vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: IL

Complaint narrative:
The inquiry was not authorized XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as AgreedXXXX XXXX XXXX Please remove it from my credit report.

Inaccurate. Direct violation of 15 USC 1666b Billing Error. Please update the account to Paid as AgreedXXXX XXXX XXXX Please remove it from my credit report This collection account violates the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), as it has not been properly validated ; failure to remove it will result in legal action for non-compliance with federal law. 
XXXX XXXX XXXX XXXX Please remove it from my credit report.

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 2025-05-15 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 writing to dispute inaccurate late payment reporting on my credit report regarding my XXXX account ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ). Equifax shows a late payment in XX/XX/XXXX, while XXXX  and XXXX  report a late payment in XX/XX/XXXX. Not only are these entries inconsistent across bureaus, but I also dispute their accuracy entirely. I have never been late on any XXXX. 

Furthermore, during XXXX and XXXX, most of my accountsincluding this onewere under deferment arrangements with creditors due to COVID-19. Under the CARES Act, late payments should not have been reported during periods of accommodation.

Additionally, there are discrepancies in the payment status. XXXX  and Equifax list the account as 60 days late, while XXXX  reports it as 30 days late. However, the payment history section does not reflect any 60-day delinquencythis status appears only in the payment summary, which further raises concerns about accuracy. 

I have attached documentation showing the discrepancies and request the removal of these inaccurate late payments from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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 writing to dispute inaccurate late payment reporting on my credit report regarding my XXXX account ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a late payment in XX/XX/XXXX, while Experian and XXXX  report a late payment in XX/XX/XXXX. Not only are these entries inconsistent across bureaus, but I also dispute their accuracy entirely. I have never been late on any XXXX. 

Furthermore, during XXXX and XXXX, most of my accountsincluding this onewere under deferment arrangements with creditors due to COVID-19. Under the CARES Act, late payments should not have been reported during periods of accommodation. 

Additionally, there are discrepancies in the payment status. XXXX  and XXXX list the account as 60 days late, while Experian reports it as 30 days late. However, the payment history section does not reflect any 60-day delinquencythis status appears only in the payment summary, which further raises concerns about accuracy.

I have attached documentation showing the discrepancies and request the removal of these inaccurate late payments from my credit file immediately.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I am writing to dispute inaccurate late payment reporting on my credit report regarding my Bridgecrest account ( Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX ). XXXX  shows a late payment in XX/XX/XXXX, while XXXX  and XXXX  report a late payment in XX/XX/XXXX. Not only are these entries inconsistent across bureaus, but I also dispute their accuracy entirely. I have never been late on any Bridgecrest. 

Furthermore, during XXXX and XXXX, most of my accountsincluding this onewere under deferment arrangements with creditors due to COVID-19. Under the CARES Act, late payments should not have been reported during periods of accommodation.

Additionally, there are discrepancies in the payment status. XXXX XXXX XXXX list the account as 60 days late, while XXXX  reports it as 30 days late. However, the payment history section does not reflect any 60-day delinquencythis status appears only in the payment summary, which further raises concerns about accuracy. 

I have attached documentation showing the discrepancies and request the removal of these inaccurate late payments from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: TX

Complaint narrative:
The membership had been cancelled and I moved far from the gym. The account showed paid and closed but then the gym reported it to my credit stating that I could've found a gym closer to me. I cancelled my membership with a XXXX balance. They're not going to tell me what they feel I should've done XXXX months after the fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-15 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear Consumer FinancialProtection Bureau, CFPB : Per the FDIC, A VALID COMPLAINT IS BEING FILED because XXXX XXXX XXXX XXXX XXXX, XXXX, has misappropriated, and embezzled my money from deposit accounts and on XXXX credit card. The amount stolen from me totals {$2100.00}, and I AM IN NEED OF MY MONEY, AS XXXX DEFIANTLY REFUSES TO COMPORT WITH BASIC BANKING REGULATION Z, NOR BANKING REGULATION Z, AND ARE FRAUDULENTLY TRYING TO MAKE ME RESPONSIBLE FOR XXXX 'S GRAFT, CORRUTION, FRAUD, THEFT, MISAPPROPRIATING OF BANK AND CREDIT CARD FUNDS, AND EMBEZZLEMENT. 

I ATTEST, AFFIRM, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Best, XXXX XXXX XXXX MD PHONE : XXXX AND XXXX EMAIL : XXXX AND 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 non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Dear Consumer FinancialProtection Bureau, CFPB : Per the FDIC, A VALID COMPLAINT IS BEING FILED because XXXX XXXX XXXX XXXX XXXX, XXXX, has misappropriated, and embezzled my money from deposit accounts and on XXXX credit card. The amount stolen from me totals {$2100.00}, and I AM IN NEED OF MY MONEY, AS XXXX DEFIANTLY REFUSES TO COMPORT WITH BASIC BANKING REGULATION Z, NOR BANKING REGULATION Z, AND ARE FRAUDULENTLY TRYING TO MAKE ME RESPONSIBLE FOR XXXX 'S GRAFT, CORRUTION, FRAUD, THEFT, MISAPPROPRIATING OF BANK AND CREDIT CARD FUNDS, AND EMBEZZLEMENT. 

I ATTEST, XXXX, AND CERTIFY THE INFORMATION IS VERY ACCURATE AND VERY TRUTHFUL. 

Best, 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 2025-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
In XX/XX/XXXX, I was contacted by XXXX and XXXX regarding an alleged TD Bank account that was charged off in XXXX for {$410.00}. TD Bank confirmed in writing that the last activity on the account was XX/XX/XXXX, and the account was charged off on XX/XX/XXXX. TD Bank further confirmed that there was never a fraud flag or allegation on the account. The debt was sold to XXXX XXXX in XXXX. 

XXXX and XXXX is now attempting to collect over {$1600.00} and has falsely threatened to sue me for breach of contract and malicious intent to defraud a financial institution. These statements are completely baseless and misleading. 

This debt is well beyond the statute of limitations under all relevant jurisdictions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Threatening legal action on a time-barred debt, and implying criminal liability where no fraud occurred, violates multiple provisions of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ( 2 ), ( 4 ), ( 5 ), and ( XXXX ) ). 

I sent a formal certified dispute and cease & desist letter on XX/XX/XXXX, demanding validation of the debt. To date, no validation has been provided, and unlawful threats continue. 

I am requesting that the CFPB review this matter and hold XXXX and XXXX accountable for unfair and deceptive collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 168b permissible purposes of consumer reports. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 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: MD

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: TX

Complaint narrative:
I had my social stolen and someone took out student loans in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: GA

Complaint narrative:
I am filing this complaint because XXXX XXXX  XXXX XXXX XXXX reinserted a previously disputed and removed tradeline on my credit report without following FCRA procedures and without validating the account as required by law. The re-reporting is unlawful, damaging, and retaliatory in nature. 

Facts : This account was not opened by me. I have never lived at any of the addresses associated with this account. 
I submitted a formal identity theft affidavit to the FTC, filed a police report, and reported the issue to the XXXX. 
I properly disputed this account with XXXX Bank and the Credit Reporting Agencies. 
After a prolonged dispute, the account was finally removed from my credit reports due to lack of validation and strong evidence supporting identity theft. 
XXXX XXXX  reinserted the account after removal, in direct violation of FCRA Section 611 ( a ) ( 5 ) ( B ), which requires : Written notice to the consumer within 5 business days after reinsertion ; Certification of accuracy from the furnisher to the CRA prior to reinsertion. 

I received no such notice or certification, and the account remains unverifiable. 

Legal Violations : FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted account without notice or certification. 
FCRA 623 ( a ) ( 3 ) : Continuing to report inaccurate information after being notified of dispute. 
FCRA 623 ( b ) : Failure to conduct reasonable investigation following dispute. 
FCRA 605B : Failure to block fraudulent information after receipt of identity theft report. 

Relief Sought : 1. Immediate and permanent removal of the XXXX XXXX  account from all credit bureaus. 
2. Written confirmation that the account has been deleted and will not be reinserted. 
3. Review of XXXX XXXX furnishing procedures for compliance with the FCRA . 
4. Monetary damages if applicable for continued reporting of false information and credit harm. 

Supporting Documents Available Upon Request : FTC Identity Theft Affidavit Police report XXXX report Copies of credit reports with removal and reappearance Prior dispute correspondence Proof of non-association with addresses linked to the account If this issue is not resolved promptly, I will pursue legal action for statutory damages, actual damages, and attorneys fees under the FCRA

Company response to consumer: Closed with explanation