vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: TX

Complaint narrative:
I am submitting this complaint regarding a collection account XXXX XXXX XXXX that is inaccurately reported across multiple credit bureaus. The discrepancies in the reporting are as follows : Date of Last Activity : The date of last activity is inconsistent across all three bureaus.

Account Status : The account is listed as closed on Experian but appears as open on Equifax and TransUnion.

Payment Status : On Experian and TransUnion, the payment status shows collection/charge-off, while on Equifax, it shows as 120 days late.

Date Open : The date opened is reported differently across the bureausTransUnion shows a different date than Experian and Equifax.

Original Creditor : The original creditor listed is incorrect and not a company I am familiar with. The original creditor is reported as [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX ], whereas I have no records or knowledge of any such relationship. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure maximum possible accuracy in consumer reports. The conflicting information across the bureaus, including the incorrect original creditor and inconsistent dates and statuses, materially skews the accurate reflection of my credit history.

Under FCRA 1681i ( a ), I am requesting a full investigation of this account and its reporting. If this account can not be verified with accurate, consistent data across all bureaus, it must be removed from my credit file within 30 days, as required by law.

I have attached documentation supporting these discrepancies. Thank you for your prompt attention to this matter.

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 2025-04-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Love, Beal & Nixon, P.C.
State: OK

Complaint narrative:
I purchased a TV from XXXX XXXX XX/XX/XXXX. During the purchase I was told I had to carry insurance. The representative offered me their insurance under the premise that if anything happened to the TV it would be covered. When damage occurred, they failed to honor the insurance. After many failed attempts to have XXXX honor the claim I stopped payments. Shortly after they immediately went

to collections action. The contract states we would have arbitration but that too was denied. I offered in each contact to honor my debt if they would honor the insurance. After being served papers on XX/XX/XXXX for litigation I responded as directed and requested litigation in front of a judge. The matter went cold.

I am attaching my two written responses to the law firm Love, Beal, & Nixon written and sent to the XXXX XXXX XXXX XXXX XXXX as well on XX/XX/XXXX and again XX/XX/XXXX, after they sent a second letter for response. 
I learned that XXXX went bankrupt closing its stores on XX/XX/XXXX. This could be the reason I have not received a response for litigation or a response for closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: NY

Complaint narrative:
I am requesting the removal of a XXXX late payment reported by Discover on my credit report from XX/XX/year>. This occurred while I was overseas for a few weeks. I was under the impression that I had automatic payments enabled on this accounta 0 % interest balance transfer card that Ive been responsibly paying down over time. 



I received no text, email, or push notifications from Discover during this period to notify me of the missed payment. After investigating, I discovered a critical flaw in Discovers alert system : I have two Discover credit cards, one of which is frozen and no longer used. My text alerts and notifications were still tied to that old card. Discovers system does not automatically migrate alert preferences to a new active account, even though my phone number and contact info were fully registered. A consumer would have to notice and manually override alert settings to receive important account notices on the new cardwhich I had no reason to believe was necessary. This is an easily overlooked issue that created a blind spot in communication.

As a result, I had no idea I had missed a payment while abroad. I resumed payments as soon as I realized the error and have not missed one since. This is also the first and only late payment Ive had in more than 8 years of perfect credit history. I submitted a goodwill adjustment request directly to Discover, but was deniedeven though the issue was clearly not due to neglect but a notification failure caused by account settings fragmentation within their system. 



This single negative mark has severely impacted my credit score and ability to qualify for credit products. I respectfully ask that the late payment be removed or suppressed based on the extenuating circumstances, flawed communication setup, and my strong payment history. I am committed to responsible credit use and appreciate your help in ensuring that this situation is treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to request your assistance in correcting an error that is still being reported on my credit report .I recently reviewed my credit report, and i notice that the account # XXXX is being reported as late after the charge off date. according to my records this account as charged off on XX/XX/year>, and I believe this late payment status should not be continuing to report after this time. 
Account Name : XXXX  Account XXXX Charge-Off -Date : XX/XX/year> Original Creditor : XXXX I would like to respectfully request that you update the information on my credit report to reflect the accurate status of this account .Since the charge -off was processed, there should be no further late payments .Please investigate this issue and update my credit report accordingly.

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 2025-04-25 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: GA

Complaint narrative:
I am writing to request your assistance in correcting an error that is still being reported on my credit report .I recently reviewed my credit report, and i notice that the account # XXXX is being reported as late after the charge off date. according to my records this account as charged off on XX/XX/year>, and I believe this late payment status should not be continuing to report after this time. 
Account Name XXXX XXXX Account XXXX Charge-Off -Date : XX/XX/year> Original Creditor : XXXX I would like to respectfully request that you update the information on my credit report to reflect the accurate status of this account .Since the charge -off was processed, there should be no further late payments .Please investigate this issue and update my credit report accordingly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: FL

Complaint narrative:
XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX, FL, XXXX XXXX Equifax XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX : Account number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
[ Identify item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 
Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX Enclosures : Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 


Recently, the Consumer Financial Protection Bureau filed a lawsuit against Experian for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively.

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner.

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 2025-04-25 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-04-25 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-04-25 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: IL

Complaint narrative:
XXXX XXXX XXXX is violating the FCRA and my consumer report many inaccuracies on my XXXX, and Equifax reports. however according to the FCRA, consumer reports must be accurate, also the creditor and credit reporting agency must notify the consumer of this debt before reporting it to my consumer report. I did not receive this intent to collect a debt which is a violation to the FDCPA. Equifax, and XXXX  must investigate this account reporting to my consumer report it's inaccurate and it's violating the FCRA, as well as furnishing my credit report without my permission which is violating the permissible purposes of the FCRA 15 US code 1681b. I'm aware of the current sue the CFPB have against Equifax regarding not investigating disputes therefore please investigate and remove this from my report. 


Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
XXXX XXXX XXXX is violating the FCRA and my consumer report many inaccuracies on my Transunion, and XXXX reports. however according to the FCRA, consumer reports must be accurate, also the creditor and credit reporting agency must notify the consumer of this debt before reporting it to my consumer report. I did not receive this intent to collect a debt which is a violation to the FDCPA. XXXX, and Transunion must investigate this account reporting to my consumer report it's inaccurate and it's violating the FCRA, as well as furnishing my credit report without my permission which is violating the permissible purposes of the FCRA XXXX XXXX XXXX XXXX. I'm aware of the current sue the CFPB have against Equifax regarding not investigating disputes therefore please investigate and remove this from my report. 


Thank you, 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 2025-04-25 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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 non-monetary relief
Consumer complaint received 2025-04-25 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 sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bread Financial Holdings, Inc.
State: WV

Complaint narrative:
Become severely disabled and this company had become repeatedly called and harassed me and become very nasty to me and my spouse. I have told them to stop calling and they continue by changing the phone number and making there number unknown.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX  DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: ID Analytics, Inc.
State: CA

Complaint narrative:
I have submitted an online request to permanently remove security freeze from my XXXX XXXX XXXX XXXX  file and from my XXXX file on the following date : XX/XX/XXXX. Then on XX/XX/XXXX I have received a Notice of Non-Renewal from XXXX XXXX, advising me as follows : We received notice of a security freeze or identity theft alert when seeking a required consumer report associated with you or others on your policy and are unable to renew this policy unless resolved. Contact XXXX XXXX XXXX XXXX XXXX at XXXX if you wish to address these items. The above issue clearly demonstrates that, despite my online request to XXXX XXXX XXXX on XX/XX/XXXX, the Security Freeze still hasnt been permanently removed from my XXXX XXXX XXXX file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through XXXX. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section XXXX and Section XXXXrequires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions XXXX platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and XXXX of identity theft. Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within XXXX calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : XXXXFile formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General. 

XXXX.Initiate legal action for your violations of FCRA Section XXXX and for any damages sustained as a result of your unlawful reporting and failure to investigate. 

XXXX XXXXXXXX XXXX XXXXXXXX

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife or her sister or both have been getting credit cards in my name with out permission and also my wife filled income tax my w2s with out my permission

Company response to consumer: Closed with explanation