vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NJ

Complaint narrative:
I am submitting this complaint because TransUnion is reporting several accounts on my credit file that are inaccurate and causing serious harm to my credit standing. There are multiple charge-off and collection accounts that do not belong to me, and I have no knowledge, relationship, or authorization connected to these creditors. These include 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are completely unfamiliar to me, and despite my disputes, TransUnion continues to keep them on my report without providing any proper verification or original documentation as required by the FCRA. 

TransUnion is also reporting false late-payment information on accounts that do belong to me, but the payment history is incorrect. These include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * * *. I have never made any late payments on these accounts, yet TransUnion continues to show inaccurate derogatory marks, which is damaging and misleading. I have asked for corrections, but TransUnion has not provided any proof to justify the reported late payments. 

Additionally, an unauthorized hard inquiry from XXXX XXXX dated XX/XX/year> appears on my file. I never approved or permitted this inquiry, and it violates my rights under the FCRA. TransUnion has failed to remove it even after being notified. 

These inaccurate and unverifiable entries show that TransUnion is not performing a proper reinvestigation or obtaining real evidence from furnishers. This continued reporting of false information has negatively affected my creditworthiness, loan approvals, and overall financial opportunities.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In addition to the previously listed accounts and inaccuracies, I am formally disputing the following incorrect addresses and account entry that appear on my Experian, Equifax, and TransUnion credit reports. These items are not associated with me and must be XXXX to ensure the accuracy and integrity of my credit file. 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 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 XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-11-26 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
In my XX/XX/XXXX billing statement, my XXXX XXXX credit card balance increased from {$2900.00} to {$5500.00} even though I made no new purchases. The statement shows that {$2700.00} in deferred interest was added on XX/XX/XXXX after a promotional financing plan expired. 

The original promotional purchase was {$5300.00} made on XX/XX/XXXX under an XXXX deferred-interest plan. I was not clearly notified that the promotion was ending on XX/XX/XXXX, and I received no reminder, warning, or notice that the deferred interest would be charged if the balance was not paid by that date. 

I have consistently made payments, including an automatic payment of {$100.00} on XX/XX/XXXX, and I have never been late or missed a payment. When I saw the sudden increase, I immediately contacted customer service to request assistance, a goodwill adjustment, or any possible resolution. I explained that I could pay the pre-interest balance in full immediately. 

Customer service told me they could do absolutely nothing, refused to consider any adjustment, and instead explained why the bank was legally allowed to charge the deferred interest. They offered no options, no review, and no escalation path besides a basic supervisor who also refused to assist. 

I believe the addition of nearly {$2700.00} in interest without clear notice is unfair and disproportionate, especially given my clean payment record. I also believe the company failed to provide adequate options for resolution when I attempted to address the issue immediately after discovering it. 

I am requesting a review of whether this interest was applied fairly and whether the company should remove or reduce the deferred interest, or otherwise provide a reasonable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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:
This is not my account, and it appears on my report in error.

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 2025-11-26 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:
This is not my account, and it appears on my report in error.

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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
Debt reported has already been solved and completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
LVNV Funding LLC is attempting to collect an alleged debt originally associated with XXXX XXXX XXXX XXXX in the amount of {$3000.00}. However, the information LVNV is reporting is incomplete, inaccurate, and inconsistent across the credit bureaus, and I never received proper written notice or validation of the debt as required by the FDCPA. 

On my all three credit reporting agencies, TransUnion, Equifax and Experian, XXXX XXXX is not reporting the original account at all. However, XXXX is reporting a collection account for this same debtwithout any supporting original creditor information. On certain bureaus, XXXX XXXX is incorrectly listed as the original lender, which is factually wrong because XXXX is a debt buyer. 

XXXX is reporting only the date that the account was placed for collections, without providing : The original account opening date The Date of First Delinquency ( DOFD ) The charge-off date Any payment or account history A breakdown of the {$3000.00} balance The chain of assignment from XXXX XXXX XXXX XXXX Proof XXXX XXXX legally XXXX or controls the debt I did not receive the required written validation notice or notice of my right to dispute within XXXX days of XXXX first collection attempt. When I attempted to request information, XXXX failed to provide any of the documentation listed above. 

Because the original creditor is not reporting this tradeline at all, and because XXXX is reporting inconsistent and incomplete information while failing to validate, I dispute the accuracy and validity of this collection account. 

I am requesting CFPB assistance to require XXXX Funding to validate the debt or delete the account entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
I Recently Reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I Recently Reviewed a copy of my credit report and noticed i had fraudulent accounts on my report. Please remove this account from my report, they are hurting my ability to obtain credit.

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 2025-11-26 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: IL

Complaint narrative:
I am submitting this follow-up complaint regarding multiple inaccuracies on my credit report, which remain unresolved despite my prior disputes with the three major credit bureaus. The following items continue to be reported inaccurately and in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX XXXX XXXX ( Accounts XXXXXXXX XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX ), both showing a balance of {$0.00} and inaccurately reported as charge-offs, which violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ], and FCRA 605B / 1681c-2 ; XXXX ( Account XXXX XXXX, showing a balance of {$0.00} and charged-off, which violates FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ] and FCRA 623 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] ; XXXX XXXX  ( Account XXXXXXXX XXXX XXXX  ), showing a balance of {$2400.00} with no 1099-C form provided, violating FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] and FCRA 611 ( a ) ( 5 ) ( A ) ; and XXXX XXXX ( Accounts XXXX, XXXX, XXXX XXXX ), which remain unverified and were reported without the required FDCPA 809 [ 15 U.S.C. 1692g ] debt validation notices, violating FDCPA 807 [ 15 U.S.C. 1692e ] and FCRA 605B / 1681c-2.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: CA

Complaint narrative:
I am submitting this complaint to report Transunions continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/2025, and XX/XX/2025. 
The accounts in XXXX XXXX XXXX...., XXXX XXXX XXXX...., XXXX XXXX XXXX.... 
continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Transunion has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Transunion is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Transunion has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
My Cash app account was closed while I had {$80.00} in there still. Ive been trying to withdraw the money out of the account, but it wont let me add a new debit card or account to transfer the money into. I have been trying to talk with support and Ive tried calling them on their support line for the past month or so. Ive gotten absolutely no help. They keep telling me to add a previous card that was on there already which I can not do because that account and card are closed now. Ive been trying to add a new card so I can transfer the money out and into XXXX of my other accounts, but they will not let me add a new card. And they simply tell me that theres nothing else they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CCS Financial Services, Inc.
State: NV

Complaint narrative:
Not to sure on dates, medical bill from XXXX XXXX XXXX hostipal for medical, now after XXXX or so years I receive a new collection account. Didnt have any. No mail, no calls, nothing not even an original bill from the hostipal. Credit collection services is the company that bought the debt that I didnt know existed. I feel like they wait until after XX/XX/year> to buy and add it to my report to stay away from your guys ruling on medical debt not being on credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. 
These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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