vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
I am formally requesting that you block and remove the unauthorized accounts currently appearing on my credit file. I did not create or authorize these accounts and do not recognize their origin. As outlined in USC 1681g, I ask that these accounts be removed within 15 days. Enclosed are documents for your thorough review. Please also be advised that the information reported across credit bureaus is inconsistent and incorrect.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX, I discovered that my XXXX XXXX credit card, issued by Comenity Bank, had been closed without my knowledge. This account was my oldest line of credit, and its closure negatively affected my credit history and score. I received no advance warning, and no written notice was sent after the closure. I found out as I attempted to use my account at a XXXX XXXX XXXX location for a purchase. 

When I contacted Comenitys customer service, I was told that I should have received a notice three months in advance of closure due to inactivity. However, a subsequent written response through their secure portal stated that a lengthy period of inactivity is not one of those times where notice is provided, contradicting the information I was given by phone.

I confirmed that the last communication I received from Comenity about this account was in XXXX more than five years ago. There were no warnings or mailed/email notifications regarding closure or inactivity.

Given this conflicting information, lack of proper notice, and the harm caused to my credit profile, I believe Comenity has failed to uphold fair consumer notification practices. Furthermore, based on other reported experiences and the fact that they can and do reopen accounts after closure, I believe this reflects a broader systemic issue that may be impacting other customers.

I am requesting that Comenity Bank be held accountable for the lack of proper notice, that my account be reinstated ( or a suitable remedy provided ), and that any negative or inaccurate credit reporting be corrected. I attempted to resolve this directly with the company, but their response was dismissive and offered no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX has me on collection for something that does not belong to me. XXXX erased it from my credit report. XXXX and XXXX  havent yet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
I am filing this complaint because Experian and TransUnion are still reporting inaccurate and inconsistent information related to a closed and paid credit card account issued by XXXX XXXX XXXX XXXX XXXX XXXX

This account includes two 30-day late payments from XXXX  and XXXX XXXX. However, the account was fully paid and closed at my request in XXXX XXXX. The same account has already been completely deleted by XXXX, which suggests that the information could not be verified or did not meet legal accuracy standards under the Fair Credit Reporting Act ( FCRA ).

Despite this, Experian still labels the account as " potentially negative, '' and TransUnion maintains the late payment historyeven while both bureaus agree the account is paid and closed. This contradiction is misleading, unfair, and may indicate a failure to follow reasonable verification procedures as required under FCRA 1681e ( b ), 1681i ( a ), and 1681s-2 ( b ).

I have disputed the account directly with the bureaus. No correction has been made. I have also submitted a formal complaint to the Federal Trade Commission ( FTC Report No. XXXX  ) and now request regulatory intervention by the CFPB to review the reinvestigation processes and reporting practices of these agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$6400.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
XXXX a federal school loan servicer has several accounts in my name for school loan. They never notified me of these accounts. They sent letters with my name to the wrong address, and they reported to all credit bureaus late payment of 90 days. I requested the credit bureaus to investigate as these letters were never sent to my correct address and they did not fix the 90 days late payment on my credit reports. This is totally unfair. I was deprived from receiving information about my loans. I did not know that they were handling these accounts, and they were sending the letters to a 2-year-old address. However, they did have my correct email and XXXX never emailed me. Only letters to incorrect address. I have other student loans with another company, and I have been paying them always on time. I requested XXXX to remove the 90 days late payment from all the accounts and they refused to do it. This has caused a drop of XXXX points from my credit score. I was in the middle of getting a loan for a house and after the XXXX points drop, I had to terminate the process. This should be illegal that they post in my credit report late payment when in fact they did not took the correct steps to notify me of a pending account. I request that you please investigate this matter and help me to resolve this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
XXXX a federal school loan servicer has several accounts in my name for school loan. They never notified me of these accounts. They sent letters with my name to the wrong address, and they reported to all credit bureaus late payment of 90 days. I requested the credit bureaus to investigate as these letters were never sent to my correct address and they did not fix the 90 days late payment on my credit reports. This is totally unfair. I was deprived from receiving information about my loans. I did not know that they were handling these accounts, and they were sending the letters to a 2-year-old address. However, they did have my correct email and XXXX never emailed me. Only letters to incorrect address. I have other student loans with another company, and I have been paying them always on time. I requested XXXX to remove the 90 days late payment from all the accounts and they refused to do it. This has caused a drop of XXXX points from my credit score. I was in the middle of getting a loan for a house and after the XXXX points drop, I had to terminate the process. This should be illegal that they post in my credit report late payment when in fact they did not took the correct steps to notify me of a pending account. I request that you please investigate this matter and help me 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 non-monetary relief
Consumer complaint received 2025-05-28 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:
XXXX a federal school loan servicer has several accounts in my name for school loan. They never notified me of these accounts. They sent letters with my name to the wrong address, and they reported to all credit bureaus late payment of 90 days. I requested the credit bureaus to investigate as these letters were never sent to my correct address and they did not fix the 90 days late payment on my credit reports. This is totally unfair. I was deprived from receiving information about my loans. I did not know that they were handling these accounts, and they were sending the letters to a 2-year-old address. However, they did have my correct email and XXXX never emailed me. Only letters to incorrect address. I have other student loans with another company, and I have been paying them always on time. I requested XXXX to remove the 90 days late payment from all the accounts and they refused to do it. This has caused a drop of XXXX points from my credit score. I was in the middle of getting a loan for a house and after the XXXX points drop, I had to terminate the process. This should be illegal that they post in my credit report late payment when in fact they did not took the correct steps to notify me of a pending account. I request that you please investigate this matter and help me 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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: WA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-05-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
The XXXX IRS Tax filing deadline is XX/XX/XXXX. Prior to this date, I called Chase Bank regarding XXXX INT statement and was told we only had XXXX XXXX for XXXX. The amount of was {$500.00}. In XXXX, XXXX, late XX/XX/XXXX searched online for the XXXX statement, but it was not there. I logged onto the IRS account and Chase had not submitted the XXXX INT statement to the IRS. I, then, went to the local branch ( early XXXX ) where we opened the account and informed the branch XXXX that we had received interest on CD accounts but had not received the XXXX INT statement. I informed him the the tax filing deadline was nearing and that we should have a XXXX INT statement for interest earned on CD accounts. At this time, the branch XXXX sent an email to, I assume, the Chase XXXX department or Chase Customer Service Department regarding our missing XXXX statement. In early XX/XX/XXXX, after the tax filing deadline, we received the XXXX INT stating we earned {$15000.00}! Chase never reported this to the IRS, but this interest income earned in XXXX has to be reported to the IRS. Please see our IRS statement verifying that Chase Bank only reported the XXXX but never reported the XXXX to the IRS. 
Chase Bank has created an IRS tax dilemma for us.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: LA

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: PA

Complaint narrative:
I

n light of a recent data breach, fraudulent accounts have been added to my credit report. Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX PA XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$930.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$510.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$640.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$550.00} Inquiries XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-05-28 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 filing this complaint due to an inaccurate and potentially misleading derogatory mark reported on my credit file by XXXX XXXX XXXX. All three credit bureaus ( Equifax, Experian, and TransUnion ) are reporting a 30-day late payment for XXXX XXXX, which is negatively affecting my credit score and access to fair credit.

I have disputed this information with the credit bureaus and requested a proper reinvestigation and supporting documentation, as required under the Fair Credit Reporting Act ( FCRA ). To date, I have received no proof that a manual, substantive verification has been conducted, nor have I been informed of the method of verification used, as required by 15 U.S.C. 1681i ( 7 ).

Even if technically accurate, the reported delinquency may be misleading if it lacks full context, as established in XXXX XXXX XXXX XXXX XXXX. Furthermore, any reliance on automated systems such as XXXX may constitute an inadequate investigation under XXXX XXXX  TransUnion. I am particularly concerned that the verification process may not have involved a XXXX XXXXeview, which the CFPB has previously addressed in CFPB v. Experian ( XXXX  ).

I have already submitted a complaint to the FTC regarding this issue ( Report No. XXXX  ) and request further regulatory investigation into potential systemic violations of the FCRA.

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