vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: MN

Complaint narrative:
I am filing this complaint because [ XXXX XXXX XXXX XXXX TransUnion ] has violated the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my written disputes, the bureau failed to conduct a reasonable reinvestigation within 30 days, continued reporting inaccurate accounts, and failed to provide written results. These actions violate 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 5 ), 1681i ( a ) ( 6 ), and 1681e ( b ). Courts have consistently ruled that such conduct is unlawfulSessa v. TransUnion, XXXX ( XXXX XXXX. XXXX ) confirmed all objectively verifiable inaccuracies must be corrected ; XXXX. XXXX  XXXX XXXX XXXX ( XXXX XXXX ) held no entity is immune from FCRA liability ; and XXXX XXXX TransUnion, XXXX ( XXXX. XXXX XXXX ) resulted in a {$23.00} XXXX settlement for failing to investigate disputes and allowing inaccuracies to remain. 

Accounts to Be Deleted : CHARGE OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company 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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northbrook and Associates
State: CA

Complaint narrative:
No evidence of debt was provided upon requests and after proof of overlap was provided they continued to lower my credit and ignore receipts of overlapping coverage with XXXX insurance. I did not have their insurance during the duration as I had an active 6 MONTH POLICY with an alternative carrier. Theyre engaging in consumer fraud attempting to collecting hundreds additional and coverage when I had an existing policy with XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX, INC. account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: MA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX  XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CO

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : collection account opened at XXXX XXXX  on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is shown in collection on TransUnion only and not shown on any other bureau Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only and not shown on any other bureau Credit Card account opened at XXXX  XXXX on XX/XX/XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only and not shown on any other bureau which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AL

Complaint narrative:
I am disputing the following accounts listed on my Experian credit report, as they may be incorrect, incomplete, or unverifiable. I request that a thorough investigation be conducted and any unverifiable items be corrected or removed in accordance with FCRA guidelines. 

Charged Off Accounts : XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$0.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-07 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: FL

Complaint narrative:
CFPB Complaint Summary XXXX XXXX XXXX XXXX. 

I am filing this complaint because XXXX XXXX XXXX XXXX is inaccurately reporting late payments and inconsistent account information across TransUnion, Experian, and Equifax for my XXXX XXXX XXXX of credit ( Account # XXXX ). 

This account was paid on time, closed in good standing, and has a {$0.00} balance, yet all three credit bureaus show false late payments and contradictory statuses. These errors have negatively impacted my credit score and my ability to obtain credit.

I previously mailed dispute letters to all three credit bureaus under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ) ( accuracy requirement ), 611 ( dispute reinvestigation ), and 623 ( furnisher responsibility ). Despite those disputes, the incorrect information remains. 

Details of the Inaccuracy Account Status : Closed with a {$0.00} balance and {$1800.00} credit limit on all three bureaus. 
Payment History Errors : TransUnion and Equifax show multiple 30-day late payments in XXXX and XXXX. 
Experian lists 30- and 60-day late marks, inconsistent with the other two bureaus.

These entries are false ; I made all payments on time and the account was paid in full.

Reporting Discrepancies : TransUnion : Paid or paying as agreed.

Experian : Paid, was past due 60 days.

Equifax : Pays account as agreed. 
These contradictions show XXXX XXXX and the bureaus have not verified or corrected the information properly. 
Final Payment : XX/XX/XXXX ( account closed in good standing ). 

Impact The false late payments have lowered my credit scores and caused denials of credit and higher interest rates. These errors misrepresent my payment history and violate the FCRA requirement that information furnished to consumer reporting agencies be complete and accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: CA

Complaint narrative:
I respectfully submit this as a formal dispute of the referenced accounts. They were not opened or authorized by me and are fraudulent. Please conduct an investigation and remove them. Documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: TX

Complaint narrative:
Square banking inc, is the co.pant we use to hold our co.pamy funds, as well as state tax money we collect from our customers. Today we were at one of our wholesales purchasing matterials for our business. This wholesaler i purchase from frequently with my card associated with square banking. XXXX they decided to freeze my business banking account because they thought my purchase was fraudulent. I called and spoke to several people explaining to them I am the one trying to make a purchase with my card.... they only tell me the account is frozen for 1 - 2 business days to review ... Review what!? Its not a fraudulent charge, I've told them several times, and still my operating funds and cards are frozen. Ive explained to them that this is keeping my service business closed, and I need access to those funds to operate... PLEASE HELP!!!! @ The XXXX  shows tons of companies going through this as well...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Klarna AB
State: CA

Complaint narrative:
I received a text message from my father telling me that he has been receiving text messages regarding my name the company that is attempting to collect the debt Date XXXX XX/XX/year> Text read : XXXX, pay your Klarna XXXX account at a discount by the end of the month! Call XXXX XXXX XXXX, XXXX-Debt Collector @ XXXX or XXXX To optout txt STOP I sent an email to the company requesting them to stop contact immediately as they are breaking the law and told them that I was going to report them which Im currently doing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: WI

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX -- {$36000.00} INQUIRIES : XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-11-07 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-11-07 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: CA

Complaint narrative:
I kindly request that you review and remove these accounts from my record. They were not opened or approved by me and appear to be fraudulent. Documentation is included for 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 2025-11-07 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NC

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-07 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: FL

Complaint narrative:
I am reaching out to formally dispute fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2. I am requesting that this information be blocked or removed immediately. Attached to this letter is my Police Report ( Police Report Number : XXXX ) as evidence of my claim. 
According to the referenced law, when a consumer submits a valid identity theft report, credit reporting agencies are required to block any information identified as resulting from identity theft within four ( 4 ) business days.

The following account listed on my credit report is the direct result of identity theft and must be blocked immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with 15 U.S.C. 1681c-2, I respectfully request that this account be blocked from my credit file without delay. The block should remain in place for a period of one year, with the option to extend if needed. During this period, no information related to this account may be reported.

I have made multiple attempts to contact TRANSUNION to report this issue, but I have not received a clear or satisfactory resolution.

I am currently going through a difficult financial time, and these accounts are seriously affecting my ability to achieve financial stability for myself and my family.

It's important to note that other credit bureaus have already removed these accounts due to lack of verification, so I do not understand why this agency continues to report them as valid. Furthermore, I requested copies of any contracts or documents supposedly linking me to these accounts, and more than 60 days have passed without a response.

I kindly ask for your support and understanding, and I urge you to take immediate action to block or remove these accounts. This situation is causing significant personal andfinancialharm.

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 2025-11-07 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: FL

Complaint narrative:
On XX/XX/XXXX I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. the fraudulent accounts include : XXXX student loan - XXXXXXXX XXXX XXXX XXXX XXXX  -opened on XX/XX/XXXX XXXX student loan - XXXXXXXX XXXX XXXX XXXX XXXX -opened on XX/XX/XXXX XXXX- student loan - XXXXXXXX XXXX XXXX XXXX XXXX  -opened on XX/XX/XXXX XXXX- student loan - XXXXXXXX XXXX XXXX XXXX XXXX -opened on XX/XX/XXXX XXXX- student loan - XXXXXXXX XXXX XXXX XXXX XXXX  -opened on XX/XX/XXXX XXXX- student loan - XXXXXXXX XXXX XXXX XXXX XXXX  -opened on XX/XX/XXXX XXXX- student loan - XXXXXXXX XXXX XXXX XXXX XXXX -opened on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
This complaint relates to my Kay Jewelers credit account issued by XXXX XXXX. I entered into an XXXX deferred-interest promotional plan. I made all payments on time and did not miss any payments during the promotional period. However, when the promotional period ended, XXXX added {$2300.00} in deferred interest to my account balance. 

I am requesting a XXXX XXXX XXXX and Deferred Interest Reversal. I have already contacted Customer Service and the XXXX XXXX, and both stated that they were unable to escalate my request to XXXX Resolutions. I am requesting that this account be reviewed under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I am not refusing to pay. I am requesting that the promotional terms I maintained ( no missed payments and consistent payment history ) be honored, and that the deferred interest be removed so I may continue to pay the original balance as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: Fidelity National Information Services, Inc. (FNIS)
State: OH

Complaint narrative:
I am filing a formal complaint regarding multiple entries on my ChexSystems consumer report that are inaccurate, unverified, and potentially fraudulent. The reporting of such information is causing serious harm to my financial standing and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), Sections 602611, which requires that consumer reporting agencies maintain only accurate, complete, and verifiable information. This complaint is being filed to protect my financial standing and legal rights. I trust that ChexSystems will take this matter seriously and respond promptly.

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