vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ACIMA CREDIT, LLC
State: CA

Complaint narrative:
Please help me against Acima. I'm not sure what else I'm supposed to do. They keep reporting an account on my credit report which is identity theft. I've sent them identity theft reports, police reports, and letters asking them to remove this account from my report. I've submitted letters to the XXXX bureaus asking them to remove this account from my report. I've called and spoken to them about this as well. Nothing works. They just keep reporting and playing games with me. 

Just this Monday I spoke to them along with a consumer advocate I hired to help me since I get nowhere by myself. We spoke on the phone with them for almost an hour and spoke with multiple people like XXXX and a supervisor. They said they were going to remove this from my report and send me an e-mail within XXXX hours saying as such. They never did. We call them back today, and we are on the phone for almost an hour as well. This time instead of fixing the problem or doing what they promised, between XXXX and the supervisor XXXX, they said we needed to send them an e-mail to XXXX. 

I've had it with them. I've been fighting with them for a long time. Most recently, since XXXX. If they are not going to take me seriously, then I'm filing this complaint. If they don't take me seriously after that, then I'll hire an attorney. I won't XXXX  their incompetence anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
CFPB Complaint Your Name : XXXX XXXX XXXX XXXX. 
Address : XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX SSN ( Last XXXX digits ) : XXXX Date : XX/XX/2025 Company Youre Complaining About : XXXX XXXX XXXX, XXXX Also Report the Bureaus Involved : Equifax, Experian, TransUnion What is the issue youre experiencing? 
Incorrect information on my credit report a debt collector and original creditors are both reporting the same accounts as delinquent and showing balances. 

What happened? 
I am submitting this complaint because XXXX XXXX XXXX ( XXXX ) is reporting multiple collection accounts on my credit reports that are also being actively reported by the original creditors each showing balances owed and delinquency statuses simultaneously. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The original creditors are still reporting balances and current delinquency statuses on these same debts, which means that both the collector and the original creditor are reporting the same debt as active and owed a clear violation of the Fair Credit Reporting Act ( FCRA ). 
Under the law, only XXXX party can legally report an outstanding balance at a time. Once a debt is sold or transferred, the original creditor is required to update the balance to {$0.00}. The simultaneous reporting of open balances by both XXXX and the original creditor inflates my apparent debt burden, misrepresents my credit profile, and harms my creditworthiness. 
I have disputed this with the credit bureaus ( Equifax, Experian, and TransUnion ), but the accounts remain and appear to have been simply verified without any meaningful investigation or correction. 
This is a violation of : FCRA XXXX ( b ) Obligation to report accurate and complete information ; FCRA XXXX Obligation to reasonably investigate disputed information ; FDCPA XXXX ( XXXX ) Prohibition of false or misleading representation of the legal status of a debt. 
I believe this is an unfair and deceptive collection and reporting practice, and it is causing real and ongoing harm to my credit and finances. 

What would be a fair resolution to your issue? 
The immediate deletion of all XXXX XXXX XXXX accounts listed above from my credit reports ; A full investigation into the duplicate reporting of balances by both XXXX and the original creditors ; Written confirmation from the credit bureaus that the items have been permanently removed and will not be reinserted unless fully verified and legally compliant ; Appropriate enforcement action to ensure XXXX and the credit bureaus cease unlawful and misleading credit reporting practices. 


Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: TX

Complaint narrative:
My personal information was exposed to XXXX XXXX breach and my identification and i do not recognize these accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX a XXXX capital XXXX XXXX self XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX us dept of 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 2025-06-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
My personal information was exposed to XXXX XXXX breach and my identification and i do not recognize these accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX a XXXX capital XXXX XXXX self XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX us dept of XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

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 2025-06-27 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I'm writing to impart my uneasiness with respect to the challenged records on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably referenced that they be totally analyzed. No matter what my undertakings, I by and by just can't get any objective or helpful movement. These off-base records are genuinely hurting my credit archive and forestalling my ability to continue with a normal life. The unfriendly outcomes of these mistakes have caused tremendous hardships for me, and I'm left with no choice aside from to contend for your assistance with reviewing what is happening rapidly. I liberally request that you direct a cautious assessment concerning the noteworthy of all of these challenged records. It is essential that the principal propels are taken to revive and revise my credit report right away. With your help, I want to restore the precision and dependability of my credit record so I could recover control over my money related success. I really request that you offer this matter your most outrageous thought and take a fast action. Your support and moving in settling this issue quickly would be very significant. Much gratitude to you early on for your perception and help.

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 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

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 2025-06-27 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I had a purchase that I made online to order a bedroom lamp on XXXX with my Apple Credit Card ( Goldman Sachss ) the seller ended up messaging me and telling me the product was out of stock multiple days later, but by then it was too late to cancel the order with XXXX XXXX  merchant ) and the seller refused to cancel the order due to their reputation/ratings being affected. I reported the charge to my credit card company ( Apple Card ) and I sent them all the messages and the conversations with the seller proving that they could not send me my item so apply could just reverse the charge and fix it for me. Somehow the dispute ended up NOT going in my favor so I submitted yet another dispute and spoke with multiple people at Apple ( Goldman Sachss ) and they all said the issue was very weird and shouldnt be getting reversed not in my favor, after the second try the dispute still didnt go in my favor, and they are forcing me to pay {$450.00} due on this card from a transaction I never even received.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I opened a Dell Pay Credit account with Comenity Capital Bank in XXXX of XXXX to buy my son a computer for college. I had a XXXX % interest promotional balance. 

I paid more than the minimum payment every month to make sure that the balance would be manageable and so that I could pay on time. I realized too late that I paid my last {$200.00} payment later than the promotional period expiration date. 

They never sent me a reminder that the promotional balance was expiring -- if they had, I would have corrected my error right away. I have an excellent credit score and always pay my bills. 

Instead of owing {$200.00}, I now owe an additional {$670.00}. I understand that the accrued interest is the penalty for paying late, but it feels deeply unfair. I called the company to beg for leniency and they wouldn't give it. 

This feels like a predatory fine for an error -- I got my months mixed up and paid XXXX days late. It feels like there ought to be another option that isn't so steep. 

Is there any help you can offer?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Account reinstatement or redemption after repossession
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
Issue : Auto loan vehicle repossession Company : Chrysler Capital What happened : I was on temporary disability leave and unable to work when I fell behind on my auto loan with Chrysler Capital. I contacted them to request a deferment or hardship accommodation and explained my circumstances. I was told it didnt matter and was given no options to bring the account current. 

Chrysler Capital repossessed my vehicle without sending any formal written noticeno certified letter, no email, no official correspondence about the default or my rights. After repossession, they refused to allow reinstatement unless I paid the entire loan balance. I believe this is an unethical and potentially illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Today, XX/XX/year>, I recieved an alert that an account that was established fraudulently and removed per my FTC report XXXX XXXXXXXX dated XX/XX/year> has appeared back on my Equifax report from a XXXXXXXX XXXX. Have Equifax to comply with the laws of the land and delete this fraudulently established account now. Moreover, I am recieving calls and messages from XXXX XXXX XXXX companies XXXX named XXXX and another named XXXX XXXX. I didnt establish accounts with them either they are threatening legal action ( XXXX ) even though we have no binding agreements whatsoever.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: CBC Companies, Inc.
State: PA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: NV

Complaint narrative:
XX/XX/year> - I disputed false information on my Equifax report because they somehow decided to change the year of my birthday. I submitted my driver 's license with the dispute, only for them to tell me I need to submit my driver 's license for verification later on the same day. 

XX/XX/year> - when I called them, I couldn't understand anything the customer service rep was saying. He continued to keep asking for codes sent as SMS and he was provided with them- he would put me on hold and come back and ask for the same thing. He did this XXXX times, playing XXXX  games. Finally, he rambled a bunch of nonsense i couldn't understand. 

I can not complete my mortgage loan without their cooperation. I have sent them supporting documents and they just ignore them in their disputes. Their customer service just tells you to continue sending it in the same way, only for them to ignore the supporting documents. It is a simple YEAR change and they are the only credit bureau that has the wrong year of my birthday and should not be this difficult and obnoxious to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I was shocked to discover that my credit report has been accessed without my consent. Applications were submitted in my name, and companies pulled my credit without my knowledge or authorization. I do not recognize these inquiries, nor did I apply to or engage with these entities in any way. This is a clear violation of my rights as a consumer, and its deeply insulting as someone who respects the law and takes financial responsibility seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: PlusFour, Inc
State: NV

Complaint narrative:
I sent a check to pay my account off. Payment was accepted based on the amount I proposed and they are still trying to collect the full debt. I have tried to send communication to resolve this and they have not addressed this issue or my complaint.

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 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Synergetic Communication Inc
State: OH

Complaint narrative:
I believe that a certain person/ property management from XXXX XXXX XXXX XXXX and purposely reported a debt that they know for a fact that I don't owe, due to malicious intent and out of spite for their dislike towards me. They used old outdated documentation to report a debt that I do not owe to damage my credit. The dates that XXXX XXXX claimed that I owe for unpaid rent, repairs, move out date, and etc I was not living in the unit. My children and I were formally removed XX/XX/year>. XXXX XXXX XXXX was informed of this information XX/XX/year> because they were given a copy of the new updated leasing contract from the XXXX XXXX and I also gave a 30 days move out notice/ signing documentation with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation