vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-28 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:
The disputed information is not consistent with my actual financial practices. I ask that it be reviewed and amended.

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 2025-11-28 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: MI

Complaint narrative:
I am writing to formally dispute several accounts listed on my Equifax credit report that I believe are being inaccurately reported. Below are the details of the accounts in question : Charged Off 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-28 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccuracies on my credit report. Below is a summary of the accounts in dispute, separated by bureau. 

Charged Off : XXXX XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$220.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$210.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, XXXX : {$8000.00} XXXX XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, Balance : {$9400.00} XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, XXXX : {$7900.00} XXXX XXXX, Account XXXX. XXXX, Opened : XX/XX/XXXX, Balance : {$19000.00} XXXX  XXXX XXXX, Account No. XXXX, Opened : XX/XX/XXXX, Balance : {$920.00} Inquiries : XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MO

Complaint narrative:
The bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
Please consider this letter my formal dispute of the referenced accounts. I am not associated with them and did not authorize their establishment. I kindly request their prompt removal and a comprehensive review. Supporting documentation is enclosed for your consideration.

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 2025-11-28 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: NV

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-28 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: PA

Complaint narrative:
I checked my credit report again and these inaccurate accounts are still appearing, even though they were supposed to be taken off. I am begging for the documents I attached to be looked over carefully because I can not keep dealing with this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
XXXX XXXX sold my husband and I a defective vehicle on XX/XX/XXXX, in the amount of XXXX. A couple of the months after purchasing the vehicle, we start having engine issues : powering train failure, yet we maintained a study on time payment in the amount of {$680.00}. Several months later, we had to have a second motor put in the vehicle, because the one they put in was no good. As a result, we still made on Time payments of {$680.00} monthly. Moving forward, in the month of XX/XX/XXXX, we asked to trade the vehicle in for the value left on the XXXX or they could come and pick the truck up as a voluntary repossession because the vehicle was not operative. 

We called approximately XXXX times randomly to see if we could get another vehicle, we kept getting the runaround being transfered to different agents on the phone and so we waited to receive their returned call. Additionally, we have several recordings with the conversation of agents stating they would get back in touch with us, but they never did instead they repossessed the vehicle on XX/XX/XXXX, Thursday XXXX early in the morning before my XXXX XXXX. I had XXXX on my XXXX XXXX  for XXXX XXXX  and XXXX XXXX. as it is, I have no way to get back and forth for my physical therapy or doctor 's appointment unless I call a XXXX. 

As a result of trying to resolve this issue with the XXXX XXXX and XXXX XXXX, we are requesting that XXXX XXXX XXXX XXXX delete this repossession from our credit reports, so that we may obtain another vehicle. a copy of our report is proof that we did our best to maintain our contract with XXXX XXXX and XXXX XXXX, but they refuse to resolve the issue. We have a unfair repossession on our credit reports. 

sincerely, Complainants

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: AZ

Complaint narrative:
I am filing this complaint regarding inaccurate and/or unverifiable information being reported on my credit reports with XXXX Experian, and XXXX. I have attempted to resolve these disputes directly with the credit reporting agencies, but the information continues to appear incorrectly. I am requesting that the Consumer Financial Protection Bureau assist in investigating and ensuring my rights under the Fair Credit Reporting Act ( FCRA ) are upheld. 

Charged Off Accounts XXXX XXXX Account XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$0.00} This account shows a charged off status despite reflecting a {$0.00} balance. This is inconsistent and misleading. Please verify and correct or remove if unverifiable. 

XXXXXXXX XXXX  Account XXXX XXXXXXXX Date : XX/XX/XXXX Balance : {$1100.00} I am disputing this account as I do not have sufficient records confirming its validity. Please provide full validation from the original creditor. If the account can not be verified, it must be deleted under FCRA 611. 

Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I am disputing these inquiries as I do not recall authorizing credit applications with these companies. Please investigate and remove any inquiries determined to be unauthorized. 

Late Payments XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX I request verification of any reported late payments. If the creditor can not validate with proper documentation, the late notations should be removed.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 non-monetary relief
Consumer complaint received 2025-11-28 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: PA

Complaint narrative:
I am submitting this dispute for several accounts that I believe have been inaccurately reported on my credit report. Below are the details for the accounts in dispute. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1400.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$690.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$510.00} XXXX XXXX XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$390.00} Inquiries : TU : XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Account Number 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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over XX/XX/XXXX days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within XX/XX/XXXX days. If they fail to do so, these items must be removed from my report. 

As more than XX/XX/XXXX days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-28 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/2025 I was approached by XXXX young XXXX men in the parking lot of XXXX XXXXXXXX XXXX XXXX XXXX XXXX. They said they were raising money for the family of a XXXX XXXX XXXX boy who had been shot and killed. 
I offered them {$25.00} cash. They said they couldn't accept cash and needed a credit card to process the donation. I gave them my XXXX XXXX card which they swiped on a phone. 
As I walked away from them, I got an uneasy feeling. I went home and immediately checked my XXXX XXXX account on line. Sure enough, there were XXXX pending withdrawals for {$4000.00} each. 
I immediately called XXXX and told them what had happened. They canceled the card and told me the XXXX fraudulent charges of {$8000.00} would be removed from my account and they would send me another card. 
About XXXX weeks later, I received the new card. 
Yesterday morning, I received an email from XXXX notifying me of an upcoming payment due with a minimum of {$100.00}. I was shocked as I knew it wasn't possible as I don't use that card very much. I clicked through on the email and discovered the {$8000.00} had been reinstated on my account. 
I called XXXX and told them this was a huge error. After being on hold for over XXXX minutes, passed to one representative after another, I was told I had to speak to someone in investigation. I am transferred over to that department and promptly get disconnected. I call back and a woman told me that because XXXX  days had passed since the theft occurred, I couldn't file a complaint. 
First off, I knew nothing about that XXXX  day window! Once I had reported the fraud back in XXXX, the charges were removed. I thought this was over. 
Not by a long shot. The bank is telling me I am now responsible for these charges. 
It's worth mentioning that the XXXX withdrawals from my account should have raised a red flag or XXXX. I never have put that amount on a credit card.

Company response to consumer: Closed with explanation