vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Between XXXX and XXXX, I submitted multiple written disputes to XXXX, Experian, and TransUnion regarding inaccurate, obsolete, and unverifiable information appearing on my credit reports. Despite sending several dispute letters and a final demand letter in XX/XX/XXXX, the bureaus have failed to properly reinvestigate and delete the disputed items. 

The inaccurate reporting includes : Collections and charge-offs from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and family support accounts being misreported as consumer credit charge-offs. These accounts show duplicate reporting, conflicting balances, and unverifiable data. 

Outdated personal information, including old addresses and incorrect employment. 

The credit bureaus continue to report these items in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( b ), 1681i, and 1681s-2 ). These errors are causing ongoing financial harm by lowering my credit scores and blocking access to credit opportunities.

I am requesting CFPB assistance to ensure the credit reporting agencies : Delete all inaccurate, obsolete, and unverifiable accounts.

Remove outdated personal information.

Provide me with updated credit reports reflecting these corrections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint against Credit Management Company for the unlawful and inaccurate reporting of an alleged debt in the amount of {$1300.00}, opened on XX/XX/year>. I do not recognize this account, and the company has not provided me with any documentation proving that I am legally responsible for this alleged debt. 

Despite previous disputes, Credit Management Company has continued to report this account without providing proof of validity. They have failed to produce a signed contract or wet signature agreement showing that I authorized this account or allowed them to have access to my personal information. Without that proof, this company has no legal grounds to report or collect.

It is illegal for Credit Management Company to obtain, use, or report my personal information without consent. Their conduct is a violation of multiple consumer protection laws including : Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) requiring debt collectors to provide verification of a debt.

Fair Credit Reporting Act ( 15 U.S.C. 1681b, 1681s-2 ( b ) ) which prohibits inaccurate or unverifiable reporting. 

Texas Finance Code 392.101, which requires a debt collector to have documentation and proof of assignment before collecting or reporting a debt. 

This account is being reported without validation and is actively harming my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: Kikoff Inc.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1881i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
Via complain XXXX, the company claimed " Were adding XXXX points for the XX/XX/2025, purchase that did not get awarded XXXX points. The remaining balance of the purchase has been transferred to a new 6 month Waived Interest, Payment Required promotional plan. '' That response was given on XX/XX/2025. When I log into my account I noticed that the XXXX points have NOT been awarded. It seem this company simply gave this response to the CFPB so they would just close the case and not award the points. That is why the CFPB should NOT prematurely close this cases. It doesn't even verify the claims are correct. Companies know this and will just tell the CFPB what they want to hear and then they close the case. Now we have to open another case and waste everyone 's time again to get to the bottom of this. This seems like unethical behavior by a company where they claim they will do one thing to a government agency because they know it will close out the case but not follow through with what they said.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
My account number with Forever21/Comenity Bank is XXXX and the email associated with the account is XXXX. 

In XX/XX/XXXX, I had my first late payment after having this account for approximately 13 years, I spoke with the debt settlement department in XX/XX/XXXX who stated that the late payment would be removed once the account had a XXXX balance. I made the final payment on XX/XX/XXXX. I have made several attempts by phone to update the creditor on my account status to get this late payment removed. When I called their customer service number, each time I was transferred to the debt settlement department who handles these matters. Sometimes I would be on hold for 1 hour+ with no answer ; other times I was disconnected with no callback ; and when I called Tuesday XX/XX/XXXX, I received an automated message that the debt settlement department was now closed on Tuesdays and Thursdays. The most recent time I called was on XX/XX/XXXX at XXXX XXXX. At this time, I received an automated message stating that their office is closed even though I was calling within business hours. I decided to try and reach the creditor via the CFPB due to difficulty contacting an agent. 

Thank you for reviewing my account, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SANTANDER HOLDINGS USA, INC.
State: MN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This account has late payments where I was not responsible for such an eventual outcome that has affected by credit history. I believe that the issue was because the financial institution flawed on the automatic payments, and I was never made aware of it until late payments occurred. I was never given a warning phone call, nor given notice by email or text message, even though such a warning system was already in play. I request a full accounting of the late payment history and if I am 100 % accurate the deletion of the late payment history. 

PLEASE REVIEW MY PAYMENT HISTORY AND MAKE THE NECESSARY ADJUSTMENTS!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXX Balance : {$96.00}, XXXX XX/XX/XXXX, XXXX  XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Collection Management Holdings, LLC
State: IL

Complaint narrative:
Recently checking my credit report I notice that I had multiple collection and closed accounts. All of these accounts I have no knowledge of. 
They have been open and used without my consent. I reached out to these companies and financial institutions to get an understanding of how these accounts had been opened. As well as to let them know that I had no knowledge of them and that I had been a victim of Identity theft. 
These accounts are as follows : XXXX XXXX Credit Management Company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-24 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : XXXX Email : XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX Date : XX/XX/XXXX Re : Formal Dispute of Inaccurate Credit Reporting under FCRA XXXX, XXXX, XXXX Reference File No. : XXXX DOB : XXXX I am formally disputing several inaccurate, incomplete, and inconsistent items on my TransUnion credit report dated XX/XX/XXXX. This dispute is filed under the Fair Credit Reporting Act ( FCRA ) 604, 611, and 623. 
Disputed Items : - TU lists 32 accounts vs 29 in XXXX XXXX Account XXXX XXXX present only in TU - Account XXXX XXXXXXXX present only in TU - Truncated account numbers inconsistent - Accounts shown as Open vs Collection elsewhere - Employer data inconsistent Requested Resolution : 1. Immediate reinvestigation within 15 days 2. Deletion or correction of unverifiable data 3. Full updated credit report mailed to me 4. Furnisher details provided.

Supporting Documentation : - Government-issued ID - Proof of address - Copy of TransUnion report ( XX/XX/XXXX ) - FTC Identity Theft Report XXXX XXXX If TransUnion fails to comply, I will escalate by filing complaints with CFPB, FTC, and Texas Attorney General, and pursue remedies under FCRA 616617 .

Sincerely,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: MS

Complaint narrative:
Subject : Formal Complaint Against Experian for Failure to Remove Unverifiable Bankruptcy To Whom It May Concern, I am submitting this formal complaint against Experian for its continued and unlawful reporting of a bankruptcy dated XX/XX/year>, which has been deemed unverifiable by both XXXX  and XXXX  following their investigations. 
Despite multiple disputes and requests for reinvestigation, Experian has failed to provide any documentation or verification of this bankruptcy to me. Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are legally obligated to remove any information that can not be verified. The fact that both XXXX  and XXXX  have removed this bankruptcy from my credit file clearly demonstrates that the record is unsubstantiated and inaccurate. 
Experians refusal to delete this unverifiable bankruptcy is not only negligent but also a direct violation of federal law. This continued reporting is causing significant and unjust damage to my creditworthiness, financial opportunities, and peace of mind. 
I demand that the CFPB investigate Experians noncompliance and take immediate corrective action. I am requesting : Full removal of the unverifiable bankruptcy from my Experian credit report A formal explanation from Experian regarding their failure to comply with FCRA Any applicable penalties or enforcement actions to ensure accountability Attached are copies of my updated credit reports from XXXX  and XXXX, which reflect the removal of the bankruptcy, along with prior dispute correspondence with Experian. 
I expect swift action on this matter. Consumers should not be forced to endure inaccurate reporting due to Experians failure to uphold its legal obligations. 
Sincerely, 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 2025-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Asset Recovery Solutions, LLC
State: IA

Complaint narrative:
Asset Recovery Solutions , LLC are sending notices to my friends house. I have never lived at the address they are sending notices to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NY

Complaint narrative:
so in late XX/XX/year> I requested a new card for my US BANK STATE FARM CREDIT CARD and went through the proper avenues to prove that it was my card and that its on my credit report and etc. they accepted it and sent my card out and I got it on XX/XX/XXXX ish. 

since then I been using the card perfectly fine and etc till XX/XX/XXXX ish when all the sudden my card was denied for " unauthorized use at XXXX  " I called customer support later on to see what was wrong and confirmed my last few purchases. I was told to call the fraud department on the XXXX to handle the situation. 

on the XXXX I was told that my account has been closed for " risk '' and today the XXXX i received a letter that said cause they suspect my account is in danger and fraud. 

I had to wait a week ish to get a clear reason why my card and account was closed. right before a payment was due for the card which I find to be wrong. ( i paid the minimum on the due date )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: CO

Complaint narrative:
I settled my XXXX XXXX XXXX XXXX  account through XXXX XXXX XXXX XXXX XX/XX/XXXX, paying {$1400.00} in full ( payment receipt attached ). I later received a formal settlement confirmation letter dated XX/XX/XXXX. Despite this, TransUnion and XXXX  continue to report the account under XXXX XXXX XXXX XXXX with contradictory and derogatory statuses, including Charge-Off, Collection, Settled, and Transferred. 

XXXX confirmed in writing that the account was transferred to XXXX XXXX in XX/XX/XXXX and that they can not take further action. XXXX  confirmed through CFPB that they own the account but do not report tradelines. XXXX confirmed they were only a collector, do not report, and that the account was settled. Yet the credit bureaus still list XXXX as the furnisher, leaving contradictory and harmful remarks on my reports well after the settlement date. 

The companies actions appear designed to deflect responsibility and mislead me into believing the issue is resolved when it is not. I should not have to chase XXXX companies and multiple credit bureaus to have a settled account reported accurately. 

This matter also involves XXXX XXXX XXXX  ( the originating bank ) and XXXX XXXX XXXX ( the collector who issued my settlement letter ). While they are not selected as the XXXX primary companies in this filing, their roles and documents are attached as supporting evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM

Complaint narrative:
I am a veteran using a VA loan to purchase a home. My loan with USAA was originally locked at 6.50 %. Due to delays related to property repairs and appraisal ( not caused by me ), the lock expired. 

When I attempted to re-lock, USAA informed me I would be subject to re-lock adjustments, which included higher points and costs. However, in writing, USAA admitted : 1. There is no contractual clause in my disclosures obligating me to pay a re-lock fee.

2. The only disclosure language states that terms are subject to change after expiration, but no fee structure or penalty was disclosed.

3. Despite this, USAA refused to allow me to select from their own published market rate sheet, which as of this week advertised a 5.875 % 30-year VA loan option at XXXX points. 

I repeatedly requested either : Documentation showing contractual authority for these re-lock penalties, or An updated Loan Estimate reflecting the published market rate.

USAA failed to provide either. Instead, I was told the rate and cost you requested are not available to you for the re-lock and we can not provide documentation without the re-lock adjustments. 

In effect, USAA is : Advertising VA loan rates publicly but denying them to existing borrowers, Imposing undisclosed penalties that were never part of my signed Loan Estimate, Failing to provide transparent documentation of pricing policies, and Obstructing access to its Member Advocacy department, despite claiming my case was escalated to advocacy and the CEOs office. 

This has caused significant stress as I approach closing, and may increase my lifetime cost of borrowing by tens of thousands of dollars compared to the published rates USAA advertises.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 
Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1881i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
Please remove the following items from my credit report, immediately :

Company response to consumer: Closed with explanation