vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
This is about bread financial ( used to be XXXX XXXX  ) victoria secret credit card. I set up a payment arrangement through their collections department to get my account back in good standing. That was back in XXXX was assured after they scheduled my payments out for me to have them auto withdrawn from my account that once the final payment came out. My account would be caught up in good order. I called yesterday to see why my account wasnt back in good standing. I was told and understood by several representatives that something was set up wrong. Had to be transfered to collections to see what happened. Got transfered and half the time the line went dead. Had to call repeatedly they told me that its automated if it isnt fixed after that night that they would manually fix it. Checked this morning. Account got worse. I still accumulated late fees even though i paid as asked. I did what they wanted to get me caught up. I felt lied to and absolutely cheated out of the arrangement we had. I called and recieved several representatives that either didnt understand the issue or they understood but werent able to solve the issue. XXXX representative offered to fix XXXX late fee of {$41.00} but that was supposed to be fixed anyways so it wasnt really a favor to me. Eventually after a bunch of back and forth she transfered me to escalation dept. And talked to the supervisor where i dont remember her name but she was the most unprofessional people ive ever met. Her attitute and failure to even listen to what i was saying happened. She talked over me complained that i was repeating myself and going in circles when the information just wasnt getting through to her. By the end of the call i told her to just go ahead and cancel my card because I was not ever gon na be disrespected by someone who clearly needs a new job. The unprofessionalism lost them a card holder.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
CFPB XXXXomplaint Identity Theft & Credit Reporting Violations Consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Issue Summary I am a victim of identity theft. My credit reports with Experian, Equifax, and TransUnion contain fraudulent accounts, unauthorized inquiries, and inaccurate personal information. Despite submitting an FTC Identity Theft Report, notarized affidavit, and supporting documents, the credit bureaus have not promptly blocked or deleted this information as required by the Fair Credit Reporting Act ( FCRA ).

Companies Involved Credit Reporting Agencies : Experian, Equifax, TransUnion Furnishers/ Collectors : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX fraudulent {$710.00} collection XXXX  XXXX XXXX XXXX {$490.00} account with inaccurate late history Creditors/ Inquiry Sources : XXXX XXXX XXXX, and other unauthorized/duplicative inquiry reporters Disputed Items XXXX  Account System ( XXXX XXXX ) : {$710.00} collection no signed contract or validation. 
XXXX  XXXX XXXX : {$490.00} unsecured account inaccurate and unverifiable late payment history. 
Unauthorized hard inquiries : XXXX XXXX XXXX, and other creditors no permissible purpose under FCRA 604 ( a ). 
Inaccurate personal information : Multiple false names and outdated addresses XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). 
Violations of Law FCRA 605B : Failure to block fraudulent information within 4 business days.

FCRA 609 & 611 : Right to disclosure and reinvestigation not honored.

FCRA 623 ( a ) ( 6 ) : Furnishers prohibited from re-reporting blocked identity theft d
ata.

FCRA 615 ( f ) : Prohibits sale or transfer of debts caused by identity theft.

FDCPA 809 ( b ) : Collectors must validate d
ebts prior to reporting.

Desired Resolution Immediate blocking and permanent deletion of all fraudulent accounts, unauthorized inquiries, and inaccurate personal information from Experian, Equifax, and TransUnion.

Written confirmation of deletions within 30 days.

Assurance that no fraudulent debts will be
reinserted, sold, or transferred to other collectors.

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 2025-09-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
My car was repossessed on XXXX XXXX by XXXX XXXX XXXX XXXX. My finance company is Consumer Portfolio Services. My vehicle was operating on XX/XX/year> before the repossession took place. I have never had issues with the gear shift in my vehicle. I paid the current balance due including repossession fee and reinstatement fee. I booked an appointment to pick up my vehicle and property. My appointment was scheduled for XX/XX/year>. I arrived to the tow yard at XXXX and filled out necessary paperwork to pick up my vehicle. The employee walks over to the vehicle but she returns to me without the vehicle. I instantly thought she would give me bad news due to the fact that she wasnt driving my car to me. She asked me about a security code and a spare key. I insisted that I only had XXXX key which was the key that I was given when I purchased the vehicle. She told me that the gear was stuck in park and that the tow yard closes at XXXX. She said that I could come later or I could return on Thursday. I called my financed company and voiced my opinion. I immediately voiced my concerns and elaborated on the issues I was facing regarding the vehicle and the repossession agency. The representative told me that I would have to file a claim with the repossession agency. So, I filed a claim on XXXX. I have been reaching out to the finance company for 4 days. The situation has come to a halt. The representative insists that they have been reaching out to the agency regarding the matter, but they havent gotten a response yet. He insisted that it usually did not take this long to receive an update. It is going into week XXXX and to keep getting the same update that the agency has not gotten back with him yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
I respectfully ask that these wrong accounts be deleted from my credit report immediately as I never authorized their inclusion there. Can you please remove this incorrect information from my records right away. Kindly remove and block them. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: EQUIFAX, INC.
State: IL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: MD

Complaint narrative:
This company refuses to remove their account from my credit report. It indicates that the account is closed. However, when I contacted them, they said I would have to contact a third party named XXXX XXXX. The representative would only say they outsource, but wouldn't give any more information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I am writing to dispute inaccurate personal information currently listed on my credit report. Upon reviewing my report, I found incorrect details under my personal profile, such as outdated or unfamiliar names, addresses, phone numbers, and/or employment history. 
I have not used or been associated with some of the information listed, and the presence of these inaccuracies could result in misidentification, confusion with other individuals, or even potential fraud. I have already submitted requests for correction and provided documents to verify my true and current information, yet the errors remain unresolved. 
These inaccuracies are not only misleading but could also impact future credit decisions. Under the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all personal information in my credit report is accurate and up to 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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSNCP is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSNCP is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
CFPB I have made this compliant for XXXX straight. With Experian, Equifax, and Transunion. You also have the same compliant in your data base because I filed with you just as many times as these financial institutions. 

Transunion, Equfifax, and Experian are not allowed 30 days, 45 days or 60 days. 

Why??? 

I wrote each company XXXX letters apiece. 
A dispute letter A verification letter A validation letter A resolution letter to solve matters. 

BY LAW OF THE UNITED STATES CONGRESS AND FTC. THEY ARE ONLY ALLOWED 15 DAYS TO RESPOND. 

IT NOW HAS BEEN OVER 30 DAYS!! 

I KNEW THIS WOULD HAPPEN SO I HIRED TWO CONSUMER LAWYERS. 

THE ONLY THING I ASKED THESE COMPAIMES WAS TO PROVIDE PROOF THEY SENT ME A NEGATIVE INFORMATION NOTICE IN COMPLIANCE WITH XXXX CODE XXXX XXXX AS THEY ARE REQUIRED BY FCRA LAW BEFORE PUTTING DEROGATORY REMARKS ON MY CREDIT REPORT. 
ITS BEEN YEARS THEY HAVENT PROVIDED PROOF. 
OR MAIL TRACKING OF DATES. TIMES, AND THE NAME OF INDIVIDUALS AT THEIR COMPANY WHO MAILED IT. 
THE TRUTH IS THEY CAN NOT PROVIDE PROOF BECAUSE THEY NEVER MAILED THE NEGATIVE INFORMATION NOTICE AS REQUIRED BY LAW.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: VA

Complaint narrative:
Re : Account Does Not Belong to Me [ Creditor Name : XXXX XXXX Account XXXX To Whom It May Concern, The account reported as above is not mine. Reporting false information violates the Fair Credit Reporting Act ( 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 non-monetary relief
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXXXX/XX/XXXX, Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$100.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$420.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$590.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2400.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$12000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$15000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$420.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
This morning, I checked my credit report only to find that unauthorized inquiries are still there, and I am beyond frustrated about this. I tried refreshing my browser thinking it was just a glitch, but nothing changed. I urgently need you to go over the documents I submitted and take immediate action so I never have to deal with this stress again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: NY

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ). See attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ). See attached

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 2025-09-12 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: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation