vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I assert that the incorrect late payment entries on my accounts violate 15 USC 1666. I have consistently made timely payments, and any inaccuracies in this reporting are both unfair and unlawful.

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 2025-11-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My attorney has contacted the debt collector, Property Receivables, regarding this alleged debt, which is inaccurate and in violation of the Fair Credit Reporting Act ( FCRA ). Despite being notified, XXXX XXXX has not complied with the request for removal. 

Our attorney also mailed Equifax a letter stating to remove this from our credit report via XXXX certified mail. During XXXX investigation, XXXX Receivables claimed the information was accurate, which is incorrect. Despite submitting attorney documentation verifying the inaccuracy, Equifax failed to take corrective action on this which is completely unacceptable. 

I have attached a letter from both mine and my wifes attorney for your review. My wife submitted the same documentation to Equifax for her credit report, and the collection account was successfully removed. However, for some reason, mine remains and is still marked as accurate, which it is not, and this continued reporting violates the FCRA. 

Please review the attached documentation and remove this inaccurate collection account from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
XXXX be advised this is my XXXX  WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights. Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of XXXX XXXX. You are required under the FCRA to have a copy of the original creditor 's documentation on file to verify that this information is mine and is correct. DELETE all information which can not be verified. 
I demand the following accounts be verified or deleted immediately. 
XXXX. I disputed this account and nothing was sent to me legally verify this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

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 2025-11-09 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
XX/XX/2025 SYNCHRONY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that XXXX business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you DELETE the FOLLOWING ACCOUNT-SYNCHRONY FINANCIAL, SYNCB/WALMART, BALANCE {$200.00} COMPLETELY IMMEDIATELY under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 


I DEMAND that you DELETE the following ACCOUNT listed BELOW OFF my CONSUMER CREDIT REPORT IMMEDIATELY : ACCOUNT NAME : SYNCHRONY FINANCIAL, SYNCB/WALMART, BALANCE : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XX/XX/year> COMENITY CAPITALXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, I DEMAND that you Immediately DELETE ALL INACURATE PERSONAL INFORMATION that I do not verify, Under 15 USC 1681 ( i ) ( ii ) - Procedure in case of disputed accuracy. Certification of accuracy of information if any information is DELETED from a CONSUMERS file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the CONSUMER reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Notice to CONSUMER if any information that has been DELETED from a CONSUMERS file pursuant to subparagraph ( A ) is reinserted in the file, the CONSUMER reporting agency shall notify the CONSUMER of the reinsertion in writing not later that 5 business days after the reinsertion or, if authorized by the CONSUMER for that purpose, by any other means available to the agency. I DEMAND you DELETE the FOLLOWING ACCOUNT-COMMENITY CAPITAL/IDE, BALANCE {$0.00} COMPLETELY IMMEDIATELY under 15 U.S. Code 1681 ( b ) -REASONABLE PROCEDURES. It is the purpose of this subchapter to require that CONSUMER reporting agencies adopt reasonable procedures for meeting the needs of commerce for CONSUMER CREDIT, Personal, Insurance, and other information in a manner which is fair and equitable to the CONSUMER, with regard to the CONFIDENTIALITY, ACCURACY, RELEVANCY, and proper UTILIZATION of such information in accordance with the REQUIREMENTS of this subchapter. 


I DEMAND that you DELETE the following INQUIRY listed BELOW OFF my CONSUMER CREDIT REPORT IMMEDIATELY : ACCOUNT NAME : COMENITY CAPITALXXXX BALANCE : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I respectfully request that the CFPB require XXXX XXXX to immediately delete or correct all inaccurate information being furnished to the credit bureaus and to cease reporting any accounts it no longer owns or services. XXXX has confirmed in writing that certain loans were sold to Jefferson Capital Systems , LLC, yet it continues to appear as the furnisher of record. This is misleading and violates the Fair Credit Reporting Act ( FCRA 605B ). 

I am requesting a full investigation and verification of each account. XXXX should provide written confirmation that all transferred loans have been removed from my credit file and that any remaining charge-off accounts are accurate, verified, and lawfully reported. I seek full correction of my credit reports to reflect only accurate and authorized information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
My PayPal account was restricted they told me after XXXX  days I will receive a email to withdraw funds it has been XXXX  years and still able to log in and funds are still there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Tesla, Inc.
State: WA

Complaint narrative:
On XX/XX/year>, I placed an order for a Tesla vehicle through Teslas official website and paid a {$500.00} order fee. During checkout, the website allowed me to select a financing option with 0 % down payment and displayed an estimated monthly payment based on that choice. I proceeded under the assumption that Tesla would review and confirm my financing application before delivery.

After submitting the order and paying the fee, I gained access to my Tesla account and mobile app, where the system now required a minimum down payment of over {$3000.00} and prompted me to schedule delivery without any financing approval or clear information about the loan terms. I was never contacted or given an opportunity to confirm or modify financing.

Later, my order was automatically cancelled by Tesla without explanation. When I contacted the company, I was informed that the {$500.00} order fee was non-refundable and non-transferable although no such disclosure was visible before payment. I specifically requested proof showing where this information appeared prior to checkout, but Tesla failed to provide it.

Afterward, a Tesla representative confirmed by phone that the website was modified after my order to add the non-refundable disclosure. I later received an email acknowledging my lost cost in the cancelled order and offering a mobile connector as a gesture if I purchased a new car.

The {$500.00} fee was taken without providing any actual service or processing, and my attempts to reinstate the order or apply the payment toward another purchase were denied. This appears to be an unfair and deceptive practice a retention of funds without a completed transaction or rendered service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: DE

Complaint narrative:
Please upload the documentation used to verify the balance and the handling of the security deposit. A statement of verification without documentation is not compliant with FCRA 623 or 611. 

XXXX collected a {$200.00} secured deposit on XX/XX/year> ( security deposit confirmation email attached ). They are reporting the full charged-off balance to Equifax without subtracting this deposit, which inflates the balance and violates FCRA 623 for accuracy.

I am requesting : 1. Documentation showing how XXXX applied the security deposit, OR 2. Correction/deletion of the tradeline if they can not substantiate the balance.

This is a secured card the deposit must be applied to the balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: SC

Complaint narrative:
I am submitting this complaint against Experian for failing to accurately report my accounts in compliance with the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act, specifically under Section 4021, which amended the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ).

During the COVID-19 pandemic, I experienced financial hardship and was under forbearance and payment accommodation agreements consistent with CARES Act protections. Despite this, late payments were reported on my credit report, which constitutes an unlawful act under both the CARES Act and FCRA 623 ( a ) ( 1 ) ( A ), as data furnishers must ensure all information provided to credit reporting agencies is accurate and complete. 

The accounts in question are as follows : XXXX XXXX XXXX, Account # XXXX Opened XX/XX/XXXXXXXX XXXX, Account # XXXX Opened XX/XX/XXXX These accounts show late payments reported during the COVID-19 pandemic, which should not have occurred if the accounts were in accommodation or forbearance status. This false reporting has negatively affected my credit standing and violates both federal law and consumer protection standards.

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 2025-11-09 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: NY

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have not been able to log in my account from the insurance fraud claim. Or have I been able to find the data broker attorney responsible for the collection notice of dispute. I had a arbitration agreement from the sheriff with a XXXX affidavit I want to file a breach of contract with the account documents from the administrator. I have a inaccessible data breach with the compromised email and stolen log in credentials from the inaccessible account email and phone compromised. I have reported the background records compromised and inaccessible. I have file a police report with the investigation of the credit report with Equifax data breach settlement administrator. I have compromised data send grid data base with Malwarebytes and my account was exposed in the eternal agreement of the doctrine court order of employee CEO manager agreement from the log in dispute claim. I want to file a ID restoration claim from the agreement showing compromised cyber liability claim of bankruptcy dispute. I had a data breach with the informed XXXX affidavit and insurance fraud claim with the government background check. I have asked to file a identity theft bank account error log in and data breach account theft with the business account administrator. I have a XXXX XXXX XXXX insurance collapsed data breach with my data broker provider. I am liable for the claim and my account has been in a reverse mortgage with the credit bureau bankruptcy administrator. I want to file a breach of fiduciary duty claim from the asset forfeiture and update my bankruptcy dispute showing error log in from the account dispute from my member support XXXX down of my FTC report with the identity theft department. I have a police report filed with Equifax but my account was distorted with data breach compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Merchants Credit Corporation
State: NC

Complaint narrative:
I have not been able to log in my account from the insurance fraud claim. Or have I been able to find the data broker attorney responsible for the collection notice of dispute. I had a arbitration agreement from the sheriff with a XXXX affidavit I want to file a breach of contract with the account documents from the administrator. I have a inaccessible data breach with the compromised email and stolen log in credentials from the inaccessible account email and phone compromised. I have reported the background records compromised and inaccessible. I have file a police report with the investigation of the credit report with XXXX  data breach settlement administrator. I have compromised data send grid data base with XXXX  and my account was exposed in the eternal agreement of the doctrine court order of employee CEO manager agreement from the log in dispute claim. I want to file a ID restoration claim from the agreement showing compromised cyber liability claim of bankruptcy dispute. I had a data breach with the informed XXXX affidavit and insurance fraud claim with the government background check. I have asked to file a identity theft bank account error log in and data breach account theft with the business account administrator. I have a XXXX XXXX XXXX insurance collapsed data breach with my data broker provider. I am liable for the claim and my account has been in a reverse mortgage with the credit bureau bankruptcy administrator. I want to file a breach of fiduciary duty claim from the asset forfeiture and update my bankruptcy dispute showing error log in from the account dispute from my member support XXXX down of my FTC report with the identity theft department. I have a police report filed with XXXX  but my account was distorted with data breach compromise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Fidelity National Information Services, Inc. (FNIS)
State: MO

Complaint narrative:
I have no knowledge of this account and believe it was opened fraudulently

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 2025-11-09 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: MO

Complaint narrative:
I have no knowledge of this account and believe it was opened fraudulently

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 2025-11-09 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: MS

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

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 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally requesting the removal of this incorrect account from my credit report, as I did not authorize its creation or usage. Attached are the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief