vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: MI

Complaint narrative:
I am filing this complaint because Discover is reporting inconsistent, conflicting, and inaccurate information about this account on my credit reports. I have disputed these issues directly with the credit bureaus multiple times, and they continue to come back verified even though the information clearly does not match across the bureaus. 

The Date of Last Activity is different on each bureau one shows XX/XX/2022, another shows XX/XX/2022, and another shows XX/XX/2022. These dates can not all be correct for the same account. This violates the FCRA requirement that information be accurate and consistent. 

The late payment history is also completely contradictory. One bureau reports I was 90 days late 3 times, while another claims 41 times. That is impossible and clearly inaccurate. 

The account is reported as Closed with a charge-off status, yet the bureaus show different last payment dates ( XX/XX/2022 vs. XX/XX/2022 ), which again creates conflicting data for the same account. None of these differences were corrected during disputes. 

The account also shows a credit limit of {$7000.00}, but a high balance of {$7800.00} and a past due amount equal to the full balance, even though the account was closed in XX/XX/2022. The reported limit, high balance, and past-due information do not align. 

Discover is also reporting the account as a charge-off while simultaneously reporting a profit and loss write-off, yet the bureaus are still updating the account as if its active and delinquent. A closed charge-off should not be updating like a current delinquency. 

I have given the credit bureaus several opportunities to correct this information. They verified it without addressing any of the contradictions. I do not believe a proper investigation was done by Discover or the bureaus, because the errors are obvious and significant. 

This inaccurate reporting is hurting my credit unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: MS

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that require immediate verification and correction. Under Late Closed, my XXXX XXXXXXXX account ending in XXXX shows a balance of {$0.00}, which is inaccurate. Under Charge-Off, my XXXX account ending in XXXX, XXXX XXXX account XXXX in XXXX with a reported balance of {$760.00}, and XXXXXXXX XXXX XXXX account XXXX in XXXX showing a balance of {$0.00} are all inaccurate. Under Collections, my XXXX XXXXXXXX account for XXXXXXXX XXXX  ending in XXXX shows a balance of {$440.00}, XXXX XXXX reporting for my XXXX XXXXXXXX XXXX account ending in XXXX shows a balance of {$1300.00}, and XXXX reporting for my XXXX XXXX account ending in XXXX shows a balance of {$7100.00}. These accounts are inaccurate and require verification.

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 2025-11-15 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 submitting this complaint regarding multiple inaccuracies on my credit report that require immediate verification and correction. The following accounts are reported with incorrect balances. Under Charge-Off, my XXXX XXXXXXXX account ending in XXXX shows a balance of {$470.00}, XXXX XXXX accounts ending in XXXX and XXXX are listed with balances of {$710.00} and {$1100.00} respectively, and my XXXX XXXX account ending in XXXX shows a balance of {$390.00}. Under Collections, my XXXX  account ending in XXXX reports a balance of {$910.00}, while XXXX XXXX account ending in XXXX also reflects {$910.00}. Additionally, my XXXX XXXX accounts ending in XXXX, XXXX, and XXXX show balances of {$930.00}, {$1300.00}, and {$800.00} and remain listed multiple times. These accounts are inaccurate, and some are duplicated, which is negatively affecting my creditworthiness

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 2025-11-15 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-15 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC
State: NV

Complaint narrative:
In Nevada, it is unlawful to repossess a vehicle during a federal, state, or tribal worker shutdown or for 30 days after the shutdown ends, provided the worker provides proof of their employment. Repossession during this period is a misdemeanor and the violator can be liable for actual damages, attorney 's fees, and costs. 

The vehicle was repossessed during a federal government shutdown and I have not received any correspondence related to the repossession. It has been 30 days since the vehicle was recovered and I have not received any correspondence and I have been unable to use the legal services offered by the VA because of the shutdown. 

I believe this repossession was unlawful and I believe was in violation of Nevada Revised XXXX ( XXXX ) XXXX. I have called the phone number provided and informed that they were not authorized to disclosed the location of the vehicle or my personal property. 

It has been 30 days and I am still unable to obtain my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - Balance : {$0.00} - Date Opened : XX/XX/XXXX XXXX XXXX - Balance : {$4700.00} - Date Opened : XX/XX/XXXX XXXX XXXX - Balance : {$0.00} - Date Opened : XX/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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: FL

Complaint narrative:
XX/XX/year> JEFFERSON CAPITAL SYSTEMS XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT FROM THIS COMPANY : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX, BALANCE : {$780.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY...

I DEMAND the following ACCOUNT : JEFFERSON CAPITAL SYSTEMS, ACCOUNT NUMBER : XXXXXXXX XXXX XXXX XXXX XXXX  BALANCE : {$780.00} be REMOVED from my CONSUMER CREDIT report, and DELETED IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IN

Complaint narrative:
I am submitting this complaint regarding multiple inaccuracies on my credit report that require further review and verification. Under Late Closed, my XXXX  account ending in XXXX shows a balance of {$0.00}, as does my XXXX account ending in XXXX, which is inaccurate. Under Collections, my XXXX XXXX XXXX XXXX  account ending in XXXX reports a balance of {$10000.00}, and my XXXX XXXX XXXX XXXX account ending in XXXX shows a balance of {$830.00}. Additionally, the following inquiries included in dispute remain unverified : XXXX XXXX XXXX dated XXXX, and XXXX dated XXXX. These inaccuracies and unverified inquiries are negatively impacting my credit report and require prompt attention.

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 2025-11-15 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: BTH Management
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act the account listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Account Plaza Sevices amount XXXX has violated my rights I looked on my credit report on XX/XX/year> & noticed somethings are incomplete & not accurate, and according to the Fair Act Credit Reporting Act whenever a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681 if they are suppose to do this ( 5 ) treatment of inaccurate or unverifiable information ( A ) regenerate offer reinvestigation under paragraph 1 of any information disputed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: IN

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-11-15 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: IL

Complaint narrative:
I have disputed and the first time Trans Union says unfortunately the collection agency did not respond. Then I disputed again and they closed my dispute so I called and the lady told me it was verified but she could not tell me how. The I notice again it's been closed, but shows a balance. I have never once been contacted by the agency. I dialed the number XXXX on the Trans Union report and it does work. I mailed a certified letter to this agency and it was undeliverable. I dialed the number on my XXXX  report and they told me they sent it to a different agency which would mean this isn't valid on my report. That Agency has never contacted me and is not licensed in my state. I'm not sure what kind of unethical Business practice is going on but Trans Union is not doing their job with validating this debt. My Credit Report says XXXX XXXX XXXX and I am not sure it's a legitimate business.

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 2025-11-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, OR. XXXX ( XXXX ) XXXX TO WHOM IT XXXX CONCERN, This notice is to inform you that you unlawfully reported an UNAUTHORIZED ACCOUNT on my CONSUMER report. I have not given you written permission to put anything on my credit profile. You have no permissible purpose by law to contact third parties with my private or personal information 15 U. S. Code 6802 ( b ) -Obligation With Respect To Disclosures Of Persona Information. A financial institution XXXX not disclose nonpublic personal information to a nonaffiliated third party unless such financial institution clearly and conspicuously discloses to the CONSUMER, in writing or in electronic form or other form permitted by the regulations prescribed under section XXXX of this title, that such information XXXX be disclosed to such third party ; the CONSUMER is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and the CONSUMER is given an explanation of how the CONSUMER can exercise that nondisclosure option. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 

I am writing this letter to DISPUTE the following ACCOUNT FROM THIS COMPANY : DEPT. OF XXXX, ACCOUNT NUMBER : XXXX * * * *, XXXX ) BALANCE : {$3500.00}, XXXX ) BALANCE : {$630.00}, XXXX ) BALANCE : XXXX, XXXX ) BALANCE : {$3300.00}... 

This agency is in violation of the 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. As my right to Privacy and Consent 15 U. S. Code 1681 ( a ) ( 4 ) There is a need to insure that CONSUMER reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the CONSUMERS right to privacy. Therefore, the following ACCOUNT must be DELETED from my CONSUMER credit report IMMEDIATLY... 

I DEMAND the following ACCOUNT : XXXX XXXX XXXX, ACCOUNT NUMBER : XXXX * * * *, XXXX ) BALANCE : {$3500.00}, XXXX ) BALANCE : {$630.00}, XXXX ) BALANCE : XXXX, XXXX ) BALANCE : $ XXXX be UPDATED to PAID AS AGREED OR PAID/NEVER LATE IMMEDIATLY...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: FISERV FINXACT CORE
State: VA

Complaint narrative:
Complaint Summary / Narrative : I am submitting this complaint regarding inaccurate and unverifiable reporting by the above specialty credit reporting agencies. My experience includes : Cross-Bureau Conflicts : Multiple accounts are reported inconsistently across bureaus ( balance, status, high credit, dates opened/closed, payment history ). For example : XXXX XXXX Mortgage : TransUnion last reported XX/XX/XXXX, Experian XX/XX/XXXX, Equifax XX/XX/XXXX. Last active dates and payment history do not match. 

I have attached statements and screenshots documenting these conflicts. 

Late-Payment / Status Defects : Certain accounts report late payments or XXXX markers without full supporting ledger documentation. Some lates are reported after payoff dates or after account closure, violating XXXX XXXX rules. 

Unauthorized Hard Inquiries : Multiple hard inquiries have been pulled without my authorization, including : Equifax | XXXX | XX/XX/XXXX TransUnion | PROSPERWEBBK | XX/XX/XXXX Equifax | XXXX | XX/XX/XXXX [ Full list attached ] Banking File / Specialty File Errors : Accounts reported in ChexSystems, EWS, XXXX, XXXX, XXXX, Clarity, and XXXX contain unverifiable or inconsistent data. 

I demand a full XXXX of XXXX ( MOV ) for each account, including furnisher/member code, account numbers, dates, and supporting documentation. 

Identity-Theft / Mixed File Concerns : While I have not reported an active identity-theft case for these accounts, there are indicators of mixed-file errors, such as duplicate reporting, unfamiliar accounts, and mismatched addresses or SSNs. These must be blocked or corrected per FCRA 605B until verified. 

XXXX XXXX XXXX : I request that only my correct legal name ( XXXX XXXX ) and current address appear on all files. All other variants, outdated addresses, and outdated personal info must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-15 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: LEXISNEXIS
State: VA

Complaint narrative:
Complaint Summary / Narrative : I am submitting this complaint regarding inaccurate and unverifiable reporting by the above specialty credit reporting agencies. My experience includes : XXXX  Conflicts : Multiple accounts are reported inconsistently across bureaus ( balance, status, high credit, dates opened/closed, payment history ). For example : XXXX XXXX XXXX  : XXXX  last reported XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX  XX/XX/XXXX. Last active dates and payment history do not match. 

I have attached statements and screenshots documenting these conflicts. 

Late-Payment / Status Defects : Certain accounts report late payments or 30/60/90-day markers without full supporting ledger documentation. Some lates are reported after payoff dates or after account closure, violating XXXX XXXX rules. 

Unauthorized Hard Inquiries : Multiple hard inquiries have been pulled without my authorization, including : XXXX | XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX [ Full list attached ] Banking File / Specialty File Errors : Accounts reported in XXXX XXXX XXXX LexisNexis, XXXX, XXXX XXXX XXXXXXXX contain unverifiable or inconsistent data.

I demand a full Method of Verification ( MOV ) for each account, including furnisher/member code, account numbers, dates, and supporting documentation.

Identity-Theft / Mixed File Concerns : While I have not reported an active identity-theft case for these accounts, there are indicators of mixed-file errors, such as duplicate reporting, unfamiliar accounts, and mismatched addresses or SSNs. These must be blocked or corrected per FCRA 605B until verified.

Personal Information Hygiene : I request that only my correct legal name ( XXXX XXXX ) and current address appear on all files. All other variants, outdated addresses, and outdated personal info must be deleted.

Company response to consumer: Closed with non-monetary relief