vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 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 bureau has shown a pattern of willful noncompliance with FCRA 1681n by continuing to report unverifiable information after multiple disputes.

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 2025-12-01 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to you today regarding the above-referenced account. This debt was settled and paid in full on XX/XX/year>. Prior to making this payment, a representative from your company, COMENITYBANK/XXXX  Representative XXXX assured me that upon settlement, the collection account would be removed from my credit report. I upheld my end of this agreement by paying the debt in full. As I am working to improve my credit standing and have maintained a strong payment history since this time, I was disappointed to see that the collection entry has not been deleted as promised. I have disputed this with XXXX  multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: IN

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 explanation
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
I do not recognize these accounts ; please remove them within 15 days according to USC 1681g.

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 2025-12-01 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-12-01 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: DE

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Citibank retirement services is holding an old 401k retirement account. I contacted Citi Bank on XX/XX/XXXX, was emailed an account application form and withdraw request from. I faxed the completed documents to Citi Bank on XX/XX/XXXX. A week later I called and was told I needed to fax again so I sent a 2nd fax. I then waited until today XX/XX/XXXX. When I called Citibank I'm told it had still not been processed and I'm told to wait another 14 business days. When I asked why it would take so long, I was informed that their back office is backed up and delayed. I then explained I'm in a hardship financially and need this processes right away. I was told they could put a note on my account but I would still need to wait another 14 days. I asked to speak to a supervisor, the agent put me on hold for about 25 min the disconnected the line. I called back and got a 2nd agent and was told the same timeframe, again I asked for a supervisor and was told the only supervisor on duty would not be able to talk to me due to their system not working. I asked to wait for the supervisor to become available and was told I could not wait for a supervisor. The agent said I would need to hang up and call back myself. I explained I needed to speak to someone now and the agent just put me on an extended 30 min hold. After waiting 30 min another now the 3rd agent answered and again was told I could not speak to anyone else that they could not do anything to process my request. I am in a hardship situation and I've already been waiting 3 weeks for Citibank to distribute my 401k and they are refusing to process my request and refusing to let me talk to anyone that can help me with this.

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 monetary relief
Consumer complaint received 2025-12-01 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XX/XX/year> ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
I've expressed that I have no knowledge nor ownership this debt multiple times I've even spoken with XXXX they see on there end that this debt for a rental property XXXX XXXX XXXX dont belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: TN

Complaint narrative:
I am writing to formally dispute inaccurate information contained in my credit report as per the Fair Credit Reporting Act ( FCRA ), Section 609, 611, and 613. The information on my credit report appears to be incorrect, incomplete, or outdated, and I request that the inaccurate information be corrected, updated, or removed accordingly. 
Here are the details of the disputed items : Personal Information : Name : XXXX XXXX XXXX Date of Birth : XX/XX/XXXX Credit Report Date : XX/XX/XXXX Score : [ XXXX / XXXX / XXXX ] Disputed Accounts on TransUnion Report : XXXX. XXXX  XXXX ( Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Positive o Violation ( s ) : Data Breach Unauthorized access to personal information.

o Requested Action : Verification of account information and correction/removal if inaccurate. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection/Charge Off o Violation ( s ) : Data Breach : Personal information exposure.

FCRA Violations : Reporting of inaccurate balance information ; multiple reports of " in dispute '' status not updated. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  o Status : Collection/Charge Off o Violation ( s ) : FCRA Violations : Failure to report accurate payment history.

Data Breach : Security lapse exposing sensitive information. 
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 Status : Revolving Credit o Violation ( s ) : FCRA Violations : Misreporting account status as delinquent.

Data Breach : Possible unauthorized access to my account details. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX o Status : Installment ( Sales Contract ) o Violation ( s ) : Inaccurate account informationfailure to report payments correctly.

Data Breach : Inaccurate reporting of financial data potentially stemming from security flaws.

Other Violations Noted : Failure to comply with FCRA 609 : Incomplete reporting of payment history.

Data Breach : Sensitive personal data has been compromised, and unauthorized parties may have accessed account details or reporting history.

FCRA Section 611 : Discrepancies between the reported information and my actual credit history, affecting my ability to secure loans or other financial services.

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 2025-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Approve Holdings, Inc
State: TX

Complaint narrative:
Issue : Misleading loan terms/ False advertising Company : XXXX XXXX ( and/or XXXX  ) Problem Category : Incorrect payment schedule / False promise / Misrepresentation Complaint text : I refinanced my vehicle on XX/XX/year>. I was clearly promised : First : XXXX months with no payments Later : XXXX  days with no payments Their website also advertises up to XXXX days with no payments However, the company scheduled a payment for XX/XX/XXXX, which is only XXXX  days after funding. 

This is clear misrepresentation, false advertising, and a breach of verbal agreement. 
I have screenshots, chat messages, and timestamps proving all promises made to me. 

This misinformation caused financial disruption, stress, and time loss. 

I am requesting : 1. Correction of my no-payment period ( minimum XXXX days, preferably XXXX days ) 2. A {$2500.00} compensation for the damages and inconvenience 3. Assurance that this misleading practice will be corrected I am attaching screenshots as evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MS

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-12-01 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: NY

Complaint narrative:
I am disputing the following accounts because the information being reported is not accurate, not complete, or can not be verified. I am asking Experian to conduct a full reinvestigation pursuant to the FCRA.

Charged Off 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 Late Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-12-01 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: AZ

Complaint narrative:
At this stage, the only appropriate and fair resolution is the complete removal of the inaccurate information from my credit report. After multiple disputes and unanswered requests for verification, it has become clear that these accounts can not be substantiated with verifiable, accurate records. Therefore, continued reporting of such information violates the principles of accuracy and fairness required under federal law.

I am respectfully urging that this matter be given proper attention and that all unverifiable or inaccurate items be permanently removed from my credit file. This correction would not only restore accuracy to my report but also allow me to move forward without the emotional and financial toll of errors that I have tried so hard to correct. I am simply asking for fairness, accuracy, and closure to an issue that should have been resolved long ago.

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 2025-12-01 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: CA

Complaint narrative:
I am issuing this formal and final demand for the immediate deletion of all fraudulent, inaccurate, unauthorized, and damaging accounts, inquiries, and public records from my credit file. These items are the direct result of identity theft and are being reported in violation of the Fair Credit Reporting Act ( FCRA ). Under FCRA 605B, 607 ( b ), and 611 ( a ), you are legally obligated to block and delete all fraudulent or unverifiable information within four ( 4 ) business days of receiving my FTC Identity Theft Report and supporting documents. Any delay, negligence, or continued reporting of this false information will be considered willful noncompliance and a serious violation of federal law. Be advised that I will pursue legal action under FCRA 616 and 617 for statutory, actual, and punitive damages. This is your final warning delete all fraudulent and inaccurate data immediately or face legal consequences.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-01 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: IL

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts and inquiries listed on my credit report, which I believe are inaccurate or outdated. Below are the details of the accounts in question, separated by bureau. 

Charged Off Accounts : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$240.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$960.00} XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$940.00XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2025-12-01 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: NY

Complaint narrative:
DO NOT send me any stall letters to delay or misdirect this investigation this complaint is authorized BY ME. I am formally disputing the inaccurate, unverifiable, and unauthorized information currently being reported on my credit file, which has caused significant harm to my creditworthiness and violated my consumer rights under federal law. In accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am demanding a full and reasonable reinvestigation into all derogatory accounts, personal data errors, and hard inquiries. Under 15 U.S.C. 1681i ( a ), the credit bureaus are required to investigate disputed information, and I demand strict compliance with this statute, including the Method of Verification ( MOV ) under 15 U.S.C. 1681i ( a ) ( 7 ). For each item in question, I am requesting original source documentation specifically a signed contract bearing my signature, a complete account history, proof of permissible purpose under 15 U.S.C. 1681b, and all communications between the credit bureau and the furnisher of the information. As a victim of the Equifax Data Breach and TransUnion Data Incident, my personal information has been found on the dark web, raising serious concerns about identity theft and misuse. The Consumer Financial Protection Bureau ( CFPB ) has taken action against Equifax for improper handling of consumer disputes, and I have every reason to question the legitimacy and accuracy of the data currently being reported. I am scared and extremely worried because I do not know who has my information or how its being used. This is why yall keep getting sued by consumers like me because you continue to overlook clear violations and fail to properly investigate disputed data. If you are unable to provide verified, legally admissible documentation for each disputed item, you are required under 15 U.S.C. 1681i ( a ) ( 5 ) to delete the information immediately. Noncompliance will be viewed as a willful violation of the FCRA under 15 U.S.C. 1681n, and I am fully prepared to escalate this matter with formal complaints to the CFPB, FTC, and my State Attorney General. I expect a complete, legally compliant response within 30 days, as required by law. Attached are copies of my drivers license, social security card, and proof of address for identity verification. DO NOT add any fraud alerts. DO NOT add any personal statements to my credit profile. Please read this letter in its entirety before responding.

Here is a list of inaccurate, unverifiable, and unauthorized information that must be investigated and resolved : Account Name : XX/XX/XXXX Account Number : XXXXXX/XX/XXXXInquiries : XX/XX/XXXXXX/XX/year>

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