vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Ensure that accounts in dispute are removed quickly as prescribed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: NV

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: GA

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 explanation
Consumer complaint received 2025-10-24 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX  XXXX XXXX  Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: CCS Financial Services, Inc.
State: AL

Complaint narrative:
ssue Type : Debt Collection Attempted to collect wrong amount / debt already paid What happened : XXXX XXXX XXXX XXXX ( XXXX ) placed a fully paid utility account ( Account # XXXX ) for my property at XXXX XXXX XXXX, XXXX FL XXXX with Credit Control Services ( CCS ) for collection. The account was closed on XX/XX/XXXX and paid in full on XX/XX/XXXX. Despite this, CCS continues to report the account as open on my credit reports. 

I was never contacted or notified by either XXXX or CCS before the debt was reported. XXXX had my correct mailing address, phone number, and email, but sent one final bill only to the disconnected service address, where I never lived and never received mail. 

This violates : 15 U.S.C. 1692g ( a ) ( FDCPA ) failure to provide required notice and 30-day dispute window before collection.

15 U.S.C. 1681s-2 ( a ) ( FCRA ) furnishing inaccurate or unverified information to credit reporting agencies. 

The inaccurate collection entry has already harmed my otherwise perfect credit and affected my ability to refinance an investment property. 

What Ive done : Filed complaints with the Florida Public Service Commission, Florida Attorney General, and Massachusetts Attorney General. 

Disputed the item with XXXX, XXXX, and XXXX. 

Obtained a Paid in Full letter from XXXX confirming the accounts resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing a hard inquiry from XXXX XXXX XXXX dated XX/XX/year>, on my XXXX credit report. I did not authorize this inquiry and have no record of initiating any application or transaction with this creditor. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, a consumer reporting agency may only include inquiries in my credit file with my consent. Additionally, under 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures to ensure the accuracy of the information they report. Since this inquiry was not authorized by me, I request its immediate removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-24 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

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 2025-10-24 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: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Around XX/XX/year> a credit card was opened by XXXX XXXX XXXX in my name without my knowledge after I repeatedly told the sales representative I was not interested in paying {$6000.00} with a credit card. I want a copy of the actual f application to prove I did not apply for a credit card. I was never mailed a credit card. Have the last 4 numbers off credit card bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: TN

Complaint narrative:
XX/XX/year> The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name is XXXXXXXX XXXX XXXXXXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Tennessee XXXX The following previous addresses are wrong : Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
Incorrect Address - XXXX XXXX XXXX, XXXX, TN, XXXX - The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX XXXX XXXX The following personal information is incorrect - Please delete this from my credit report. 
EMPLOYER - XXXX - XXXX following personal information is incorrect- Please delete this from my credit report. 
Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. 

Thank 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 non-monetary relief
Consumer complaint received 2025-10-24 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:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 2025-10-24 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: WA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : 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 2025-10-24 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: MI

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: SC

Complaint narrative:
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. 
XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 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  Balance : {$0.00} Therefore, the following accounts must be deleted from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXTransUnion LLCXXXX XXXX XXXX XXXX XXXX Dispute of Inaccurate Accounts & Data Breach Impact\n\nDear TransUnion,\n\nI am writing to dispute the accuracy of the following negative accounts appearing on my TransUnion credit report:\XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnThese accounts are inaccurate, incomplete, or unverifiable. Additionally, I was a victim of the XXXX  TransUnion data breach, which may have compromised my personal information and contributed to these errors.\n\nUnder the Fair Credit Reporting Act (FCRA), I request that TransUnion conduct an immediate investigation and verify each of these accounts with full documentation from the original creditors. If any account cannot be verified as accurate, please delete it immediately from my credit report.\n\nPlease confirm the results of your investigation and send me an updated copy of my credit report once completed.\n\nSincerely,\nBenua Hernandez'

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 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: UPGRADE, INC.
State: TX

Complaint narrative:
In the year XXXX, my husband and I filed for chapter XXXX bankruptcy. We listed a company called Upgrade in our debts old and when we went to the court hearing this company did not show up for the hearing and the XXXX debts to this company Upgrade were discharged. After the bankruptcy was discharged the company Upgrade sold our accounts to 2 different debt collection agencies. One of the agencies was XXXX XXXX and the other was called XXXX XXXX. I disputed this discrepancy and inaccuracy with all three credit bureaus more than XXXX plus times. I also sent the credit bureaus supporting documents that this debt had been discharged and that it was illegal to go against the bankruptcy discharge orders and sell this account to a 3rd party to collect this debt. All of my efforts were futile. I continued to receive harassing emails and letters from both companies XXXX XXXX and XXXX XXXX to collect on this debt. I advised them several times to contact my bankruptcy attorney, XXXX XXXX and also gave his office information along with his office address but I continued to be contacted. I am now putting in a complaint because I know my consumer rights and this company is reporting these accounts on my credit report and it is damaging and hurting my family and we are not able to make necessary purchases. I also have supporting documents to show that these two accounts have been deleted from my credit report at one point and now they are reappearing which I also believe violates my Consumer rights. I am asking that you please remove these XXXX XXXX originated accounts from my credit reports permanently and expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

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 non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/year> I called Capital One to make a payment plan for my past due balance. Ive been receiving emails from capital one since my account is overdrawn but have asked for different payment plans that were easier for me since Im currently unemployed. I was told the amount owed which was {$230.00} and I was able to make the payment on the XXXX I was not informed my mail, email or even on the phone that my account had already been closed. If I wouldve had that information I wouldnt have made the payment because Im unemployed and that money couldve gone somewhere more important. Capital One shouldve informed me prior of the account closure or shouldve allowed me to reopen an account since I wasnt aware of their policy or at least they couldve refunded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account Name : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting validation of the alleged debt they claim I owe, which you are reporting as a collection account opened on XX/XX/XXXX, with a first delinquency of XX/XX/XXXX. 

Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ( b ) ), please provide the following within 30 days : 1. A copy of the original contract or agreement bearing my signature.

2. A complete account history showing all charges, payments, and credits.

3. Documentation showing XXXX XXXX legal right to collect and report this debt.

4. The name and address of the original creditor and date of first delinquency.

Until this validation is provided, you must cease all collection activity and credit reporting related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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 kindly ask for the removal of this incorrect entry from my credit report. This account was not authorized or acknowledged by me. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
Formal FCRA 611 Dispute Re-Aged and Inaccurate Accounts I am disputing the accuracy of the following accounts on my XXXX  credit report, pursuant to my rights under 15 U.S.C. 1681 ( FCRA 611 ). 

XXXX XXXX XXXX XXXX  shows as closed with a {$520.00} charge-off. 
Jefferson Capital Systems ( Account opened XX/XX/year> ) : reports the same {$520.00} balance as a new collection.

This appears to be the same debt reported twice and/or re-aged in violation of FCRA 605 and 623 [ 15 U.S.C. 1681c and 1681s-2 ].

I request deletion of any unverifiable or duplicate entry within 30 days as required by FCRA 611 ( a ) ( 1 ) ( A ).

Please provide : 1. Verification of the original creditor and date of first delinquency ; 2. All documentation used to verify the Jefferson Capital entry ; 3. Written confirmation once deletions or corrections are complete.

Company response to consumer: Closed with explanation