vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I want to file a complaint with the three credit bureaus regarding the inaccurate items on my credit report. I am requesting that all negative items be removed and corrected. It is important that this complaint reaches them, and that they take immediate action. If they do not respond, I will pursue legal action for the damage they have caused in my life. Attached are the letters, my ID, and other identification for your review.

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 2025-06-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
On XX/XX/year>, I filed a formal Motion to Vacate Judgment in XXXX XXXX XXXX XXXX based on defective service and lack of due process. 

One day later, on XX/XX/XXXX, Gordon, Aylworth & Tami ( GAT ) filed their own motion to vacateonly after receiving notice of my filing and a formal rebuttal with evidence of false service. 

On XX/XX/year>, the court vacated the judgment. 
But on that same day, GAT knowingly allowed my employer to garnish my paycheck, deducting {$480.00}, despite ( XXXX ) the garnishment having been previously released, ( XXXX ) the judgment being officially voided, and ( XXXX ) full awareness of my XX/XX/XXXX motion. 

GAT refused to dismiss the case with prejudice as I requested and instead asked the court to keep it open to perfect service, prolonging the case for leverage. 

Their conduct constitutes : Post-rebuttal collection on a void judgment Willful disregard for due process Violations of FDCPA 1692f ( 1 ) Unfair and abusive acts under the CFPBs UDAAP standard GATs managing attorney, XXXX XXXX, admitted via email that a garnishment payment had been received after the release was sent. The garnishment occurred anywayon the same day the judgment was vacated. 

Attached evidence includes : My XX/XX/XXXX motion to vacate Their XX/XX/XXXX copycat motion Court order ( XX/XX/XXXX ) officially vacating judgment My XX/XX/XXXX paystub showing the continued illegal garnishment Emails confirming their awareness

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: VA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: FL

Complaint narrative:
I am submitting this complaint regarding the XXXX XXXX XXXX account ending in XXXX, which is being reported negatively on my credit file. 

This account was legally paid in full for less than the full balance and closed as of XX/XX/XXXX. However, the payment history shows multiple late payments : 3 at 30 days, 2 at 60 days, and 7 at 90 days or more, with a worst rating of 120 days late. I believe these reported delinquencies are inaccurate, outdated, and unverified. 

I have previously disputed this information multiple times with the credit bureaus : On XX/XX/XXXX, I requested verification of the late payments and balances ; On XX/XX/XXXX, and again on XX/XX/XXXX, I stated that the balance had been resolved, and the account was settled in full. 

Despite these disputes, the negative payment status and derogatory marks remain on my credit profile. No proper documentation or payment history has been provided to verify the accuracy of the reporting. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be complete, accurate, and verifiable. Since this account reflects a {$0.00} past due balance and is marked as legally settled, the continued reporting of delinquencies without verification is a violation of my rights under federal law. 

I am requesting the following : That XXXX XXXX XXXX provide full documentation of all alleged late payments, including dates, statements, and breakdown of balances ; or That the account be corrected or removed entirely from my credit report if the negative information can not be verified. 

I request CFPB assistance in ensuring this account is fairly and lawfully reported. The current reporting is inaccurate and is harming my creditworthiness without justification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-25 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
" Bank of America is illegally refusing to investigate my {$580.00} dispute by demanding in-person ID verification, violating Regulation E 1005.11 ( b ). Attached : Previous dispute proof ( XX/XX/year> ) and EDD Rule 40-115.2 banning XXXX XXXX withdrawals . ''

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 2025-06-25 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 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: CA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-25 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
TRANSUNION DISPUTE LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Under the Fair Credit Reporting Act Request for Deletion of Unverifiable, Inaccurate, and Obsolete Information To Whom It May Concern : Under my rights provided by the FCRA ( 15 U.S.C. 1681i ), I am disputing multiple entries in my TransUnion credit report. These accounts are outdated, incomplete, or unverifiable and therefore must be deleted immediately. 

Disputed Accounts : XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Acct ending in XXXX Unverified charge-off still reporting through XXXX despite inactivity since XXXX. 
XXXX. XXXX  XXXX Accts ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inconsistent charge-off dates and duplicate reporting ; verification required. 
3. Other Charge-offs : XXXX, XXXX, and XXXX accounts show continuous negative updates without supporting documentation or lawful ownership transfers. 

Legal Authority : FCRA 1681e ( b ) : Accuracy obligations for credit bureaus.

FCRA 1681i ( a ) : Disputed items must be verified or deleted within 30 days.

FCRA 1681s-2 ( b ) : Furnishers must respond accurately to disputes.

You Are Required To : Provide original application contracts.

Provide itemized statements or proof of payments.

Show chain of assignment for any debt buyers.

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 2025-06-25 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$7400.00} XXXX  # XXXX XX/XX/XXXX -- {$13000.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: UT

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$4200.00} XXXX # XXXX XX/XX/XXXX -- {$3900.00} XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX -- {$7800.00} XXXX XXXX XXXX/ # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$5000.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$510.00} XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX 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 has violated my rights. EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX - XXXX XX/XX/XXXX has violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are s
uppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 shall ( i ) 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.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: WI

Complaint narrative:
XXXX/Comenity XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : ( XXXX ) XXXX Subject : Dispute of Inaccurate Charge-Off Validation Request To Whom It May Concern, I am requesting verification and correction/removal of the accounts : XXXX XXXX ( Acct ending in XXXX ) XXXX XXXX  ( Acct ending in XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/year>, I booked a vacation package through Priceline by speaking with a live agent, who clearly informed me that the entire reservationincluding hotel and flightwas fully cancellable within 24 hours. Due to immigration concerns, I called back the next day ( XX/XX/XXXX ) and canceled the entire package approximately 15 hours after booking. Despite this, Priceline refused to issue a full refund and has since claimed that the hotel portion is non-refundable, which contradicts the terms communicated at the time of booking.

On the same day I canceled, I also contacted my credit card issuer, Barclays, to dispute the charge before it was even posted to my account. Despite this timely notice, Barclays failed to block the charge and only later issued a partial and temporary refund. I believe both companiesPriceline and Barclaysfailed to act in good faith and ignored their obligations to protect me as a consumer. I am requesting CFPBs assistance in holding both companies accountable and ensuring the full removal of these charges.

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 2025-06-25 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: CA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectifytheseissues. 
Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX Date : XX/XX/XXXX To : Equifax / Experian / TransUnion Subject : Formal Dispute Inaccurate Late Payment Reporting XXXX  XXXX Account Number : XXXX Dear Equifax/Experian/Trans Union , I am writing to dispute the inaccurate reporting of late payments on my credit file for the above-referenced XXXX  XXXX account. 
The account is marked as Paid, was past due 60 days, with two 30-day late payments and one 60-day late, despite the current past due balance being {$0.00} and the account having been closed on XX/XX/XXXX. The derogatory remarks are inconsistent with the account status and are damaging to my creditworthiness. 
I previously disputed this item on XX/XX/XXXX, and XX/XX/XXXX, requesting verification of the late payments, but I have not received adequate proof substantiating these claims.

Under the Fair Credit Reporting Act ( FCRA ), I request that you : 1. Provide full documentation verifying the late payments, including : o A complete payment history from the date the account was opened, o Copies of any billing statements showing amounts due and dates marked as delinquent ; 2. If you are unable to verify this information, I request that you remove the negative payment history from my credit report ; 3. Send me a written explanation of your reinvestigation results and a corrected credit report.

If the negative reporting is not corrected or validated within the required 30-day timeframe, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore my rights under federal law.

Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation