vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I reviewed my credit report and found that the account reported by Comenity CapitalXXXX contains inconsistent and unverifiable information across all three credit bureaus. Although the balance is {$0.00} and the account is marked as charged off, the bureaus report conflicting statuses : XXXX  shows the account as " Charged off as bad debt '' with status " Indeterminate '' XXXX  shows the same account as a " Charge Card '' and also " Charge-off '' XXXX  reports it as " Pays account as agreed '' and " Open, '' which directly contradicts the other two In addition, the high credit and credit limit amounts are different among the bureaus ( {$450.00} vs. {$600.00} vs. {$1000.00} ), and the dates of last activity and last payment are not consistent.

I requested verification of this account under FCRA 609 ( a ), and to date, I have not received any documentation to support the accuracy of the reported information. This account is being reported with material discrepancies and has not been validated as required by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Payfare International Inc.
State: MD

Complaint narrative:
Had two unauthorized purchases made with my XXXX debit through XXXX XXXX. I did not approve either transaction. ( XXXX and XXXX from same company ) They refused and said they did not have responsibility to dispute. I asked to escalate. Now my account is suspended and they are holding an additional XXXX hostage. I can not withdraw the funds into another bank or withdraw at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc .

regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

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 explanation
Consumer complaint received 2025-07-08 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:
XXXX XXXX XXXX XXXX XXXX XXXX La XXXX XXXX XXXX Subject : Request to Block Fraudulent Information Under 15 U.S.C. 1681c2 ( FCRA ) To Whom It May Concern, I am writing to formally request that you block certain information on my credit report that is the result of identity theft, in accordance with 15 U.S. Code 1681c2 of the Fair Credit Reporting Act ( FCRA ).

I have identified the following fraudulent item ( s ) on my credit report : - Creditor Name-XXXX XXXX XXXX - Account Number : XXXX - Date Opened : XX/XX/year> - Reason : I did not authorize or open this account. I believe it was opened fraudulently in my name which also has discrepancies in balance and late payment history with each bureau.

Enclosed with this letter, I am providing the required documentation : 1. A copy of my government-issued photo ID ( proof of identity ).

2. A copy of a recent utility bill or bank statement ( proof of address ).

3. A copy of my police report or FTC Identity Theft Report.

4. A signed statement declaring that I did not initiate or authorize the listed transaction ( s ) and that they are the result of identity theft.

Please initiate a block on the above-mentioned fraudulent information within the 4 business days required by law and confirm in writing once the block is in place.

If you need additional information, feel free to contact me at the number or email above. 

Sincerely, XXXX XXXX Enclosures : - Copy of ID - Proof of address - Police/FTC Identity Theft Report - Written statement of fraud - Screenshots of inaccuracy

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 2025-07-08 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2025 I received a notice saying that my account is being closed. I have had several situations with this account and banking institution where I was accused of doing inappropriate things on my account which turned out to not be true and now I received a notice from a USAA employee saying that I had a overdraft and that I needed to take care of it however when I attempted to do this my card wouldnt work nor XXXX so that I could handle the negative balance. Well out of the blue I am being told that my account will be closed when I havent done anything wrong with my account.

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 2025-07-08 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: CT

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: GA

Complaint narrative:
b'I am filing this complaint against Equifax for violating my rights under the Fair Credit Reporting Act (FCRA) by reporting inaccurate personal information, unverifiable derogatory accounts, and unauthorized inquiries on my credit report. I previously submitted disputes directly to Equifax, but they have failed to take corrective action in accordance with federal law.\n\nBelow are the key issues:\nWrong Personal Information:XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX GA XXXXThese addresses are incorrect and have never been associated with me. Equifaxs failure to remove these after my dispute violates FCRA 602(a) and 607(b) regarding the accuracy of consumer-identifying information.\n\nUnverified Derogatory Accounts:XXXX XXXX (Opened XX/XX/XXXX Balance: XXXX): This charge-off is being reported without any notice of default, validation of the debt, or signed agreement. This is a violation of FCRA 623 and FDCPA 809.XXXX  (Opened XX/XX/XXXX, Balance: $XXXX): The account is marked as late despite having a XXXX  balance, which is logically and legally inconsistent and violates FCRA 607(b).\XXXX XXXX XXXX (OpenedXX/XX/XXXX High Balance: $XXXX): A late payment is listed without any evidence of billing, delinquency, or communication. No proper verification was provided, violating FCRA 611.XXXX XXXX XXXX  (Accounts dated XX/XX/XXXX & XX/XX/XXXX with balances ranging from XXXX XXXX XXXX): These medical collections were reported without prior consumer notice, itemization of charges, or validation. Some accounts appear to be duplicates or inflated balances, violating FCRA 604, 609, and FDCPA 809(a).\n\nUnauthorized Hard Inquiries:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXI did not authorize any of these inquiries, nor did I apply for credit with these companies. Reporting unauthorized inquiries is a direct violation of FCRA 604(a), which states that consumer reports may only be accessed with consumer permission or for a permissible purpose.\n\nRequested Relief:\nImmediate deletion of all inaccurate, unverifiable, and unauthorized items listed above.\n\nA full regulatory investigation into Equifaxs handling of credit disputes and compliance with the FCRA.\n\nAssurance that Equifax will conduct fair reinvestigations in the future and uphold consumer rights.\n\nThe continued presence of these items is damaging my credit score and limiting my financial opportunities. I respectfully request the CFPBs intervention to ensure compliance and protect my consumer rights.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
It has come to my attention that a collection item has been placed on my credit report without any notification or opportunity for validation. I never received a letter, bill, or phone call regarding this matter and was unaware of its existence until reviewing my credit file.

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 2025-07-08 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:
This is my second time disputing the same unauthorized hard inquiry on my credit report. To date, I have not received any validation or supporting documentation to justify this inquiry. This ongoing inaccuracy is negatively affecting my credit profile.

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 2025-07-08 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCM Finance LLC
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a formal complaint against CCM Auto Finance regarding their failure to comply with an agreement made between us, which has resulted in an inaccurate entry on my credit report. 

Summary of the Issue : On [ XX/XX/XXXX ], I entered into an agreement with CCM Auto Finance where they explicitly assured me that if I returned the vehicle, they would not label it as a repossession and would not attempt to collect any remaining debt. Additionally, I was advised that I would have no balance due upon returning the vehicle. 

On [ date of communication from them, e.g., XX/XX/XXXX ], I received an email from CCM Auto Finance which went into my junk folder, and I responded to them on XX/XX/XXXX. During a follow-up conversation, I confirmed with a representative that I did not wish to take the vehicle back, but instead, I was open to allowing them to keep the non-functioning vehicle as collateral, with no balance due. I also have a written letter confirming this arrangement. 

Despite the agreement, CCM Auto Finance has failed to remove the {$100.00} balance that is still showing on my credit report. This is a violation of the terms agreed upon, and it continues to negatively affect my credit score. 

Details of the Complaint : Company Name : CCM Auto Finance Account Number : XXXX Complaint : CCM Auto Finance has incorrectly reported a remaining balance of {$100.00} on my credit report, despite their assurance that no balance would be due, and that the vehicle would not be considered a repossession. 

Supporting Documentation : I have attached the letter from CCM Auto Finance confirming the terms of the agreement, as well as a screenshot of the relevant portion of my credit report showing the disputed entry. 

Request for Resolution : Immediate removal of the {$100.00} balance from my credit report. 

A formal acknowledgment from CCM Auto Finance that they will honor the agreement and ensure no further issues regarding this matter. 

Confirmation that the vehicle was returned and that no further collection efforts or derogatory marks will be made on my credit. 

I kindly request your intervention in resolving this issue and ensuring that CCM Auto Finance adheres to the agreed-upon terms. I would appreciate it if you could assist me in resolving this matter as quickly as possible, as it is negatively affecting my credit and financial well-being. 

I did not receive any more communication after just an update to my credit profile XX/XX/XXXX showing {$100.00} and status repossession. They collected the vehicle on XX/XX/XXXX. 

Thank you for your time and attention to this complaint. 
Sincerely, [ XXXX XXXX XXXX ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: AZ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX  and Creditwise  are reporting that have a delinquent payment and have knocked my credit score down. They refuse to tell me what is delinquent and my credit report from other sources shows zero delinquent payments. I need them to remove the delinquent payment that they are showing and restore my credit score to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-07-08 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: IA

Complaint narrative:
I am filing this complaint in response to three charge-off accounts that are currently being reported on my XXXX, Equifax, and XXXX  credit reports : XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX  ), XXXX XXXX  XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX ), and XXXX  ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ). These accounts are being reported with derogatory charge-off statuses {$2300.00}, {$4900.00}, and {$15000.00} XXXX XXXX respectivelybut none of them should remain on my credit reports at this point, nor should they carry such damaging and outdated notations. 

These accounts are not only over a decade old in some cases, but theyve been settled, paid, or resolved through previous disputes. I have made every effort to clean up and maintain an accurate credit profile, not just for my financial health, but also for the stability of my family and long-term goals. Seeing these outdated charge-offs still appearingafter so many years and after taking the proper stepsfeels like a slap in the face. Its as if no matter how much work I put into building my credit back up, Im still being dragged down by errors or negligence from the very systems that are supposed to protect consumers. 

The emotional toll is significant. Ive had applications denied, rates increased, and opportunities lostnot because of who I am today, but because of outdated, possibly mishandled, and unverifiable data that continues to follow me like a shadow. I am not claiming fraud or identity theft, but I do strongly believe these entries may have persisted due to poor data maintenance or errors stemming from a data breach or record mismatch. These accounts are relics of the past, and their presence on my reports now is more damaging than informative. 

The Fair Credit Reporting Act ( FCRA ), under 15 U.S.C. 1681e ( b ), requires credit bureaus to maintain maximum possible accuracy in all consumer reporting. Once a dispute has been submitted, they are also bound under 15 U.S.C. 1681i to reinvestigate the item thoroughly. If the account can not be verified with current, accurate documentation, then it must be removed or corrected. Simply leaving the burden on the consumer indefinitely is not just unfairits unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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:
I recently identified an incorrect late payment entry on my credit report. I am confident that I met my payment obligation on time, and I have documentation available to support my claim.

Company response to consumer: Closed with explanation