vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-13 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: AZ

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-11-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Wilber and Associates, P.C.
State: IL

Complaint narrative:
In XX/XX/XXXX I moved to California but in XXXX I was called and told I owe debt. Since then I have had my Illinois license suspended, which expired in XX/XX/XXXX. I have tried to make payments but they keep increasing the price. I do not know what the nature of these charges are or why theyre increasing. I also never had any court dates, or served any paperwork in regards to a lawsuit. I continue to be extorted and threatened with my Illinois license, which expired, suspended. I have a valid California Drivers license. I am writing to file a formal complaint regarding the inaccurate reporting of a debts, obligation to payment, unlawful deprivation against rights under Color of Law ( 42 USC 1983 ), violations of Due Process ( 18 USC 241 ; 18 USC 242 ), Fraud ( 15 USC 1644 ), Extortion ( 18 USC 1951 ; 18 USC 873 ; 18 USC 873 ; 18 USC 875 ). The presence of this alleged debt, or obligations of payment inaccurately, unlawfully, reflects incorrect payment history ( 15 USC 1692e ), incorrect debt amounts, incorrect/fraudulent obligation of payments ( 15 USC 1666b ), use of predatory and unconscionable contracts ( UCC 1 , 2, 9 ), and mail fraud ( 18 USC 1001 ) as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
THE REPORTING AGENCY HAS FAILED TO PROVIDE THE REQUIRED METHOD OF VERIFICATION AND HAS REFUSED TO DISCLOSE THE SPECIFIC SOURCES OR DOCUMENTATION USED TO VERIFY THE DISPUTED INFORMATION, IN DIRECT VIOLATION OF 15 U.S.C. 1681I ( A ) ( 6 ) ( B ) ( III ). THIS FAILURE DENIES ME MY STATUTORY RIGHT TO UNDERSTAND HOW AND FROM WHOM THE DATA WAS VERIFIED. INSTEAD OF PROVIDING ANY SUBSTANTIVE PROOF OR AUTHENTIC RECORDS, THE AGENCY MERELY RE-STATED THE SAME INFORMATION THAT WAS ALREADY IN DISPUTE AN ACTION THAT DOES NOT CONSTITUTE A VALID OR LAWFUL REINVESTIGATION. 
THIS BEHAVIOR SHOWS A CLEAR PATTERN OF PROCEDURAL MISCONDUCT AND NONCOMPLIANCE WITH FEDERAL INVESTIGATION STANDARDS. THE AGENCYS ACTIONS INDICATE EITHER A TOTAL ABSENCE OF PROOF OR AN INTENTIONAL REFUSAL TO DISCLOSE SUCH PROOF, BOTH OF WHICH VIOLATE THE FCRAS REQUIREMENTS FOR TRANSPARENCY, ACCOUNTABILITY, AND DUE PROCESS. 
FURTHERMORE, THE AGENCY IGNORED MY CONSUMER STATEMENT AND FAILED TO INCLUDE IT IN THE FILE OR REPORTS PROVIDED TO THIRD PARTIES, AS REQUIRED BY 15 U.S.C. 1681I ( B ). THIS DENIES ME THE RIGHT TO HAVE MY DISPUTE FAIRLY REPRESENTED AND FURTHER DEMONSTRATES DISREGARD FOR CONSUMER PROTECTION OBLIGATIONS. 
THE FAILURE TO PROVIDE THE METHOD OF VERIFICATION, TO DISCLOSE ORIGINAL SOURCE DATA, AND TO INCLUDE MY CONSUMER STATEMENT IS A SYSTEMIC BREACH OF DUTY THAT UNDERMINES THE CREDIBILITY AND INTEGRITY OF THE ENTIRE REPORTING PROCESS.

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 2025-11-13 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: IL

Complaint narrative:
My personal and financial information was compromised without my authorization.

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This Breach is a clear violation of FERPA and your responsibility to safeguard my information

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 2025-11-13 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: IL

Complaint narrative:
My personal and financial information was compromised without my authorization. 

The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This Breach is a clear violation of FERPA and your responsibility to safeguard my information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions 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 Identity Theft Report issued by the FTC ( FTC 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 XXXX ( XXXX ) 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 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 XXXX 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 EXPERIAN 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. 
Its 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 XXXX 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 and financial harm.

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 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: ND

Complaint narrative:
I am filing this complaint because I have repeatedly disputed inaccurate information on my credit report with all three credit bureaus, and the information continues to be reported despite the furnishers failure to provide verifiable documentation. 

Specifically, XXXX XXXX XXXX is reporting an auto loan ( Account ending in XXXX ) as a charge-off in the amount of {$5600.00}, opened XX/XX/XXXX, and closed as of XX/XX/XXXX. I have requested multiple times that the credit bureaus verify the accuracy of this tradeline, including the existence of a signed loan agreement, a complete payment history, and a valid accounting of the alleged balance. None of these have been provided, and the bureaus continue to verify without evidence. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), a furnisher must conduct a reasonable investigation and must not continue to report information it can not substantiate. I have never received documentation showing a legitimate debt obligation, and the dates and balances reported are inconsistent with my own records. 

Similarly, XXXX XXXX XXXX XXXX for XXXX ) is reporting a collection account ( Account ending in XXXX ) opened XX/XX/XXXX, with a balance of {$230.00}. Despite multiple validation requests under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), no contract, billing statement, or assignment has been produced to prove that this debt is valid or collectible. 

The credit bureaus have failed to properly reinvestigate these items after numerous disputes, violating their duties under 1681i ( a ) to conduct a reasonable reinvestigation and to delete unverifiable information. The furnishers ( XXXX XXXX XXXX and XXXX XXXX XXXX ) have also violated their duties under 1681s-2 ( b ) by continuing to furnish data they can not verify. 

I am requesting that the CFPB require : XXXX. The credit bureaus ( Experian, XXXX, XXXX  ) to provide proof of verification sources and documentation relied upon in their previous verified responses ; XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX to provide verifiable evidence of the debts including the original signed agreements, payment histories, charge-off calculations, and any sale or assignment documents ; 3. Immediate permanent deletion of the unverifiable tradelines from my credit reports under FCRA 1681i ( a ) ( 5 ) ( A ) for failure to verify.

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 2025-11-13 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: ND

Complaint narrative:
I am filing this complaint because I have repeatedly disputed inaccurate information on my credit report with all XXXX  credit bureaus, and the information continues to be reported despite the furnishers failure to provide verifiable documentation. 

Specifically, XXXX XXXX XXXX is reporting an auto loan ( Account ending in XXXX ) as a charge-off in the amount of {$5600.00}, opened XX/XX/XXXX, and closed as of XX/XX/XXXX. I have requested multiple times that the credit bureaus verify the accuracy of this tradeline, including the existence of a signed loan agreement, a complete payment history, and a valid accounting of the alleged balance. None of these have been provided, and the bureaus continue to verify without evidence. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), a furnisher must conduct a reasonable investigation and must not continue to report information it can not substantiate. I have never received documentation showing a legitimate debt obligation, and the dates and balances reported are inconsistent with my own records. 

Similarly, XXXX XXXX XXXX XXXX for XXXX ) is reporting a collection account ( Account ending in XXXX ) opened XX/XX/XXXX, with a balance of {$230.00}. Despite multiple validation requests under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), no contract, billing statement, or assignment has been produced to prove that this debt is valid or collectible. 

The credit bureaus have failed to properly reinvestigate these items after numerous disputes, violating their duties under 1681i ( a ) to conduct a reasonable reinvestigation and to delete unverifiable information. The furnishers ( XXXX XXXX XXXX and XXXX XXXX XXXX ) have also violated their duties under 1681s-2 ( b ) by continuing to furnish data they can not verify. 

I am requesting that the CFPB require : XXXX. The credit bureaus ( XXXX, XXXX, TransUnion ) to provide proof of verification sources and documentation relied upon in their previous verified responses ; XXXX. XXXX XXXX XXXX and XXXX XXXX XXXX to provide verifiable evidence of the debts including the original signed agreements, payment histories, charge-off calculations, and any sale or assignment documents ; 3. Immediate permanent deletion of the unverifiable tradelines from my credit reports under FCRA 1681i ( a ) ( 5 ) ( A ) for failure to verify.

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 2025-11-13 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
In XXXX, I financed a laptop through Dell PayXXXX and fully paid off the balance in XX/XX/XXXX. After payoff, the account continued to charge me approximately {$20.00} {$25.00} per month, which I believed were residual finance charges or an account maintenance fee. I paid these charges each month without issue. 

I later discovered that these charges were not interest or account fees but were tied to a subscription service that I did not knowingly activate and have not used in over a year. I was out of the country for an extended period and was also dealing with verified medical and mental-health difficulties, which prevented me from recognizing or addressing the unexpected subscription charges. As a result, a single late payment occurred. 

The moment I identified the unexpected charges, I contacted Dell Pay to cancel the subscription and request reversal of the fees. Dell Pay refused to reverse the fees or remove the late payment, stating policy, even though the underlying subscription had not been knowingly authorized, used, or clearly disclosed as a recurring bill tied to a paid-off device. 

This late payment has caused an approximately XXXX drop in my credit score and has severely impacted my financial standing. This is my only late payment, and I have an otherwise clean and responsible payment history. 

I am requesting that Dell PayXXXX : XXXX. Reverse the disputed subscription fees and late charges ; XXXX. Remove or correct the inaccurate late payment reporting ; XXXX. Consider a one-time goodwill correction due to the circumstances, including medical/mental-health hardship and the lack of clear disclosure regarding this recurring subscription. 

I am asking the CFPB to help review this matter because my attempts to resolve it directly have been unsuccessful, and the consequences of this single unexpected late payment are disproportionately harmful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
Good day. I am extremely frustrated and deeply concerned to discover that not one, but two collection accounts have been placed on my credit file for debts I do not recognize, do not owe, and have never authorized. These unverified accounts have resulted in persistent harassment across multiple communication platforms, with aggressive tactics and even threats of legal action. As a law-abiding consumer, this treatment is unacceptable and a clear violation of my rights. The ongoing stress and anxiety from dealing with these fraudulent accounts have genuinely affected my mental well-being and disrupted my ability to sleep for days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
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: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I entered into a buying contract to buy a property and a few days later on XX/XX/year> I received a phone call from the loan officer that one of my accounts had a 60 late payment. I opened my credit report and saw that XXXX XXXX reported a 60 day late payment to my credit report. I checked my information with them and saw they had a a right address but a different zip code. I checked the email and saw they had an incorrect email and the phone number was an old phone number as well. I explained to them that their information was wrong and asked the customer service to update all that. After I spoke about how to correct the late payment reporting on my credit report and she transfered me to the collections department. Collection department refused to talk to me as my account was current, I was trannsfered back to customer service and was advised to go to the credit bureaus. I explained to her that credit bureaus report only what you report to them and do not change the information unless furnished otherwise by the reporter. I understood that the customer service was of a low competence and decided to ask for a supervisor, the supervisor showed no interest in helping me and hang up the phone on me. I later checked the statement and saw it had a completely different address on it. I was making the payments previously by guessing and always sending them 2 or 3 times more than what was required but never ever had i received a statement an email or. phone call from them.

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 2025-11-13 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: TX

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof.

I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute.

I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$30000.00} Unauthorized Inquiries to Be Deleted : Inquiries : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Sent unsolicited Citi master card with {$37000.00} limit. Did not request this.

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