vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: NY

Complaint narrative:
In accurate information was shared for profit illegally without my consent to other third-party companies. Also, I do not recognize any of the accounts that have negatives on it including payment history collections delinquencies charge offs this is not my account that is not even my name. My name is XXXX XXXX XXXX not XXXX XXXX Without the proper due diligence. My name and credit was smudged and then also sold XXXX XXXX, XXXX XXXX Equifax and Experian have already made the proper adjustments so have the FTC after I filed for identity theft XXXX has now been contacted on this matter if you do not comply within 14 days, My Attorney will seek further actions until this situation is resolved XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Re : FINAL ORDERIMMEDIATE REMOVAL OR VERIFIED CORRECTION OF DISPUTED ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX XXXX TO WHOM IT MAY CONCERN : This is XXXX XXXX your absolute, final, and legally binding order XXXX XXXX. You are XXXX XXXX forced by law and natural justice XXXX XXXX to XXXX XXXX cease all reporting XXXX XXXX of this account XXXX XXXX unless you produce lawful, original, signed proof of ownership and verification XXXX XXXX within XXXX XXXX 30 days XXXX XXXX. 

XXXX XXXX Failure XXXX XXXX  to comply XXXX XXXX will be XXXX XXXX considered XXXX XXXX flagrant violation of federal law and property rights XXXX XXXX, and I will XXXX XXXX  pursue every legal remedy available * * including damages, fines, criminal sanctions, and public exposure. 

You XXXX XXXX have no authority XXXX XXXX to report or investigate XXXX XXXX without lawful, signed consent XXXX XXXX. 
XXXX XXXX Unverifiable, unlawful, or outdated data XXXX XXXX XXXX XXXX must be removed XXXX XXXX XXXX XXXX immediately XXXX XXXX and XXXX XXXX all updates XXXX XXXX without lawful verification XXXX XXXX are invalid XXXX XXXX 

XXXX XXXX This is your XXXX warning. XXXX XXXX XXXX XXXX Respond within 30 days XXXX XXXX  with XXXX XXXX full, certified proof XXXX XXXX or XXXX XXXX  face the full weight of the law XXXX XXXX. 

XXXX XXXX  Your neglect or refusal to act XXXX XXXX XXXX XXXX will be used against you XXXX XXXX in court and regulatory proceedings. 

XXXX XXXX Respectfully, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: Experian Information Solutions Inc.
State: GA

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 XXXX 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 explanation
Consumer complaint received 2025-09-21 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2025-09-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SOFI TECHNOLOGIES, INC.
State: GA

Complaint narrative:
I have made payments on my loan and my loan balance is yet to change.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
I am formally disputing the following collections accounts reported on my credit report, as these accounts should be deleted according to 15 US 1681c-2, 605 B ( FCRA ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-21 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: TX

Complaint narrative:
XXXX XXXX XXXX is out of business yet is still reporting a false account on my credit reports. They are reporting a balance of {$1500.00} and listing XXXX XXXX XXXX ( XXXX ) as the original creditor. XXXX has confirmed in writing that the account was never sold, remains with them as a charge-off, and the true balance is {$1200.00}. XXXX also confirmed that XXXX XXXX XXXX was never authorized to report or collect on this account. This makes the reporting inaccurate under FCRA 1681s-2 ( a ) ( XXXX ) ( A ), which requires furnishers to report with maximum possible accuracy, and a false representation of authority under FDCPA 807 ( 2 ) ( A ). The Better Business Bureau has also informed me that XXXX XXXX XXXX could not be contacted for verification because the company is out of business, and I have attached that correspondence. This is a fraudulent and deceptive tradeline that is causing harm to me as a consumer. I am demanding immediate deletion of this account from all credit reports and requesting CFPB investigation into XXXX XXXX XXXX unlawful reporting practices

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 2025-09-21 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: NV

Complaint narrative:
Enclosed is a letter from XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX confirming : " your payment and obligations have been fulfilled there is no balance then we will request the credit bureaus delete the trade line '' and proximately 30 days after your final payment is posted despite this binding conformation this account remains on my credit report with derogatory information. This violates several the Fair credit reporting acts. Please complete reinvestigation and provide results within 30 days as required by the FCRAI did this myself, I'm not a credit prepare company Thank you. XXXX XXXX XXXX XX/XX/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 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Company : Equifax Information Services LLC/ Experian XXXXnformation Solutions Inc./TransUnion LLC Complaint : I am disputing XXXX accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1400.00} ; Credit XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$880.00} XXXX. 

I submitted disputes through Equifax/Experian/TransUnion . Within days, Equifax/Experian/TransUnion closed the investigations claiming the debts were verified as accurate. However, Equifax/Experian/TransUnion provided no documentation or evidence of any signed contract or legal chain of assignment. 

The furnisher ( XXXX/XXXX  ) has admitted in multiple CFPB responses that they refuse to provide a purchase & sale agreement and have only supplied billing statements and account summaries not a signed contract or proof of ownership. Equifax/Experian/TransUnion is reporting these items without actual verification.

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 2025-09-21 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: TX

Complaint narrative:
Company : Equifax Information Services LLC/ Experian XXXXnformation Solutions Inc./TransUnion LLC Complaint : I am disputing XXXX accounts reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, {$1400.00} ; Credit XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$880.00} XXXX. 

I submitted disputes through Equifax/Experian/TransUnion . Within days, Equifax/Experian/TransUnion closed the investigations claiming the debts were verified as accurate. However, Equifax/Experian/TransUnion provided no documentation or evidence of any signed contract or legal chain of assignment. 

The furnisher ( XXXX/XXXX  ) has admitted in multiple CFPB responses that they refuse to provide a purchase & sale agreement and have only supplied billing statements and account summaries not a signed contract or proof of ownership. Equifax/Experian/TransUnion is reporting these items without actual verification.

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 2025-09-21 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: PA

Complaint narrative:
I have been cleaning up my credit, with all the bureaus, and all my disputes with Experian have come back with no changes. They contine to keep information that is very old and creditors that I have never used. My scores with Experian are over XXXX points lower than Equifax and Transunion. I think Experian is aware that they are highly used, and this is intentional so they can bombard you with score boosting subscriptions. My disputes are being rejected to keep my score lower, to pressure me into paying to increase my score.

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 2025-09-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Systemic Deceptive Practices : TransUnion Misclassifying Identity Theft Packages to Evade FCRA 605B On XX/XX/XXXX, TransUnion notified me that my SSN and DOB were exposed in a data breach. Shortly afterward, fraudulent tradelines appeared on my credit file. 

On XX/XX/XXXX, I submitted FTC Identity Theft Report # XXXX, a sworn affidavit of non-ownership, my drivers license, and a XXXX utility bill. Under FCRA 605B ( c ) ( 2 ), TransUnion was required to block and delete these accounts within XXXX business days ( deadline : XX/XX/XXXX ). 

Instead, TransUnion misclassified my complete 605B block request as a XXXXday XXXX  reinvestigation. This is not an isolated error : XXXX, XXXX, and TransUnion have all engaged in the same systemic practice of misrouting identity theft packages into XXXX disputes, denying identity theft victims their statutory block rights. 

To prove my submissions were complete, here are complaint IDs where I consistently attached FTC report, ID, and proof of address : XXXX ( XX/XX/XXXX TransUnion  FTC XXXX ID, proof of address TU XXXX breach ) XXXX ( XX/XX/XXXX TransUnion FTC, ID , proof of address TU XXXX breach ) Despite repeated submissions, TransUnion has not : Blocked and deleted the fraudulent tradelines ( 605B ( c ) ( 2 ) ) ; Provided account-level exception disclosures ( 605B ( c ) ) ; Supplied Method of Verification ( 611 ( a ) ( 7 ) ) ; Issued non-reinsertion certifications ( 623 ( a ) ( 6 ) ) ; Produced the XXXX XXXXXXXX XXXX tied to FTC Report # XXXX ; Sent written confirmations of deletions to me or downstream CRAs ( 611 ( d ) ). 

By exposing my SSN/DOB in a breach, then refusing to honor my 605B rights and engaging in the same misclassification practices as Experian and Equifax, TransUnion is participating in systemic deceptive practices. These actions violate federal law ( FCRA 605B, 611, 623 ) and also Louisianas Unfair Trade Practices and Consumer Protection Law ( La. R.S. 51:1401 et seq. ), which prohibits unfair and deceptive practices in commerce. 

I request immediate enforcement requiring TransUnion to block and delete all fraudulent tradelines, provide MOV and ACDV audit records, issue non-reinsertion certifications, send written confirmations to me and downstream CRAs, and cease systemic misuse of 611 to evade 605B obligations.

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 2025-09-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I had fraudulent charges made on my account. Comenity is refusing to stand by their fraud guarantee and this has been very stressful. Ive had to file reports with the FTC and police which I have provided to Comenity but they seem to not care. We had a sketchy neighbor that committed the fraud on my accounts according to what the police officer believes ( Comenity is the only XXXX not cooperating ) which is why we moved. So basically Comenity is treating me as if Im a liar which I find pathetic and should have never opened credit cards with them. I will definitely let others know never to use them for an account. They should know by my history, I do not lie and have never had issues before. I had to freeze all my credit and change all my cards. If Comenity does not rectify these XXXX XXXX charges of {$660.00} that they put back on my account, I will no longer be their customer and will never use them again. ( I have never shopped through TikTok nor do I have a TikTok account ) I will also NOT pay the fraudulent charges regardless and will hire a lawyer if need be. Comenitys fraud team is a joke and has no real reason to go against me and they will not win if I have to pursue legal action. This is Comenitys final chance to make things right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 explanation
Consumer complaint received 2025-09-21 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: VA

Complaint narrative:
I was reviewing my TransUnion credit report and noticed inquiries that do not belong to me.

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 2025-09-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
On XX/XX/year>, the XXXX XXXX XXXX XXXX XXXX states that services at my property were stopped. I am the property owner ( XXXX  ). When my tenant moved in, the tenant opened a utility account, and my XXXX  account was automatically closed by the utility system. 

I never requested the closure myself and I was not given the opportunity to provide a final billing address. The utility had my billing address and email address on file, but the final bill was instead mailed only to the service address ( the tenants residence ). As a result, I never received the final bill. 

Later, without any notice to me, the account was sent to a collection agency with additional collection fees added. I dispute these extra charges. I am willing to pay the base water charges, but I should not be penalized with late fees or collection fees caused by the utilitys failure to properly notify me. 

I request that the collection fees be removed, that I be allowed to pay the original charges directly, and that no negative credit reporting result from 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 2025-09-21 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:
An account with an energy company named XXXX XXXX was recently sent to collections triggering an alert from my credit monitoring company that an account was referred to collections in the amount of {$430.00}. I never opened this account and even reached out to the company to understand how a utility account could be opened in my name with their company with my permission and/or authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NJ

Complaint narrative:
I am disputing inaccurate personal information that remains on my credit reports with Equifax, TransUnion, and Experian. Specifically, the reports list multiple outdated and false addresses that do not belong to me. 

The only accurate identifying information that should appear on my consumer reports is : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX All other addresses are incorrect and are continuing to cause serious harm because they are being used to associate me with negative accounts that are not mine. 

I submitted disputes to the credit bureaus in good faith, but instead of removing the false addresses, they either : Refused to delete them, Added additional addresses without my consent, or Stalled the process by asking for redundant documentation. 

This conduct violates : FCRA 1681i ( Reinvestigation of Disputed Information ) : The bureaus failed to properly investigate and correct disputed information within the statutory timeframe.

FCRA 1681e ( b ) ( Accuracy ) : The bureaus are not maintaining maximum possible accuracy by continuing to report false addresses.

FCRA 1681s-2 ( Responsibilities of Furnishers ) : By failing to ensure only accurate identifying information is reported. 

Because of these violations, my consumer report remains inaccurate, impairing my credit reputation and causing ongoing harm.

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