vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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: GA

Complaint narrative:
I am writing to formally file a complaint regarding inaccurate credit reporting connected to my federal student loan account ( s ) previously serviced by XXXX. 

In XXXX, my credit reports reflected that my student loan was reported as past due/delinquent. This is factually incorrect. During that time, all federal student loans were placed into administrative forbearance under the XXXX administrations XXXX emergency relief program. Borrowers were not required to make payments, and no accounts should have been reported as delinquent. 

When I discovered this inaccurate information, I wrote to the credit reporting agencies Experian & TransUnion to dispute the error. Despite my efforts, the delinquency remains on my credit reports. I have attached copies of my dispute letters and supporting documentation. 

This issue is particularly concerning given that XXXX the loan servicer responsible for this reporting has since exited the student loan servicing business and has been accused of fraudulent and deceptive practices in multiple lawsuits and settlements. Their history of misconduct raises further doubt about the integrity of their 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 explanation
Consumer complaint received 2025-09-26 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: NJ

Complaint narrative:
It was a data breach on trans union and I'm trying to purchase a house in this messing up my credit. It was a data breach.

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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
They have been calling my phone while at work harassing me and I'm a XXXX driver with no time for the distractions. This debt was garnished from my checks almost 2 years ago now and I have proof of it. Why can they contact me without proof that I owe anything??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: NAVY FEDERAL CREDIT UNION
State: NJ

Complaint narrative:
My information was involved in a data breach and I'm requesting that the companies involved to please delete from my credit report. I have sent out dispute letters to ask that the companies assess/remove the inaccuracies associated with my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Capital Bank XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Billing Dispute Department, I have been a Saks Fifth Avenue

card holder and loyal customer for more than two decades. Im writing this letter to dispute a recent transaction on my
Saks Fifth Avenue card that I believe was theft. 

On XX/XX/year> I made an online purchase on the XXXX XXXX XXXX XXXX website and ordered a diamond necklace with a purchase price in the amount of {$3800.00}. Order number of this transaction was # XXXX. 

The necklace was to be delivered at my home via XXXX  and require a signature for a hand delivery. However, the hand delivery did not occur and the box was left outside my front porch. 

On XX/XX/year> a the box was delivered and left outside my house without signature or hand delivery occurring. When I picked up the box outside and brought it inside I noticed that the red tape seal had been broken and another clear tape had been placed above the original red tape seal.

I found that odd but quickly looked inside the box for the necklace I had ordered.

There was no necklace inside the box. Instead what I found was a XXXX XXXX  too small and definitely not what I had ordered. 

I immediately called the merchant XXXX XXXX XXXX XXXXXXXX to inform them of the missing merchandise. I subsequently had numerous conversations with the customer service team at XXXX XXXX XXXX XXXX and filed several complaints and requests for investigation of this theft. 

The investigation department at XXXX XXXX XXXX XXXX never contacted me during these investigations but instead simply gave me the same canned answer that since the box was delivered then that was enough proof that the necklace was delivered entact. However, when I reiterated that the merchandise was not in the box delivered their customer investigation team said that wasnt their problem. That was a XXXX  problem. 

However, when I called XXXX XXXX XXXX XXXX they refused to file a formal claim and instead insisted that they had already filed one disregarding my explanation of the claim process XXXX  had just detailed to me. 

This has been an extremely frustrating and stressful situation for me as a retired person I have very limited resources and can not pay for something I never even received I am formally requesting that you look into this fraud and theft that I have been a victim of. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
XXXX XXXX has tried since XXXX of XXXX to collect {$150.00} that was associated with my Mother. My Mother Passed Away in XXXX of XXXX. It was HER FINAL BILL. I initially tried to assist XXXX XXXX  by contacting them to return equipment. They tried to tell me I had to request a return label through my account. I DID NOT HAVE an ACTIVE account with dish. The last account I had with them was at least 5 years prior to my Mother 's passing. THEY WOULD NOT SEND a return label so I could send back their equipment. In XXXX of XXXX, after sending XXXX statements to me on my XXXX behalf, they sent it to a collection agency. I had to DISPUTE it on all XXXX credit bureaus and it was removed from them all. This month ( XX/XX/XXXX ), I noticed that this was on my credit reports again because it was purchased apparently by another CREDIT COLLECTION AGENCY AMSHER COLLECTION SERVICES. It dropped my XXXX XXXX XXXX XXXX  with experian! I would like whatever fines or other punishment that can be done to be applied to DISH and I want them to STOP TRYING TO COLLECT MY DECEASED MOTHERS BILL FROM ME. I DO NOT WANT TO HAVE TO DISPUTE ON MY CREDIT REPORTS ANYMORE.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing this complaint because TransUnion is reporting inaccurate and unverifiable information on my credit report. On XX/XX/year>, I identified several accounts that I believe are either outdated, not mine, or can not be verified under the Fair Credit Reporting Act ( FCRA ). 

Please delete the following accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX  XXXX XXXXXXXX XXXX Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal I submitted a formal dispute to TransUnion requesting that these accounts be fully investigated and removed if not verified with proper documentation . However, I did not receive a meaningful investigation or verification, and the inaccurate information remains on my report.

I am requesting the CFPB 's assistance to ensure TransUnion complies with federal law, specifically sections 1681i ( reinvestigation of disputed information ) and 1681b ( permissible purpose ). My goal is to have any unverifiable, inaccurate, or unauthorized accounts permanently deleted from my file.

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 2025-09-26 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:
I have maintained a record of consistent on-time payments, and this reported late payment is not representative of my behavior. I request its prompt removal after investigation.

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 2025-09-26 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: IL

Complaint narrative:
TransUnion LLC ( credit bureau ) and XXXX XXXX XXXX XXXX XXXX XXXX ( furnisher ). 
Tradeline : XXXX XXXX XXXX XXXX XXXX account XXXXXXXX XXXX XXXX  ( account beginning XXXXXXXX XXXX XXXX XXXX .TransUnion reports Account Type : Revolving Account, but Loan Type : Installment Sales Contract. This contradiction affects utilization and is misleading. TU also shows 30-day lates in XX/XX/year> and XX/XX/year>, yet the grid around those months lacks consistent Past Due/ Actual Payment / Scheduled Payment amounts while still coding XXXX. TU lists Last Payment Made XX/XX/year> for {$160.00} and Date Updated XX/XX/year>, but Pay Status remains Account 30 Days Past Due Date. If the payment cured the account or it was closed, the tradeline should reflect Current/Paid as Agreed or Paid/Closed {$0.00} past due. TU also reports a Credit Limit of {$3800.00} and High Balance {$3700.00} while labeling the loan as installment, which is improper for an installment contract. 

Why this is unlawful/misleading : FCRA 1681e ( b ) : failure to maintain maximum possible accuracy ( misclassification ; late codes without supporting amounts ; inaccurate status post-update ). 

FCRA 1681i ( Section 611 ) : unreasonable reinvestigation when confronted with internal contradictions.

FCRA 623 ( a ) ( 5 ) : disclosure of the Date of First Delinquency ( DOFD ) to prevent any re-aging.

Metro 2 : Payment History Profile must align with Past Due / Actual Payment / Scheduled Payment ; classification ( installment vs revolving ) must be accurate so utilization is not misrepresented.

Actions taken : I submitted a reinvestigation/MOV request asking for ACDV/AUD copies, the Metro 2 fields relied on ( Account Type/Portfolio, Account Status, Payment History Profile, Past Due Amount, Actual Payment Amount, Scheduled Monthly Payment Amount, Credit Limit/Original Amount, Date Closed , DOFD ), and furnisher contact. I can provide highlighted TU screenshots and proof of the XX/XX/year> payment. 

Impact : These inaccuracies depress my credit score and hinder access to credit. 

Requested outcome ( summary ) : Correct classification ; remove any unsupported XXXX late codes ; update post-payment status accurately ( Current/Paid as Agreed or Paid/Closed {$0.00} ) ; cease reporting a Credit Limit if this is an installment loan ; disclose the DOFD ; or delete the tradeline if each field can not be substantiated under FCRA 611 ( a ) ( 5 ).

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 2025-09-26 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: Early Warning Services, LLC
State: TX

Complaint narrative:
I am formally disputing fraudulent and inaccurate information appearing in my consumer files with XXXX  and Early Warning Services. I am a victim of multiple data breaches in which my personal information, including my Social Security number and financial details, was unlawfully exposed. This has resulted in identity theft and the fraudulent misuse of my information, causing serious harm to my consumer reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : Accounts : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

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 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ZWICKER & ASSOCIATES
State: CA

Complaint narrative:
They have been calling my phone while at work harassing me and I'm a XXXXXXXX XXXX with no time for the distractions. This debt was garnished from my checks almost 2 years ago now and I have proof of it. Why can they contact me without proof that I owe anything??

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: TRUIST FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX To : Consumer Financial Protection Bureau Subject : Complaint Against XXXX Reporting of Non-Existent Account I am filing this complaint against XXXX  XXXXXXXX XXXX XXXX XXXXXXXX for knowingly publishing inaccurate and unverified information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Background * I disputed an account reported by Regional Acceptance Corporation that appears on my XXXX credit file. 
* Regional Acceptance responded to the CFPB that they can not locate any account in my name. A copy of this response is attached. 
* Despite this official response, XXXX continues to report the account as valid and has even updated it with different information after my disputes.

Violations 1. Failure to Conduct Reasonable Investigation : XXXX  is continuing to publish an account that the furnisher itself states does not exist. This shows XXXX  is not investigating but merely updating unverified information.

2. Failure to Delete Inaccurate Information : Under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), XXXX  is required to delete information that can not be verified. Instead, they are maintaining and modifying the tradeline.

3. Willful Noncompliance : By ignoring the furnishers admission of no account found, XXXX  is willfully violating federal law. 
XXXX XXXX XXXX and XXXX XXXX This is not merely a legal technicality. I was forced to surrender the vehicle due to chronic illness. Since then, I have suffered XXXX XXXX  and a XXXX XXXX. 
I require access to essential medical equipment and medications, but my ability to obtain credit has been denied because XXXX  continues to report this false tradeline. This inaccurate reporting has placed my health, safety, and life in jeopardy. 
Requested Resolution * Immediate permanent deletion of the disputed Regional Acceptance tradeline from my XXXX credit report. 
* Written confirmation of removal.

* Assurance that no unverified or inaccurate information will be reinserted without strict compliance with FCRA reinsertion rules. 
Respectfully, 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 2025-09-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is operating on record of repeated data breaches in mismanagement of my Credit profile violating both FIDUCIARY obligations and federal mandates under the fair credit report act and Graham Leach Billey act. Due to those breaches, they no longer have a lawful authority to publish any derogatory or adverse data tattoo to me. That includes collections charges false payment, history and accounts there were never authorized .. therefore Navy Federal credit union needs to delete this derogatory account off my credit report immediately in the amount of {$26000.00}. 15 USC code 1681 I ( a ) ( 5 ). You have no right to delay deletion of unverifiable or breach account beyond the time of notification. I also want immediate blocking on FCRA605B due to suspected identity compromise stemming from their known data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation