vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 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: MD

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : 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 explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
On XX/XX/year> I submitted evidence to this company showing the balance was paid in full, yet they ignored my online submission showing them proof and they still continue to harass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As of XX/XX/XXXX, TransUnion continues to post false information to my credit report. This constitutes libel and slander. Each time they post false information it becomes a new complaint that must be addressed. TransUnion states that XXXX XXXX XXXX information submitted to them was " VERIFIED AS REPORTED '' and they have refused to remove derogatory information from my credit report. They need to answer XXXX questions : XXXXWhat was verified? XXXX. How did you verify it? XXXX. Why do you disregard the consumer information provided and accept as VERIFIED information from the other party based only on their say so? You can not verify false information or something that does not exist. In letter sent to me from XXXX XXXX dated XX/XX/XXXX they state regarding this issue : " It was disputed and submitted as an ID theft ''. This is totally false. I have never in my life claimed ID theft. Where is the proof? Does TransUnion have any contracts that may exist between XXXX and myself? Have they studied any agreements that may exist? What are the terms? Did I agree to these terms? Does TransUnion have the letter XXXX sent me dated XX/XX/XXXX where they admit to unilateral service changes and billing errors on their part. How did they VERIFY their information? TransUnion seems to rely on hearsay information. My issue from the beginning was with XXXX and they refused to address it with me. I'm still waiting for a reply from them since XXXX. They simply passed it on to collection agencies, who then sold it to other collection agencies with whom I have no business relationship or contract. My business relationship at XXXX time was with XXXX XXXX and they are the ones who needed to address the issue and reach a solution with me. I DO NOT OWE THE MONEY CLAIMED. HOW CAN OR DID TRANSUNION VERIFY SOMETHING THAT IS FALSE? SHOW ME PROOF OF WHAT WAS DONE AND DO NOT RELY SOLELY ON TESTIMONY FROM XXXX XXXX XXXX  PARTIES. HOW IS IT POSSIBLE TO OWE A CABLE COMPANY FOR SERVICES THAT ARE CHARGED IN ADVANCE AND NOT PROVIDED AT ALL IF PAYMENT IS NOT MET? TRANUNION MUST REMOVE THIS FALSE INFORMATION FROM MY CREDIT REPORT, BE FINED AND LOSE THEIR LICENSE TO OPERATE!

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 2025-06-15 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: GA

Complaint narrative:
Comenity/Bread financial claimed that I missed a payment. My account was set to auto-pay on the same date each month. I have proof there was plenty of money available in the account on the date they claimed the transaction would not go through. 

They canceled my auto pay without my consent, and reported a late payment. It was a very small amount of money and I had no problem with my bank. I contacted my bank ( regions ) and they had no record of the auto payment attempt. 

Comentity/Bread financial customer service refused to help me. this {$30.00} payment has impacted my credit rating, which is currently around XXXX, but would be better without their fraudulent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: TX

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 XXXXXX/XX/year>

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 2025-06-15 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: CA

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$2000.00}

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 2025-06-15 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: MS

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

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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

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 2025-06-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed with the FTC there was a data breach that exposed my information as first announced by Equifax in XX/XX/XXXX and other recent breaches of my personal data being exposed it has come to my knowledge on XX/XX/XXXX I have confirmed that my data was compromised in this incident the breach exposed sensitive personal data including but not limited to phone number address date of birth credit card information social security this compromised has place me at a significant risk of more exposure to identity theft and financial issues fraud. Since becoming aware of this breach i have freeze all my accounts be getting alot of calls from unknown numbers trying to sell things get up to XXXX calls a day on my credit reporting platform all my information i seen that has been sole without my consent despite this effect I have experienced unauthorized inquiries on my credit report all so increase of spam emails and scams I expect a timely response XXXX comprehensive response to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

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 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 2025-06-15 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: MD

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 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 2025-06-15 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$360.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, AR XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, GA XXXX : Request for Removal of Closed Accounts from Credit Report To Whom It May Concern, I am writing to formally dispute the following closed account ( s ) listed on my credit report. I recently obtained a copy of my credit report from your bureau, and I have identified the following account ( XXXX ) as inaccurately listed and/or no longer relevant under FCRA guidelines XXXX Creditor Name XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Does Not belong to me According to the Fair Credit Reporting Act ( FCRA ), negative accounts that are outdated should no longer be included on my credit report if they are more than seven years old. Additionally, any account that is not accurately reporting information must be corrected or removed. I am requesting a thorough investigation of this matter and prompt removal of the closed account ( s ) that do not meet FCRA compliance.

Please provide written confirmation once your investigation is complete. I have included a copy of my credit report with the accounts in question highlighted for your reference. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
This is a notice of intent to sue. 

On my previous complaint with TransUnion, I asked them to correct a bankruptcy that was being reported as a duplicate! After making the change, TransUnion went in and updated other accounts that was XXXX in XXXX XXXX bankruptcy and closed over 3 years ago. Adding conflicting information, late payments and that the debt is still owed. On XXXX XXXX account XXXX this account is falsely listed as making zero payments on time as well as owing 100 % of the balance. On XXXX accounts you have in one area I owe a balance, then also listed at the top you have that I still owe 92 % of the balance. This is both against the FCRA and bankruptcy laws. This is not the first or second time that I've disputed these bankruptcy accounts, informing you that I do not owe any debt on these accounts. They have all been discharged in XXXX XXXX  bankruptcy and u will make the correction, but re-insert the false reporting several months later. As a result of your false reporting my TransUnion credit score suffered and went down XXXX points. I applied for a personal loan and credit card with XXXX XXXX XXXX and the underwriter specifically said based on my TransUnion report she can't tell if I still owe on the debts because in one section it says unknown, then at the bottom it says I still owe a large percentage. So therefore credit was denied. You have a federal duty on bankruptcy laws to report accounts with 100 % maximum accuracy. I am demanded due to multiple disputes and false information constantly being reinstated to have both XXXX XXXX Loans/Credit card accounts deleted as well as both XXXX XXXX credit card accounts deleted. If this is not done, I will have my bankruptcy attorney request sanctions and I will file a lawsuit in federal court.

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 2025-06-15 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: CA

Complaint narrative:
b'This CFPB complaint has been filed to request pursuant to FCRA  605B (15 U.S.C.\n  1681c-2) that you, the XXXX  credit reporting agency, block information\n appearing on my consumer credit report that is the result of identity theft and fraud\n within 4 business days of you receiving this complaint. The following items do not\n belong to me and is a result of fraud that I did not authorize:\n Also, would like to have all addresses and names REMOVED from my credit report,\n except\n for my only name and address listed below:\n Name: XXXX XXXX  Address: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Account Number: XXXX, Date Opened: XXXX Balance: XXXX XXXX - Account Number: XXXX, Date Opened:XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: GA

Complaint narrative:
As per the guidance from the Consumer Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -51002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted company information Equifax. Please delete the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: LA

Complaint narrative:
I submitted a formal written dispute to the credit reporting agencies ( CRAs ) requesting the removal of XXXX specific entries from my credit file : A XXXX XXXX XXXX XXXX charge-off account, and All federal student loan tradelines. 

The XXXX XXXX XXXX XXXX closed account is being reported with both a charge-off status and a past-due balance, which is materially inaccurate and misleading. This dual reporting violates XXXX XXXX guidelines, which are the industry standard for data furnishers, and directly contradicts the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ), which requires XXXX to report information with maximum possible accuracy. A charge-off reflects a loss already accounted for by the creditor and, by definition, shall not show an ongoing past-due balance. 

Despite my specific legal citations and request for immediate removal, Transunion failed to independently investigate these violations and instead outsourced the disputes to the furnishers ( XXXX XXXX ) through the automated e-OSCAR system. These furnishers merely verified the information without correcting the errors, and the CRAs accepted their response without further inquiry, which violates 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - the duty to conduct a reasonable reinvestigation.

I requested the removal of all federal student loan accounts from my report, even though there are no late payments. This request is based on my right to control non-adverse personal data in my consumer file under the Privacy Act of 1974 ( 5 U.S.C. 552a ) and the FCRA. I do not consent to the continued reporting of these loans, and their presence is not required by law, nor are they relevant to my creditworthiness as they are not delinquent. 

I also requested the removal of outdated personal information, including former addresses and phone numbers, which the CRA failed to act on - violating their duty to maintain only current and accurate personal identifiers as per 15 U.S.C. 1681c and 1681e ( b ). 

The CRAs ignored the substance of my dispute, failed to act in accordance with their legal obligations, and left these inaccurate and unwanted accounts on my report, causing continued damage to my 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 non-monetary relief
Consumer complaint received 2025-06-15 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: AR

Complaint narrative:
I did not authorize this inquiry and have had no communication with the lender on the specified date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: PA

Complaint narrative:
A debt collector XXXX XXXX XXXX XXXX has put a address in my credit report that doesn't belong to me it is XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 
That address is not mines and it has nothing to do with me or the account the debt collection agency is trying to collect on. 
This is unacceptable and unlawful for them to add an address to my credit report my current and only address is : XXXX XXXXXXXX XXXX XXXX XXXXXXXX pa 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