vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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.

Complaint narrative:
In XX/XX/XXXX, an unauthorized personal loan from a lender called XXXX XXXX XXXX XXXX appeared on my credit reports from multiple bureaus, including Equifax, Experian, XXXX ( XXXX  ), and XXXX XXXX. The loan was listed as opened on XX/XX/XXXX, with a sanctioned amount of XXXX and a reported current balance of XXXX as of XX/XX/XXXX. The status was shown as active, and it was categorized as an unsecured debt. 
I reviewed my credit report in XX/XX/XXXX and discovered this entry, which I believe is erroneous because the lender is not registered with the XXXX XXXX  XXXX XXXX ( XXXX ) as required for legitimate non-banking financial companies ( XXXX ). I had previously disputed similar entries with Equifax, but on XX/XX/XXXX, Equifax responded that they received confirmation from the lender with no changes, stating the accounts belong to me. Their response referenced multiple related loan accounts from the same lender but did not remove any. 
On XX/XX/XXXX, I submitted a formal complaint via email to Equifax 's ombudsman, copying XXXX 's Department of Non-Banking Supervision and other credit bureaus. In the complaint, I provided RBI documents ( lists of registered and cancelled XXXX as of XX/XX/XXXX ) showing no record of the lender in either, confirming it lacks the required Certificate of Registration. I requested immediate suppression of the entry from all reports, cross-verification with XXXX, recalculation of my credit score without this data, an investigation into how the unauthorized data was accepted, and compensation for the resulting credit score drop and distress. The inclusion has lowered my credit score, potentially by XXXX points, and raised concerns about harassment from unauthorized entities. 
No resolution has been provided yet, and the entry continues to impact my access to credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am sending to formally dispute the reporting of an inaccurate late payment associated with the following open account as listed in my credit file. 
After reviewing my credit report, I have identified what I believe to be inaccurate, unverifiable, or outdated information associated with this account. Specifically, the account appears to be reported as late at the time of opening or during early reporting cycles, which is unusual and potentially in violation of fair credit reporting practices. I request a full investigation and verification of the accuracy, completeness, and timing of this reporting. 
XXXX XXXX XXXX XXXX * * Balance : {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: NV

Complaint narrative:
Greetings, I am sending this complaint because I still believe there are still error on my credit file. I would like you to verify the information below and verify that its not untimely, inaccurate, unverifiable or incomplete. Please evaluate these accounts below : XXXX XXXX XXXX XXXX Balance : {$1900.00} XXXX XXXX L XXXX Balance : {$1100.00} XXXX XXXX L XXXX Balance : {$1000.00}

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 explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-22 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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-22 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-22 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 AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: SC

Complaint narrative:
I am contacting you because I discovered several accounts and a credit inquiry on my report that I never authorized. These items are fraudulent, and their continued presence is negatively impacting my creditworthiness. I am requesting the immediate removal of these accounts and inquiry to restore the accuracy of my credit report. 
Among the accounts in question are Late Closed accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never opened or authorized these accounts. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), reporting agencies must ensure that information is accurate and verifiable. Because these accounts are fraudulent, they must be removed. 
There are also Charge Off accounts that have been reported without proper verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} * * were never authorized by me, and no 1099-C has been issued for debts over {$600.00}. Reporting these balances is inaccurate under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Additionally, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * * are being reported without proper verification, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 605B 15 U.S.C. 1681c-2. I request their complete removal from my credit file. 
A Collection account is also reporting inaccurately. XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$130.00} * * is being reported without proper verification under FCRA 605B 15 U.S.C. 1681c-2, and it must be removed. 
Finally, there is an unauthorized credit inquiry listed as XXXX XX/XX/year>. This inquiry was not authorized by me and violates FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). Its continued presence misrepresents my credit activity and must be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
I am contacting you because I discovered several accounts and a credit inquiry on my report that I never authorized. These items are fraudulent, and their continued presence is negatively impacting my creditworthiness. I am requesting the immediate removal of these accounts and inquiry to restore the accuracy of my credit report. 
Among the accounts in question are Late Closed accounts, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I never opened or authorized these accounts. Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 607 ( b ) 15 U.S.C. 1681e ( b ), reporting agencies must ensure that information is accurate and verifiable. Because these accounts are fraudulent, they must be removed. 
There are also Charge Off accounts that have been reported without proper verification. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1200.00} and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1300.00} * * were never authorized by me, and no 1099-C has been issued for debts over {$600.00}. Reporting these balances is inaccurate under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ). Additionally, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} * * are being reported without proper verification, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ) and FCRA 605B 15 U.S.C. 1681c-2. I request their complete removal from my credit file. 
A Collection account is also reporting inaccurately. XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$130.00} * * is being reported without proper verification under FCRA 605B 15 U.S.C. 1681c-2, and it must be removed. 
Finally, there is an unauthorized credit inquiry listed as XXXX XX/XX/year>. This inquiry was not authorized by me and violates FCRA 604 ( a ) 15 U.S.C. 1681b ( a ) and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ). Its continued presence misrepresents my credit activity and must be deleted.

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 2025-09-22 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I am sending as a consumer who has carefully reviewed my credit report and identified an inaccuracy in the reporting of an account that is negatively affecting the accuracy of my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, I have the right to dispute incomplete or inaccurate information and to request a investigation to ensure the reporting reflects the maximum possible accuracy. 
XXXX XXXX * * Balance : {$10000.00} This inaccuracy affects my credit profile by shortening the length of my credit history, which is a significant factor in credit scoring models. I am requesting that the 3 credit bureaus will conduct a investigation of this account and correct the reported open date to reflect the accurate timeline of when this account was truly established. As required by FCRA 1681i ( a ) ( 1 ), the 3 credit bureaus is obligated to investigate any item disputed by a consumer and correct any information found to be inaccurate or unverifiable. Furthermore, FCRA 1681e ( b ) requires that consumer reporting agencies maintain and report information with the maximum possible accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I am sending as a consumer who has carefully reviewed my credit report and identified an inaccuracy in the reporting of an account that is negatively affecting the accuracy of my credit profile. Under the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ) and 1681i, I have the right to dispute incomplete or inaccurate information and to request a investigation to ensure the reporting reflects the maximum possible accuracy. 
XXXX XXXX * * Balance : {$10000.00} This inaccuracy affects my credit profile by shortening the length of my credit history, which is a significant factor in credit scoring models. I am requesting that the 3 credit bureaus will conduct a investigation of this account and correct the reported open date to reflect the accurate timeline of when this account was truly established. As required by FCRA 1681i ( a ) ( 1 ), the 3 credit bureaus is obligated to investigate any item disputed by a consumer and correct any information found to be inaccurate or unverifiable. Furthermore, FCRA 1681e ( b ) requires that consumer reporting agencies maintain and report information with the maximum possible accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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: VA

Complaint narrative:
This is my 10th formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm. 

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

This is a formal complaint against COMENITYCB/ULTA a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. 

COMENITYCAPITAL/ULTA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 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:
I am submitting this follow-up complaint regarding multiple unresolved items on my credit report that I have previously disputed but believe have not been properly reinvestigated or verified. Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute inaccurate or unverifiable information and request that it be deleted if it can not be confirmed through a reasonable investigation. Despite my previous dispute submission, the following accounts and public records remain on my file without sufficient verification or explanation. First, I am disputing a charge-off account reported by XXXX XXXX  with an account number ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reflecting a balance of {$400.00}. I believe this charge-off may be inaccurately reported or outdated. I have not been provided with any documentation validating the full payment history or substantiating the accuracy of the charge-off status. If the data furnisher can not provide complete and verifiable records to justify this accounts current designation, I respectfully request that the item be permanently deleted from my report as required by FCRA 611 ( 15 U.S.C. 1681i ). Additionally, I am disputing multiple collection accounts that appear to be inaccurately reported or lack sufficient verification. These include two accounts listed under XXXX, with account numbers ending in XXXXXXXX XXXX XXXX XXXX XXXX  and reported balances of {$19000.00} and {$8000.00}, respectively. I also dispute accounts reported by XXXXXXXX XXXX  with an original creditor listed as XXXX XXXX XXXX ( account ending in XXXXXXXX XXXX  for {$550.00} ), and by XXXX, with an original creditor listed as XXXX XXXX XXXX XXXX account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX  for {$660.00} ). I do not have any verified records or agreements that confirm my responsibility for these accounts, and I have not received validation documentation from the 3 credit bureaus or the reporting agencies. These accounts must be fully validated or removed in compliance with the FCRA. Lastly, the 3 credit bureaus report includes a public record entry for a XXXX XXXX XXXX reported with a filing date of XX/XX/year>, and reference number XXXX. I am requesting that this public record be verified for accuracy, timeliness, and proper court documentation. If this record can not be independently verified through public source validation, it should be removed from my report as it may be inaccurately reported or misattributed.

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