vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 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: TX

Complaint narrative:
The reported entry is inaccurate and still showing as late.

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 2025-09-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
Subject : Inaccurate Account Information on Credit Report To Whom It May Concern I am writing to formally do away with the accuracy of a loan account currently listed on my credit report. The account shows an incorrect and increasing balance despite my consistent payments, and I believe the reporting is inaccurate or unfair.

Despite making regular payments on this loan, the balance has continued to increase rather than decrease, which is not reflective of the actual payment history or loan agreement.

This discrepancy is negatively impacting my credit score and does not accurately reflect my financial responsibility. I am requesting that you investigate this account and either correct the reporting to reflect accurate payment and balance history, or remove the account entirely from my credit report ( XXXX XXXX ). 


Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
This submission serves both as a complaint and an official request for debt validation to NATIONAL CREDIT ADJUSTERS , L.L.C, facilitated through the CFPB platform. I have attached a letter that outlines the specific documents needed to validate the alleged debt under FDCPA guidelines. These documents include the original signed contract, proof of ownership or assignment of the debt, and a detailed breakdown of how the amount was calculated. 
My intent in submitting this through the CFPB is to ensure that my request is properly delivered, documented, and that NATIONAL CREDIT ADJUSTERS , L.L.C is required to provide a timely and lawful response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am disputing unauthorized inquiries on my TransUnion credit report. My report shows the following inquiries that I never authorized or applied for : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> These inquiries are inaccurate and violate the Fair Credit Reporting Act ( FCRA ). I submitted an FTC Identity Theft Report, which requires unauthorized inquiries to be deleted within XXXX hours. TransUnion has this FTC report on file, and I am resubmitting a new one. It has now been nearly 30 days and the inquiries remain. 

I am requesting immediate removal of these unauthorized inquiries and written confirmation from TransUnion that my credit file has been 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 2025-09-30 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: NC

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am disputing inaccurate and unauthorized information on my credit reports. Several collection accounts are being reported that do not belong to me and are not matching across all three reports ( inaccuracies ). I have never opened accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or XXXX. These debts are inconsistent across the three credit bureaus, further proving the reporting is inaccurate. 

Additionally, there are multiple unauthorized hard inquiries on my file. These inquiries were not initiated or authorized by me, yet they remain on my report and are negatively impacting my creditworthiness. Under the Fair Credit Reporting Act ( FCRA ) 611 and 607 ( b ), the bureaus are required to maintain accurate information and delete unverifiable accounts or inquiries.

I am requesting that all unverifiable collections and unauthorized inquiries be removed immediately from my credit file.

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 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I was contacted by XXXX XXXX for a few debts that I have. I paid off 2 and I am in a payment arrangement for the last one. Their representatives are the most unprofessional group of people. Very rude and not knowledgeable at all in debt collection practices! XXXX and XXXX XXXX are the two that typically answer the phone. XXXX XXXX sounds like she's 1 cigarette away from dying and XXXX is just nasty!

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 2025-09-30 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I opened a credit card for XXXX while on vacation in another state. When I got back home I did not receive any communication from the company. I called them and they said they would've to change the card number and I could pay it when it comes in. When it came in, I paid the almost {$500.00} balance in full. Since I paid it in full, I thought nothing about my bill. I didn't realize they assigned a late fee of {$30.00} and charged interest on it. The following month they did the same. Charged a second late fee with interest. When I called and explained everything, the refused to waive any late fees. I have now paid the late fee and closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I dispute a reporting error that is causing ongoing material harm. XXXX ( XXXX ) account ending XXXX is being reported by Experian as a charge-off. This same account was reported to TransUnion and removed from XXXX  ( XXXX  already deleted it ). The reporting is inconsistent across bureaus and I have no account, no knowledge, and no authorization for this XXXX account it belongs to another person with the same/similar name. 

This is a cross-bureau accuracy failure under 15 U.S.C. 1681e ( b ) and an improper reinvestigation failure under 15 U.S.C. 1681i. Experian must explain why the item remains on my file after XXXX  removed it and must produce proof of accurate matching ( including name variants, SSN used by furnisher, addresses, account opening documents, and the MOV ). I filed an FTC report and attach the complaint.I am considering formal remedies given the pattern of cross-bureau inconsistency and the risk of further damage to my credi

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 2025-09-30 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:
Under 15 U.S. Code 1681g, disputed accounts must be removed within the time legally allowed.

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 2025-09-30 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: TX

Complaint narrative:
I am filing this complaint because [ Experian / XXXX  XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in Sessa v. TransUnion, LLC ( XXXX  ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in Norman v. TransUnion ( XXXX ), XXXX  paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - EX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-09-30 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:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I realized on checking my credit report XX/XX/XXXX that my score had dropped over XXXX points. I was shocked and upset because I have worked so hard to keep my score high. I noticed the Dept of Education was on it as missed payments which I couldnt understand because I had paid it off, I immediately called the Dept of Education and was told my account was paid off and I then disputed the charge thinking it was just a error. Today XX/XX/XXXX I checked my credit report again and its now showing still missed payments. I called the number on the credit report to dept of education and this number is actually a default center. They put me in collections for a {$760.00} overpayment from a grant from 7 years ago, I have not received one call or notification this was owed or I would have immediately paid it. I have spoken to a handful of people and no one is helping. I did go ahead and pay it today XX/XX/XXXX. My hard work to keep my credit outstanding just was tanked because of this. So wrong and unfair. Please help Its also under closed accounts, I am confused! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 

ACCOUNTS : BANK OF XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$340.00} XXXX  XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$680.00} XXXX XXXXXXXX BANK - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$610.00} XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$170.00} XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$400.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXX breach. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX These items are inaccurate and must be deleted from my credit report. 

XXXX XXXXXXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted from my credit report. 

XXXX XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax XXXXXXXX XXXX. These items are inaccurate and must be deleted 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 2025-09-30 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:
XXXX, Equifax and Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violated federal law and my rights as a consumer. I am a victim of identity theft. These items were removed from my cedit report then added back.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
As of XX/XX/year> this account was closed. The reported balance says {$0.00}. From my knowledge there were no further actions needed to be taken because it should not affect my rental history any longer. I did not pass my screening through approve shield because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: CA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: OH

Complaint narrative:
Albert XXXX : I have tried relentlessly to closed my account so avoid the {$19.00} a month fee and the automatic savings pulls that continue to happen even though I have XXXX auto save. Each time I try to close it says there's a pending autosave, or that there is money in the investing account. It is impossible to close this account. 

I want this account closed. The savings/checking/investing. Permanently delete please. I assume this will unlink my other bank accounts, but if not- unlink my accounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation