vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 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: FL

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. 
Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

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 2025-08-26 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: SC

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 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 Balance : {$1000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lyons, Doughty & Veldhuis, PC
State: MD

Complaint narrative:
On XX/XX/year> XXXX opened a dispute and communciated to Lyons, Doughty, and Veldhuis that the account was in dispute. More than 30 days have passed and XXXX has failed to provide the necessary documentation to myself and Lyons, Doughty, and Veldhuis. I have contacted Lyons, Doughty, and Veldhuis to remove this account from their files in additon to credit reporting as more than 30 days have passed with no verification being provided. Lyons, Doughty, and Veldhuis will not remove this account or stop collection efforts related to this account ending in XXXX. The same is to be said about XXXX. Seperatly, multiple efforts were done in the past through Lyons, Doughty, and Veldhuis to verify the account and they never provided any information to substaniate the claim and when asked to provide tracking numbers for documents sent they stated they have none and can not verify that the documents arrived to my address. Lyons, Doughty, and Veldhuis continues to say they won't do anything related to this account and it will remain active as they have an open court case in XXXX, MD in which they are trying to pursuse collection further knowing there is an acitve dispute with no proof of debt extending past XXXX days. 

My limits for XXXX XXXX were {$300.00} and I have more than {$7000.00} in cash advances showing on the statement which would have been done between banks and XXXX which would have been processed as a cash advance and not a credit card transaction. My limit for the card overall was {$6100.00} but somehow my account is over {$8000.00} in balance. XXXX some how allowed a grossly amount of cash advances to process on my card in addition to allowing my account to far surpass my credit limit which they are not able to provide any verificiation or explanation as to how this could have happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I recently received and reviewed my credit report from all 3 credit bureaus and noticed several inaccuracies, incorrect, and missing data. Several factual errors have dumbfounded me. The Furnishers are reporting balances on closed/charge off accounts, when I previously disputed these, all was done was stated that the accounts were verified and no changes were made. These accounts did not accurately or properly investigate what the method of verification, who verified the information, no original documentation was provided. I believe the account was re-aged and updated using the XXXX Method. Several violations have occurred, which violate my consumer rights to fair, accurate reporting. Some include but are not limited to : 15 USC 1692 ( e ) ( 8 ) ( f ) ( d ) ( c ), 15 USC 1681 ( i ) ( 7 ) ( a ) ( E ) ( B ) ( C ) ( n ). Rosenthal fair debt/ statutory violations as per FCRA and FDCPA 15 USC 1681 ( i ) ( a ) ( 7 ) ( E ) ( B ), 15 USC 1692 ( C ) c.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: NC

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : 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 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 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  : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
A few weeks ago, I submitted dispute letters directly to all three credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a third-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX XXXX  Account not mine XXXX XXXX XXXX XXXX XXXX XXXX Account not mine XXXX XXXX XXXX XXXX Account not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: VA

Complaint narrative:
TRUEACCORD XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research TRUEACCORD XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX Email : XXXX Phone : XXXX DOB : XX/XX/XXXX SSN ( Last 4 ) : XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Credit Reporting Account : Credit Collection Services Balance {$210.00} Reported XX/XX/XXXXXXXX  Dear CFPB, I am writing to file a formal dispute regarding the account being reported by Credit Collection Services on my credit report. This account contains several inaccuracies and missing information that violate the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 
Issues with the Account Reporting : 1. No Original Creditor Identified The report lists Credit Collection Services as both the collection agency and original creditor, which is contradictory and incomplete. 
2. Missing Account Details The account does not provide the account type, account number, or the original service provider the debt allegedly came from. 
3. No Contact or Payment Information There is no address, phone number, or payment channel listed for this collection, preventing me from validating or resolving the debt.

4. Open vs. Collection Status Conflict The account is marked both as Open and Placed for Collection. This is misleading and unfairly impacts my credit.

5. Unverified Balance The {$210.00} balance is not itemized ( no breakdown of principal, interest, or fees ), making it unverifiable. 
Because the account is missing critical information and is reported inaccurately, I am requesting that it be deleted from all of my credit reports unless Credit Collection Services can fully validate it with proper documentation. 
Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
These accounts were fraudulently created in my name. I ask that you remove them within 15 days as required by USC 1681g. Relevant documentation is attached.

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 2025-08-26 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>, XXXX  XXXX, XXXX  I sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX  days later, I have not received a response yet.

I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-08-26 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: HI

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I opened a credit card with symphony Lowes last year and I would give them my checking account number they claim that XXXX checks were returned I gave them the check again and it was paid now symphony Lowes decided to close my account which I owed XXXX dollars I went to the Lowes store to pay my account in full and they did not accept the payment. So I mailed the check to a XXXX PA. Address they claimed that they didnt receive it now a week later they received my XXXX dollar payment and they owe me XXXX and claim that this takes XXXX weeks this credit card company has notified all three credit companies and did not notify them my account is paid in full I paid my account in full within the week of the closing of the card and didnt know that they closed my card.

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 monetary relief
Consumer complaint received 2025-08-26 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: Monterey Financial Services LLC
State: FL

Complaint narrative:
I recently received and reviewed my credit report from all 3 credit bureaus and noticed several inaccuracies, incorrect, and missing data. Several factual errors have dumbfounded me. The Furnishers are reporting balances on closed/charge off accounts, when I previously disputed these, all was done was stated that the accounts were verified and no changes were made. These accounts did not accurately or properly investigate what the method of verification, who verified the information, no original documentation was provided. I believe the account was re-aged and updated using the XXXX Method. Several violations have occurred, which violate my consumer rights to fair, accurate reporting. Some include but are not limited to : 15 USC 1692 ( e ) ( 8 ) ( f ) ( d ) ( c ), 15 USC 1681 ( i ) ( 7 ) ( a ) ( E ) ( B ) ( C ) ( n ). Rosenthal fair debt/ statutory violations as per FCRA and FDCPA 15 USC 1681 ( i ) ( a ) ( 7 ) ( E ) ( B ), 15 USC 1692 ( C ) c.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I SUBMITTED THE DOCUMENTS NEEDED FOR YOU TO REMOVE IT.

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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Comenity Capital Bank XXXX card was taken out XX/XX/year>. I used it at the XXXX XXXX  store received the bill in XXXX for XX/XX/XXXX due date- I scheduled full payment through my checking account at Broadview XXXX XXXX XXXX '' for the XXXX of XXXX received a bill on XX/XX/XXXX showing the full credit card payment being processed on the XXXX of XXXX with a late fee added. 
Contacted phone # on the back of the credit card ( I did not have my bill in front of me, I asked if they could remove the late fee ) on the XXXX of XXXX the representative indicated that they are able to remove the {$15.00} late fee this one time- I ended the call and did not bother to contact broadview to find out why the payment was late- XX/XX/XXXX received the Credit Card bill Attached is XXXX bill and the original XXXX bill. 
they are charging me {$68.00} in fee 's OMG I spoke to the company and they are standing by their fees- it seems they charge {$30.00} in late fees and when the representative from the cc said she was removing the {$15.00} late charge for a curtitsy there was {$15.00} left that I was not aware of. Since I did not pay the {$15.00} they are charging me an additional {$30.00} and interest on the fees and adding back the {$15.00} curtitsy that they originally refunded. I did speak to a supervisor at the cc company with no resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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