vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There are multiple addresses on my credit report that I am not aware of.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: FL

Complaint narrative:
Ive requested that Jefferson Capital to remove false claims from my credit report. They have added another account to my report of the same vehicle! Please remove immediately This is false information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
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 non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
This account with Apple Card / GS Bank was charged off after I disputed several billing errors. My dispute was closed without explanation, and I was not provided with any supporting evidence. The continued reporting of this account is in violation of my rights under FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am filing this complaint to dispute the accuracy of a late payment reported by Equifax on my closed account with XXXX XXXX. This payment is being reported as late after the account was already paid and closed, which is a violation of FCRA 623 ( a ) ( 1 ) ( A ) and Metro 2 reporting guidelines. 

The most concerning issue is the inconsistency across credit bureaus. XXXX has already removed this late payment after my factual dispute, recognizing the inaccuracy of reporting a late payment on a closed and satisfied account. However, Equifax continues to report this derogatory mark, despite receiving the same evidence. 

This inconsistency in reporting is misleading and negatively affects my credit profile and score. According to Metro 2 Format, once an account is closed and paid in full, Field 17 ( Payment History Profile ) should no longer reflect delinquency, and Field 25 ( Account Status ) must correctly reflect that the account is closed with XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
My numerous attempts to resolve the fraudulent, inaccurate, and misleading information on my consumer report have been unsuccessful, causing profound impacts on my daily life through significant stress and anxiety. As a victim of identity theft, I never authorized or consented to having this information associated with my name, yet I continue to suffer the consequences of these unauthorized entries.

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 2025-05-26 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:
Due to unauthorized activity stemming from a data breach, fraudulent accounts now appear on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX AL XXXX Please delete and block the following accounts from 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 2025-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK

Complaint narrative:
Between XXXX & XX/XX/year>, I was attempting to consolidate all my debts into ONE card that I could pay over time. My WIFE XXXXXXXX XXXX XXXX has been the account holder for Discover since we obtained the card which was MANY years ago. I, her husband of XXXX XXXX ) have been a user on the card since day 1. 
My wife has XXXX, and because of this, we now live in XXXX where I can provide her with affordable care. As part of our move I was trying to eliminate ALL our credit card debt. Our credit union in XXXX had a balance transfer promotion, so I transferred 2 other cards here, and was trying to do the discover as well. For whatever reason, during the move the actual card has been lost. We only used it online for my annual XXXX mail payment. 
I pulled up statements which usually contain the complete number, but discover appears to have stopped including them on statements. 
I reached out to them and shared the situation asking for a replacement card to be mailed to us in XXXX. I had to provide my complete address to at least XXXX different people who told me I could expect the new card within 2 weeks. 

When the card didn't arrive I called back and at that point was told... we don't ship replacement cards to XXXX! So, they lied to me when they told me they WOULD ship a card. 
I again, tried to get them to provide the complete card number so I could transfer the balance, and they refused because the account was in my WIFE 's name, not mine. 
I told them what I was trying to do, and if they refused to provide the number, the outstanding debt would NOT be paid. 

a few months later I received notification from credit monitoring agency, that my report has been impacted ... BY DISCOVER! After refusing to provide me with the needed information so I could transfer the balance, they then dinged MY credit! 

How is this possible, they have my SSN, yet refused to provide me with full account access? 

Hoping you can get them to remove this from my credit report. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX  Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-26 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: CO

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-26 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: NC

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 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 2025-05-26 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: NC

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 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
Community account not mine. My personal information has been illegally obtained and I have not consented to contract with this entity. Pursuant to privacy act of 1974 my personal information has been used for identity theft 15USC1681-2 15USC1681 Cease and desist submitted but no remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: OR

Complaint narrative:
The XXXX TD account was charged off without adequate validation. I disputed the final charges, but no investigation was conducted. TD Bank failed to provide proof of debt or contractual agreement. Reporting the account without resolution is a direct violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Ive been working with a debt consolidation attorney who has tried multiple times to contact Capital One to discuss my account and create a payment plan. Despite these efforts, Capital One has not responded. I want to resolve this account responsibly, but the lack of communication is preventing progress. 
The debt consolidation atty started reaching out in XXXX of XXXX. No response from Capital One. Ive tried also calling Capital One and the attorney that handles the case and they did not respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX and the three major credit bureaus ( Experian, XXXX, and XXXX  ) for materially misleading and inconsistent credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX charged off a joint student loan account and sold it to a third-party debt buyer. However, all three credit bureaus continue to report this account with contradictory and inaccurate language. Most importantly, I have not paid this account, yet XXXX XXXX is reporting it as Paid in Full on at least one bureau. 

I am currently being sued in XXXX XXXX XXXX XXXX, XXXX XXXX ( Texas ) by a debt buyer claiming to now own this account. That makes the Paid in Full reporting both factually false and legally damaging. 

The account is listed differently on each bureau : XXXX  : Pay Status : >Sold ; was Charged-off< Remarks : Purchased by another lender ; Paid in Full / Was a Charge Off Experian : Status : Closed. {$5200.00} written off. 

Remarks : Purchased by another lender XXXX  : Status : Charge-Off Activity Designator : Transferred or Sold These inconsistencies create confusion and mislead any party who reviews my report. Reporting an account as both charged off and paid in full is a contradiction that violates FCRA 1681e ( b ) s requirement for accurate, clear, and non-misleading data. It also undermines my legal rights in ongoing litigation regarding the same debt. 

I previously submitted a written dispute to all three credit bureaus under FCRA 611, and they verified this information without correction.

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 2025-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this complaint against XXXX XXXX and the three major credit bureaus ( XXXX, XXXX, and Equifax ) for materially misleading and inconsistent credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). 

XXXX XXXX charged off a joint student loan account and sold it to a third-party debt buyer. However, all three credit bureaus continue to report this account with contradictory and inaccurate language. Most importantly, I have not paid this account, yet XXXX XXXX is reporting it as Paid in Full on at least one bureau. 

I am currently being sued in XXXX XXXX XXXX XXXX, XXXX XXXX ( Texas ) by a debt buyer claiming to now own this account. That makes the Paid in Full reporting both factually false and legally damaging. 

The account is listed differently on each bureau : XXXX  : Pay Status : >Sold ; was Charged-off< Remarks : Purchased by another lender ; Paid in Full / Was a Charge Off XXXX  : Status : Closed. {$5200.00} written off. 

Remarks : Purchased by another lender Equifax : Status : Charge-Off Activity Designator : Transferred or Sold These inconsistencies create confusion and mislead any party who reviews my report. Reporting an account as both charged off and paid in full is a contradiction that violates FCRA 1681e ( b ) s requirement for accurate, clear, and non-misleading data. It also undermines my legal rights in ongoing litigation regarding the same debt. 

I previously submitted a written dispute to all three credit bureaus under FCRA 611, and they verified this information without correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: AR

Complaint narrative:
My name is XXXX XXXX XXXX and my loan for transferred from XXXX  to to mohela which I did not know that we're going to do that so mohela changed all of the terms in the agreement of payment from the regular payments which were from XXXX to $ 300 months what's that means the payments will never get down they'll never change and they'll never be an ability to repay the payment because they changed the amount all of the payments have been changed not on my behalf and I asked me then call me then do anything but they did this I'm sick and tired of y'all letting these people do whatever they want and nobody is doing anything to stop them I've already tried to talk to you on the behalf of when my vehicle was having issues and you did not correct the issue they just continue to do what they wanted to and ruin my credit just like these people are ruining my credit now I had almost a XXXX now I'm down to a XXXX what else must I do to get y'all to start doing your part to stop these people from invading my privacy and also being inside my credit report when I also have put a freeze on them and they still are changing things on my credit report without my consent. Since it's a new administration has stepped into Power things have gone not from good but to South when I was making payments just fine not all of a sudden my payments aren't fine I will not be making any payments until you're correct these issues and get them back on track I want my previous credit score before these people decided to be inside my credit .. thank you finally for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: VT

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief