vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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:
Dear Sir/Madam, I am submitting this complaint to dispute inaccurate and unauthorized information currently appearing on my TransUnion credit report. As a consumer, I am entitled to fair, accurate, and verifiable credit reporting under the Fair Credit Reporting Act. 

Charged-Off Account XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Date Reported : XX/XX/XXXX I dispute the accuracy and reporting of this charged-off account. TransUnion is required under FCRA 1681e ( b ) to ensure maximum possible accuracy. If this account can not be fully validated and substantiated, it must be deleted from my credit file. 

Unauthorized / Unverified Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX I do not recall authorizing these inquiries. Any inquiry reported without a valid permissible purpose violates FCRA 1681b. If TransUnion can not verify authorization, these inquiries must be removed. 

Late Payment Reporting XXXX XXXX  Account Number : XXXX This account is reporting a late payment that I dispute as inaccurate. If TransUnion can not verify the late payment with complete and accurate records, it must be corrected or 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 non-monetary relief
Consumer complaint received 2025-12-18 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: IL

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 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 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I opened a credit card through XXXX XXXX XXXX to pay for dental services totaling {$850.00} back in XXXX of XXXX. The card was promoted as having an XXXX no interest offer. I made all required minimum payments on time throughout the promotional period. 

After the promotional period ended, the issuer charged {$350.00} in interest retroactively from the date of purchase. I was not aware that this was a deferred-interest promotion, nor was I clearly informed that interest would accrue from the beginning and be added if the balance was not paid in full. 

I did not receive any reminder or warning that the promotional period was ending or that such a large interest charge would be applied. The nature of the promotion and the consequences were not clearly explained at the time of enrollment. 

I am requesting that this interest charge be reviewed and removed or adjusted, as I believe the promotion was confusing and not adequately disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-18 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: FL

Complaint narrative:
Multiple accounts are being mixed into my credit file that do not belong to me and are clearly associated with another individual. I have never opened, authorized, or managed these accounts, and I have no connection to them. Their inclusion under my name is completely unacceptable and results in inaccurate and misleading information being reported about my financial history. I take my credit profile very seriously, and this type of mixed-file error is deeply concerning.

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 2025-12-18 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:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports.If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and i demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
- Call 1 ( XX/XX/year> - XXXX XXXX ) : Initial unauthorized contact by Williams & Fudge , Inc . 
- Call 2 ( XX/XX/year> - XXXX XXXX. ) : I spoke with a Williams & Fudge , Inc. representative andverbally revoked all consent, stating " Stop calling me. '' The agent explicitly stated they would " keep calling '' regardless of my request. 
- Call 3 ( XX/XX/year> - XXXXXXXX XXXX  ) : This call was placedaftermy revocation, confirming the Williams and Fudge agents threat to intentionally defy federal law. 
- Call 4 ( XX/XX/year> - XXXX XXXX ) : I initiated this call for the sole purpose of exercising my legal right to debt validation. During this call, I requested a written validation notice for thealleged {$1200.00} debtand reiterated that all future correspondence must be via U.S. Mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a solar loan serviced by GoodLeap that finances a defective solar system installed by XXXX. 

The solar system has been underperforming by approximately 30 % since XX/XX/year>, as confirmed by XXXX technician. Despite this, GoodLeap has continued to demand full payment, refused to formally mark the loan as disputed, and has not provided payment suspension or fee relief while the underlying product remains defective. 

I provided written notice to GoodLeap that the system is defective and that the loan is in dispute. Nevertheless, GoodLeap continued collection activity and withdrew funds from my bank account after I revoked authorization and canceled automatic payments. This withdrawal was unauthorized. 

GoodLeap representatives have repeatedly stated that they are only the finance company and have declined responsibility, despite the loan financing a product that is not functioning as represented and has not been repaired within a reasonable time. 

As a result, I have suffered significant financial harm, including paying a solar loan for a nonfunctional system while also paying increased electric bills. I am requesting CFPB assistance to require GoodLeap to properly mark the account as disputed, refund the unauthorized debit, suspend payments and fees, prevent negative credit reporting, and address loan cancellation due to the defective financed product. 

This complaint is filed in parallel with arbitration and does not waive any contractual or legal rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-12-18 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: TX

Complaint narrative:
I am filing this complaint as a consumer who is actively reviewing and attempting to correct inaccurate and unverifiable information being reported on my credit reports by the three major credit reporting agencies : XXXX XXXX XXXX TransUnion. 
The following accounts and items appear to contain incorrect, outdated, or unverifiable information. I am requesting a reinvestigation and correction or deletion of all items listed below pursuant to the Fair Credit Reporting Act ( FCRA ), specifically sections 602A, 607 ( b ), and 611. 
Charged Off Accounts : XXXX, Account # XXXX Date : XX/XX/XXXX Balance : {$530.00} XXXX, Account # XXXX Date : XX/XX/XXXX Balance : {$500.00} XXXX  XXXX, Account # XXXX Date : XX/XX/XXXX Balance : {$1900.00} XXXX, Account # XXXX Date : XX/XX/XXXX Balance : {$4100.00} Inquiries : XXXX  Date : XX/XX/XXXX Late Payments : XXXX, Account # XXXX Multiple late payments reported ; please verify accuracy. 

XXXX, Account # XXXX XXXX payment reported ; please verify accuracy. 

Request : Please perform a full reinvestigation and provide documentation proving each items accuracy and reporting compliance. Any unverifiable data must be deleted per FCRA 611.

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 2025-12-18 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: LA

Complaint narrative:
I am writing again in reference to a prior dispute I submitted, for which I have not received any proper response or seen any updates on my credit report. After continued monitoring of my report, the inaccurate information I previously disputed still remains unchanged. At this point, I must assume that a proper investigation was not conducted, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 611 ( a ) ( 6 ) ( B ) ( iii ).

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am writing to formally request validation of a collection account referenced in a recent letter I received. Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), I am asking your office to provide proper documentation verifying that this debt is valid. 

This includes the name of the original creditor, the total amount owed, a complete payment history, and proof that I am legally responsible for the account. I am making this request to confirm that the information being reported is accurate and not the result of an error, misunderstanding, or fraudulent activity. Until full validation is provided, I request that all collection efforts and credit reporting related to this account be suspended, as permitted by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: AL

Complaint narrative:
I am submitting this dispute statement to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate and incomplete credit reporting. Please address the following issues for each respective credit bureau. These accounts are being disputed due to inaccurate reporting, including misreporting of balances, incorrect dates, or unsubstantiated charges. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$3800.00} XXXX  Account Number : XXXX Date Opened : XX/XX/2022 Balance : {$6600.00}

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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: LendingPoint Holdings LLC
State: CA

Complaint narrative:
I received a loan for XXXX dollars in 2023. I made several payments before becoming XXXX and unable to pay. They sold the entire loan without payments deducted to a third party who now calls me up to XXXX times a day harrasing me at work and through email

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: WA

Complaint narrative:
Per my last complaint, Seen, through XXXX XXXXXXXX XXXX closed my credit card and the head of customer service, XXXX XXXX, sent me a letter saying all fees and interest accrued since account opening ( I never used the account and still have no idea how this was opened ). About a month after my initial complaint, Seen reported to Experian that a new account was opened with them, despite me having evidence otherwise that my account was closed and could not be reopened for any reason.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I went to TD bank to open an account with a U.S. Passport, bank statement, social security card, and debit card from an existing bank. I was told that the statement from my bank could not serve as proof of address. I asked why I couldn't use a bank statement as proof of address and was told that because the bank did not have any physical branches it could not be used. I advised that many banks like XXXX are entirely online and that not having a brick and mortar location should not serve as a reason for denial as such denial would seem arbitrary. As a XXXX man I believe that the inability to use a bank statement as proof of address would be discrimination especially since the bank used is frequented by many XXXX Americans due to the inability to open a traditional bank account. Beyond a XXXX Statement I provided the profile for my XXXX XXXX XXXX XXXX XXXX account and she stated that it would not work because they did not have a physical location. I advised she was wrong as they have plenty. Then she advised a current statement would be required. I was unable to open an account. 

I spoke with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: IL

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 explanation
Consumer complaint received 2025-12-18 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: OK

Complaint narrative:
I HAVE NEVER BEEN LATE ON THE ACCOUNTS LISTED AS DELINQUENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I got scammed by what I thought was an instagram help center rep ( I had XXXX XXXXXXXX help center and called the number ). They told me my account had issues because it had been hacked and used it crypto transactions and even walked me through instagram troubleshooting. I was fully convinced and did everything he said including transferring {$4100.00} from my checking into my XXXX. I was convinced by the scammer that all of that alleged transactions were bit coin and they needed to be voided. I ended up sending {$4200.00} worth of bit coin and by the time I had realized I was scammed it was too late. I called my bank and told them what happened already and went in person immediately after and told one of the employees what I did ( privately ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
his is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
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