vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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:
I am writing to dispute the following information on my credit report, which was provided by your agency on XXXX. I believe the information is inaccurate, incomplete, or the result of a potential data breach. Please investigate and correct the errors as required under the Fair Credit Reporting Act ( FCRA ). 
Accounts in Dispute 1. XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Discrepancy : Same issue as the previous bureausincorrect reporting. 
2. XXXX XXXX XXXX XXXX ( 2nd Account ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Status : Open Discrepancy : Inaccurate balance and status reporting for this account. 
3. XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Discrepancy : Incorrect unpaid balance reporting. 
4. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Discrepancy : Incorrect status reporting, needs review. 
5. XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Discrepancy : Inaccurate balance and late payment historyneeds correction. 
6. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Status : Open Discrepancy : Late payment reporting is incorrect. Request review and update. 
Violations of the Fair Credit Reporting Act ( FCRA ) As per FCRA 1681e ( b ), I believe that the information listed above is not accurate and request a thorough investigation. Please also ensure that you comply with FCRA 1681i, which mandates the completion of disputes within 30 days.

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 2025-12-23 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:
Please assess the enclosed materials ; the questions were submitted without advance notice and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : 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 2025-12-23 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: RI

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : 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 non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I am writing because the information your company is furnishing regarding the account listed under XXXX appears to be inaccurate, incomplete, or unverifiable. As the original creditor, all information provided to any credit reporting agency originates from your internal records. Therefore, you are responsible for ensuring the accuracy, integrity, and completeness of the data being published. 
At this time, the information being reported including the Date of First Delinquency ( DOFD ) and other derogatory data does not appear to match the factual history of the account. Any discrepancy in the DOFD directly affects the reporting period and the negative impact on my credit profile. 
Because the accuracy of this information is in question, I am requesting strict proof of all data you are furnishing to the credit bureaus for this account. 
XXXX. Request for Strict Proof of the DOFD and Reporting Basis To verify the accuracy of your reporting, please provide : XXXX the original date the account first became delinquent, XXXX complete payment history establishing the DOFD, XXXX any internal records, system notes, or documentation used to determine this date, XXXX and the exact DOFD you furnished to each credit reporting agency. 
If your records do not contain verifiable evidence of the original delinquency date, then any DOFD currently being reported is inaccurate. 
XXXX. Request for Verification of All Information You Furnished Provide a full breakdown of all information you have transmitted to the credit reporting agencies regarding this account, including : XXXX account status, XXXX payment history codes, XXXX charge-off details ( if applicable ), XXXX balance information, XXXX any remarks or comments, XXXX and all XXXX XXXX fields submitted. 
This request is made to determine whether the data being reported is complete and supported by your internal documentation. 
XXXX. Request for Full Account-Level Documentation To validate your reporting and ensure accuracy, please also provide : XXXX the original contract or account application, XXXX complete and unaltered payment history, XXXX full internal notes related to the management, placement, or adjustment of the account, XXXX any charge-off documentation ( if relevant ), XXXX and any account-level data used to support your reporting. 
If you do not have these records, then the information being furnished may not be verifiable. 
XXXX. Opportunity to Correct, Update, or Delete Inaccurate Information If your internal review reveals : XXXX inaccurate reporting, XXXX incomplete records, or XXXX unverifiable DOFD information,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I am submitting this complaint to report a clear violation of the Fair Credit Reporting Act by XXXX. On XXXX I submitted a valid FTC Identity Theft Affidavit and a formal fraud block request identifying multiple fraudulent accounts that resulted from identity theft. I provided sufficient identifying information and documentation to trigger a mandatory fraud block under 15 USC 1681c-2. Under federal law XXXX was required to block the identified fraudulent accounts within XXXX business days of receipt. As of the date of this complaint XXXX has failed to block the accounts and continues to report them on my consumer file. This failure constitutes a direct violation of FCRA Section 605B and has caused ongoing harm by allowing identity theft related information to remain published.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: NJ

Complaint narrative:
Summary : U.S. Bank closed my Altitude Connect Visa card ( ending XXXX ) without notice, based on a payment that came from my spouses checking account, and later contradicted its own written instructions by refusing to review documentation that could resolve the issue. This caused the loss of XXXX reward points and a {$25.00} credit. 

Details : On XX/XX/year>, I closed a U.S. Bank business checking account ( ending XXXX ). The banks agent explicitly told me the closure would have no impact on any other accounts. 
On XX/XX/XXXX, I discovered my credit card had been closed, without any notification. I learned of the closure only when the card disappeared from XXXX XXXX. 
I lost access to XXXX rewards points and an incoming {$25.00} credit. 

Following the closure, I received : 1. A closure letter dated XX/XX/year>, stating that I XXXX provide documentation verifying that I am an owner or authorized agent of the checking account used for the payment. 

XXXX. A CFPB response letter dated XX/XX/year>, stating that the decision remains unchanged, with no opportunity provided to submit documentation. 

These two positions contradict each other and prevented any fair or consistent review. 

The paying account belongs to my spouse, who regularly uses this account to pay other credit cards, including XXXX and XXXX XXXX, without issue. Their statement shows this pattern. XXXX Banks immediate permanent closure, without calling me, emailing me, or verifying the payment, was unreasonable and inconsistent with industry norms. 

I have all requested documentation ready ( marriage proof, spouse authorization letter, and bank statement ). 

Requested Resolution : 1. Reopen the case 2. Accept and review the documentation they originally instructed me to provide 3. Reinstate the account OR restore the forfeited reward points 4. Review the process failure that prevented a fair resolution For context, U.S. Bank previously responded to CFPB Case # XXXX, but that response contradicted the instructions in their XX/XX/XXXX letter and did not allow me to submit documentation. This new complaint concerns the unresolved issues and the procedural contradiction. 

Thank you for your 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
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: IL

Complaint narrative:
I would like to pay XXXX for once and for all. 

I reached a {$9000.00} settlement on my Discover account through your outside counsel, XXXX. 

Due to an unexpected income interruption caused by a government shutdown, I can not meet the original XXXX deadline. This hardship is temporary, and I am requesting Discover approve a short extension so I can honor the settlement in full. 

I am acting in good faith and am not refusing payment. I respectfully request Discover review this matter directly and advise counsel accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS 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 2025-12-23 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: FL

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
This complaint is filed pursuant to the enforcement provisions of 12 U.S.C. 5561 et seq. and constitutes a sworn declaration of material violations of federal commercial, banking, and consumer protection law by J.P. MORGAN CHASE BANK, N.A. I, XXXX XXXX, the Real Party in Interest and Secured Party Creditor, bring this complaint as the lawful agent over the name and estate identified as " XXXX XXXX. '' I. OVERVIEW OF VIOLATIONS Unlawful Credit Reporting & Data Furnishing 15 U.S.C. 1681s-2 ( a ) ( 7 ), 1681a ( n ), GLBA 6802 Respondent bank has willfully reported a " Late Payments '' to consumer reporting agencies without legal basis or proof of obligation. No valid contract exists, no opt-out notice was given, and no privacy notice was delivered as required by federal law. 

Failure to Validate Debt 15 U.S.C. 1692g ( a ), UCC 3-301, 3-309, 9-210 Despite my lawful request for validation of any alleged obligation, no original promissory note, signed agreement, or proof of perfected lien has been produced. They have failed to prove standing as required under commercial law.

Dishonor of Bill of Exchange UCC 3-501, Florida Stat . 673.5011 I lawfully tendered a Bill of Exchange in good faith to settle and discharge the alleged obligation. This lawful instrument was dishonored without legal cause, resulting in discharge by operation of law and commercial default. 

Fraudulent Assignment and Securitization Concealment TILA, GLBA, GAAP The alleged instrument was unlawfully assigned and securitized into a private asset-backed security trust without disclosure. I was never informed that the note was converted, monetized, or transferred for profit. This constitutes material omission and commercial fraud.

Lack of IRS 1099-A 26 CFR 1.6050P-1 No IRS Form 1099-A was issued to notify me of any lawful Claim of my credits and or property.

No Lawful Consideration Public Law 73-10 ( HJR-192 ) Respondent failed to extend any lawful substance-backed consideration or currency of account. Under HJR-192, obligations purportedly arising in fiat or debt-credit offset instruments are unenforceable without real value.

Violation of U.S. Supreme Court Standing Doctrine Spokeo v. Robins, 578 U.S. 330 ( 2016 ) The bank has not proven actual harm, title, or enforceable interest and therefore lacks Article III standing to report, collect, or litigate any claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Hillcrest Davidson & Associates
State: MO

Complaint narrative:
XX/XX/year> I answered a call regarding a debt. The debt agent was rude and hostile. I asked them to not be hostile and they continued to be hostile. I tried to voice that I believe the debt may be a result of identity theft and was told by the agent that is was impossible to be identity theft because they had confirmed the debt and i believe i know the person who stole my identy and created the debt. Eventually he yell that they would just leave the debt on my report and hung up on me. I called back trying to reach a manager and was told to leave a message. When I tried again to contact a manager I was informed that the rude agent was in fact the in house manger and hung up on again.

Company response to consumer: Closed with explanation