vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: GLA Collection Company, Inc.
State: IN

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative, I am writing to file a formal complaint against GLA Collections regarding an account that continues to appear inaccurately on my credit report despite multiple disputes. 

Account Name : GLA Collections Original Creditor : GLA Collections Account Opened : XX/XX/XXXX Reported Balance : {$500.00} Last Reported Date : XX/XX/XXXX Account Status : Open I have disputed this account several times with all three major credit bureaus, yet it remains listed as an open collection account on my credit report. I am unaware of this debt and have never authorized or consented to this account being opened in my name. 

Under the Fair Credit Reporting Act ( FCRA ) 611 and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that this matter be thoroughly investigated. GLA Collections must provide documented proof that this account is valid and that I am legally responsible for this debt. If such proof can not be provided within 30 days, this account must be removed immediately from my credit report as inaccurate and unverifiable information. 

I am also requesting that the CFPB review this matter to ensure that GLA Collections is complying with federal credit reporting and debt collection laws. I believe my consumer rights have been violated due to their continued reporting of this inaccurate account. 

Please confirm receipt of this complaint and advise on the next steps to ensure that this issue is properly investigated and resolved. 

Thank you for your time and attention. 

Sincerely, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-10 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-10-10 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:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

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 2025-10-10 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:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-10 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: PA

Complaint narrative:
I am submitting this formal complaint regarding multiple inaccuracies and harmful items being reported on my credit file by various furnishers and credit reporting agencies. These errors are causing serious damage to my credit profile, and they must be immediately investigated and corrected in compliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ) where applicable. 

The following inaccurate and/or unverifiable items are appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wrong Address. I have never lived at or been associated with this address. Its inclusion is a serious violation of accurate reporting standards. 

XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reported as Late Payment. XXXX XXXX This account shows a {$0.00} balance yet is still being reported with a late payment, which is contradictory and inaccurate. 

MXXXX 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 Multiple student loan tradelines reported with late payments. XXXX XXXX  These accounts are inaccurately reflecting late payments without proper verification. Federal loan servicers are required to ensure strict accuracy under the FCRA. 

XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3700.00} Reported Late Payment. XXXX XXXX This account is being inaccurately reported with delinquencies that I dispute. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$81.00} Collection. XXXX XXXX I have never received proper notice of this alleged debt from either XXXX XXXX XXXX. No validation of debt has been provided, making this reporting a violation of the FDCPA and FCRA. 

My Demands : I request that the CFPB conduct a thorough investigation into these inaccurate credit reporting practices. 

I demand removal or full correction of all unverifiable and inaccurate information listed above. 

I request validation from each furnisher showing lawful reporting, payment history proof, and complete account documentation. 

I demand confirmation in writing that these items have been deleted or corrected. 

These inaccuracies are severely damaging my creditworthiness and are in direct violation of my rights under federal law. I expect immediate corrective action.

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 2025-10-10 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: PA

Complaint narrative:
I am submitting to formally dispute inaccurate address information appearing on my Equifax consumer file and to request that you correct and update my file in accordance with the Fair Credit Reporting Act ( FCRA ). The address currently reported that does not belong to me is : Correct address to be added/ updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inaccurate address to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inaccurate address is causing confusion and is not my current or prior residence to my knowledge. Under the FCRA, I am entitled to dispute incomplete or inaccurate information and to have it investigated and corrected. Please investigate this matter, delete/remove the inaccurate address listed above from my file, and update all consumer report ( XXXX ) and any derivatives to reflect my correct address shown above.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 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 debt XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 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 debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 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 debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 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 debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of 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 the result of identity theft and fraud

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 2025-10-10 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: NJ

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 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 debt XXXXXXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 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 debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 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 debt XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 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 debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of 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 the result of identity theft and fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I request a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
This matter involves a XXXX store credit card. I got a notification on credit monitoring that my account had been closed by consumer, however I never requested or authorized the closure of this account. I did make a call to the consumer service line about another matter, and during that call I did inquire about possibly closing the account. However, I never requested or authorized the closure and actually directly stated that I did not want to close it before ending the call. This was on a recorded line. I made another call on XX/XX/year> to find out why I was getting the report of a closed account. I had to speak to XXXX different people before someone actually went and reviewed the prior call and then confirmed that I did not authorize the closure so it was indeed fraudulent, also on a recorded line. They stated that it should not have been closed, and while the notes stated I had been offered a waived fee for retention no such offer was actually made. I did request a copy of the call recording and any proof that they had sent a notice to me about the closure, as there is apparently a timeframe in which you can request the account be reinstated. As this is now outside the timeframe they couldnt reinstated the account and stated they would be escalating the matter to resolve the situation. I was never told specifically how this would be resolved and I havent received any email regarding the matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Complaint Regarding Unauthorized/Inaccurate Hard Inquiries Request for Investigation Under Civil Liability for Negligent Noncompliance Dear CFPB, I am filing this formal complaint to dispute several unauthorized and inaccurate hard credit inquiries that have appeared on my Experian credit report. These inquiries were not authorized by me, nor do I have any existing or pending business relationship with the listed companies. 
Pursuant to XXXX XXXX  XXXX XXXX, these entities may be held civilly liable for negligent noncompliance in obtaining or reporting inquiries without proper authorization or permissible purpose. Their actions have negatively affected my credit profile and exposed me to potential financial harm. 
Below are the disputed inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Requested Relief : Removal of the above inquiries from my Experian credit report. 


Investigation into the companies listed for potential violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXXXXXX XXXX XXXX. 


Confirmation in writing of the resolution of this complaint. 


I have attached screenshots of my Experian credit report that document these inquiries for your review. 
Thank you for your prompt attention to this matter. Please contact me if further information or documentation is needed. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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:
I have no knowledge of these collections and did not give permission for these things to be reported on 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 explanation
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: MD

Complaint narrative:
I am writing to formally file a follow-up complaint against a third-party debt collection agency that continues to contact me via email, despite my having disputed the debt through the CFPB website. This continued contact appears to be in direct violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

On XX/XX/year>, I submitted a dispute regarding the alleged debt in question through the CFPB complaint portal. According to XXXX U.S. Code XXXX ( b ) of the FDCPA : If the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed the debt collector shall cease collection of the debt until the debt collector obtains verification of the debt Despite this, the debt collection agency has continued to contact me via email multiple times, even after I initiated the formal dispute. These communications are not in response to verification of the debt, but rather continued attempts to collect or harass, which violates the above statute. 

Additionally, under XXXX U.S. Code XXXX ( a ) ( XXXX ), a debt collector is prohibited from contacting a consumer at a time or place known to be inconvenient. Continuing to contact me while the account is in dispute and without providing validation of the debt is not only inconvenient but illegal. 

I request that the CFPB investigate this matter, as the collector is in violation of federal law. I have retained copies of the emails received after the dispute was filed and can provide them upon request. 

I respectfully ask that the CFPB require the debt collection agency to : Immediately cease all communications with me regarding this alleged debt until full validation is provided as required by law. 

Be held accountable for their noncompliance with the FDCPA. 

Thank you for your time and assistance in this matter. I look forward to a resolution. 

Sincerely, [ Your Full Name ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief