vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: CA

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 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 2025-11-18 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: FL

Complaint narrative:
I am writing to dispute the following accounts that I believe have inaccuracies or are being reported incorrectly. Below is a list of the disputed accounts for your review and resolution : Charged Off : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$540.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} Inquiries : None Positive Accounts : None Late Payments : XXXX XXXX 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 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i.

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature.

The complete payment history and itemized breakdown showing how the alleged balance was calculated.

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor.

The name, address, and contact information of the original creditor for proper verification.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I am reaching out regarding a {$16.00} interest charge that was applied to my closed account. I paid the full balance in good faith, yet I was still assessed interest afterward. When I contacted customer service, the representative attempt to find a resolution failed, stating only that the amount exceeded the interest charge and referencing something about XXXX on XXXX that was never reflected on my statement. 



XXXX, this explanation makes no sense. If the balance was paid in full, there should be no residual interest especially on an account that is now closed. Ive met my obligations, and I expect the same level of accountability from your institution. 



I would appreciate it if your office could review this matter and remove the improper {$16.00} charge. I no longer use this card and simply want to ensure the account is finalized with a XXXX balance and no negative reporting. 



Thank you for your prompt attention to this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My credit score monitoring through my banking app showed a XXXX point drop with transunion over a XXXX week period with no explainable data as to why on my report. I went to their website directly to attempt to get an explanation. I am not blocked from accessing their website. I have XXXX recourse and no access to the reporting agency. The credit went from an XXXX to a XXXX with no visible reported reason. By blocking me and refusing me access to their platform I am completely a victim of unfair business practices as of this date and time. Please advise how I should proceed.

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 2025-11-18 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request violates 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-11-18 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:
This entry is not an accurate depiction of my financial responsibility. Please update it after careful review.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: MI

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-18 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: CA

Complaint narrative:
This is an inaccurate item. It shows as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( XXXX ) is reporting inaccurate, incomplete, and misleading information to all three major credit bureaus. Despite previous disputes, the information remains incorrect and violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

This collection account is causing significant harm to my credit profile and has not been properly validated or verified. 

Details of Violations XXXX. Incorrect Date Opened ( FCRA 607 ( b ) ) XXXX is reporting a Date Opened of XX/XX/XXXX, which is not the date the original debt occurred, but instead the date XXXX received the debt. 
This artificially re-ages the account and misrepresents its true age. 

XXXX. Incorrect or Missing Date of First Delinquency ( FCRA 623 ( a ) ( 5 ) ) The Date of First Delinquency ( DOFD ) is required for proper reporting. 
Different bureaus show different dates or omit it entirely, making the tradeline unverifiable and inaccurate. 

Experian : XXXX not shown XXXX  : XXXX missing XXXX  : Shows XXXX XX/XX/XXXX These inconsistencies violate maximum possible accuracy standards. 

XXXX. Misclassification of Account Type ( FCRA 607 ( b ) ) The account is shown as an Open Account on multiple bureaus, which is incorrect for a collection account. 

This misclassification inflates utilization and causes additional fair credit damage. 

XXXX. Incomplete Original Creditor Information ( FCRA 609 ( a ) ( 1 ) ) The credit bureaus and XXXX fail to provide : Full itemization of charges Full original creditor account number Date of service Medical billing details Incomplete information makes the tradeline unverifiable. 

XXXX. Medical Debt Reporting Compliance Issues Under the XXXX CFPB & credit bureau medical debt reporting changes : Medical debt can not be reported for 365 days after first delinquency Medical debts under {$500.00} can not be reported XXXX has not provided proof of compliance with these regulations. 

XXXX. FDCPA 809 ( b ) Debt Validation Failure XXXX did not provide me with a legally required written validation notice within 5 days of first contact. 

Because the debt was never properly validated, XXXX should not be furnishing data to credit bureaus.

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 2025-11-18 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: GA

Complaint narrative:
I am writing to dispute the following items on my credit report, which I believe to be inaccurately reported. I request that these items be investigated and removed from my credit file. 

Charged Off Accounts : XXXX XXXX XXXXXXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX, Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$2400.00} XXXX, Account Number : XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1400.00} XXXX, Account Number : XXXX, Date XXXX : XX/XX/XXXX, Balance : {$1200.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, XXXX : {$1800.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX, Account Number XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX, Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00}

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 2025-11-18 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: GA

Complaint narrative:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
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. This fraudulent, inaccurate, and false information consists of 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 2025-11-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
This complaint is for RoundPoint Mortgage Servicing company. RoundPoint acquired our loan for servicing. Our payment for the month of XXXX went up almost {$200.00} partially due to taxes increasing, but also because they did not originally include an escrow cushion. RoundPoint Mortgage failed to notify us of the increase until after the increase happened and did not give us our right to review or prepare for this change. When I did receive the escrow analysis, it appears there was a month missing from the calculation to verify shortages in the coming year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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:
I am writing to dispute the following inquiries on my credit report, which I believe may have been reported in error. Please investigate the accuracy of the following inquiries and remove them if they can not be verified in accordance with the Fair Credit Reporting Act ( FCRA ) : XXXX ( XX/XX/year> ) XXXX XXXX XX/XX/year> XXXX XXXX ( XX/XX/year> ) XXXX XXXX ( XX/XX/year> )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: VA

Complaint narrative:
I am filing a complaint because Equifax is reporting multiple inaccurate, incomplete, or unverifiable accounts, and Equifax has failed to ensure maximum possible accuracy under FCRA 602, 607 ( b ), and 611. I am requesting a full reinvestigation, proper verification, or deletion of all items that can not be 100 % verified with original documentation from the furnishers.

Charged-Off / Collection Accounts Under Dispute The following accounts appear on my Equifax report with information that is inaccurate, inconsistent across bureaus, or unverifiable : XXXX XXXX XXXX XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XX/XX/XXXX {$3100.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$6900.00} XXXX XXXX XXXX XX/XX/XXXX {$440.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$220.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$770.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXXXXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1800.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$990.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$2000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX {$830.00} Issues : Dates of first delinquency, dates updated, and balances conflict across bureaus.

Some accounts show duplicate reporting ( same debt listed multiple times ). 
Several furnishers have not provided verification after prior disputes. 
Some accounts report {$0.00} balances but remain marked as charged-off. 
Third-party collectors appear without showing proof of ownership or assignment.

I request verification with original signed documentation, not automated data, or deletion. 

Late-Payment Reporting Dispute Equifax These tradelines show late payments that I dispute as inaccurate/unverified : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I request verification of the actual payment history or removal of the late-payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: OH

Complaint narrative:
Dear Sir/Madam, I am requesting a review and correction of the following accounts on my TransUnion credit report. Please ensure that the information is accurately reported or, if unverifiable, removed in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX & XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$80.00} XXXX XXXX XXXXccount Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$990.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : 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