vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: ME

Complaint narrative:
I hope this message finds you well. I'm writing to formally dispute some incorrect information that appears on my recent credit report. 

After reviewing my report carefully, I noticed an account listed that does not belong to me. The entry reflects a late payment and an outstanding balance that I believe are reported in error. I have never had an account with this creditor, and Im concerned about how this might be impacting my credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 submitting a formal complaint concerning inaccurate and inconsistent reporting by the three major credit bureaus : TransUnion, Equifax, and Experian. Despite my efforts to resolve these issues directly with the bureaus, several derogatory items remain on my reports with conflicting data, adversely affecting my financial well-being. 

Personal Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Phone Number : XXXX Email Address : XXXX Summary of Issues : XXXX  XXXX Charge-off listed with differing statuses and dates reported. 

XXXX XXXX XXXX. Inconsistent reporting and unverifiable late payments. 

XXXX XXXX XXXX XXXX XXXX with multiple inaccuracies. 

XXXX XXXX XXXX  Duplicate entries and inconsistent balances. 

XXXX XXXX history and charge-off dates vary across bureaus. 

XXXX XXXX  Account closed and paid ; requesting deletion. 

XXXX XXXX {$0.00} balance charge-off ; should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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 submitting a formal complaint concerning inaccurate and inconsistent reporting by the three major credit bureaus : TransUnion, Equifax, and Experian. Despite my efforts to resolve these issues directly with the bureaus, several derogatory items remain on my reports with conflicting data, adversely affecting my financial well-being. 

Personal Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year>XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX Phone Number : XXXX Email Address : XXXX Summary of Issues : XXXX  XXXX Charge-off listed with differing statuses and dates reported. 

XXXX XXXX XXXX. Inconsistent reporting and unverifiable late payments. 

XXXX XXXX XXXX XXXX XXXX with multiple inaccuracies. 

XXXX XXXX XXXX  Duplicate entries and inconsistent balances. 

XXXX XXXX history and charge-off dates vary across bureaus. 

XXXX XXXX  Account closed and paid ; requesting deletion. 

XXXX XXXX {$0.00} balance charge-off ; should be removed.

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 2025-06-05 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: TX

Complaint narrative:
This is a formal request to delete the fraudulent accounts listed on my credit report. I did not consent to their creation. Under 15 U.S.C. 1681g, I expect these accounts to be removed within 15 days of receipt of this letter. Supporting documents are included.

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 2025-06-05 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:
Accounts are being reported under my name without my knowledge or consent. I have never opened or managed them. This is entirely unacceptable and misrepresents my financial history. I take my credit profile seriously, and these unauthorized accounts are a serious concern. I demand immediate clarification regarding their origin and who is responsible for reporting 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 non-monetary relief
Consumer complaint received 2025-06-05 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
XX/XX/XXXX {$1500.00} show 's that account is opened and that I took a loan out on XX/XX/XXXX which is not true. 
XX/XX/XXXX {$730.00} medical I have health insurance this should not be on my report XX/XX/XXXX {$400.00} I did not open this account XX/XX/XXXX {$200.00} I did not open XXXX account XX/XX/XXXX {$350.00} I did not open this account XX/XX/XXXX {$1200.00} did not open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: NC

Complaint narrative:
Issue : Incorrect information on my credit report Company : XXXX  Date of Problem : [ Enter Date You Noticed the Error ] Complaint : I am submitting this complaint because my XXXX  credit report contains multiple inaccurate and unverifiable items. I contacted XXXX  and requested an investigation, but they have not properly addressed or removed the disputed accounts and inquiries. 

Here are the disputed items : Unauthorized Inquiry XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( listed twice ) XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I am requesting that the CFPB help ensure XXXX  investigates these items properly and removes any information that can not be verified. I am also requesting a corrected copy of my credit report and that XXXX  notify any companies who received the incorrect report in the past six months.

Im attaching a letter I already sent to XXXX  along with a copy of my credit report highlighting the issues. 

Thank you for your help in resolving this matter. 

Let me know if you'd like help filling out the online form or if you'd like a version of this for XXXX  or TransUnion too.

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 2025-06-05 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: LA

Complaint narrative:
I am requesting the immediate removal of these fraudulent accounts from my credit report, as I did not authorize them and was unaware of their existence. In accordance with USC 1681g, please delete them within 15 days. Supporting documents are enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Please update my personal information 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 non-monetary relief
Consumer complaint received 2025-06-05 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:
Subject : Request for Investigation Regarding TransUnion and Equafax for Account Verification Method how they verify for third-party if I never give any permission that's identity theft according to the law Under Section 1681b of the Fair Credit Reporting Act ( FCRA ), a credit reporting agency may only disclose information on a credit report if there is a legitimate purpose, such as a credit application initiated by me, a specific legal obligation, or my express authorization. Dear Sir or Madam at the Fair Business Practices Branch, I am writing to request your assistance in investigating an account verification procedure conducted by TransUnion and Equafax. Recently, through this portal " I have experienced difficulties accessing my accounts, a failed verification To better understand this situation and take the necessary steps, I require TransUnion and Equafax to provide me with detailed information regarding the specific method they used to Verify my bankruptcy and the account associated with my name and the last XXXX digits of my Social Security Number XXXX. Specifically, I am requesting the following information : The exact verification method that was attempted or used. The date and time when the verification attempt was made. In the event of a failed verification, the specific reason for the failure, if recorded. Any documentation or records that Both possesses regarding this verification process in my case. I would greatly appreciate your intervention in obtaining this information from TransUnion and Equafax. I believe it is essential to understand the details of the verification process to resolve any existing issues and ensure the security of my personal information. Attached to this letter, please find mention any attached documents, Thank you for your time and valuable assistance in this matter. I am available to provide any additional information you may require and please they only send me a letter with not documents or anything about the investigation. Sincerely they do whatever they want with us. Please HELP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: MD

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
XXXX XXXX XXXX has failed to properly respond to multiple formal disputes regarding an account falsely reported as charged-off every month since XXXX. This constitutes unlawful re-aging of derogatory information and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). Despite receiving a formal demand for arbitration and a cease communication order, XXXX has ignored all correspondence and continues to report the account inaccurately. 

I sent multiple disputes to XXXX via certified mail ( tracking # XXXX ), received on XX/XX/XXXX. 
XXXX was provided documentation of their FCRA violations, including failure to update or correct the tradeline, and was formally served with an Election of Arbitration, which they have refused to acknowledge. 
I requested a 1099-C form if the debt was canceled ; no confirmation or denial was ever provided. 
XXXX has also ignored : My formal cease and desist letter A detailed Demand for Deletion Prior dispute letters to the credit bureaus Ongoing harm caused by this inaccurate reporting, including credit denials, emotional distress, and denial of housing and funding. 

Violations Cited : FCRA 623 ( a ) ( 5 ) : Improper delinquency reporting FCRA 611 : Failure to reinvestigate FDCPA 805 ( c ) : Ignoring cease communication FCRA 607 ( b ) : Inadequate procedures to ensure accuracy IRS Code 6050P : 1099-C related compliance failure Breach of Arbitration Clause : As found in XXXX Terms of Use Supporting Documents : Attach the following when prompted by CFPB : Final dispute and arbitration demand letter ( XX/XX/XXXX ) Cease & Desist letter USPS proof of delivery ( certified mail ) Screenshot of credit reports with ongoing negative reporting XXXX stall or non-responses ( if applicable ) Any evidence of credit denial or 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 2025-06-05 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: CA

Complaint narrative:
XXXX XXXX XXXX has failed to properly respond to multiple formal disputes regarding an account falsely reported as charged-off every month since XXXX. This constitutes unlawful re-aging of derogatory information and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). Despite receiving a formal demand for arbitration and a cease communication order, XXXX has ignored all correspondence and continues to report the account inaccurately. 

I sent multiple disputes to XXXX via certified mail ( tracking # XXXX ), received on XX/XX/XXXX. 
XXXX was provided documentation of their FCRA violations, including failure to update or correct the tradeline, and was formally served with an Election of Arbitration, which they have refused to acknowledge. 
I requested a 1099-C form if the debt was canceled ; no confirmation or denial was ever provided. 
XXXX has also ignored : My formal cease and desist letter A detailed Demand for Deletion Prior dispute letters to the credit bureaus Ongoing harm caused by this inaccurate reporting, including credit denials, emotional distress, and denial of housing and funding. 
Violations Cited : FCRA 623 ( a ) ( 5 ) : Improper delinquency reporting FCRA 611 : Failure to reinvestigate FDCPA 805 ( c ) : Ignoring cease communication FCRA 607 ( b ) : Inadequate procedures to ensure accuracy IRS Code 6050P : 1099-C related compliance failure Breach of Arbitration Clause : As found in XXXX Terms of Use Supporting Documents : Attach the following when prompted by CFPB : Final dispute and arbitration demand letter ( XX/XX/XXXX ) Cease & Desist letter USPS proof of delivery ( certified mail ) Screenshot of credit reports with ongoing negative reporting XXXX stall or non-responses ( if applicable ) Any evidence of credit denial or financial harm

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
XXXX XXXX XXXX has failed to properly respond to multiple formal disputes regarding an account falsely reported as charged-off every month since XXXX. This constitutes unlawful re-aging of derogatory information and inaccurate credit reporting under the Fair Credit Reporting Act ( FCRA ). Despite receiving a formal demand for arbitration and a cease communication order, XXXX has ignored all correspondence and continues to report the account inaccurately. 

I sent multiple disputes to XXXX via certified mail ( tracking # XXXX ), received on XX/XX/XXXX. 
XXXX was provided documentation of their FCRA violations, including failure to update or correct the tradeline, and was formally served with an Election of Arbitration, which they have refused to acknowledge.

I requested a 1099-C form if the debt was canceled ; no confirmation or denial was ever provided. 
XXXX has also ignored : My formal cease and desist letter A detailed Demand for Deletion Prior dispute letters to the credit bureaus Ongoing harm caused by this inaccurate reporting, including credit denials, emotional distress, and denial of housing and funding. 

Violations Cited : FCRA 623 ( a ) ( 5 ) : Improper delinquency reporting FCRA 611 : Failure to reinvestigate FDCPA 805 ( c ) : Ignoring cease communication FCRA 607 ( b ) : Inadequate procedures to ensure accuracy IRS Code 6050P : 1099-C related compliance failure Breach of Arbitration Clause : As found in XXXX Terms of Use Supporting Documents : Attach the following when prompted by CFPB : Final dispute and arbitration demand letter ( XX/XX/XXXX ) Cease & Desist letter USPS proof of delivery ( certified mail ) Screenshot of credit reports with ongoing negative reporting XXXX stall or non-responses ( if applicable ) Any evidence of credit denial or 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 non-monetary relief
Consumer complaint received 2025-06-05 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: OK

Complaint narrative:
I did not open or authorize these accounts, and it is unjust for me to be held responsible for them. I request immediate action to resolve this issue.

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 2025-06-05 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
I signed up for a gym membership in the month of XXXX, but unfortunately, due to unforeseen circumstances, I was unable to continue making the monthly payments. As a result, the gym referred the matter to a law firm to recover the outstanding balance. 
Originally, I owed {$240.00} for one or two missed payments. However, instead of charging me only that amount, they added an additional charge of {$810.00}, claiming that as of XX/XX/year>, I also owed this larger amountwithout clearly explaining what the charge was for. 
This brought the total balance to an outrageous {$1000.00}, which I believe is unfair and unjustified given the lack of transparency regarding the additional charges. Also, I believe that I am still being charged for the monthly membership adding on to what I previously owe the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TN

Complaint narrative:
I am filing this complaint regarding the inaccurate and unlawful reporting of a charge-off/collection account on my credit report. I have contacted the furnisher and/or debt collector to no avail, and am now requesting the assistance of the CFPB to ensure that my rights under federal law are upheld. 

Details of the Issue : XXXX Name : XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> This account is currently being reported as a charge-off/collection on my credit report by [ Equifax/Experian/TransUnion ]. I dispute the accuracy and completeness of the information and raise the following legal concerns : Violations Noted : 1. Violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) The FCRA requires that furnishers of information maintain maximum possible accuracy. I have reason to believe the information being reported is inaccurate and/or unverifiable, including but not limited to : Inconsistent data across bureaus ( e.g., different balances, dates of delinquency, or account statuses ) Violation of 15 U.S.C. 1681i Failure to Investigate Disputed Information I submitted a formal dispute to the credit bureaus and/or the furnisher. Under this statute, they are obligated to conduct a reasonable investigation and remove or correct any unverifiable or inaccurate information within 30 days. That did not occur in this case.

Company response to consumer: Closed with explanation