vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies and compliance issues in my credit reports from Equifax, Experian, and TransUnion. These reports contain inconsistent, incomplete, and obsolete information that violates several sections of the FCRA and CFPBs Metro 2 data reporting standards. 

Several accounts show incorrect balances, duplicate tradelines, and conflicting delinquency information. Some accounts also remain listed as charged-off or delinquent even after being paid in full, while others are missing or display inaccurate Date of First Delinquency ( DOFD ) data. Additionally, there are obsolete negative tradelines more than XXXX years old that have not been removed. 

I have already disputed these issues directly with the credit bureaus and the furnishers of the data ( including XXXX XXXX, XXXX Bank, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, and XXXX ). Despite providing supporting evidence and documentation, the disputed information was not corrected as required by law. 

These issues appear to violate the following FCRA provisions : 1681e ( b ) : Failure to maintain maximum possible accuracy.

1681s-2 ( b ) : Failure of furnishers to investigate and correct disputed data. 

XXXX23 ( a ) ( 5 ) : Failure to report accurate DOFD information.

1681c ( a ) : Continued reporting of obsolete tradelines older than XXXX years. 

I request that the Consumer Financial Protection Bureau initiate a reinvestigation into the reporting practices of these furnishers and the credit reporting agencies. Any unverifiable, inaccurate, or obsolete information should be promptly deleted or corrected. I also request written confirmation of all corrective actions taken in compliance with FCRA 1681i ( a ). 

Attached is my detailed complaint document, including a summary table of each creditor and the specific FCRA or Metro 2 violations identified.

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 2025-10-20 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: GA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ) regarding multiple inaccuracies and compliance issues in my credit reports from Equifax, Experian, and TransUnion. These reports contain inconsistent, incomplete, and obsolete information that violates several sections of the FCRA and CFPBs Metro 2 data reporting standards. 

Several accounts show incorrect balances, duplicate tradelines, and conflicting delinquency information. Some accounts also remain listed as charged-off or delinquent even after being paid in full, while others are missing or display inaccurate Date of First Delinquency ( DOFD ) data. Additionally, there are obsolete negative tradelines more than XXXX years old that have not been removed. 

I have already disputed these issues directly with the credit bureaus and the furnishers of the data ( including XXXX XXXX, XXXX Bank, XXXX XXXX Bank XXXX, XXXX XXXX XXXX XXXX, and XXXX ). Despite providing supporting evidence and documentation, the disputed information was not corrected as required by law. 

These issues appear to violate the following FCRA provisions : 1681e ( b ) : Failure to maintain maximum possible accuracy.

1681s-2 ( b ) : Failure of furnishers to investigate and correct disputed data. 

XXXX23 ( a ) ( 5 ) : Failure to report accurate DOFD information.

1681c ( a ) : Continued reporting of obsolete tradelines older than XXXX years. 

I request that the Consumer Financial Protection Bureau initiate a reinvestigation into the reporting practices of these furnishers and the credit reporting agencies. Any unverifiable, inaccurate, or obsolete information should be promptly deleted or corrected. I also request written confirmation of all corrective actions taken in compliance with FCRA 1681i ( a ). 

Attached is my detailed complaint document, including a summary table of each creditor and the specific FCRA or Metro 2 violations identified.

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I purchased myself a birthday gift ( an expensive watch ) on XX/XX/year>. Chase closed my card right after that transcation. Further more they closed all my credit accounts. I paid off all my card balance right away and ask for a re-open. They keep telling me the payment is still pending on their side and ask me to wait. In the meanwhile I try to use my rewards points however they refuse to let me use any. I want to get all my points, paid membership fee back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: PA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT 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 FRAUDULENT INQUIRIES : XXXX - XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 explanation
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-20 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: Affirm Holdings, Inc
State: CT

Complaint narrative:
Affirm failed to comply with the Fair Debt Collection Practices Act and Fair Credit Reporting Act after I submitted a written debt validation request. 

Details : I mailed Affirm a certified debt validation letter on XX/XX/year>. Instead of validating the debt, Affirm sent me an email response stating the loan ownership has changed and that the account was sold to XXXX XXXX XXXX XXXX XXXX on XX/XX/year>. 

Selling or transferring an account after a validation request is a violation of FDCPA 809 ( b ). Additionally, Affirm did not report the account as disputed by consumer as required under FCRA 623 ( a ) ( 3 ). 

The account still appears on my XXXX  report as closed/ sold/ charged off despite my written dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Dear Capital One XXXX XXXX, Thank you for your response. I want to clarify that my intent was not to dispute XXXX XXXX right to close my accounts, but rather to obtain a clear explanation of why this decision was made. When I contacted your representatives, I was repeatedly told that no information could be shared, which I find unacceptable. As a customer whose credit and financial record may be affected, I am entitled to understand the reasoning behind such an action. 
The potential solutions I suggested in my original correspondence were not demands, but reasonable requests made in the absence of any explanation from your side. I would not have needed to propose alternatives had I been provided with a proper, transparent reason for the closures. 
What is especially troubling is that even though my accounts remain closed and I no longer have access to use them, I am still being charged monthly interest. This practice feels deeply unfair. I am being billed for accounts that I can not utilize in any capacity, and therefore I am not receiving any of the benefits or functionality associated with them. Continuing to charge interest under these conditions is, quite frankly, unjust and unreasonable. 
I respectfully request that you review this matter and provide a written explanation addressing both the basis for the closures and the continued accrual of interest on inactive accounts. I expect transparency and fairness in how this situation is handled moving forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I received a phone call at XXXXXXXX XXXX XXXX  from a company identifying itself as XXXX XXXX XXXX ( XXXX ), regarding a debt related to a XXXX XXXX vehicle that was repossessed between XXXX and XXXX. The call woke me up, and because it was outside of legally permitted calling hours, I refused to speak with them. 

Later, at XXXX XXXX I returned their call to identify the company. During this conversation, the representative immediately threatened legal action, which caused me to end the call. 

Concerned, I researched this company and found no verifiable information about their legitimacy. Notably, they seemed unaware of my current state of residence or my married name, which I have used for XXXX  years. Because of this, I suspect that XXXX XXXX XXXX may be engaging in fraudulent activity. 

I contacted them again to request their full legal business name, physical address, and phone number as required under the Fair Debt Collection Practices Act ( FDCPA ). The representative refused to provide this information, stating it would only be included on a summons. 

I informed them that I have the right to receive this information prior to any legal action and expressed that their refusal, along with their threatening legal action, is unacceptableespecially considering this alleged debt is over XXXX XXXX XXXX and well past the statute of limitations for collection. 

I assert that XXXX XXXX XXXX is violating the FDCPA by refusing to provide proper business identification and by making threats of legal action without substantiating the debt. Due to the lack of transparency and inability to verify their legitimacy, I believe this company may be operating fraudulently. 

I am filing this complaint to seek assistance in addressing this potentially illegal conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRAUDULENT INQUIRIES : 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 explanation
Consumer complaint received 2025-10-20 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide a detailed description of the reinvestigation procedures used to verify disputed information when requested by the consumer. I specifically requested the name and contact details of the furnisher, the identity of the individual the agency communicated with, and the documentation relied upon to verify the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law. This failure to respond constitutes a clear violation of my rights under the FCRA.

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 2025-10-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I moved out on XX/XX/XXXX however debt collection asking for proof of payment from XXXX XXXX XX/XX/XXXX. Whatever left over payment I had left prior to moving out was made on the XX/XX/XXXX. Please do a double check on this issue. I need this to be removed off my report as soon as possible for false accusations!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe 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 ofXX/XX/XXXX XXXX CXX/XX/XXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-10-20 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe 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 ofXX/XX/XXXX XXXX CXX/XX/XXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-10-20 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: GA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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