vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: CO

Complaint narrative:
I recently discovered incorrect information on my report, and it is unfairly lowering my scores. These errors have already created obstacles for me, and I should not have to suffer because of mistakes that are not my fault.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX to Report Verified Positive Accounts I am submitting this complaint because multiple credit reporting agencies are failing to report accurate and complete information on my credit file specifically, they are omitting verified positive accounts that are in good standing and currently being reported by other bureaus. 
The following positive accounts are being reported to XXXX or XXXX bureaus, but are missing from others without justification : XXXX ( XXXX ) missing from Experian and TransUnion XXXX XXXX ( XXXX ) missing from Equifax and Experian XXXX XXXX ( XXXX ) missing from Equifax XXXX XXXX XXXX ) missing from Experian and TransUnion XXXXXXXX XXXX XXXX XXXX ) missing from Equifax and Experian XXXXXXXX XXXX ( XXXX ) missing from Equifax and TransUnion I have submitted disputes directly to the bureaus and provided supporting documentation showing that these accounts are valid and currently reporting positively to at least XXXX other bureau. Despite this, the accounts remain missing from the others. 

These omissions are negatively impacting my credit profile by not reflecting the full and accurate history of my creditworthiness. 

I am requesting that the Consumer Financial Protection Bureau investigate this issue and hold the credit reporting agencies accountable for failing to meet their obligations under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete credit reporting. 

I am happy to provide supporting documentation and screenshots showing where each account is currently reporting, along with the account numbers and dispute letters I have already sent. 
Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There is XXXX accounts linked to my social security number, I have asked to have these accounts removed, but the bank has not removed them even after establishing these accounts do not belong to me and was open fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
Subject : Formal Complaint Regarding FCRA and FDCPA Violations Dear Consumer Financial Protection Bureau, I am filing this formal complaint against multiple creditors and debt XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) regarding inaccurate, unverifiable, and potentially fraudulent information being reported on my credit reports. 

The following accounts contain errors, inaccurate reporting, or unauthorized activity : XXXX. XXXX XXXX XXXX XXXX Bank ) Opened XX/XX/year> XXXX XXXX days late and over the credit limit without verification. 

Violations of FCRA XXXX ( a ) ( XXXX ) ( A ) and FDCPA XXXX. 


XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/year> Recent late payment reporting without proper validation or notice. 

Violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 


XXXX. XXXX XXXX Bank Credit Card XXXX charged-off status with a high balance owed ; debt not validated. 

Violation of FDCPA XXXX and FCRA XXXX ( a ) ( XXXX ). 


XXXX. XXXX XXXX XXXX account XXXX " Purchased by another lender '' without accurate ownership information or verification. 

Violation of FCRA XXXX ( a ) ( XXXX ) ( A ). 


XXXX. Key XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) Account # XXXX {$2200.00} Reporting unverifiable debt without full validation. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : Celtic Bank XXXX Account # XXXX {$550.00} Reporting without providing proof of ownership or validation. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX {$62.00} Reporting without full validation of debt. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ). 


XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account # XXXX {$1000.00} Reporting without valid verification. 

Violations of FDCPA 805 ( c ), 809 and FCRA 609 ( a ) ( 1 ).

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

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 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Automated Collection Services, Inc.
State: TN

Complaint narrative:
I paid the FULL amount before I got my procedure done w/ a medical credit card. I don't owe anything. I paid well around {$2700.00} my last payment. I paid the amount off in XXXX before any interest kicked in. I owe {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, XXXX, XXXX 1992, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( XXXX XXXX ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. 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 ( FTC Number ) 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 explanation
Consumer complaint received 2025-03-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
When I checked my credit report today, I was shocked and frustrated to see an unauthorized inquiry appear out of nowhere. I have no clue why this happened, and despite refreshing my browser to check if it was an error, it did not go away. This situation is completely unacceptable, and I insist that my documents be reviewed properly to ensure this problem is fixed once and for all.

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 2025-03-31 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: GA

Complaint narrative:
Experian Credit Reporting XXXX XXXX XXXX XXXX, IL XXXX Subject : Formal Dispute of Credit Report XXXX XXXX XXXX Byte Violation Compliance To Whom It May Concern, I am disputing the following account information as it contains multiple violations of the Fair Credit Reporting Act ( FCRA ) and XXXX XXXX compliance standards. The inaccuracies must be corrected or removed immediately. 

Account : PATIENTFI Account Number : XXXX Account Type : Installment ( Unsecured Loan ) Disputed Items and Violations : XXXX. Conflicting Account Status ( FCRA 1681e ( b ) ) XXXX reports the account as Derogatory while Experian lists it as Paid. 

An account can not simultaneously be derogatory and paid. This violates the FCRAs requirement for accurate reporting. 



XXXX. Incorrect Payment Status ( FCRA 1681s-2 ( a ) ) The payment status shows XXXX, yet Experian states the dispute was resolved, and the unpaid balance was reported as a loss. 

If the balance was written off, it must be accurately reflected across all bureaus without conflicting statuses. 



XXXX. Missing Last Payment Date ( XXXX XXXX XXXX XXXX FCRA XXXX ( a ) ) The last payment date is missing. This is required data under XXXX XXXX guidelines to validate the accounts accuracy. 



XXXX. XXXX XXXX ( FCRA XXXX ( b ) ) The balance is listed as {$0.00}, yet the account was charged off. Charge-offs typically retain a balance unless fully settled or sold. 

If the account is paid, the charge-off status should be removed. 



XXXX. Incorrect XXXX of XXXX ( FCRA 1681c ( a ) ( 4 ) ) If the account was transferred for collection, the charge-off date must be accurately reported. Inconsistent reporting across bureaus indicates potential re-aging.

Requested Action : Immediately correct or remove the inconsistent and inaccurate information per FCRA 15 U.S.C 1681i.

Provide verification from the data furnisher confirming the accuracy of all reported information.

If verification can not be provided, delete the inaccurate data as required under FCRA 1681i ( a ) ( XXXX ). 


I request a thorough investigation of these violations, and if verification can not be provided, the inaccurate data should be deleted. Please provide me with an updated credit report reflecting these corrections. 

Sincerely, 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 2025-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

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 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 2025-04-01 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: NY

Complaint narrative:
I was alarmed that there are inaccurate late payment remarks on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I took a title loan for my XXXX XXXXXXXX XXXX it was only a 30 day agreement but i kept having to refinance it due not being able to pay the full amount in less than 30 days it eventually got to the point where i couldnt make the payment i was told to bring the car in to avoid towing fees so i did a short time after that i called to get my car and it had been auctioned off i never received anything in the mail nor a phone call saying it would be auctioned off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TN

Complaint narrative:
Errors in billing and reporting by the bank have caused significant harm to my credit. Under the Truth in Lending Act ( TILA ), specifically 15 U.S. Code 1666 ( b ), creditors are legally obligated to ensure payments and credits are accurately reflected. However, I have identified multiple issues, including payments I made that were not properly recorded and clear calculation errors in the reported amounts. Additionally, I was not given the mandatory XXXX notice before my payment due date, which renders any late payment marks invalid. These violations of federal law have unfairly damaged my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/XXXX paid the incorrect Capital One account. I inadvertently paid {$1100.00} on my BJs card which had a XXXX balance instead of the XXXX XXXX card. 
I called Capital One on XX/XX/XXXX as soon as I realized the error and was told that it could be easily transferred internally from my BJs card to the Capital One and that would only take a few days and they waived my late charge, I called back on XX/XX/XXXX when I noticed it hadnt been corrected and was told that since its Sunday, they couldnt do anything but that a case had been opened, and it should be corrected no later than XX/XX/XXXX. 
I called again on XX/XX/XXXX when it still hadnt been corrected, and I was passed around to XXXX different people and was told no case had been previously opened and that they were going to open XXXX. 
On XXXX XXXXXX/XX/XXXX, I went to use my card which was declined due to non-payment since the correction still had not been made, I called again and spoke to someone that said she could see the case and that it should be rectified within XXXX hours. I asked if was business or normal hours and she said normal hours and definitely by XXXX XXXX 
On XX/XX/XXXX, after still having no resolution, I called Capital One BJs card and requested they send me a check for my {$1100.00} credit which they did. 
I received the check on XX/XX/XXXX and deposited the check to my checking account so that I could make the payment myself. 

On XX/XX/XXXX, I received a letter stating that the check had been issued in error and not to deposit it as there was a stop payment placed on it. I called Capital One to discuss and was passed to XXXX different people and then to a supervisor who told me that the issue is being reviewed and that I would receive a call on XX/XX/XXXX. 

As of today, which is XX/XX/XXXX and I have yet to hear from Capital One and my BJs card is still showing a credit of {$1100.00}. It has now been XXXX weeks since Capital One has had my {$1100.00} and Im not receiving any response or resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: TX

Complaint narrative:
I am filing a formal complaint against TransUnion for failing to delete an inaccurate XXXX XXXX XXXX XXXX XXXX ( see attached ) account from my credit report despite multiple disputes. The account contains major factual inaccuracies that violate FCRA 623 ( a ) ( 1 ) ( B ), including : The account is reported as both " Open '' and " Placed for Collection '' simultaneously, which is contradictory and materially false. 

The account type is incorrectly listed as a " Factoring Company Account, '' which is inaccurate and misrepresents the nature of the debt. 

Because these errors make the information inherently false and misleading, they can not simply be " updated '' they must be deleted entirely. Furthermore, since TransUnion has already failed to conduct a proper reinvestigation under FCRA 611 ( a ) despite my previous disputes, they are knowingly allowing inaccurate reporting to continue.

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 2025-04-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did not authorize this inquiry and had no communication with the lender on the specified date.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Stellantis Financial Services US Corp.
State: NV

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal complaint against Stellantis Financial Services due to inaccurate and inconsistent reporting of my account balance to the credit bureaus The balance/amount reported to ( XXXX {$17000.00}, XXXX {$17000.00}, XXXX, XXXX {$17000.00} ) does not match across all three credit reports. They also reporting a different amount with ( XXXX XXXX XXXX, XXXX {$14000.00} ) This discrepancy is negatively affecting my credit score and financial standing. 
Details of the Dispute : Stellantis Financial Account number XXXX Stellantis FS has reported different balances to the four major credit bureaus, creating inconsistencies in my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation