vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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:
RE : Dispute of Inaccurate Delinquency Reporting FCRA Section 611 To Whom It May Concern : I am writing under the Fair Credit Reporting Act ( 15U.S.C. 1681 etseq. ) to dispute inaccurate information on my credit report, which I recently obtained from your agency. 

Account in dispute : Creditor name : XXXX XXXX Account XXXX Error # 1 Inaccurate 60-day late payment status Your report indicates a 60-day late payment was posted on [ XX/XX/XXXX, XX/XX/XXXX. This is incorrect. I have no record of being 30 days late prior to that date. According to my billing statements dated [ list dates ], all payments were submitted on time. 
Enclosures : Billing statements, payment confirmations, and creditor correspondence validating on-time payments. 

Error # 2 Inaccurate 120-day late payment status Your report further claims a 120-day late status on [ XX/XX/XXXX ], which is also incorrect. At no time was I ever 90 days late. I have proof that payments made on [ date ( s ) ] were processed, and the account never entered a 90 day delinquency. 
Enclosures : Billing statements, payment records, and bank transaction confirmations. 

Under FCRA 611, you are required to : 1. Conduct a reasonable investigation of my disputes, including contacting the original creditor.

2. Review the enclosed documentation.

3. Delete or correct the inaccurate delinquencies from my credit report.

4. Provide written results and an updated copy of my report upon completion. 


You must resolve this dispute within 30 days of your receipt. If new or updated information is added to my file, please send me an updated credit report. If you find this information can not be verified or is inaccurate, you must remove it and notify anyone who accessed my file in the past six months. 

Thank you for your prompt attention to these errors. Please confirm receipt of this letter and that my dispute is listed on my file. I look forward to receiving the outcome in writing. 

Sincerely, XXXX XXXX XXXX Enclosures : Copy of credit report with disputed items circled [ Copy of credit reporting clearly showing inaccurate payment dates ]

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 2025-06-20 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
XXXX Midland credit management Called XXXX/2025abd XX/XX/scrub>/2025 Claimed to have already talked to my spouse. I don't have one. They are trying to get me to verify information without telling me who they are.

I believe it is a scam and they won't stop calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-20 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: GA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
This is a violation under the Fair Credit Reporting Act. The FCRA ( 15 USC 1681 ) and FERPA. The late payment is NOT accurate.

TransUnion has reported my student loan account as 90 days past due. The student loan company XXXX told me that the account has never been late due to a deferred status on the account.

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 2025-06-20 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: VA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a Chase Sapphire Reserve Card which charges an annual fee of {$550.00}, which qualifies me to earn certain benefits. My fee is bill in XXXX so I paid the annual fee in XXXX of XXXX and this entitles me to benefits for XX/XX/XXXX through XX/XX/XXXX. One of the benefits is a travel credit of {$300.00} which is given towards a spend minimum of {$300.00}. I exceeded the SPEND REQUIREMENT to get this credit as of XX/XX/XXXX. I did get the credit in XXXX. But now I am being told I have to meet the credit again in XXXX and I will not receive points for my travel purchases until I meet the SPEND REQUIREMENT for a 2nd time since I paid my annual fee in XX/XX/XXXX. So it is requiring me to meet the SPEND REQUIREMENT twice. I won't earn points on travel purchases ( should be earning 3 times the purchase price ) until I met the SPEND REQUIRMENT for a 2nd time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ShoulderTap Technologies, Inc. d/b/a Fizz
State: NC

Complaint narrative:
Auto-payment failed multiple times and the companies end. This is a credit card that is suppose to pull payments daily. They failed to notify me of the deliquent payment. Now they are inaccuratly reporting the late payment which is negatively effecting my credit score and ability to purchase life needing essentials

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have an old Capitol One credit card balance. I talked to them and told them I am XXXX XXXX XXXX on a small Social Security retirement income and can't pay on the balance now. Yesterday I got 20 calls from them and that is a typical day 's activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: GA

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

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 2025-06-20 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: NC

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Harris & Harris, Ltd.
State: AR

Complaint narrative:
I cancelled my internet account with XXXX XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. I paid my bill for the billing period through XXXX and returned the internet equipment as requested. The following month I received a bill from XXXX in the amount of {$250.00}. I disputed these charges in a letter to XXXX dated XXXX and requested that XXXX provide me with certain information proving that I owed this debt. Further, I informed XXXX that I disputed this debt and not to take any action to my credit rating until this dispute was resolved. 

I received a subsequent letter from XXXX in XX/XX/XXXX reducing the original disputed debt claim to {$75.00} and adding a {$10.00} late fee for a total disputed debt claim of {$85.00}. I replied to XXXX in a letter dated XXXX and again requested that Optimum cease attempts to collect this debt and correct their records. 

In XX/XX/XXXX I received a debt collection letter from Harris & Harris XXXX Ltd., a XXXX collection agency demanding payment for the disputed debt. I informed Harris & Harris XXXX Ltd. that the alleged debt was disputed and not to take any action that could be considered detrimental to my credit rating. 

On XX/XX/XXXX Harris & Harris , Ltd. filed a derogatory credit report with Experian diminishing my credit rating.

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 2025-06-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: FL

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

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 2025-06-20 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-20 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: TX

Complaint narrative:
This message serves as a dispute of unauthorized and fraudulent accounts found on my credit report. I am not responsible for these accounts and had no prior knowledge of them. I strongly suspect that identity theft may have played a role. Pursuant to 15 U.S. Code 1681g, I request the deletion of these accounts within 15 days. Supporting documentation is provided with this dispute to assist in resolving this issue.

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 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-20 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: IL

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: MD

Complaint narrative:
Concora Credit Milestone Mastercard I paid to have an account with them and then I have a {$700.00} credit limit. I went over and I pay for over the limit fee of {$40.00} but I am also charged when I go over. I also had a balance of {$870.00} and I made one payment on XX/XX/2025 for the exact amount. I realized that on XX/XX/XXXX it posted to the account as multiple payments so I called and reported it and tried to have them remove the double payment but they told me that they could not and they would mail me out a check within 45 days. I didn't think there was a big deal until my credit card started to go over my credit limit in which is not due to my spending. I am charged a returned check fee and over the credit limit fee and some XXXX fee sale fee which I never agreed too so thats fraud and my complaint is if they can not fix issues with system and credit they provide than how are they in business only to rip off customers? after reporting the duplicate payment on there end they tried again to remove it on XX/XX/XXXX, so I made a stop payment through my back XXXX Checking * ( XXXX ) and reached out to them again and they could not give me any information regarding a check that had been issued or even acknowledge that there is a problem with the account like nothing existed. Something is definitely fishy going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: MD

Complaint narrative:
CAPITAL ONE Continuously reports a charged off all my credit report each month. From my knowledge, the account should have been charged off one time, and one time only. They also didnt provide me with the tax information after they wrote the account off, which also violate my rights please remove this account from my credit report immediately as it is dragging my score down With the incorrect information. I also did not authorize this company to broadcast my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: WI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-20 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: WI

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief