vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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 submitting this complaint because I believe several items on my credit reports are being reported inaccurately and need to be investigated and corrected. I have attempted to resolve these issues directly with the credit bureaus, but the results have been unsatisfactory. I am requesting the Consumer Financial Protection Bureaus assistance in ensuring each bureau conducts a full, fair, and reasonable reinvestigation in compliance with the Fair Credit Reporting Act ( FCRA ). 



Disputed Accounts : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/year> Charged Off I do not believe this account is being reported accurately. I have not received proper validation of this alleged debt, and I am requesting a full reinvestigation and verification of the account, including the original creditors supporting documentation. 

If the account can not be verified with full documentation, it should be removed from my report. 

Late Payments : XXXX, Account # XXXX XXXX, Account # XXXX These accounts are showing late payments that I do not believe are being reported accurately. I am requesting verification of the payment history from the original creditor. If accurate documentation can not be provided, I request these late marks be removed. 

Inquiries : No unauthorized inquiries reported on Equifax at this time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally dispute a late payment entry that has appeared on my credit report. The report indicates a late payment in my credit report, which I strongly believe is erroneous and not verified. Throughout my financial history with the financial agencies I am doing business with, I have consistently met all payment deadlines without fail. Therefore, the presence of this late payment is undoubtedly a result of a billing error on the part of the creditor. I request a thorough investigation into this matter to verify the accuracy of the reported late payment and urge for its prompt correction. It is imperative that such inaccuracies are rectified swiftly, as they impact my financial standing and credibility. I have contacted the financial agencies in the last more than 30 days to seek clarification but I got no response because this is erroneously reported for they have provided NO PROOF that there was a REAL late payment. Your immediate attention to this matter is greatly appreciated.

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 2025-11-25 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: Experian Information Solutions Inc.
State: VT

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error 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 2025-11-25 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: V and H Portfolio
State: KY

Complaint narrative:
Issue : A collection agency, Vance & Huffman Collections, reported a loan debt that does NOT belong to me on XX/XX/year>. I never had a loan with this company or the original creditor. This false reporting caused my credit score to drop significantly.

Details : On my credit report, Vance & Huffman Collections reported a loan debt under my name. I have never opened a loan with them, and I have no relationship with this company. This is inaccurate, fraudulent, and a violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

I disputed the account with all three credit bureaus and requested a debt validation from XXXX XXXX. As of now, the account has not been validated, and the negative item remains on my report. 

I am requesting the CFPBs assistance to force XXXX Collections to : XXXX. Provide complete validation of the alleged debt or XXXX. Remove this account from all credit bureaus immediately This false account has caused financial harm, including a major drop in my credit score. 

Requested Resolution : Remove the Vance & Huffman Collections account from my credit reports immediately, and ensure the company ceases all collection activity for a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-11-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Control, LLC
State: CA

Complaint narrative:
recentley after checking my XXXX credit report I found collection Account from Credit Control LLC XXXX XXXX XXXX XXXX XXXX, This is fraudulent ACCOUNT AND COLLECTION.

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 2025-11-25 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: GA

Complaint narrative:
I am submitting a dispute for the following accounts that are currently reflected on my credit report. I request that these accounts be reviewed for accuracy and updated accordingly. 
Charged-Off Accounts : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: TX

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-25 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$12000.00} - Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am filing a complaint regarding the account reported by TD Bank N.A. ( TD Retail Card Services ) XXXX. This account continues to report inaccurate and unlawful information across all three credit bureaus, despite previous disputes. The account reflects a past-due balance of {$10000.00}, even though the credit limit was only {$11000.00}, which raises concerns about accuracy and compliance with FCRA 623 ( a ) ( 1 ) ( A ) requiring furnishers to report information that is complete and accurate. 

The creditor remarks claim that the dispute was resolved, but no method of verification was ever provided, which violates FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). The account was never marked as disputed during previous investigations, violating FCRA 623 ( a ) ( 3 ). Additionally, the reporting shows inconsistent Date of Last Activity, Date Reported, and Status information, which is considered inaccurate and misleading under FCRA 607 ( b ) ( maximum possible accuracy ) and creates a significant negative impact on my credit profile. 

This furnisher has failed to validate the accuracy of the account and continues to report unverifiable information. I am requesting an immediate reinvestigation and verification of all data being furnished. If TD Bank N.A. can not provide original documentation proving the accuracy of the account ( including signed agreement and itemized breakdown ), I am requesting that the account be permanently deleted from all credit bureaus in accordance with FCRA 611 ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NJ

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Braviant Holdings, LLC
State: OH

Complaint narrative:
XXXX disclosed I was being charged with Bank XXXX to my daughter. I called the company & requested loan agreement/acct # /original debtor. They said I could only get that info once I appeared before a judge in XXXX XXXX court. Demanded {$1500.00} settlement by XX/XX/XXXX ( they received this " claim '' in their office on XX/XX/XXXX )... or I would be liable for {$2100.00} + court costs. They said if I could pay {$980.00} by Friday, It could be cleared. I only had {$200.00} which I gave thru them with my bank card. I feel this is aggressive collecting tactics. 

The company wouldn't give info regarding the debt. Only said it was " XXXX XXXX ''. collection company is " Civil Process Administration '' c/o XXXX XXXX XXXX XXXX XXXX North XXXX XXXX XXXX FL XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: MI

Complaint narrative:
I am filing a dispute regarding the following accounts reported by TransUnion. I believe the accounts listed below are inaccurate and require further investigation and correction : CHARGED OFF : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00}

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 2025-11-25 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: AL

Complaint narrative:
XXXXI am disputing several items on my TransUnion credit report that appear inaccurate or incomplete. Please investigate the following accounts and correct or delete them if they cannot be verified:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI dispute the accuracy of these accounts under the FCRA and request verification. Items that cannot be verified should be removed from my credit report.'

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 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I deposited a {$38000.00} XXXX cashiers check into my Bank of America business checking account on XX/XX/XXXX. After the deposit, the bank issued an availability schedule that clearly showed {$6700.00} would be available on XX/XX/XXXX, with the remaining balance available on XX/XX/XXXX. 

On XX/XX/XXXX, Bank of America modified the schedule and removed the {$6700.00} release date without any explanation. The new schedule shows all funds being held until XX/XX/XXXX. 

When I contacted the bank to understand why the availability schedule was changed, I received multiple contradictory explanations, including : * Check XXXX be returned * Chase has not released the funds yet * XXXX did release the funds but BOA has not received them * The funds are somewhere in transit * The hold might be related to overdrafts * The check is too big * The account has had overdraft history * Chase confirmed the funds would be available XX/XX/XXXX * A representative also stated there was no record that the schedule was ever modified, despite the original schedule showing a partial release These explanations can not all be true. 

After asking for escalation under Regulation CC, Bank of America opened a case : XXXX. 

When I asked the supervisor to provide the factual basis for the check may be returned exception under Regulation CC 229.13, she stated that the bank does not have to tell me the reason, which contradicts federal law requiring banks to disclose the specific facts supporting an exception hold. 
I also requested the supervisors employee ID to document the call, due to the inconsistent explanations. Her ID # is XXXX I specifically requested : The factual reason for the extended hold The original availability schedule from XX/XX/XXXX The record of the hold modification The internal determination for the check XXXX be returned exception Confirmation from XXXX regarding the status of the cashiers check Bank of America refused to provide this information. 

I believe the exception hold and the modification of the availability schedule were applied improperly and without documented justification. 

I am requesting that Bank of America be required to : Provide the original hold notice and modification record Provide the factual basis for the exception hold Review the deposit under Regulation CC Correct any improper application of the hold and release funds as appropriate. 

I respectfully request that the CFPB XXXX this matter, XXXX Bank of America to provide the documentation I requested, and ensure that the bank complies with all Regulation CC requirements and corrects any improper application of the exception hold.

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 2025-11-25 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to formally dispute the inaccuracies in my credit report provided by Equifax. The information contained in my credit file is incorrect, and I request that the disputed items be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below is a detailed account of each item that I am disputing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Status : Open Balance : {$210.00} Disputed Information : The account status is reported as " negative '' and " in dispute. '' However, this account should be reported as paid as agreed. There is no verification of payment or delinquency. This violation of FCRA Section 605 mandates accurate reporting. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open Balance : {$16000.00} Disputed Information : This account is inaccurately showing as " Late Over 120 Days, '' even though the payments have been made on time. This misreporting is a violation of FCRA Section 607, which requires creditors to report accurate information. 
XXXX. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Status : Open Balance : {$940.00} Disputed Information : The account is incorrectly marked as " negative. '' It should be listed as " paid as agreed '' or " in good standing. '' FCRA Section 607 ensures that data furnishers report accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 am disputing the following items on my Equifax credit report. These items appear to be inaccurate, and I am requesting a full reinvestigation and removal of anything that can not be verified in accordance with FCRA standards. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Transunion and XXXX have numerous wrong names and address 's on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) as evidence supporting my identity theft claim. 
As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent HARD INQUIRIES AND PERSONAL INFORMATION that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent HARD INQUIRIES AND PERSONAL INFORMATION from my credit report. 
HARD INQUIRIES : XXXX ) XXXX XX/XX/2024 XXXX ) XXXX XX/XX/2024 XXXX ) XXXX XX/XX/2024 XXXX ) XXXX XX/XX/2024 XXXX ) XXXX XX/XX/2024 XXXX ) XXXX XX/XX/2024 PERSONAL INFORMATION : WRONG NAME : XXXX ) XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MY XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX MY CURRENT EMPLOYED IS : XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation