vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: FL

Complaint narrative:
I have read my credit report and I see an inaccurate and unlawful account. It has several late payments which are erroneous. The information listed is not aligned whit the other bureaus. This is a big violation of FCRA, please verify these late payments that you claim I did commit. SEND ME documents such as contracts, billing statements, signed agreements and the representatives you spoke whit who verified it WITH AN affidavit. If the requested documents are not met. Please remove these erroneous and unlawful late payments on my payment history like Equifax did. 

I DID MY RESEARCH AND HERE ARE THE LAWS YOU ARE VIOLATING : 15 U.S. Code ss 1681e ( b ), it's crucial that consumer reporting agencies take reasonable steps to ensure the highest possible accuracy of the information concerning an individual in their reports.

15 U.S. Code ss 1681 e ( b ), it is stated that when a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the highest possible accuracy of the information concerning the individual. 

I am fully aware the under 15 U.S. Code ss 1681 ( 5 ), it is stipulated that if, after a reinvestigation, any disputed information is found to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must promptly delete or modify that information accordingly and notify the information furnisher of the changes.

15 U.S. Code 1681s-2, specifically, the Responsibilities of furnishers of information to consumer reporting agencies, it is noted that within 30 days, you did not properly indicate that this account was under dispute, thereby resulting in a violation of this provision.

15 U.S. Code 1682n ( b ) civil liability of a natural person I've been violated.

My disputes are detailed and directly related to the accounts in question. A template response WILL NOT BE acceptable response. If, within 15 days after your investigation, you are unable to provide me with verifiable proof, you are obligated to remove erroneous and unlawful late payments on my payment history. Listed below These account should not reflect as negative : XXXX XXXX XXXX XX/XX/year> PLEASE Delete late payments.THANKS YOU

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I submitted a dispute to Experian regarding a XXXX XXXX credit card account that was charged off. The last payment on the account was made on XX/XX/XXXX. I live in XXXX, where the statute of limitations on debt collection is XXXX years. That means this account became time-barred and legally uncollectible as of XX/XX/XXXX. 

Despite this, Experian continues to report a {$10000.00} balance as of XX/XX/XXXX. I requested written dispute results, but they refused to provide them in writing and only told me to call, which violates my rights under the Fair Credit Reporting Act ( FCRA ). 

I also sent XXXX written letters directly to XXXX XXXX regarding the same account. They responded only by telling me to call, without addressing the dispute in writing. I am requesting that Experian delete this outdated, time-barred account from my XXXX XXXXt and provide proper written dispute results as required by law.

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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Attached to this complaint are the conversations between the company and I. Also attached is my credit card information that shows the inaccuracy of the late payments that are currently on my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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:
I am a victim of XXXX The information listed below, which appears on my XXXX XXXX, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

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 2025-07-06 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Ally Financial XXXX XXXX Ally Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-06 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: OK

Complaint narrative:
account with XXXX showing on transunion credit report from XXXX, the payment received says {$0.00} my high credit balance shows {$40000.00} pay status = Paid, closed, was paid as agreed {$0.00} per month, paid monthly for XXXX  months paid monthly for XXXX  months date closed XX/XX/year>. Under payment history it shows XXXX XXXX XXXX days late, XXXX XXXX XXXX days late, XXXX XXXX XXXX days late, XXXX XXXX XXXX  days late. The information is incorrect and hurting my 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 non-monetary relief
Consumer complaint received 2025-07-06 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my XXXX XXXX. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my XXXX XXXX  because, in your opinion, you believe that I have used a XXXX party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-06 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my XXXX XXXX. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my XXXX XXXX  because, in your opinion, you believe that I have used a XXXX party credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: VA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my XXXX XXXX. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I

have tried to get a free credit report from Experian. I get this message " We're sorry A condition exists that prevents Experian from being able to accept your request at this time. To obtain your Experian annual credit report, please mail your request to the address below using the Annual Credit Report Request form. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' If I have to mail a request for a " free '' credit report, then it is not free. I must pay for a stamp. 

For three years Experian has had the " condition '' which prevents them from giving me my free credit report.

Is there anything you can do to get them to start offering a genuine free 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 2025-07-06 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: KS

Complaint narrative:
I am filing a complaint against Equifax for unlawfully readding a previously deleted account back onto my credit report in violation of the Fair Credit Reporting Act ( FCRA ), 611 ( a ) ( 5 ) ( B ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ]. 
The account in question is : Creditor Name : XXXX XXXX Partial Account Number : XXXX Date of Original Removal : XX/XX/year> Date of Reinsertion : XX/XX/year> This account was previously deleted following a dispute. However, it was recently reinserted into my credit file without any notification or certification, both of which are required under FCRA 611 ( a ) ( 5 ) ( B ). The law mandates that if any previously deleted information is reinserted, the consumer must be notified within five business days and the furnisher must certify the accuracy of the information before reinsertion. 

I have not received any notice of this reinsertion nor have I received any proof of certification. This failure is a direct violation of my rights under federal law and has caused reputational and financial harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
Permissible Purpose Challenge and Identity Theft Statement XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX : XX/XX/XXXX SSN Last XXXX : XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXXXXXX Washington XXXX DC XXXX Subject : Demand for Investigation, Permissible Purpose Validation, and Permanent Removal of Fraudulent Items To Whom It May Concern, My name is XXXX XXXX XXXX, and I am a victim of identity theft. I am submitting this sworn and notarized statement to demand the immediate investigation and permanent deletion of fraudulent, inaccurate, or unauthorized information reported to credit bureaus that is harming my financial reputation. 

These items were reported without my knowledge, consent, or authorization. I am formally challenging the permissible purpose of the following inquiries and accounts under the Fair Credit Reporting Act ( FCRA ), which requires that all users of my credit report have a legitimate and authorized reason to access or report data. 



Unauthorized Hard Inquiries to Be Removed XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Account XXXX XXXX Acct # XXXX | Reported : XX/XX/XXXX | Balance : {$110.00} Late Payments from Fraudulent or Disputed Accounts ComenityCB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Closed/Charged-Off Accounts XXXX XXXX XXXX XXXX XXXXXXXX / XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX / XXXX XXXX XXXX Acct # XXXX XXXX : XX/XX/XXXX XXXX / XXXX XXXX XXXX Acct # XXXX XXXX XXXX XX/XX/XXXX XXXX Acct # XXXX XXXX XXXX XXXX # XXXX Reported : XX/XX/XXXX Cease and Desist Demand I hereby demand that : 1. These accounts and inquiries be fully investigated.

2. Documentation proving permissible purpose be provided.

3. All disputed items be deleted permanently if not fully validated.

4. My rights under FCRA Sections 604, 616, and 617 be respected.

Failure to comply will result in legal action, formal complaints to the FTC, and continued follow-up until this matter is resolved. I am requesting immediate action to prevent continued harm to my credit and financial well-being. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was notified the I have a Wells Fargo Credit card that is delinquent more than 90 days, I have never had a credit card with Wells Fargo, in my name with an authorized user as XXXX XXXX, I have no knowledge of this person, and the card was sent to XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX or either XXXX XXXX  XXXX XXXX XXXX NV XXXX. I have never lived at either address I have always lived in Georgia and have no knowledge of a XXXX XXXX. They allowed over {$13000.00} to be charged on this card. I called XXXX  and disputed the cards that this person attempted to get, 4 were flagged as fraud at the time the cards were trying to be actived but wells fargo security department didnt investigate this at all. Wells Fargo called me about XXXX weeks ago and I spoke to XXXX XXXX in the fraud department and he stated that he can see this was fraud anfd they were removing this from my credit but I received an updated report from XXXX  and Wells Fargo verified that this is my account, they never sent me the info that I requested about this account. This account has lowered my credit score by XXXX points.. Please help me with this I didnt charge anything on this card and this should be removed from 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 2025-07-06 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/year> XXXX XXXX RE : Dispute and Validation Request for Account Number : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " XXXX XXXX '' in the amount of {$170.00}, associated with account number XXXX XXXX XXXX XXXX XXXX. This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC 9-210 ) to demand full validation.

I request the following documentation : 1. The original signed credit agreement bearing my wet signature.

2. Full itemization of the alleged debt, including all interest and fees.

3. Proof of assignment or transfer of the debt, including the complete chain of custody.

4. Any pooling or securitization agreements involving this account.

5. Confirmation of whether a Form 1099-C was issued.

6. A complete accounting of the obligation from origination to present.

If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the Attorney General. 

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 2025-07-06 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Date : XX/XX/2025 XXXX XXXX RE : Dispute and Validation Request for Account Number : XXXX XXXX XXXX XXXX XXXX To Whom It May Concern, I am writing to formally dispute and request validation of the account being reported under the name " XXXX XXXX '' in the amount of {$170.00}, associated with account number XXXX XXXX XXXX XXXX  XXXX. This account is listed as charged off or in collection status on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Uniform Commercial Code ( UCC 9-210 ) to demand full validation.

I request the following documentation : 1. The original signed credit agreement bearing my wet signature.

2. Full itemization of the alleged debt, including all interest and fees.

3. Proof of assignment or transfer of the debt, including the complete chain of custody.

4. Any pooling or securitization agreements involving this account.

5. Confirmation of whether a Form 1099-C was issued.

6. A complete accounting of the obligation from origination to present. 

If you are unable to fully validate this account, I demand immediate deletion of the tradeline from all consumer reporting agencies. Failure to comply will result in formal complaints to the CFPB, FTC, IRS, and the Attorney General. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: OK

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXXXXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXXXXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian

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