vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: AR

Complaint narrative:
Please proceed with the removal of these unauthorized accounts from my credit report. I did not authorize their creation and was unaware of their presence. Pursuant to USC 1681g, I formally request their deletion within 15 days. Enclosed are the supporting documents.

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 2025-08-27 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I have previously disputed Experian and Equifax and regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2025-08-27 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-27 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: FL

Complaint narrative:
I need you to look into the mistakes that is currently being reported on my credit report. It contains numerous errors that I can no longer ignore. Ive reviewed it thoroughly and there are fraudulent information that Ive never authorized nor benefited from. I demand for immediate correction of my file and I need you to make sure sure all my information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-27 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: CA

Complaint narrative:
I am filing this complaint against TransUnion XXXX XXXX XXXX for blatant and ongoing violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in connection with fraudulent accounts that resulted from identity theft. Despite submitting a full FTC Identity Theft Report, supporting documentation, and clear evidence of fraud, TransUnion has failed to comply with multiple sections of federal law. They have not conducted a reasonable investigation as required under 15 U.S.C. 1681i ( a ) ( 1 ), and instead ignored the evidence I provided while allowing fraudulent accounts to remain on my file. They also failed to provide me with the required investigation results within the 30-day statutory timeframe, in direct violation of 15 U.S.C. 1681i ( a ) ( 6 ). Furthermore, they failed to block fraudulent information after receiving my FTC Identity Theft Report, in violation of 15 U.S.C. 1681c-2.

These failures are not minor mistakes but willful misconduct that continues to cause me serious harm. TransUnion is knowingly allowing fraudulent XXXX XXXX accounts ( Account Nos. XXXX ) to remain on my credit report despite clear proof that these accounts were opened without my authorization and confirmed as identity theft. Their unlawful inaction has severely damaged my credit, caused emotional distress, and placed me at ongoing risk of financial harm. Federal courts, including Cushman v. TransUnion Corp. ( 1997 ), Dennis v. BEH-1, LLC ( 2002 ), and Ramirez v. TransUnion LLC ( 2021 ), have made it clear that credit reporting agencies can not ignore their statutory obligations, yet TransUnion continues to willfully disregard them.

I request that the CFPB immediately order TransUnion to remove and permanently block all
fraudulent XXXX XXXX accounts tied to my stolen identity, provide me with a full written explanation of their reinvestigation process and results, and take corrective action to ensure full compliance with the FCRA. In addition, I request that TransUnion be held accountable for the damages I have suffered due to their willful negligence and misconduct, including statutory and punitive damages as permitted under 15 U.S.C. 1681n and 1681o. TransUnion has been given notice and failed to act, and I ask the CFPB to compel immediate corrective action and hold them fully liable for their unlawful behavior.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: NC

Complaint narrative:
I submitted a dispute to Experian regarding inaccurate reporting on my credit file. Instead of conducting a reinvestigation, Experian responded that my dispute does not appear to have been submitted on my behalf. I am very disappointed with this response, as it violates my rights under the Fair Credit Reporting Act ( FCRA ).

FCRA 609 ( 15 U.S.C. 1681g ) provides me the right to access my file and to dispute inaccuracies either directly or through an authorized representative. If Experian questioned the authorization of my dispute, they were required to follow reasonable procedures to verify this, not dismiss it outright.

FCRA 611 ( 15 U.S.C. 1681i ) requires Experian to conduct a reinvestigation of disputed information and correct or delete any information that can not be verified. This was not done.

FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ) requires furnishers to correct and update information they find to be incomplete or inaccurate. Experian continues to report inconsistent and inaccurate data.

FCRA 1666 requires that reported information be fair, accurate, and complete.

Inaccurate Accounts Reported by Experian : DEPT OF EDUCATIONXXXX Multiple accounts are reported with 90-day and 120-day delinquencies ( XXXX XXXX ) without any prior 30-day or 60-day late entries. This is inaccurate and inconsistent with standard reporting practices.

The delinquency months listed with Experian differ from those reported by XXXX, showing inconsistency across bureaus. 

XXXX  XXXX Account No. XXXX Balance {$0.00} Payment history not properly reflected. 

XXXX XXXX Account No. XXXX Balance {$0.00} Reported as 30-day and 60-day late in XXXX and XX/XX/XXXX, but information is inconsistent across bureaus.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have received a copy of my credit report, and there are late payments that are being recorded which are inaccurate.My name and address are wrong, and I want only my legal name and one address reporting on my credit report. ATTENTION DISPUTE DEPARTMENT I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong in my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX 2. PLEASE UPDATE MY ADDRESS TO : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 3. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX 5. MY ONLY EMPLOYER IS : I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT.

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all
other addresses from my report, as they are not deliverable to me by the U.S. Post Office and are not reportable under the FCRA due to their inaccuracy.

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA.

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day
timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 
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 2025-08-27 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: FL

Complaint narrative:
Consumer Name : XXXX XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, XXXX, and XXXX  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. These are the fraudulent, inaccurate, and false information ; Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX, Account Name : XXXX, Account Number : XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the 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 # ( XXXX ) 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 2025-08-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: COLLECTIONS USA, INC.
State: CA

Complaint narrative:
I attempted to pay the debt of {$150.00} on the Collection USA website, however when I put the account number # XXXX ( no account was found in the Collection USA system. I have uploaded a snap shot of me attempting the pay this account. If no account is listed or able to be verified online this account on Collection USA that means that this account is not valid on my credit report because the account does not exist in the Collection USA system website. Please remove this account, which is not valid in there system ( Collection USA ) website with the account number shown on my credit report. Inaccurate information is showing on my credit report. The proof has been uploaded. Please remove if the account is not found on their collection usaXXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am filing a new complaint because Comenity Bank has failed to fully resolve fraudulent charges on my XXXX XXXX credit card account ( under the name XXXX XXXX ). 

On XX/XX/XXXX, two fraudulent charges totaling {$740.00} were posted. 

In XX/XX/XXXX, Comenity stated the charges were credited and issued a letter in XX/XX/XXXX ( XXXX ) confirming I was not responsible.

However, the credits were misapplied to an expired promotional plan, and my account continued to accrue interest and late fees. 

As of my XX/XX/XXXX statement, I still show a {$380.00} balance tied to these charges, including a new {$30.00} late fee and {$9.00} interest. 

On XX/XX/XXXX, Comenity admitted via secure message that my original fraud dispute was never completed and only now has been forwarded for proper review.

-- - Comenitys Final Response In their final response packet, Comenity admitted instances where your account was not serviced to our standards and provided a {$460.00} credit for late fees and finance charges. However, this was insufficient, as the fraudulent balance remains. Their letter does not ensure correction with the credit bureaus or guarantee that the account will not be reported negatively.

-- - Why This Remains Unresolved 1. Fraudulent charges remain on the account despite a determination in my favor. 2. Balance of {$380.00} continues to generate fees and interest. 3. Credit bureau reporting not corrected they claim reporting is accurate without removing the
disputed balance.

4. Comenity admitted my dispute was never properly completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: CA

Complaint narrative:
XXXX flagged my account as 30 days late, then 60 days late. My accounts have not been 60 days late ; I have multiple accounts with them, hence I believe they are flagging all of them as late when they are not. Please fix immediately, I am in the process of prequalifying for a home and this is significantly impacting my credit.

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 2025-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My name is XXXX XXXX and this complaint is for my mom XXXX XXXX too please add this document to her dispute number XXXX and if it is denied please reopen it or appeal to be reopen and investigated again because we disagree with the old decision and want a new decision and also review and appeal or reopen any denied claims disputes or rejected and closed ones without provisional credit given or final permanent credits given or added to the account also reopen them and investigate them and appeal them to be reopen and investigated again because we disagree with the decision was made and we want a new decision Checking Account : XXXX and - Savings Account : information is XXXX etc.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am extremely frustrated to see that the inaccurate late payments are still appearing on my credit report today, and I can not understand why this issue hasnt been fixed. Even after refreshing, nothing changed. I urgently need the documents I submitted to be reviewed properly so that I can finally have peace of mind.

Company response to consumer: Closed with non-monetary relief