vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by XXXX, TransUnion, and XXXX regarding the following account : XXXX XXXX  with account number XXXX * * * * * * * * * *. Specifically, TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for this account. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of this account be updated to reflect " Paid on time '' or " Current, '' and that the worst delinquency status be corrected accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entry was reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting this late payment. Additionally, I request a thorough investigation into this disputed late payment as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigations completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

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 2025-06-05 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX U.S. CXXXX XXXXe ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX U.S. CXXXX XXXXi ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and 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 non-monetary relief
Consumer complaint received 2025-06-05 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax XXXX to Conduct Proper Investigations and Verifications Complaint I am filing this complaint because my information was exposed in the data breach. 

Equifax has failed to properly investigate and verify accounts that I have disputed as inaccurate on my credit report. Despite providing detailed information and evidence to support my disputes, Equifax continues to report inaccurate information without demonstrating that the information has been thoroughly reviewed or verified as required under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Equifax failure to comply with the FCRA is causing me significant harm, as these inaccuracies are negatively impacting my credit profile and financial well-being. 

Specifically Equifax has failed to notify me of the methods used to verify the disputed accounts. 

Equifax has not provided any proof from the furnishers of the disputed information to confirm its accuracy. My disputes have been dismissed without proper reinvestigation, as required by law. 

I request that the Consumer Financial Protection Bureau intervene to ensure that Equifax adheres to its legal obligations under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
My name is XXXX XXXX. my date of birth is XX/XX/year>. my social security number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, Also, the following inquiries were unauthorized 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, and XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the 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 non-monetary relief
Consumer complaint received 2025-06-05 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: NJ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: NV

Complaint narrative:
I dont see any physical signatures etc, creditors name and Full address, name of debtor of record, full account number, amount of debt, due date of debt, Original charge of for delinquency date, explanation of how debt was calculated, evidence that debt is within state applicable satue of limitations, Amount paid of debt was purchased, completed and executed agreement including Physical/Orignal Signatures , the Signatures shown are with someone who has initials CR which is clearly listed at the bottom, Ive had a lot of fraud on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
The collection account reported by [ Collection Agency ] shows a date of delinquency that inaccurately re-ages the debt, making it appear more recent than it actually is. This is a violation of FCRA 1681c and can mislead creditors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: WV

Complaint narrative:
I am a victim of identity theft. My credit report contains numerous unauthorized accounts, inquiries, and personal information that I did not authorize, consent to, or benefit from. I submitted a formal dispute and block request under 15 U.S.C. 1681c-2 to all three credit reporting agenciesEquifax, Experian, and TransUnionwith the following documentation : FTC Identity Theft Report Notarized affidavit affirming the information is fraudulent Copy of government-issued ID and supporting documents Written identification of the specific accounts and information to be blocked Under federal law, the credit bureaus are required to block and permanently delete this information within four ( 4 ) business days of receiving these documents. Despite this, the disputed information is still being reported. 

Unauthorized Information Still Showing on My Reports Includes : Inaccurate personal information ( employers and previous addresses I never used ) Unauthorized inquiries from auto lenders and financial institutions Federal student loans that I did not apply for or benefit from ( XXXX and XXXX  ) Public record and child support entries that do not belong to me Collection and charged-off accounts that are invalid and not backed by any signed or legitimate agreement I did not request a reinvestigation under 1681i. I exercised my right under 1681c-2 to block and delete fraudulent data. Their continued reporting violates : 15 U.S.C. 1681c-2 : Failure to block disputed identity theft information 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 6802 ( GLBA ) : My private financial information was shared without consent UCC 3-403 ( a ), 1-201 ( 37 ), 2-302 : These accounts are unauthorized and invalid

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 2025-06-05 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: WV

Complaint narrative:
I am a victim of identity theft. My credit report contains numerous unauthorized accounts, inquiries, and personal information that I did not authorize, consent to, or benefit from. I submitted a formal dispute and block request under 15 U.S.C. 1681c-2 to all three credit reporting agenciesEquifax, Experian, and TransUnionwith the following documentation : FTC Identity Theft Report Notarized affidavit affirming the information is fraudulent Copy of government-issued ID and supporting documents Written identification of the specific accounts and information to be blocked Under federal law, the credit bureaus are required to block and permanently delete this information within four ( 4 ) business days of receiving these documents. Despite this, the disputed information is still being reported. 

Unauthorized Information Still Showing on My Reports Includes : Inaccurate personal information ( employers and previous addresses I never used ) Unauthorized inquiries from auto lenders and financial institutions Federal student loans that I did not apply for or benefit from ( XXXX and XXXX  ) Public record and child support entries that do not belong to me Collection and charged-off accounts that are invalid and not backed by any signed or legitimate agreement I did not request a reinvestigation under 1681i. I exercised my right under 1681c-2 to block and delete fraudulent data. Their continued reporting violates : 15 U.S.C. 1681c-2 : Failure to block disputed identity theft information 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 6802 ( GLBA ) : My private financial information was shared without consent UCC 3-403 ( a ), 1-201 ( 37 ), 2-302 : These accounts are unauthorized and invalid

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), block and delete these accounts within XXXX days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX * * * * * * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} Inquiries XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I have contacted Commenity Bank who owes Lane Bryant and told them the address they reported to all 3 credit reporting agencies not just XXXX. They said over the phone they would correct after they did not answer the letter I sent. I have always lived at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX since XX/XX/year>. I have a license to prove it. They never verified the address at all. I have never lived in XXXX Texas My name is now XXXX XXXX XXXX and it was XXXX XXXX, my husband died and I got remarried. I want the address removed from all 3 credit reporting agencies immediately. 

Do you need my license????? How did you verify ... Lane Bryant /Commenty Bank did not and need to remove the address even if my account is closed, can you see my old South carolina license and marriage license and then I moved to the house I own in XXXX XXXX TX and got a new SS card and license dated XXXX and expires XXXX I have NEVER lived in XXXX when I own my own house in Texas XXXX!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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 am alerting you to fraudulent accounts placed on my credit file following a data breach. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts 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 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 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 non-monetary relief
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-05 00:00:00
Product: Debt collection — Medical debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Kason Credit Corporation
State: CT

Complaint narrative:
Contacted company and disputed debt reporting to credit reporting agencies multiple times. Called company and was told I had to pay the medical debt to have it removed from my credit reports. I informed the company that the Consumer Financial Protection Bureau ( CFPB ) has finalized a rule prohibiting the reporting of medical debt on credit reports effective XX/XX/year>. I was then told that was a grey area and I still needed to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: TAG Intermediate Holding Company, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I financed with $ XXXX downpayment a XXXX XXXX XXXX with approximately XXXX miles. 
On XX/XX/XXXX the car broke down due to engine failure. 
I took the car back to Ganas Auto on XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX and tried to cancel the car policy under the 48 hour cancelation policy. 
I was briefly denied and told to contact ganas corporate office. 
For XXXX days I was unable to get in contact with anyone at the corporate office. 
I was told to take my car to the ganas dealership in XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX for repairs. 
Although the repairs were covered under the dealers 30 day warranty I still havent received a status update.

Car currently still at the mechanic shop since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
This complaint is about XXXX XXXX late payments being reported by Capital One on a former XXXX & XXXX store credit card XXXX in XX/XX/year> and XXXX in XX/XX/year>. 

At the time, we purchased an item and returned it before the card program was shut down. The return credit was never applied to the account. I believed the account had a {$0.00} balance and had been resolved, so I didnt make any additional payments. Later, I discovered that late payments had been reported to all three credit bureaus. 

I called Capital One, and they acknowledged the issue and said the return had been mishandled during the transition, but the negative credit marks were never removed. 

These late payments were based on a balance that shouldnt have existed, and the damage to my credit is still ongoing. I am asking Capital One to correct the record by removing these XXXX late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo threatened me on XX/XX/year> XX/XX/year> snd also XX/XX/year> ( listen to the recordings ) that if I didnt claim Fraud or Scam on a cashiers check ( XXXX ) I got that they would close my account. They have no basis. They did close my account and said it would be XX/XX/year> and a check mailed on XX/XX/year>. Then I was threatened again and I still say no fraud, no scam but they extended the date to XX/XX/year> out of spite i suppose. I was told that I might say that Wells Fargo owes damages if I dont file a claim of fraud or scam. Again, the fraud department is wrongprove there was fraud or a scam. I know exactly why and where I sent money. There is no fraud, no scam. I would like my funds now. I did nothing wrong and Im being treated like a criminal. Please help.

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