vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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:
This complaint is filed by XXXX XXXX XXXX, XXXX on behalf of XXXX XXXX, against Transunion and Department of Education XXXX XXXX for reporting false and contradictory credit information. Transunion shows multiple XXXX student loan accounts as 90 Days Late as of XX/XX/year>, while those same accounts are listed as In Good Standing with 100 % on-time payment history. This inconsistency is impossible and violates the Fair Credit Reporting Act ( FCRA ) accuracy requirements. 

XXXX XXXX submitted a written dispute to Transunion on XX/XX/year>, but the bureau has failed to investigate or correct the false information. These actions represent willful noncompliance with FCRA 611 and 623 ( b ). The false reporting has harmed XXXX XXXX credit score and reputation. 

We request the CFPB investigate and order Transunion and XXXX to delete all inaccurate 90 Days Late entries, confirm the accounts as current, and improve their reporting controls to prevent future violations. 
DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATION/XXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATION/XXXX XXXX, DEPT OF EDUCATIONXXXX XXXX & DEPT OF EDUCATIONXXXX 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 non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge 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: U.S. BANCORP
State: TX

Complaint narrative:
I have US Bank XXXX Credit card ending in XXXX. I filed a dispute against XXXX  for {$300.00} ( dispute # XXXX ) by calling them over phone. It is going thru the same way as the previous dispute for Car rental ( XXXX  ) for which I have to file multiple CFPB complaints. Latest one CFPB complaint XXXX submitted on XXXX XX/XX/year>. 
This is always the problem here is how US Bank kills the customers dispute 1. First delay the process 2. No way customer is able to upload the document 3. Then Customer is actually fighting with US bank rather than the merchant ( with disputed transaction ) 4. Then US Bank closes the dispute 5. Customer has to file CFPB complaint I want to make sure US Bank, take care of the customer dispute rather than waste time. 

Overall very inefficient and inept bank. Called customer service and talked to Representative and his supervisor XXXX XXXX XXXX -who has no solution to offer.

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 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am the holder of a XXXX XXXX XXXX credit card iss

ued by Bread Financial. Two unauthorized transactions appeared on my account from XXXX XXXX XXXX in the amounts of {$4000.00} and {$860.00}. 
I filed a fraud dispute, but Bread Financial denied my claim, stating that the card was under my control. This conclusion is incorrect. 

I provided clear supporting evidence, including account statements, screenshots, and an official police report ( filed with the XXXX XXXX XXXX Sheriffs Office confirming credit card fraud ). 
Despite this, the bank refused to reopen the investigation or issue a credit. 

I request that CFPB review this case and require Bread Financial to conduct a proper investigation, reopen my dispute, and reimburse the unauthorized charges totaling {$4800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
After receiving notice from Equifax that my personal information was compromised in a confirmed data breach, I discovered multiple unauthorized and fraudulent accounts appearing on my credit report. I immediately contacted Experian, TransUnion, and Equifax to dispute these accounts and submitted documentation supporting that these debts were not incurred by me. 

Despite my disputes, all three credit bureaus verified the information without providing any supporting documentation from the furnishers. This failure to properly investigate and validate the accuracy of these accounts violates : 15 USC 1681i ( a ) ( 1 ) : Duty to conduct a reasonable reinvestigation 15 USC 1681e ( b ) : Duty to ensure maximum possible accuracy 15 USC 1681i ( a ) ( 7 ) : Right to a description of verification procedures 15 USC 1692g and 1692e ( 8 ) : Duty of furnishers to validate debts and not report false information The continued reporting of these fraudulent accounts has caused significant harm, including denials of credit, emotional distress, and financial hardship. Experian, TransUnion, and Equifax have failed to comply with federal law by allowing unverifiable and inaccurate information to remain.

I respectfully request that the CFPB compel the credit bureaus and furnishers to provide full validation of each disputed account or immediately delete them from my credit reports to restore the integrity of my consumer file. 

Unauthorized Accounts Listed Below : XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
This is a collection that needs to be removed from Credit Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
This complaint serves as my XXXX follow-up complaint regarding the inaccurate late payment reporting on my credit file for the account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Despite multiple prior disputes, the account continues to reflect false late payment entries for XX/XX/XXXX ( 30 days ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), XX/XX/XXXX ( XXXX ), and XX/XX/XXXX ( XXXX ). These notations are inaccurate and do not reflect my true payment history.Under FCRA 15 U.S. Code 1666, I am exercising my right to have billing or reporting errors corrected promptly and fairly. Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), you are required to conduct a reasonable reinvestigation of any disputed information to determine its accuracy. Furthermore, FCRA 623 ( a ) ( 2 ) obligates furnishers to correct and update any information found to be incomplete or inaccurate once notified of discrepancies.Depite my previous submissions and supporting documentation proving timely payments, this account continues to inaccurately report late payments, which unjustly harms my creditworthiness. I am therefore demanding immediate reinvestigation and correction, with all erroneous late notations removed from my credit file without further delay.

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 2025-11-12 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: TN

Complaint narrative:
I discovered several unauthorized accounts, inquiries, and public record entries appearing on my consumer credit reports with Equifax,. These accounts and inquiries were opened or accessed without my knowledge or consent. I have never given written, verbal, or electronic authorization for these entities to obtain or report my information. 
This fraudulent activity has caused damage to my credit profile, affected my financial reputation, and created unnecessary emotional and administrative burden as I work to clear these inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AR

Complaint narrative:
Hello, I am submitting this complaint regarding a late payment reported on a recently opened account that requires correction. The account in question is reported as late, but the reporting does not accurately reflect the terms or payment history at the time of opening. I am requesting that the credit reporting agency conduct a thorough investigation and update the account to reflect the correct status in compliance with the FCRA. Please provide written confirmation of the actions taken and an updated credit report reflecting the correction. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I am sending to file a formal and urgent dispute regarding the inaccurate late payment history being reported on my XXXX account. The current reporting reflects multiple late payments between XXXX and XXXX ; however, these reported delinquencies are not supported by factual or verifiable payment records. The creditor has repeatedly and inconsistently reported escalating late statuses ( XXXX, XXXX, XXXX, and 120 days late ) despite active payment arrangements and timely payments being made. These entries are duplicated, misdated, and grossly misleading, creating a false representation of my payment behavior and creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 607 ( b ), credit bureaus are legally obligated to maintain only accurate and verifiable information. Furthermore, under FCRA 611 ( a ), once a consumer disputes an item, the credit reporting agency must conduct a thorough reinvestigation and delete any unverifiable or inaccurate data 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 2025-11-12 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: Exeter Finance, LLC.
State: GA

Complaint narrative:
Customer requested an extension on current loan. Extension was submitted and decision to be made within XXXX hrs. Customer told by representative that no late payment will be noted on account if payment was received before XX/XX/year>. Payment submitted and confirmed receipt of on XX/XX/year>. 30 day late was entered showing account 30 days late as of XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/year> JPCMB CARD added a hard inquiry on my credit file without my consent i tried resolving and asking why did it happened i got this twice and i came to know it happened XXXX times and i never sign up for their card ever second inquiry is on XXXX XX/XX/year> which is also without my consent, so i would like to get these inquiries removed because i did not authorized them to get my credit report. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
TD bank initially posted a fraudulent balance transfer charge on my credit card account on XX/XX/year>. I called to dispute it the same day. They initiated an investigation and posted a temporary credit of a total of {$1100.00} on my account while an investigation was taking place. The investigation was completed and they reposted the fraudulent charges back to my account finding me responsible on XX/XX/year>. I don't own any of the account numbers where the charges went to, never gave permission, or initiated the transfers. I contacted TD bank on XX/XX/year> and they told me the investigation was complete and it wasn't found in my favor. The dispute would be resubmitted for the investigation team to review. TD has failed to implement proper policies, procedures, and protections of my account. From my perception on how the merchant transactions were handled with food quality I was dissatisfied with as referenced in complaint XXXX, then posting fraudulent charges on my account, TD bank has XXXX in bad faith and violated the law of proper consumer protections. It's caused extreme undue emotional duress as well with how the situations were handled inappropriately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-12 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: World Omni Financial Corp.
State: GA

Complaint narrative:
{$2200.00}. The debt was sold to a debt collection when the car was paid off In full through XXXXXXXX XXXX company and gap coverage. Was a victim of a total lost. I have requested a cease and desist several times but the company fail to provide or reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TekCollect Inc.
State: TX

Complaint narrative:
In XXXX of XXXX, I started process of getting XXXX  XXXX  from XXXX XXXX XXXX. I received the aligners and began treatment in mid XXXX. In late XXXX, XXXX  XXXX sent an email informing all customers that they had filed for bankruptcy and restructuring, but would still be operating and providing services to customers. In XXXX, I received a email stating that they would be going out of business and that I would need to find a new provider or orthodontist and their satisfaction guarantee would not be voided. As a result, I discontinued using the first set of aligners that day because I did not want to continue using them without having a board certified orthodontist manage my treatment and to provide the agreed-upon services. I recently received a collection letter from TEK collections. Unfortunately, XXXX  XXXX turned this account over to TEK Collection services, which eventually reported the lack of payment to the credit bureaus and my good credit has been adversely affected. I reached out to the company to request the derogatory mark be removed, and they have not responded. I disputed the report with the bureau and have not heard back as of yet. I have also requested a validation of the debt from TEK Collect and have not received it. Please see the attached documentation that shows the dates of the aligners, emails from XXXX XXXX about the bankruptcy, and payments made. XXXX Collections alleged that I owe them {$2000.00}. I should not be responsible for the remaining debt for services that I never received as contractually agreed upon between myself and XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: AR

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXXXXXX 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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP
State: GA

Complaint narrative:
Subject : XXXX  Reporting Inaccurate/Fraudulent Account I am filing this complaint because XXXX  is reporting an account that is inaccurate and/or fraudulent. 

I previously disputed this account directly with XXXX  on XXXX, XXXX, but the item remains on my credit report despite my providing documentation showing it is not valid. 

The account in question is listed as : Creditor/Company Name : Elan XXXX I believe this reporting violates the Fair Credit Reporting Act ( FCRA ), as XXXX  failed to reasonably investigate and correct or delete the disputed information. 

I request that XXXX  remove this inaccurate/fraudulent account from my credit report and provide me with written confirmation once corrected. 

I am attaching copies of my previous dispute correspondence and any supporting documentation ( e.g., police report, identity theft affidavit, or proof of fraud ). 

Thank you for your assistance in ensuring this matter is properly resolved.

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 2025-11-12 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: TX

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief