vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
I am formally disputing the accuracy and reporting compliance of the following items listed on my credit report under FCRA 607 ( b ), 611 ( a ), FDCPA 807, Metro 2 guidelines, and considering data breach risks disclosed in the XXXX XXXX XXXX ) and TransUnion ( XXXX ) security failures. 
XXXX. XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX XXXX * * Reported as : Closed Collection/Charge-Off Past Due : {$110.00} Violation : Reporting a charge-off with a balance contradicts Metro 2 Format ( 97 status must reflect {$0.00} balance ), violating FCRA 607 ( b ) and Metro 2 field rules.

Lacks full 24-month payment history ; missing or inconsistent Payment Rating. 
XXXX. Hard Inquiries Not Tied to Open Accounts : XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Violation : Inquiries not associated with any active accounts ; per FCRA 604, no permissible purpose established. Risk compounded by TransUnion data breach ( 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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below is a list of the addresses that I would like to have permanently deleted : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 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: AL

Complaint narrative:
I am filing this formal complaint against Experian, Equifax, and TransUnion for violating the Fair Credit Reporting Act ( FCRA ) by reporting an unverified late payment mark on my credit reports associated with XXXXXXXX XXXX  ( Account No. XXXX ). The credit bureaus failed to ensure the accuracy of this information and ignored my disputes, despite the furnishers ( XXXXXXXX XXXX  ) lack of evidence to validate the delinquency. Summary of Violations Failure to Reinvestigate Disputed Information ( 15 U.S.C. 1681i ) : The credit bureaus did not conduct a proper investigation after I disputed the late payment mark. XXXX XXXX has not provided proof of : Notification of the first delinquency, as required by the FCRA. Verification of the late payment, including copies of billing statements or proof of delivery of notices. Reporting Inaccurate and Unverifiable Information ( 15 U.S.C. 1681e ( b ) ) : The late payment remark lacks substantiation. US Bank can not demonstrate compliance with 15 U.S.C. 1666b, which mandates that creditors must mail periodic statements 21 days before the payment due date to treat a payment as late. Failure to Notify of Negative Information ( 15 U.S.C. 1681s-2 ( 7 ) ) : XXXX XXXX never provided written notice before reporting the late payment to credit bureaus, violating my right to dispute the information beforehand.

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 2025-10-27 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: MO

Complaint narrative:
This letter serves as a formal dispute under my rights granted by the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Metro 2 compliance guidelines. I am disputing the accuracy and validity of the following items listed on my credit report : 1. Collections / Charge-Offs / Derogatory Items Your report includes entries marked as collections, charge-offs, or derogatory without verification or proper Metro 2 formatting. These entries may violate : o FCRA 607 ( b ) : Maximum possible accuracy o FCRA 611 ( a ) ( 1 ) ( A ) : Reasonable investigation o FCRA 611 ( a ) ( 5 ) : Deletion of unverifiable information o XXXX  XXXX TransUnion Data Breaches : Increased identity theft risk 2. Inquiries Not Tied to Positive Accounts I noticed multiple inquiries on my report that are not linked to any open or positive accounts, which constitutes a violation under : o FCRA 604 ( a ) ( 3 ) : Permissible purpose requirement o FDCPA 807 : False or misleading representation These inquiries, listed without associated active accounts, must be removed as they lack permissible purpose or documentation : Creditor Unknown - XX/XX/XXXX Creditor Unknown - XX/XX/XXXX Creditor Unknown - XX/XX/XXXX Under FCRA 611, you are required to conduct a reasonable reinvestigation and respond within 30 days. Failure to comply may result in complaints to the CFPB, FTC, and legal action under FCRA 616 and 617.

If you can not verify these accounts with full Metro 2 compliance including DOFD, ECOA codes, and status matching, you must delete them entirely.

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 2025-10-27 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: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
This complaint is filed against SOUTHWEST RECOVERY SERVICES , INC. for willful and negligent violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq. ), and the Consumer Financial Protection Act ( 12 U.S.C. 5531 ).

SOUTHWEST RECOVERY SERVICES is reporting an inaccurate and unverified collection account to the credit bureaus without proper validation or documentation to prove the legitimacy of the alleged debt. This reporting has caused significant harm to my credit profile, and the companys failure to comply with federal requirements constitutes unlawful conduct under both the FCRA and FDCPA.

Account Information Name of Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$53000.00} This account is being reported as a collection account, but SOUTHWEST RECOVERY SERVICES has not provided any documentation or validation that proves the existence, ownership, or accuracy of the alleged debt.

I have never received any validation notice, itemized statement, or proof of debt ownership as required under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ]. Additionally, the company has failed to demonstrate a permissible purpose for reporting this alleged account to the consumer reporting agencies, in violation of FCRA 604 ( a ) and 623 ( a ) ( 1 ) ( A ).

Continuing to report a debt that has not been validated is a direct violation of FCRA 607 ( b ) ( failure to maintain maximum possible accuracy ) and FDCPA 807 ( 8 ) ( false or misleading representations through credit reporting ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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 hope this letter finds you well. I am writing to request your assistance in updating certain accounts reported on my credit file. After reviewing my report, I identified information that appears to be outdated or inaccurate. I kindly ask that my credit report be corrected to ensure it accurately reflects my current financial standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: MI

Complaint narrative:
I had a total of XXXX on cashapp I had got from my employer at the time.I had got an notification saying my account will be temporarily closed and then they permanently closed my account and eouldnt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: GA

Complaint narrative:
This letter serves as formal notice of disputes regarding the following items per my Experian credit file : 1. XXXX XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX ) * * Status : Collection/Charge-Off Balance : {$110.00} Late Payments : 30, 60, 90+ days late repeatedly Violation : Reporting charge-off with unpaid balance violates Metro 2 and FCRA 607 ( b ). Discrepancies in payment history and missing data fields under Metro 2.

2. Hard Inquiries Not Tied to Open Accounts : XXXX - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Violation : Inquiries not tied to any active accounts violate permissible purpose per FCRA 604 and should be removed.

Demanding reinvestigation and deletion under FCRA 611 ( a ) ( 1 ) ( A ), 611 ( a ) ( 5 ) ( A ), and Metro 2 standards. Failure to comply may lead to formal CFPB, FTC, and Attorney General complaints.

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 2025-10-27 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: TN

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
b'I am attempting to dispute three payments reported as late by Citizens Auto Finance on my account: XXXX. I have tried to send letters to the bank, but I have been unable to find the correct mailing address. I will provide the two tracking numbers from my previous mailings as proof that both letters were returned as undeliverable:\n\nFirst Letter\nDate: XXXX\nTracking Number: XXXX\nAddress: XXXX XXXX XXXX XXXX, RI XXXX\n\nSecond Letter\nDateXXXX XXXX\nTracking Number: XXXX\nAddress: XXXX XXXX XXXX XXXX, CA XXXXn\nThese letters did not reach their destination because Citizens Bank is reporting incorrect addresses as dispute centers in the credit reports they provide to the credit bureaus.\n\nThe letter was sent in XXXX  and reads as follows:\n\nXXXX XXXX XXXX PA XXXX\nXXXX\nXXXX\n\nDate: XXXX XXXX XXXX\n\nTO: Citizens Auto Finance\nXXXX XXXX XXXX, RI XXXX\n\nRE: Dispute of Late Payment  Request for Proof of Compliance with Notification Requirements\n\nNotice to Agent is Notice to Principal | Notice to Principal is Notice to Agent\n\nDear Citizens Auto Finance,\n\nI am writing to dispute the reporting of several payments marked as late on my account [Citizens Auto Finance / XXXX], which has been furnished to my credit report.\n\nAs established under 15 U.S.C. 1666b, a creditor may not treat a payment as late for any purpose if it has not adopted reasonable procedures to ensure that the periodic statement  including all information required under Section 1637(b)  was delivered to the consumer no less than 21 days prior to the payment due date.\n\nTherefore, I respectfully request the following:\n\nCopies of each periodic statement that was sent in connection with the disputed payments.\n\nDocumentary proof that each statement included all information required under 15 U.S.C. 1637(b).\n\nProof of mailing or delivery at least 21 days prior to the due date for each payment reported as late.\n\nAdditionally, under 15 U.S.C. 1681s-2(7), any financial institution that reports negative information to a credit reporting agency must notify the consumer in writing within 30 days. I therefore request:\n Proof of such notification, including tracking number, date stamp, and evidence of mailing prior to reporting.\n\nPursuant to my rights under the Fair Credit Billing Act (FCBA) and the Fair Credit Reporting Act (FCRA) (15 U.S.C. 1681), I am requesting that an investigation be conducted and that the late payments reported on my credit file be immediately removed, as they do not represent an accurate, complete, or legally compliant report.\n\nThis request is made in good faith, in accordance with Federal Rule of Evidence 1002. You have 30 calendar days to respond. If I do not receive a satisfactory response, I will escalate this matter to the appropriate regulatory agencies.\n\nSincerely,\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: NCB Management Services Inc.
State: MN

Complaint narrative:
I have for multiple times corrected my communication preferences and the number to contact on their website and every single time I correct it they override it. They put my younger brothers phone number as my work number and they put my mothers number as a mobile number. I have removed them multiple times and save the changes but they keep overriding it. It has got to a point where they were contacting my mother and brother continuously with no voicemail or anything just repeat calls over time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: MA

Complaint narrative:
I have two student loan accounts that were in active deferment when my servicer reported both as 90 days late in XX/XX/XXXX. My credit report shows the accounts listed as OK for XX/XX/XXXX and XX/XX/XXXX, followed by a 90 days late mark in XX/XX/XXXX. This is inconsistent and inaccurate because payments were not required while the loans were in deferment.

The accounts currently show Deferred, payments begin XX/XX/XXXX, confirming that I was not obligated to make any payments during the months marked late. I previously disputed the inaccuracies through XXXX, but the servicer verified the late marks without providing documentation showing the deferment was ever removed or that any payment was due at that time.

I am requesting that both 90-day late marks from XX/XX/XXXX be removed and that my credit reports be corrected to accurately reflect deferment status during that period in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-27 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: SC

Complaint narrative:
I am filing this formal complaint to report multiple inaccurate and misleading items that are being reported on my credit file, which are negatively impacting my creditworthiness. I have repeatedly attempted to have these errors corrected through the credit reporting agencies and the furnishers of the information, but the inaccuracies persist.

The following items are being reported inaccurately : Wrong Address : XXXX XXXX XXXX XXXX, XXXX, SC XXXX This address is incorrect and does not belong to me.

Late Payment / Charge-Off / Inquiry Errors : XXXX XXXX XXXX XXXX  Account No. XXXX, High Balance : {$610.00}, Open Date : XX/XX/XXXX Reported late payments are inaccurate and unverified. 

XXXX XXXX Account No. XXXX, High Balance : {$650.00}, Open Date : XX/XX/XXXX This account has been reported as a charge-off in error. 

XXXX XXXX XXXX Account No. XXXX, High Balance : {$35000.00}, Open Date : XX/XX/XXXX Late payment not validated. 

XXXX XXXX XXXX Account No. XXXX, High Balance : {$36000.00}, Open Date : XX/XX/XXXX Late payment inaccurately reported. 

XXXX Account No. XXXX, High Balance : {$16000.00}, Open Date : XX/XX/XXXX Charge-off reporting is incorrect and unverifiable. 

DEPT OF ED / XXXX Account No. XXXX, High Balance : {$7600.00}, Open Date : XX/XX/XXXX Late payments not supported by documentation. 

XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX, High Balance : {$6800.00} Late payment entries are false. 

XXXX Inquiry dated XX/XX/XXXX This inquiry was unauthorized and made without my consent.

These inaccuracies are serious violations under the Fair Credit Reporting Act ( FCRA ), specifically under Sections 602 ( A ), 607 ( B ), and 611 ( A ), which require that all information reported be accurate, complete, and verifiable. The continued reporting of this false information constitutes negligence and non-compliance by both the credit bureaus and the furnishers.

I am requesting that the CFPB investigate these accounts and compel the credit bureaus and furnishers to : Immediately delete or correct the inaccurate information, Reinvestigate the disputed accounts in compliance with FCRA 611, Provide me with documentation verifying any allegedly valid information, and Ensure these entities cease reporting unverifiable or outdated information.

These errors are causing significant harm to my financial stability, credit rating, and access to fair credit opportunities. I am attaching copies of my identification and recent credit report for verification and further investigation.

Thank you for your time and attention to this matter. I respectfully request that this issue be resolved promptly and that I receive written confirmation of the actions taken.

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 2025-10-27 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
CB/XXXX XXXX Comenity Bank ) is reporting a XXXX late payment on my credit report for 2023. 

This information is inaccurate and misleading. The account was never late, paid in full, carries a {$0.00} balance, and was closed in good standing on XX/XX/XXXX. No payment was missed or delinquent at any point during the life of this account. 

Reporting a false late payment on an otherwise positive, closed account violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ), which requires furnishers to investigate and correct inaccurate information, and 15 U.S.C. 1681e ( b ), which mandates the use of reasonable procedures to assure maximum possible accuracy in consumer reports. 

I have not been provided with any documentation verifying a missed payment or delinquency. Therefore, this derogatory reporting is inaccurate, unsupported, and must be corrected or deleted. 

Attached is DL and credit reporting for reference.

Company response to consumer: Closed with explanation