereafter. TransUnion and XXXX  show no reporting XX/XX/XXXX, ok in XXXX and XX/XX/XXXX, then XXXX  days late in XXXX of XXXX. A XXXX late can not occur without sequential prior delinquencies, rendering this reporting factually impossible. 
This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Under 611 ( a ), this entry must be deleted.

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 2025-11-12 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:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Reported XX/XX/XXXX, Balance : {$0.00} Issue : The XXXX XXXXXXXX XXXX XXXX XXXX XXXX accounts are reporting incorrectly as charged off with XXXX balances, and no documentation has been provided verifying these accounts current status or ownership. 
The XXXX  record may also be inaccurately reported or duplicated. I request Experian verify these items and delete any unverifiable or outdated entries. 

XXXX XXXX Accounts XXXX, Account XXXX XXXX XXXXXXXX Issue : This account is showing inconsistent late payment reporting. Please verify its accuracy with the furnisher or remove if unverifiable. 

XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX Issue : I do not recall authorizing this inquiry. Please verify that it was made with my consent and for a permissible purpose under the FCRA.

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 2025-11-12 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: Absolute Resolutions Corp.
State: TX

Complaint narrative:
An account allegedly associated with Absolute Resolutions is being reported on my credit file, but the same account is appearing under multiple different furnisher names, phone numbers, and address variations across different credit reporting agencies. Because the furnisher identity is inconsistent, the information can not be verified with maximum possible accuracy as required under the FCRA. 

I discovered the issue on my credit reports dated XX/XX/year>. The same account appears under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I These names are not the same entity. They use different phone numbers and slightly different addresses ( some show XXXX XXXX, some XXXX XXXX, some show no suffix ). Because of this, it is unclear who is actually furnishing the data, who is reporting to which bureau, or whether the information is associated with a legally identifiable furnisher. 

I mailed a certified dispute directly to the furnisher providing documentation and requesting proper verification. The response did not clearly identify which legal entity was reporting the information, nor did it provide consistent verification. I also disputed directly with the credit reporting agencies, but the item remained despite the identity conflict. 

This prevents any bureau from verifying the account accurately. The reporting fails the standard of maximum possible accuracy, and the reinvestigation did not resolve the conflicting furnisher information. 

I am requesting that CFPB review this matter because the account can not be fully or properly verified until the furnishers identity is clearly established and consistent across all platforms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AL

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

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

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

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

Company 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