vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-29 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: TX

Complaint narrative:
The Office of the Attorney General ( OAG ) is furnishing inaccurate child support information to the credit bureaus, including Experian. My credit report shows a past-due balance of {$110000.00} and reports the account as delinquent, even though this is incorrect. I have made regular payments toward my child support obligation through electronic transfers, which can be verified with my attached payment proof. 

I disputed this tradeline directly with Experian, but they closed the dispute stating, Investigation complete, reported by data furnisher, without providing verification or documentation from the OAG. This violates the Fair Credit Reporting Act ( FCRA ) Sections 607 ( b ) and 623 ( a ) ( 2 ), which require the credit bureaus and data furnishers to ensure maximum possible accuracy and correct or delete any disputed information that can not be verified. 

The inaccurate reporting is harming my credit and misrepresents my payment history and balance. The data furnisher has not corrected or verified the account despite being notified multiple times. 

Requested Resolution : I am requesting that the CFPB require the credit bureaus and the Office of the Attorney General to delete this inaccurate child support tradeline from all consumer reporting agencies or, alternatively, correct it to reflect a {$0.00} balance and accurate payment history. I also request written confirmation once this has been completed.

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 2025-10-29 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
Im noticing my place rewards credit card account was closed. Im assuming it was due to me not using it recently, I was planning to use it for the holiday season! Ive never been late, my credit score is in the XXXX. I was never notified of it being closed or close to being closed as a courtesy and now this is affecting my credit! I am formally requesting for this action to be reconsidered and my account to be reopened. I would like your investigation team or risk department to reconsider their actions on my account as I have been a good and loyal customer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: GA

Complaint narrative:
Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue. 
Account Details : XXXX. XXXX  XXXX Account Number : XXXX - XXXX. XXXX XXXX Account Number : XXXX - XXXX. XXXX Account Number : XXXX - XXXX. XXXX Account Number : 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 2025-10-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MOHELA
State: TN

Complaint narrative:
I have no recollection of having a school loan. The school loan amount is for {$7700.00}. This is my first time trying to resolve the matter because it is damaging my credit.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-30 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:
My information was exposed in the equifax data breach. I recently reviewed my credit report and noticed that these accounts do not belong to me or is listed under inaccurate personal information that also is not mine. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX The related inquiries as well. Please refer to the uploaded documents for more information!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TX

Complaint narrative:
My information was exposed in the equifax data breach. I recently reviewed my credit report and noticed that these accounts do not belong to me or is listed under inaccurate personal information that also is not mine. The following accounts are XXXX XXXX XXXX XXXX XXXX XXXX XXXX The related inquiries as well. Please refer to the uploaded documents for more 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 2025-10-29 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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: MI

Complaint narrative:
Inaccurate reporting on all XXXX credit bureaus and discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XX/XX/year>, I tried to use my debit card and it was deactivated without my permission. I called the customer service number numerous times a was told your account is in review and a hold. I never done anything wrong and need my money back. I have over {$6400.00} in checking. I was told you will know the status on XX/XX/year>. I was inconvenience by citizen bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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:
Remve my report and file since I am a victim of identity theft and didnt authrize. Remve my file to mak correctins to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-29 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: GA

Complaint narrative:
Remve my report and file since I am a victim of identity theft and didnt authrize. Remve my file to mak correctins to 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 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: FL

Complaint narrative:
Sofi Bank- I had a transaction that was not authorized on my account. The transaction happened around XXXX and immediately I saw the notification I called the bank at XXXX only to be told that there is nothing they can do until the transaction post to the account and its not in pending status. The next day it posted and I called again. I filed a dispute and was told that they would investigate and will reach out to be within 5-7 business days. In less than 24 hours I received a notification that they denied the dispute because they didnt detect any fraudulent activity!!! I am your customer and you are supposed to protect me from these things. As a customer I am telling you that I did not authorized this transaction. I did not!!!! So what do I do now? So that person got away with taking my money and my bank just laughs and says it wasnt fraud? Is this how you treat your customers? Is this how you protect your customers? It was a XXXX XXXX transaction. I have no idea who this recipient is and much less never even been to that part of the world. This is horrible service. I moved really quickly and did everything I was supposed to do so that my bank can protect me and instead they said oh well there is nothing we can do and we will not credit back your money. So what do I do? Whoever that person is got away with taking authorized funds and my bank said its not fraud!!! Never felt so insecure of a bank. For everyone this is really important before you choose a bank. You want a bank that is there for you and protects your funds and this is not one from my experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LJ Ross Associates
State: FL

Complaint narrative:
I am filing this complaint against L J Ross & Associates for falsely reporting inaccurate information on my credit report. This collection agency is claiming that they purchased a debt from XXXX  XXXX XXXX XXXX ( XXXX ) and that I owe them, which is not true. 

The original creditor ( XXXX ) confirmed that this account was sold to XXXX. XXXX, XXXX on XX/XX/year>, and I have documentation proving this including written confirmation from XXXX and my active payment plan with XXXX. XXXX. XXXX. XXXX  is already reporting the same account on my credit report, which means L J Ross is fraudulently taking ownership of an account that I am currently paying through another collection agency.

In addition to the false reporting, L J Ross has been harassing me in violation of federal consumer protection laws. Their actions have caused unnecessary stress and harm to my credit profile. 

The credit reporting agencies are also in violation for allowing this form of double jeopardy and failing to properly investigate the matter despite the clear evidence that this account is already assigned and being paid through XXXX. XXXX.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 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: MI

Complaint narrative:
The following two XXXX XXXX Bank accounts are being reported inaccurately and with no permissible purpose : 1. Account # 1 Opened XX/XX/XXXX, limit {$300.00}, closed XX/XX/XXXX, balance {$130.00}. 
2. Account # 2 Opened XX/XX/XXXX, limit {$500.00}, charged off XX/XX/XXXX, balance {$170.00}. 

My XXXX  XXXX bankruptcy was discharged on XX/XX/XXXX, before either account was opened, meaning neither was part of the bankruptcy estate or discharge. Reporting them as charged-off or derogatory violates FCRA 604 ( a ) ( lack of permissible purpose ) and 607 ( b ) ( failure to ensure maximum possible accuracy ).

These accounts also show contradictory payment histories and appear to be duplicated across multiple bureaus. All third-party data sources ( XXXX, XXXX, XXXX, XXXX  ) are under active security freeze, making lawful verification impossible. 

I request : 1. Permanent deletion of both XXXX XXXX Bank tradelines. 
2. Documentation of the verification source used under 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 non-monetary relief
Consumer complaint received 2025-10-29 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:
I am reaching out to request the CFPBs assistance in ensuring that the Transunion properly process and investigate the dispute I submitted regarding multiple items on my credit report. After reviewing my file, I found several accounts and data that appear to be inaccurate, incomplete, or inconsistent, and I outlined those concerns in a detailed dispute letter. This complaint is to make sure the credit bureaus fulfill their responsibilities under the Fair Credit Reporting Act ( FCRA ) by giving my dispute the attention it deserves. I expect a full investigation into each item I listed, not just a generic response or verification without review. The information in question has a direct impact on my financial standing, and it is essential that my credit file reflect only accurate and complete information. My dispute letter, attached to this complaint, provides a clear breakdown of what needs to be reviewed and corrected.

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 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report contains collection accounts that I believe are inaccurate. Under 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, they 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 non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Velocity Portfolio Group
State: MI

Complaint narrative:
Inaccurate reporting on all XXXX credit bureaus and discrepancies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: LA

Complaint narrative:
I was recently denied credit for a Mortgage Loan, following my denial I ordered my Annual Credit Reports from the 3 Major Credit Reporting Agencies EQUIFAX, TRANSUNION, and EXPERIAN  and to my findings I am aware that I am VICTIM OF IDENTITY THEFT, I am listing all FRAUDULENT ACCOUNTS IN THIS COMPLAINT AND PER MY RIGHTS I REQUEST THIS INFORMATION BE BLOCKED PURSUANT TO SECTION 605B of the Fair Credit Reporting Act.. Enclosed you will find Identity Verification and list of accounts fraudulently opened

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Zap Solutions, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX  locked and permanently XXXX my account for no reason after I made XXXX profit. They now are withholding my money including my initial deposits which is majority of the portfolio. They withheld saying it will be available on the XXXX of XXXX. Now they are saying it will be withheld for XXXX  Days for review to decide if they can give me my money back which majority of my money was deposited from my own bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: UPGRADE, INC.
State: GA

Complaint narrative:
On XX/XX/year>, I took out a personal loan from Upgrade , Inc. in the amount of {$19000.00}. Shortly after, I made a lump sum payment of {$10000.00} and provided explicit instructions for this payment to be applied toward both principal and interest. Not only did Upgrade , Inc. ignore my directions, but they also applied the funds in a manner inconsistent with my wishes.

When I discovered this, I immediately contacted Upgrade , Inc. to rectify the error. They opened a support ticket but ultimately refused to correct how my payment was applied, despite having clear instructions from me at the time the payment was made. To make matters worse, Upgrade , Inc. has since threatened to report me to the credit bureaus, even though the dispute remains unresolved and the misapplication of the payment was entirely due to their failure to follow my instructions. 

I have made numerous attempts to resolve this issue directly with the company, but every interaction has been met with either indifference or outright hostility. The representatives have been overly aggressive, dismissive of my concerns, and consistently unhelpful. At no point in my loan agreement does it state that I am prevented from dictating how lump sum payments are to be applied. 

I am extremely displeased with Upgrade, Inc.s conduct. Their refusal to properly apply my payment is not just unfair, it borders on bad faith. I am requesting the CFPBs intervention to ensure my lump sum payment is properly applied according to my explicit directions and that Upgrade , Inc. ceases any threats of negative credit reporting until this matter is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
They close XXXX ir XXXX  years ago my checking account, for no reason, Then in XX/XX/XXXX XXXX i opened a bussiness bank account in bank of America XXXX XXXX XXXX, I deposited {$1000.00} and nect day they closed my account and hold {$500.00} they i called them and they told me they close cause my account was in risk!! And they give my information without my authorization to XXXX parts bouros like XXXX, they cant do that without my authorization, i need my money back soon as possible, thank for your help

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 monetary relief
Consumer complaint received 2025-10-29 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Convergent Account has violated my rights, Hard Inquiries : XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Late payments to remove : XXXX XXXX : XXXX and XXXX. XXXX XXXX XXXX XXXX section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 
15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2025-10-30 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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