vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Professional Credit Management, Inc
State: AR

Complaint narrative:
I am disputing the accuracy and legality of a debt reported by Professional Credit Management under account number XXXX. This account is being reported as a medical collection on my credit report. 
According to the XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX and the Fair Credit Reporting Act ( FCRA ), medical debt reporting is strictly regulated. Additionally, as of XX/XX/XXXX, the nationwide credit reporting agencies ( XXXX XXXX XXXX XXXX ) announced that paid medical collection debt will no longer be included on consumer credit reports. Furthermore, beginning XX/XX/XXXX, the credit reporting agencies stated that medical collection debt with an initial reported balance of less than {$500.00} should not appear on credit reports at all. 
By continuing to report this debt, Professional Credit Management and the credit reporting agencies are in violation of the FCRA ( 15 U.S.C. 1681 et seq. ) because they are furnishing information that is inaccurate, incomplete, and legally prohibited from appearing on my consumer file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Bridge IT, Inc.
State: NV

Complaint narrative:
I noticed an alert on my credit report that my score had dropped XXXX points. When I researched how an account that isn't mine was reported. I emailed the co and they couldnt find the account and then quit responding to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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 have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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.

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
Could you please help me investigate accounts that are misreported as late by these companies? Ive reviewed my credit report and noticed these accounts inaccurately display late payment remarks. Those should be removed, and the accounts should be updated to the positive status we agreed upon. One account is also listed as delinquent unjustly ; Id like this to be disputed and corrected to show no late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX CARD Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : THD/CBNA Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$5200.00} Account Name : CAPITAL XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : SYNCB/PPC Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5700.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX CARD Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$10000.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
Unauthorized accounts have been added to my credit report. I did not open, authorize, or approve these accounts, nor was I informed of their presence. Despite this, they are being reported across the credit bureaus, and the information shown is inconsistent and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: FL

Complaint narrative:
I disputed several inaccurate items with Experian, including late payments and a charge-off. Experian responded but did not provide proper documentation. 

XXXX Mortgage : reported a XXXX late in XX/XX/XXXX. I never missed this payment. 

XXXX : reported XXXX and XXXX lates in XXXX. No proof was provided. 

XXXX XXXX XXXXXXXX ( XXXX & XXXX accounts ) : multiple late payments and past due balances. No proof was provided. 

XXXX ( XXXX XXXX ) : originally reported as charge-off, later marked as included in bankruptcy. Experian has not provided verification. 

Under FCRA 607 ( b ) and 611 ( a ), Experian must ensure maximum accuracy and delete unverifiable or incorrect information. I request CFPB assistance to force Experian to delete these negative items since Experian did not provide documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
On XX/XX/year> I filed a complaint with the CFPB ( complaint ID XXXX XXXX ) regarding an inaccurate account on my credit report. 
The CFPB notified the furnisher, but the company responded that it ( CAN NOT ) respond to the issue raised in this complaint through this process. 
This refusal to verify is a direct violation of the FAIR CREDIT REPORTING ACT ( FCRA ), including : 15 U.S.C. 1681s-2 ( b ) : DUTY OF FURNISHER TO INVESTIGATE DISPUTES.

15 U.S.C.1681i ( a ) : DUTY OF CREDIT BUREAUS TO DELETE UNVERIFIABLE INFORMATION.

15 U.S.C.1681e ( b ) : DUTY TO ENSURE MAXIMUM POSSIBLE ACCURACY. 

Because the furnisher refused to verify, the account is legally unverifiable and must be deleted. continuing to report is unlawful, I am requesting CFPB enforcement action to hold the furnisher accountable and to direct Experian, TransUnion, and Equifax to ( DELETE ) this account I DEMAND PERMANENT DELETION WITHIN 15 calendar days. 
if not, I will escalate further with the FTC, the Ohio Attorney General 's office, and pursue Civil action for damages

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: FL

Complaint narrative:
PENFED CREDIT UNION reported I owe them $ XXXX on a Overdraft XXXX XXXX of XXXX {$300.00} dollars, using a 5189 % on the product which is imposible. 
This report cause my credit score inmediately decrease from XXXX to XXXX in XXXX, this is crazy!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened AT AN AUTO LOAN AT XXXX XXXX on XX/XX/year> under the account number ( XXXX ), an auto loan. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and ineesitofCentythetand fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) 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 2025-09-03 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: NY

Complaint narrative:
XXXX XXXX XXXX {$8900.00} XX/XX/XXXX. 
In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX ( i ) ( XXXX ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: NY

Complaint narrative:
XXXX XXXX XXXX {$8900.00} XX/XX/XXXX. 
In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). And according to XXXX XXXX XXXX ( i ) ( XXXX ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations 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 2025-09-03 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: OH

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/year>, and received a discharge on XX/XX/year>. I paid all my accounts on time up until XX/XX/year>, and I have never had a single late payment on any account before filing for bankruptcy. 

However, my credit report is now showing XXXX late payments ( XXXX days ) on multiple ( XXXX ) accounts - these are not accurate and were not present at the time I filed. Any missed payments reported after XX/XX/year>, are legally invalid under bankruptcy law. 

I requested and reviewed my XXXX Full File XXXX Report, and it shows no delinquent accounts or verified late payments. This proves that these late payments are not based on any verified public record. 

These late payments are inaccurate, damaging, and illegal under the Fair Credit Reporting Act ( FCRA ) and bankruptcy protection rules. I am requesting that all late payments reported after my filing date of XX/XX/year>, be removed immediately, and that all affected accounts be corrected to show Included in Bankruptcy with a {$0.00} balance and no post-filing delinquencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : The account below was fraudulently opened on the XX/XX/year> and sent to collections on : XX/XX/year> XXXXXXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Yes I noticed a inquiry on my credit report from bank of America and I did not authorize this inquiry and ask that it be removed 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 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
I had an installment loan that got moved to a third party collector.After paying it off I provided the pay off letter to the original creditor and they refuse to update and bring my account to a XXXX  balance. This situation along prohibits me from obtaining credit in the future with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: CA

Complaint narrative:
I am a XXXX XXXX XXXX, and the information listed below on my credit report is a result of that XXXX  : Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$13000.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5200.00} Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$5700.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1900.00} Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$10000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with section 605C of the Fair Credit Reporting Act, I request that this information be blocked from my credit report within four business days. Please notify me of the actions taken in response to this request.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rosebud Economic Development Corporation
State: CA

Complaint narrative:
this company has been sued for predatory lending practices they refuse to remove off my credit i have contacted the credit bureaus and they cant get a hold of them because the website is no longer active so they wont help i have a lot of emails that they use to send threatening me trying to force me to pay a debt that has been discharged

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company response to consumer: Closed with non-monetary relief