vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I am filing a formal complaint regarding inaccurate and inconsistent information being reported by Credit Bureaus : TransUnion / Experian / Equifax on my credit report. I have already disputed these inaccuracies directly with the credit bureaus, but they have failed to correct or remove the information in question. 

The disputed accounts include : XXXX. XXXX XXXX This account was sold to XXXX XXXX XXXX but is still being reported as charged-off by XXXX. Additionally, the reported high balances and last payment dates vary significantly between credit bureaus : Inconsistent high credit amount : TransUnion/Experian show {$14000.00}, but Equifax reports {$11000.00}, Different last reported dates : Varying by over 3 years ( XX/XX/XXXX vs. XX/XX/XXXX ), Sold to XXXX XXXX but still showing as active/charged-off by original creditor on some reports, XXXX balance still listed as derogatory a violation if its been sold and paid, Different charge-off dates and comments across bureaus signal outdated or inaccurate info. 


XXXX. XXXX XXXX XXXX This collection account appears to be a duplicate of the XXXX  account and results in double-reporting of the same debt : This appears to be the same debt as the XXXX  account already charged-off and sold, now reported by XXXX double reporting of a single debt. Comment says customer disagrees this means a prior dispute already was filed. The dispute hasnt been resolved fairly. 

XXXX. XXXX XXXX XXXX The account is marked as paid/closed, but there are inconsistent balances and reporting dates. Payment history inaccurately reflects late payment : All three show paid/closed, but was paid off early disputing accuracy of balance history, Past due history not accurately reflected. 

XXXX. XXXX XXXX XXXX XXXX Experian reports a 30-day late payment while TransUnion and Equifax report the account as current. All accounts list {$0.00} balance and are closed, requesting removal as obsolete or settled. 

I have attached proof of identity and credit report excerpts. These errors are negatively affecting my credit profile and causing financial harm. 

I request that the CFPB review these accounts and compel the credit bureaus and/or furnishers to investigate properly, provide evidence of the alleged debts, and remove any unverifiable or incorrect entries per the Fair Credit Reporting Act ( 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
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my credit health and to my life.

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 2025-05-17 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: AL

Complaint narrative:
Upon reviewing my Consumer Reports, I discovered some instances late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXXXXXX XXXX XXXXXXXX XX/XX/year>, XX/XX/year>, or XX/XX/year>. I request a thorough investigation int these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay. 15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge

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 2025-05-17 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: MS

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified.

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 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I feel back with paying certain bills so it became a issue in then I started to owe so Im trying to get back n the clear with my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
I asked the company to update my personal information because the debt was incorrect. I also filed for fraud/identity theft.

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 2025-05-17 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: TX

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 
XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
RE ; Experian, TransUnion, Equifax I have contacted & explained to the above companies Numerous times that my XXXX XXXX  was lost/stolen with identifying information. I have several inquiries that keep popping up via credit report. 

These are attempts to open accounts or establish credit illegally. I have provided a POLICE REPORT disputing this. I now have an FTC REPORT & also this report from CFPB. 

There is also an account with XXXX XXXX XXXX That I want Completely Removed. It is INACCURATE. 

I have been a victim of identity theft far too long to keep going through this. I have repeatedly disputed these items and Experian is sending back as verified.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
RE ; Experian, TransUnion, Equifax I have contacted & explained to the above companies Numerous times that my XXXX XXXX  was lost/stolen with identifying information. I have several inquiries that keep popping up via credit report. 

These are attempts to open accounts or establish credit illegally. I have provided a POLICE REPORT disputing this. I now have an FTC REPORT & also this report from CFPB. 

There is also an account with XXXX XXXX XXXX That I want Completely Removed. It is INACCURATE. 

I have been a victim of identity theft far too long to keep going through this. I have repeatedly disputed these items and Experian is sending back as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 was affected by the data breach and this a huge is violation of my consumer right per 15 usc 1681g FCRA law. Due to the breach there are fraudulent and unauthorized accounts on my report that is a defamation of character and neglect on behalf of the credit bureaus please remove the following accounts immediately XXXX XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX  XXXX : Account number : 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 2025-05-17 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 was affected by the data breach and this a huge is violation of my consumer right per 15 usc 1681g FCRA law. Due to the breach there are fraudulent and unauthorized accounts on my report that is a defamation of character and neglect on behalf of the credit bureaus please remove the following accounts immediately XXXX XXXX ( Original XXXX XXXXXXXX XXXX ) : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX Account number : XXXX XXXX  : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX  XXXX : Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Law Office of Michael J. Scott, PC
State: TX

Complaint narrative:
I received a debt collection letter from XXXX XXXX XXXX on XXXX XXXX, 2025, regarding a XXXX XXXX account. I sent a written dispute and verification request asking them to provide documentation showing their legal authority to collect the debt. They did not provide that documentation. 

Despite this, I later received a letter from a law firm ( XXXX XXXX XXXX ) claiming that a lawsuit had been filed against me on XXXX2025. I checked my name and the case number they listed ( XXXX ) in the XXXX XXXX Justice Court online system, and no such case exists. This makes me believe I am being misled or intimidated into payment with false or misleading claims of legal action. 

I believe XXXX XXXX XXXX is attempting to collect a debt without proper validation and may be violating the Fair Debt Collection Practices Act ( FDCPA ), including sections regarding verification, harassment, and misrepresentation. I am requesting the CFPB investigate this conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/year> I open my consumer credit report and noticed that a chargeoff/collection listed as owed to XXXX XXXX XXXX XXXX XXXX XXXX reported with a large balance and a term that will report each month until XXXX for an alleged debt of {$13000.00}. An alleged debt is purported as owed to XXXX XXXX XXXX XXXX. This is false, and a misrepresentation of debt is reported by Experian, XXXX  and XXXX  without any permissible purpose, without a court order, without my written consent, without any assignment or debt validation pursuant to FCRA regulations and Without compliance requirements of FDCPA regulations.

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 2025-05-17 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: OH

Complaint narrative:
XXXXXXXX XXXX continues to report old negative payment history on my student loan that was forgiven in XX/XX/XXXX effective XX/XX/XXXX. I disputed the information several times and they keep updating the same information. It is my understanding that XXXX XXXX  is not suppose to report payment histories on student loans that have been forgiven through the student loan forgiveness program under the BidenXXXX  administration . XXXXXXXX XXXX has continued to report the same old negative payment history from the payments I missed on my at that time, XXXX XXXX XXXX student loan during the pandemic when the payments were supposed to be on a pause in the first place.

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 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SANTANDER HOLDINGS USA, INC.
State: MS

Complaint narrative:
Recently checking my credit report I noticed that I've been a victim of identity theft and found numerous credit inquiries have no knowledge of here are the inquiries that I've found SANTANDER XXXX XXXX, 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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:
My Friend and former room mate used my info to open accounts and loans without my permission. I did not open these accounts, the accounts I am disputing are not mine. Please remove these accounts from my credit right away, as they are not my accounts, thank you.

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 2025-05-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am a certified and validated victim of the Equifax, XXXX  data breach. I suffered identity loss damages as a result of Equifaxs negligence, and incurred expenses in the amount of {$600.00}. When the class action lawsuit against Equifax opened up for claims, I submitted a valid claim with all documentation during the initial claims period. I submitted further documentation during the extended claims .. My initial claim was only paid out in the amount of {$20.00}, and when I questioned where the remainder of my valid claim was, they provided no information and claimed that the payout was valid given the terms of the class action settlement. They do not respond to any further contact attempts. Ive just received an email stating that the additional funds left over in the class action settlement were sent out via a virtual debit card. In the first place, I made it very clear that I wanted my payment in cash, not via virtual prepaid debit card. In the second, if there were valid, funds left over after the pro rata reduction in my initial claim, why werent those funds delivered in my initial claim? Finally, the prepaid debit card they provided does not work. The link they provide to activate it is to the scariest looking website in existence, which once more requires my personal information, instead of any kind of valid claim pin or other information associated with my claim, and the provided card does not work at any retailer online or otherwise that I have tried it at. The funds on it effectively do not exist, and the agreement that they force you to agree to is that they will start charging fees against the amount on the card if it is not spent with a certain period of time. They provide no customer contact information, and if you do try and look up what number to call and call it, you just get an automated system with no human interaction, and none of the information that you would need to resolve the issue. Once more, Equifax, as a company has failed to live up to the provisions of the Class action settlement, and I am requesting all equitable relief under the terms of that settlement up to the settlement limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Next Level Finance Partners  LLC
State: TX

Complaint narrative:
To Whom It May Concern : Upon reviewing my credit report, I have identified the presence of certain inaccuracies that require immediate attention. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The period of time was perhaps between XXXX XXXXXXXX so please verify this account. If you can not verify within 30 days you have to delete this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TN

Complaint narrative:
I am requesting the immediate deletion of outdated and inaccurate personal information from my Experian credit report. 

The following addresses are incorrect and should be permanently removed : XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Additionally, the following phone numbers are inaccurate and not mine, and should also be deleted : ( XXXX ) XXXX ( XXXX ) XXXX The only addresses that should remain on file are : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TN 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 2025-05-17 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: TN

Complaint narrative:
I am requesting the immediate deletion of outdated and inaccurate personal information from my Experian credit report. 

The following addresses are incorrect and should be permanently removed : XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Additionally, the following phone numbers are inaccurate and not mine, and should also be deleted : ( XXXX ) XXXX ( XXXX ) XXXX The only addresses that should remain on file are : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX, XXXX, TN XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
I am disputing a tradeline reported by Kimball, Tirey & St. John related to a a disputed debt at XXXX XXXX XXXX. The account contains multiple FCRA violations, XXXX XXXX, reinsertion without notice, inflated non-judgment balances, and misreporting a judgment as a collection, I HAVE ATTACHED A DETAILED PDF RESPONSE outlining all facts, violations, and supporting evidence, including fraud affidavit and the original creditor 's XXXX statement requesting deletion. Please REFER TO MY ATTACHMENT FOR FULL EXPLANATION

Company response to consumer: Closed with explanation