vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-27 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: MI

Complaint narrative:
This complaint is about inaccurate and unlawful reporting by both Comenity Capital Bank and XXXX XXXX XXXX. The account status being reported can not be verified, is contradictory, and violates FCRA 611, 623, and XXXX XXXX reporting requirements. 

1. XXXX XXXX XXXX admitted TWICE that they acquired the account and later deleted their tradeline. 
On XX/XX/XXXX, XXXX stated they acquired the XXXXComenity account, verified the debt, and later terminated collection efforts and sent deletion requests to the credit bureaus. 
This matches XXXX update between XX/XX/XXXX and XX/XX/XXXX, confirming the XXXX XXXX collection was removed. 

2. On XX/XX/XXXX, XXXX submitted a second response claiming that the complaint seems to be regarding the original creditor, contradicting their first admission. 
These contradictions make the account unverifiable under FCRA 611 ( a ). 

3. Comenity Capital Bank admitted on XX/XX/XXXX that : They are no longer the creditor They sold the account on XX/XX/XXXX to XXXX XXXX XXXX They reported a {$0.00} balance owed Despite this, Comenity continues to : Report a current charge-off Update the tradeline monthly Verify the account during disputes Refuse deletion A sold account can not be legally updated, verified, or reported as a new charge-off. 
This violates FCRA 623 ( a ) ( 1 ) ( A ) and XXXX XXXX Sold Account guidelines. 

4. Reinsertion violations : After XXXX deleted their tradeline, no credit bureau issued an FCRA 611 ( a ) ( 5 ) ( B ) reinsertion notice. 
This is a federal violation. 

5. Reporting now conflicts between both companies : Comenity claims they no longer own the account. 
XXXX claims they acquired, verified, and then deleted it. 
Comenity continues to report derogatory information. 
The information can not be verified by either furnisher. 
Under FCRA 611 ( a ) ( 1 ) ( 5 ), unverifiable or contradictory information must be deleted. 

Requested Resolution : I am requesting the CFPB to : Order Comenity Capital Bank to delete the entire tradeline from all credit bureaus Confirm XXXX XXXX  deletion remains removed Address the reinsertion violations Enforce FCRA 611, 623 and XXXX XXXX reporting requirements The account can not be legally reported or verified and must be permanently deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-27 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: NC

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a Procedural Request under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) regarding the XXXX account appearing in my credit file. Creditor : XXXX XXXX XXXX Status : Charge-off Balance : {$0.00} Remarks : Paid profit and loss AND Purchased by another lender Closed : XX/XX/2022 You reported that the account was verified, yet no documentation was provided to me. I am demanding the following : The name, direct phone number, and business address of the person who verified the account. 

The exact method used to verify the information. 

Copies of all documents, records, and communications provided by the furnisher. 

A complete description of your reinvestigation procedures. 

The date and time the furnisher verified the account. 

If you can not provide the above as per federal law, you must delete the account 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 2025-11-27 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: FL

Complaint narrative:
I am filing this complaint as the verified owner of this credit file regarding multiple serious inaccuracies that have remained unresolved despite my previous disputes submitted to Experian, Equifax, and TransUnion, and this now represents my fourth formal attempt to have these issues corrected. The continued presence of these errors demonstrates an ongoing failure by all three bureaus to comply with their legal obligations under federal law, including the requirement to maintain reasonable procedures to ensure maximum possible accuracy of the information they report. Specifically, the collection account XXXX XXXX XXXX XXXX with a balance of {$3600.00} continues to appear inaccurately across Experian, Equifax, and TransUnion despite multiple prior disputes, and its continued reporting is misleading, factually incorrect, and in clear violation of FCPA 807 ( 15 U.S.C. 1692e ), which prohibits false or deceptive representations, as well as FDCPA 809 ( 15 U.S.C. 1692g ), which requires proper verification of a debt when requested by the consumer. This account has never been properly validated and should have been permanently removed after my initial dispute, yet all three bureaus continue to report it. Additionally, several inquiries on my TransUnion report remain unauthorized, unverified, and damaging to my credit profile, including XXXX XXXX XXXXXXXX XX/XX/year>XXXX XXXX XXXX and XXXX XXXXXX/XX/year> XXXX which violate FCRA 619 ( 15 U.S.C. 1681q ), FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), and FCRA 604 ( f ) ( 15 U.S.C. 1681b ( f ) ) because they were not authorized by me nor supported by any permissible purpose. These unresolved and improperly reported items continue to harm my creditworthiness, financial opportunities, and personal reputation, and despite multiple follow-ups, the bureaus have failed to take corrective action or remove the disputed information as required under federal law. I am therefore requesting regulatory intervention, as it is clear the bureaus are not complying with the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, or their duty to maintain accurate consumer reporting standards.

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 2025-11-27 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: FL

Complaint narrative:
I am submitting my XXXX expedited follow-up complaint regarding multiple inaccurate, unverifiable, and outdated charge-off and collection accounts that continue to appear on my credit file despite prior disputes. The following accounts remain unresolved and continue to negatively impact my credit profile XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2300.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balances Owed : {$10000.00} ; {$6600.00} ; {$0.00}, XXXX XXXX XXXX XXXX Balance Owed : {$37000.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} ( XXXX entries ), XXXX XXXX XXXX  Balance Owed : {$4600.00}, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$3500.00}. These accounts continue to violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), 623 ( a ), and the Fair Debt Collection Practices Act ( FDCPA ) 809, which require accurate reporting, verification of debts, and timely removal of outdated information. Despite my prior disputes, the bureaus have failed to conduct a reasonable reinvestigation or provide original documentation verifying the debts. The continued reporting of these unverifiable and outdated accounts constitutes misrepresentation, misleading reporting, and noncompliance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: NM

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 explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am filing a complaint about several inaccurate and conflicting accounts on my XXXX  report. Multiple furnishers are reporting dates, balances, and statuses that do not match or are impossible under FCRA rules. 

The XXXX XXXX XXXX charged off account was charged off in XXXX but shows a past due amount as of XXXX. A charge off can not continue updating past due balances years later. It also reports written off and past due at the same time, which is contradictory. 

The XXXX  XXXX, Barclays Bank Delaware, and XXXX XXXX charge offs all show conflicting dates, balances, and status updates. Some of these accounts are older than the allowed reporting period. 

XXXX XXXX XXXX is reporting inconsistent dates and unverifiable information. 

XXXX XXXX XXXX XXXX did not update the paid collection accurately and shows inconsistent status information. 

I disputed these items with XXXX, but XXXX  marked them as verified without correcting the inaccurate and conflicting reporting. I request a full investigation and correction or deletion of any accounts that can not be fully verified with original records.

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 2025-11-27 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: SC

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and discovered several fraudulent personal loan accounts and credit inquiries that I did not authorize. The earliest fraudulent activity appears to have begun in XX/XX/XXXX with a XXXX XXXX account totaling {$3900.00}, followed by a XXXX  XXXX loan from XX/XX/XXXX totaling {$280.00}, an XXXX XXXX XXXX XXXX  from XX/XX/XXXX totaling {$23.00}, and an XXXX XXXX XXXX account from XX/XX/XXXX totaling {$320.00}. I also noticed unauthorized credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. After identifying these accounts, I confirmed that I did not open or request any of them and immediately began securing my information and reporting the fraud. I am submitting this statement so the involved companies can investigate and remove these fraudulent accounts and inquiries 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 non-monetary relief
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
On XX/XX/XXXX, I reviewed my credit report and discovered several fraudulent personal loan accounts and credit inquiries that I did not authorize. The earliest fraudulent activity appears to have begun in XX/XX/XXXX with a XXXX XXXX account totaling {$3900.00}, followed by a XXXX  XXXX loan from XX/XX/XXXX totaling {$280.00}, an XXXX XXXX XXXX XXXX  from XX/XX/XXXX totaling {$23.00}, and an XXXX XXXX XXXX account from XX/XX/XXXX totaling {$320.00}. I also noticed unauthorized credit inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX. After identifying these accounts, I confirmed that I did not open or request any of them and immediately began securing my information and reporting the fraud. I am submitting this statement so the involved companies can investigate and remove these fraudulent accounts and inquiries 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 2025-11-27 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: MI

Complaint narrative:
I am writing to formally dispute an inaccurate entry on my credit report. I neither authorized nor recognize this account. Enclosed are documents supporting my claim. Please investigate and remove this item from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
I am disputing inaccurate reporting by LVNV Funding LLC/Resurgent Capital Services regarding a XXXX  XXXX account with a balance of {$490.00}. The information being reported to the credit bureaus is not accurate and appears to be re-aged. 
LVNV/Resurgent is reporting incorrect dates on this account, including the opened date and delinquency timeline. According to the Account Summary provided by Resurgent, this account : shows a Date of Last Payment : XX/XX/XXXX was charged off by XXXX XXXX on XX/XX/XXXX and was acquired by XXXX on or about XX/XX/XXXX However, the way this account is currently reported on my credit report does NOT reflect these dates. The reporting makes the account appear newer and more recent than it actually is, which is considered re-aging under the Fair Credit Reporting Act ( FCRA 623 ( a ) ( 5 ) ) and is not permitted. Furnishers must report the true Date of First Delinquency ( DOFD ), which in this case clearly occurred before XX/XX/XXXX based on the last payment date. 

I am requesting that the furnisher update the reporting to reflect the accurate DOFD and all correct dates from their own records, or delete the tradeline entirely if accurate verification can not be provided. I am attaching documentation showing the correct dates from Resurgents Account Summary and the inaccurate reporting that currently appears on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: SC

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an account that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these account be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the account that require correction. 
XXXX XX/XX/XXXXBalance : {$200000.00} Late XX/XX/XXXX Days

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 2025-11-27 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: GA

Complaint narrative:
I am submitting this follow-up complaint to formally dispute inaccurate information on my Experian, Equifax, Transunion credit report and request its deletion pursuant to my rights under federal law. These items in question are as follows : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX CO XXXX Balance {$1600.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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 submitting this follow-up complaint to formally dispute inaccurate information on my Experian, Equifax, Transunion credit report and request its deletion pursuant to my rights under federal law. These items in question are as follows : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX CO XXXX Balance {$1600.00} Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-27 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: LA

Complaint narrative:
Experian is reporting a materially inaccurate balance for my XXXX XXXX XXXX account ( # XXXX ). Experian lists the balance as {$4900.00}. I uploaded a screenshot from Experian showing this amount, and I uploaded my official XXXX XXXX XXXX XXXX statement showing the correct balance is {$5500.00}. This clearly proves the information Experian is reporting is inaccurate and unreliable. 

I submitted a new dispute on XX/XX/XXXX, and I provided both documents as evidence. Experian closed the dispute only XXXX hours later on XX/XX/XXXX and marked the account as valid without conducting a reasonable reinvestigation. This violates FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ), which require Experian to review all evidence provided. Experian ignored my documentation and continues to report materially inaccurate information, violating FCRA 607 ( b ) and 611 ( a ) ( 5 ) ( A ).

Equifax has already removed this same account due to inaccuracy. I am requesting supervisory escalation and enforcement action because Experian refuses to follow federal law and continues to report incorrect and unverifiable information despite clear proof.

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 2025-11-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You previously marked the XXXX Bank charge-off as verified, but did not provide details. 

Creditor : XXXX BANK Status : Paid Profit & Loss / Charge-Off Balance : {$0.00} Closed : XX/XX/year> Late history : XXXX, XXXX, XXXX This reporting is inaccurate and unverifiable under the Fair Credit Reporting Act, specifically XXXX ( A ), XXXX ( b ), and XXXX ( a ). 

Under FCRA XXXX ( a ) ( XXXX ) ( B ) ( XXXX ), I request the following : The method you used to verify the account The contact information of the individual who verified it Copies of all documentation supplied by XXXX Bank A description of all procedures used in the reinvestigation Date/time stamps of the verification communication If you are unable to supply these details, the account must be deleted for failure to verify under 15 USC XXXX XXXX a ).

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