vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-08-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: NE

Complaint narrative:
On XX/XX/year>, a collection account in the amount of {$3800.00} was reported by Sentry Credit , Inc. under my credit file. This debt does not belong to me. My identity was used without my consent to open or co-sign for an apartment lease. I did not authorize this account, nor did I receive any benefit from it. 
Later that same year, between XXXX XXXX XXXX, my wallet and identification were lost, exposing my information to misuse. I filed an official police report with the XXXX Police Department ( Report # XXXX, filed XX/XX/year> ) documenting the loss of my wallet, debit cards, and credit builder card. 
I am disputing this debt as the result of identity theft. I have submitted supporting evidence including my police report, proof of residence, and proof of employment to show I was not involved in this account. I am requesting that the {$3800.00} Sentry Credit collection account be removed from my credit file and that all collection activity cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, 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 explanation
Consumer complaint received 2025-08-19 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: PA

Complaint narrative:
I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my 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 2025-08-19 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: PA

Complaint narrative:
I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have been a honest loyal customer for many years with Bank of America. I have had business accounts and personal accounts with them through the years and have never had an issue or complaint against me. On XX/XX/year> I sold an antique XXXX and deposited the XXXX dollar cashiers check into my checking account. At the time of the deposit I asked if there was a way for me to ensure that this check was not fraudulent at the time of deposit. The teller at the XXXX, NJ XXXX stated " No the only thing you can do was to deposit the check into your account and allow us to process it first '' She also recommended that I do not release the vehicle nor title until we determine that authenticity of the check. Based on her recommendation that is precisely how I proceeded. On XX/XX/year> I received a phone call from a XXXX from the fraud department informing me that the check was found to be fraudulent. In this voice mail he stated that this has been happening a lot lately and that in the future to conduct these type of sales in a different manor and at that I would still remain a customer however if there is another attempt by me to deposit a fraudulent check it could result in removal from their company. Today XX/XX/year> I attempted to use my debit card which was declined when I called to find out why I could not access my money I was informed that they removing me from their system. They refused to release the money that was preexisting in the account and that eventually they will send me a check. This is unbelievable to me as I am very honest and would never defraud anyone let alone my bank. In fact I am interested in going after the person who wrote the check as I have a copy of his drivers license. I called the bank to discuss this and stated to them the information I have and my willingness to work with them to find and prosecute the criminal. They stated they are uninterested and that I am no longer a customer nor can I access my much needed money that had been in my account prior to the deposit. All this occurred because of the advise of their own teller. I understand the fraud potential, I understand the need for precaution when processing these kinds of transactions however I don't understand how they could do this to honest hard working customer who took their own advise.

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 2025-08-19 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-19 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Internal Revenue Code IRC 166 - Charge-off reporting requirements - If a financial institution charges off a debt, it must report it as a loss or write-off. Thereby, If an institution attempts to collect payments or enforce obligations, it is engaging in unjust enrichment. 15 U.S.C. 1681s-2 - Fair Credit Reporting Act ( FCRA ) - requires accuracy, completeness, and fairness in the reporting of financial obligations. Prohibits reporting debts that have been paid, assigned, or satisfied through other financial means ( written off under Internal Revenue Code ). The current and historical data records ( internal docs ) possessed by XXXX and communicated to me via the XXXXXXXX credit report reiterate these accounts ( Comenity Capital Bank, XXXX XXXX XXXX XXXX  ) have been written off ( charged-off ). XXXX XXXX failure to remove XXXX XXXX XXXX reporting from the profile is a gross violation of FCRA laws for fair, accurate and complete consumer reporting. In addition, XXXX XXXXs hereby an accessory to unjust enrichment and identity theft. UCC 3-305 Regulation U - I retain the right to all credit provided to me or on my behalf as the originator, grantor, and principal in any financial transaction where my name, signature, or other identifying information was used ( including data and information brokers, including credit reporting agencies and secondary affiliate agencies ). 


Additionally, XXXX XXXX XXXX does not have chain of assignment contract, failed to validate debt as a bulk debt buyer of Comenity and XXXX XXXX XXXX XXXX. accounts violating FCRA laws ( securitized and/or charge-offs ) ; does not have the right to collect in my state, nor my written consent to communicate financial transaction information with any credit reporting agency in accordance with 15 U.S.C. 1681b and 15 U.S.C. 1681 ( ( g ) ). XXXXXXXX XXXX re-aging of the account ( s ) is a deceptive practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-19 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: TN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-08-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am disputing an account reported by Equifax under the name XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account was originally charged-off and closed in XXXX. The correct Date of First Delinquency ( DOFD ) was in XXXX. However, Equifax is now showing a false Reported Date of XX/XX/XXXX, which makes this derogatory account appear recent. 

This is an illegal re-aging practice, which is prohibited by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c. Negative accounts may only remain for 7 years from the original delinquency date. By assigning a false new reported date, Equifax is misrepresenting the accounts age and artificially extending the damage period.

The account balance is {$0.00}, but it continues to be reported as Charge-Off/Derogatory Cancelled/Transferred or Sold. This inaccurate and unlawful reporting has caused a sudden and severe drop in my credit scores. 

I have requested verification and the method of verification from Equifax but have not received any documentation proving that this account is valid or that the reported date of XXXX is correct. 

Requested Resolution : I request that Equifax immediately : Correct the reporting to reflect the true DOFD of XXXX, or Permanently delete this account from my file due to illegal re-aging. 

Supporting documentation will be provided, including a screenshot of my XXXX report showing the discrepancy, my ID, and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Global Credit & Collection Corporation
State: IN

Complaint narrative:
Subject : Complaint Regarding Misclassification of Business Line of XXXX XXXX XXXX Dear [ CFPB/XXXX Representative ], I am submitting this complaint regarding the handling of my business line of credit with XXXX XXXX XXXX The account was in the amount of {$150000.00} for my company, XXXX XXXX XXXX XXXX XXXX. I repaid approximately {$110000.00} before experiencing financial hardship in 2023, which made it difficult to continue payments. 

Instead of addressing the hardship, XXXX XXXX improperly treated this as a personal loan and transferred it to a third-party collector. As a result, negative information has been reported on my personal credit file, which I believe is a violation of the Fair Credit Reporting Act ( FCRA ). In addition, assigning and collecting this obligation as if it were a consumer debt may also violate the Fair Debt Collection Practices Act ( FDCPA ). 

Attached you will find my detailed complaint letter outlining the facts and the relief I am seeking. 

I respectfully request that this matter be reviewed and that XXXX XXXX be required to : Correctly classify the account as a business line of credit. 

Remove all negative personal credit reporting related to this account. 

Cease improper collection activities through third parties. 

Work directly with me toward a fair and accurate resolution. 

Thank you for your time and attention to this matter.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-19 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: OH

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, XXXX, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX  Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX  XXXX Account Number : 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 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation