vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-06 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: AL

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 2025-11-06 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I got approved for a credit card in XXXX. Forgot my password and got a new phone so I couldnt get back into my XXXX XXXX account to pay the remaining. Got unemployed so I didnt have the money to pay the rest as well. After a while I forgot about it then a year or so later I started receiving letters about owning them back. They stopped sending them for a while then eventually they paid off my balance and it went over to another company debt collection agency. They started demanding the money. Its under XXXX XXXX but Im not paying that because its not my responsibility to when its been handed over to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: FL

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 formally dispute certain entries on my credit report with TransUnion. I have reviewed my credit report and have noticed several items that appear to be inaccurate, particularly regarding charge-offs, collections, and late payments. I request that these entries be investigated and corrected as necessary. The items in question include : Charge-off Account : XXXX  Account : XXXXXXXX XXXX o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$500.00} o Date Opened : XX/XX/year> o Last Activity : XX/XX/year> Collection Account : o Account : XXXX XXXX  o Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$3400.00} o Date Opened : XX/XX/year>XXXX XXXX Last Activity : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: IL

Complaint narrative:
I am responding to your letter regarding the account associated with a XXXX XXXX XXXX XXXX. I am once again asserting that this account was opened fraudulently and without my authorization or consent. 
The contract you provided contains a phone number that does not belong to me and has never been associated with me. Additionally, the signature on the contract does not match my legal signature. I did not sign, authorize, or enter into any agreement with XXXX XXXX XXXX XXXX XXXX or XXXX XXXX. I first became aware of this account in XX/XX/XXXX when I began receiving letters from your company. 
Furthermore, the documents you enclosed do not include any form of identification allegedly used to open or verify the contract. There is no copy of a drivers license, state ID, or any supporting verification record confirming my identity. This absence further confirms that this account was established without proper verification and is the result of identity theft.

Under the Fair Credit Reporting Act ( FCRA ) 609 ( e ) and 623 ( a ) ( 6 ), I am requesting that you provide copies of all documentation used during the application processincluding identification, signatures, and verification recordsand that you immediately cease all negative credit reporting and remove this fraudulent account from my credit file. I have previously provided a copy of my police report and affidavit of fraud, and I request confirmation that your fraud department has received and reviewed these materials. 
Please send a written confirmation of the investigation results and removal of this fraudulent account. 
OPEN DATE XXXX AMOUNT WAS {$29000.00} NOW AMOUNT {$10000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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:
Dear Equifax, I am writing to dispute the following items on my Equifax credit report. These items are either inaccurate, incomplete, or unverifiable. Please investigate the following : Charged Off : UNAUTHORIZED COLLECTION Account Number : XXXX Date Reported : XX/XX/year> Amount : {$100.00} Late Payments : XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: Capio Partners, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX account that appears on my credit report. The account details are : XXXX XXXX Account # XXXXXXXX XXXX High Balance : {$1000.00} Date Opened : XX/XX/year> Status : Collection I have no knowledge of this account and have never opened or authorized any account with XXXX XXXX. This appears to be inaccurate reporting. I request that the CFPB investigate this matter and require the furnisher to provide full validation and proof that this debt belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
I am disputing the following charged-off accounts and inquiries with the XXXX major credit bureaus. I respectfully request verification of the information reported, and if any of the information can not be verified, I request that the accounts and inquiries be removed from my credit report as they are causing inaccurate reporting and negatively impacting my XXXX XXXX. If any of the information is not accurate or is outdated, I request that it be corrected or deleted according to FCRA regulations. 

Account Disputes ( Charged Off ) : XXXX XXXX Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$6200.00} XXXX XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$0.00} XXXX XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$2800.00} XXXX FUNDING ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$1800.00} XXXX FUNDING ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$1100.00} XXXX FUNDING ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$370.00} XXXX FUNDING ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$2500.00} XXXX XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$2600.00} XXXX XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$0.00} XXXX XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$0.00} XXXX  XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$3900.00} XXXX CARD ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$6600.00} XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$1800.00} XXXX  XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$2000.00} XXXX ( Account # XXXX ) Date of Last Activity : XX/XX/XXXX Amount : {$0.00} Account Disputes ( Inquiries ) : XXXX  Date : XX/XX/XXXX XXXX CARD Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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: NC

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain 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 2025-11-06 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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 writing to dispute certain negative items on my XXXX  credit report dated [ XXXX XXXX XXXX ]. Upon reviewing the information, I believe the following items require investigation and correction : XXXX. XXXX XXXX - Collection Account ( XX/XX/year> ) I would like to request the verification of this collection account. Please provide the necessary documentation for this account. If no verification is provided, I request that you remove this collection from my report.

2. Inaccurate Hard Inquiries I have noted several hard inquiries on my credit report. If I did not authorize these inquiries, I ask that they be removed. Please provide proof of authorization for these inquiries, or kindly remove them if not properly substantiated. 
As required by the Fair Credit Reporting Act, I ask that you complete the reinvestigation of these items and respond within 30 days. Please send me the results of your investigation to the address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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 am submitting a dispute to Experian regarding the accuracy of certain information reflected on my credit report. These items appear to be erroneous or incomplete, and I request a detailed investigation into the following : CHARGED OFF : No charged off accounts reported. 

INQUIRIES : XXXX XXXX XXXX XXXX  XXXX : I challenge the legitimacy of this inquiry. Please verify whether it was authorized and remove it if it is determined to be incorrect. 

POSITIVE ACCOUNTS : No positive accounts listed. 

LATE PAYMENT : XXXX XXXX XXXX, Account Number XXXX : The late payment on this account is inaccurate, and I request an immediate review for potential removal. 

XXXX, Account Number XXXX : I dispute this late payment. Please provide evidence of this reported payment history or remove it if it can not be verified.

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 2025-11-06 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: 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 : XXXX 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 EQUIFAX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 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:
Bank errors related to billing and reporting are negatively impacting my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required 21-day notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-11-06 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 disputing the reporting of late payments on my XXXX account under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ). 

This account is showing inconsistent and inaccurate information across credit bureaus : Different account types ( XXXX XXXX, Mortgage, and XXXX XXXX ). 
Conflicting Date of Last Activity ( XX/XX/year>, XX/XX/year>, and XX/XX/year> ). 
Varying late payment history between bureaus, even for the same months. 

These discrepancies make the late payment reporting unverifiable and therefore inaccurate. Under FCRA 1681i ( a ) ( 5 ) ( A ), I request that all late payment notations for this account be deleted if they can not be fully verified as accurate. 

Please conduct a reinvestigation and provide me with written confirmation of any corrections or deletions made.

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 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ACIMA CREDIT, LLC
State: IN

Complaint narrative:
They keep calling my family members threatening to come to my home and i feel intimidated and i stopped answering the phone but they wont stop calling me my husband and my mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-06 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: TN

Complaint narrative:
I dispute XXXX late-payment reporting on account XXXX XXXXXXXX. My account used XXXX card-based autopay ; XXXX now claims I missed XXXX XXXX {$10.00} installments and became XXXX days past due with a {$40.00} past-due balance, then became current on XX/XX/XXXX and was paid in full and closed on XX/XX/XXXX. I request verification of accuracy and Metro 2-compliant reporting. Specifically, please require the furnisher to provide : ( 1 ) the complete payment ledger with date/time stamps ; ( 2 ) autopay/processor logs and error codes showing any declines or XXXX system failures ; ( 3 ) notices sent when the account allegedly became XX/XX/XXXX XXXX  ; ( 4 ) the actual ACDV/E-OSCAR responses and fields they certified to the CRAs ; ( 5 ) the Date of First Delinquency used for any XXXX reporting ; and ( 6 ) all policies governing how XXXX handles autopay failures and grace periods XXXX If XXXX can not produce business-record proof for each alleged delinquent period, I request deletion or correction of the late marks. Even per the contract, default is triggered only after XXXX  days late and after XXXX consecutive missed installments ; reporting must match exact facts and be consistent across CRAs. I am attaching statements and screenshots supporting my position. Please require reinvestigation under FCRA and furnish results to me and the CRAs.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
A collection account is being reported on my credit file that has not been properly validated. I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) by requesting validation of the alleged debt. The furnisher failed to provide any legitimate documentation proving that the debt is mine, that the amount is accurate, or that they have the legal authority to collect it. 
Despite the lack of verification, this account continues to appear on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) requiring only accurate and verifiable information to be reported. The continued reporting of an unvalidated account is inaccurate and misleading.

Company response to consumer: Closed with explanation