vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Transunion is reporting multiple bankruptcy public records under my name that can not be legally verified and are therefore inaccurate under FCRA 602, 607, and 611. I requested procedural verification and supporting documentation from the bureaus, including the full source documents, matching personal identifiers, and method of verification. They were unable to provide ANY actual documentation. They only responded with generic statements and refused to show how the information was verified. 

Bankruptcy courts do NOT furnish data and do NOT verify information to any credit bureau or their third-party vendors. The information the bureaus are reporting is supplied by XXXX, which is not the court and is not an original records source. This means the verification claim is materially false and violates FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 2 ). There is no chain of custody, no signature, no matching SSN, no matching date of birth, and no primary documentation confirming I am the individual associated with any of these public records.

I also submitted an FTC Identity Theft Report regarding inaccurate, unverifiable, and mixed-file information. Under 15 USC 1681c-2 ( FCRA 605B ), the bureaus must block and delete any information that can not be verified as accurate, and they have failed to do so.

The bureaus are reporting data they can not authenticate and then refusing to provide required verification. This is a failure of reasonable procedures to assure maximum accuracy under FCRA 607 ( b ) and an improper reinvestigation under 611 ( a ). These public records are inaccurate, unverified, and must 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 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kikoff Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting late payments inconsistently across the credit bureaus : XXXX  reports : Last payment : XX/XX/year> XXXX days late XXXX missed payments XXXX  XXXX : Last payment : XX/XX/year> XXXX days late XXXX missed payments The same account can not legally have different : Last payment dates Numbers of late payments Delinquency timelines This violates : FCRA 607 ( b ) Maximum possible accuracy FCRA 623 ( a ) ( 1 ) ( A ) Inaccurate furnishing FCRA 611 Duty to investigate accurate disputes Because the bureaus are reporting conflicting and unverifiable data, the late payments ( or entire account ) must be corrected or deleted. 

I am requesting : XXXX. Full investigation into XXXX inconsistent reporting. 
XXXX. Deletion of the inaccurate late payment information, or deletion of the entire account if accurate verification can not be provided. 



XXXX. Requested Action I am asking the CFPB to : Investigate XXXX  inconsistent and inaccurate delinquency reporting Require all inaccurate and unverifiable information to be deleted from all credit bureaus Thank you for reviewing my complaint and assisting in resolving these reporting violations.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was in the XXXX XXXX on vacation and both of my accounts where penetrated while I was on a family vacation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I previously sent written correspondence to both the credit collection agency and XXXX regarding this reporting error. Neither party responded or made any attempt to resolve the issue. 
Caine & Weiner never attempted to collect a debt from me, nor did they need to, as this balance was paid directly to XXXX. Despite this, Caine & Weiner are reporting an account on my credit file and listing it as collection paid. 
This is inaccurate and misleading, as no collection activity occurred, and no debt was owed to Caine & Weiner. The account should not appear on my credit report in any form because the debt was satisfied with XXXX placed for collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: KY

Complaint narrative:
I am filing a complaint against Bread Financial regarding an inaccurately reported late payment. 

I contacted Bread Financial before my payment was due and spoke with a representative who gave me incorrect information regarding my payment arrangement/due date. Based on the information I was provided, I believed I was in good standing and that no late payment would occur. 

Because of this incorrect information, a late payment was reported to the credit bureaus. This negative mark was directly caused by the misinformation provided by Bread Financials representative. 

I requested that Bread Financial review the call recording, as all calls are recorded, and correct the late payment since it was caused by their employees mistake. Bread Financial refused to provide the call transcript, refused to acknowledge their error, and stated they can not remove the late payment. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers must report accurate information and correct any information they caused to be inaccurate. This late payment was the result of misinformation provided by Bread Financial, and therefore is not accurate. 

I am requesting that Bread Financial be required to : Review the recorded call Correct or delete the inaccurately reported late payment Provide written confirmation of the results of their investigation I relied on incorrect guidance from their representative, and this error has negatively impacted my credit. I am requesting CFPB assistance to resolve this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-11-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am writing to express my strong dissatisfaction regarding the recent issue with my account, specifically concerning settled payments that have not been accurately reflected. FCRA provides clear guidelines regarding the reporting and handling of consumer credit information, and I expect your immediate compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. My XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported inconsistently : Experian shows a balance of {$230000.00} with a last activity date of XX/XX/XXXX and a 30-day late payment reported on XX/XX/XXXX ; Equifax shows the same balance with a last activity date of XX/XX/XXXX with no late payment flagged ; and TransUnion reports the balance of {$230000.00} with a last activity date of XX/XX/XXXX and a XXXX-day late payment. These discrepancies are inaccurate because I have made all payments on time. Additionally, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Experian as having a late 30-day payment on XX/XX/XXXX, while it is not reported at all on Equifax and TransUnion ; XXXX account was paid in full and closed with no delinquencies. Finally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Equifax as having a XXXX-day late payment in XX/XX/XXXX with a balance of {$6700.00} and last activity of XX/XX/XXXX, but this account is not reported on Experian or TransUnion, and all payments were made on time. These errors have caused me undue stress and may negatively affect my ability to secure credit, and I am seeking immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: FL

Complaint narrative:
I am filing this complaint regarding multiple inaccuracies on my credit reports with Experian, Equifax, and TransUnion. My XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is being reported inconsistently : Experian shows a balance of {$230000.00} with a last activity date of XX/XX/XXXX and a 30-day late payment reported on XX/XX/XXXX ; Equifax shows the same balance with a last activity date of XX/XX/XXXX with no late payment flagged ; and TransUnion reports the balance of {$230000.00} with a last activity date of XX/XX/XXXX and a XXXX-day late payment. These discrepancies are inaccurate because I have made all payments on time. Additionally, XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Experian as having a late 30-day payment on XX/XX/XXXX, while it is not reported at all on Equifax and TransUnion ; XXXX account was paid in full and closed with no delinquencies. Finally, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reported by Equifax as having a XXXX-day late payment in XX/XX/XXXX with a balance of {$6700.00} and last activity of XX/XX/XXXX, but this account is not reported on Experian or TransUnion, and all payments were made on time. These errors have caused me undue stress and may negatively affect my ability to secure credit, and I am seeking immediate correction.

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 2025-11-24 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: NJ

Complaint narrative:
Please see supporting documents pertaining to Equifax data breach

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I am filing a complaint because XXXX XXXX XXXXXXXX XXXX XXXX XXXX * * is reporting * * late payments * * on account XXXX XXXX XXXX * * that are XXXX XXXX inaccurate and not properly verified * *. I have * * disputed these late payments XXXX XXXX directly with both the credit bureaus and the furnisher, but the inaccurate information continues to appear on my credit report * * without proper documentation or validation * *. 

Under * * 15 U.S.C. 1681s-2 ( a ) * *, furnishers are legally required to * * report accurate information * *. XXXX XXXX XXXX XXXX has failed to meet this obligation by continuing to report late payments that they can not validate. 

Additionally, under * * 15 U.S.C. 1681i * *, the credit bureaus are required to perform a * * reasonable investigation within 30 days * * of my dispute. Despite my disputes, the credit bureaus have failed to correct or remove the inaccurate information, even though the furnisher has not provided proper verification. 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX and the credit bureaus to : XXXX. * * Provide full documentation * * supporting the reported late payments, OR XXXX. * * Remove all unverified and inaccurate late payment entries * * from my credit report 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 explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
I am filing a complaint because XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is reporting * * late payments * * on account XXXX XXXX XXXX XXXX XXXX that are * * inaccurate and not properly verified * *. I have * * disputed these late payments * * directly with both the credit bureaus and the furnisher, but the inaccurate information continues to appear on my credit report * * without proper documentation or validation * *. 

Under * * 15 U.S.C. 1681s-2 ( a ) * *, furnishers are legally required to * * report accurate information XXXX XXXX XXXXXXXX XXXX XXXX XXXX has failed to meet this obligation by continuing to report late payments that they can not validate. 

Additionally, under * * 15 U.S.C. 1681i * *, the credit bureaus are required to perform a * * reasonable investigation within 30 days * * of my dispute. Despite my disputes, the credit bureaus have failed to correct or remove the inaccurate information, even though the furnisher has not provided proper verification. 

I am requesting that the CFPB require XXXX XXXX XXXX XXXX and the credit bureaus to : XXXX. * * Provide full documentation * * supporting the reported late payments, OR XXXX. * * Remove all unverified and inaccurate late payment entries * * from my credit report 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 2025-11-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
Midland credit management ( mcm ) is calling my parents and emailing me about a debt they are trying to collect for XXXX XXXX XXXX XXXXXXXX. I have NEVER had an account with XXXXXXXX XXXX XXXX and this debt is not mine. The total they are saying is {$790.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
This account is a personal checking acct ; I received a wire transfer from a business associate on XX/XX/year> around XXXX, I went to the bank the next day XXXX  around XXXX : pm and didn't leave until XXXX after they closed. 
The XXXX had me there waiting all this time telling me she is protecting me, by interrogating me asking me all kinds of questions which I think is inappropriate and none of the banks business, then she had the nerve to tell me if I had answered her questions the shut down would not have happened. 
The amount wired {$25000.00}. on the XXXX and another {$25000.00}. on the XXXX XXXX  morning before I went to the bank. 
I initially wanted a 'XXXX XXXX XXXX ' for {$35000.00}. and they said I can't get money on the same day it's wired, so I changed and ask for {$10000.00}. XXXXXXXX XXXX XXXX XXXX and the same in cash, this would be out of the money that came in on XXXX XXXX. 
They refused to give me my money and told me the acct ; is under investigation and on hold with no other explanations, at this point I was very upset, my ride had left after waiting so long and I had no cash on me to get home. 
After telling the XXXX this she went on the phone at XXXX and came back XXXX : XXXX saying everything is okay now I can get my money, when I proceed with the teller as instructed by the XXXX the teller said there was only XXXX XXXXXXXX showing in the acct ;. 
I called the XXXX over and ask what is going on, she then got XXXX the phone again and came back saying the money released is the money that was previously there. 
I'm convinced this XXXX is playing games with me, so I took out $ XXXX to get home. 
Up on checking my acct ; it is now overdrawn for the first time, because they took out money for the wire transfers, if you can believe this kind of misconduct from a bank, I have never encountered such XXXX in my life. 
The bank is XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
Experian completed a reinvestigation on XX/XX/year>, but the results show that Experian did not actually update or correct the XXXX tradeline at all. XXXX  verification letter explicitly states Responsible for repayment : TRUE. This is the furnishers certified confirmation that I still owe the remaining balance and that the debt has not been forgiven, settled, written off, or reduced to {$0.00}. The term TRUE means that consumer responsibility remains active. This directly contradicts Experians reporting of {$71.00} written off, {$71.00} past due, and a charged-off status implying removal of consumer liability. Experians version can not be correct because XXXX verification confirms the opposite. 

Even after receiving my XXXX verification letter dated XX/XX/year>, which confirms a remaining balance of {$71.00} and that I am still responsible for repayment, Experian continued reporting charged off, {$71.00} written off, {$71.00} past due, and the same delinquency codes that XXXX did not provide. Experian claimed that the account was updated, but every field remained unchanged from the pre-dispute version. This demonstrates that Experian ignored the furnishers verified information, relied on outdated data from XX/XX/year>, and conducted an unreasonable reinvestigation in violation of FCRA 611 ( a ). Experians reporting is inconsistent with the furnishers own confirmation and therefore is inaccurate and legally unverifiable under FCRA 611 ( a ) ( 5 ) ( A ). I am submitting Experians reinvestigation results to show that no correction was made despite receiving new, contradictory evidence from 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 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: CT

Complaint narrative:
The company stated they would provide updates and responses through the CFPB portal. Instead, they contacted me directly outside the portal. This is inappropriate and prevents transparency. Additionally, the company is fully aware that I do not have access to my Discover account and have not logged into it for months. Since I can not access the account, I am unable to view or verify any information they claim. They continue to bypass the CFPB portal despite being informed, making it difficult to resolve this dispute properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: FORD MOTOR CREDIT CO.
State: NY

Complaint narrative:
I previously submitted a written dispute to FORD MOTOR CREDIT COMPANY dated XX/XX/year>, regarding an account that is being inaccurately reported on my credit file. Despite providing all the necessary identifying information and requesting verification under the Fair Credit Reporting Act ( FCRA ), FORD MOTOR CREDIT COMPANYhas failed to respond, verify, or correct the information within the required thirty ( 30 ) days. Under 15 U.S.C. 1681s-2 ( b ), the furnisher of information is required to conduct a reasonable investigation once a dispute has been received. Since FORD MOTOR CREDIT COMPANY did not provide any documentation to substantiate the accuracy of the reported account, they are now in noncompliance with federal law and continue to furnish unverifiable and misleading data to the credit bureaus. This inaction has caused harm to my consumer credit profile and has obstructed my efforts to maintain accurate and fair reporting. I am therefore seeking the CFPBs intervention to ensure FORD MOTOR CREDIT COMPANYs immediate compliance with FCRA requirements.FORD MOTOR CREDIT COMP XXXXXXXX

Company response to consumer: Closed with explanation