vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-17 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

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 2025-10-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing to dispute inaccurate and damaging information on my credit report regarding my XXXX XXXX account # XXXX. This account is being erroneously reported as a " Charge-Off '' by XXXX XXXX to Equifax, TransUnion, and Experian. This information is inaccurate and does not reflect the true status of my account. 

The credit reporting bureaus ( Equifax, TransUnion, and Experian ) have violated my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Violation of 15 U.S.C. 1681e ( b ) : The bureaus failed to maintain reasonable procedures to assure maximum possible accuracy of my credit information. Reporting this account as a charge-off is a fundamental failure of their accuracy protocols.

Violation of 15 U.S.C. 1681i ( a ) : After I previously disputed this information, the bureaus failed to conduct a proper and reasonable reinvestigation. They merely parroted the unverified information from the furnisher without any meaningful review.

Violation of 15 U.S.C. 1681c ( a ) : The reporting of this alleged " charge-off '' is misleading and potentially obsolete. The bureaus have failed to verify the correct Date of First Delinquency ( DOFD ), which is critical for ensuring the item is not reported beyond the 7-year legal limit.

This is not an isolated error but part of a pattern of willful non-compliance. Recent legal precedents make the bureaus ' liability in such situations clear :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: PA

Complaint narrative:
I am writing to dispute inaccurate and damaging information on my credit report regarding my XXXX XXXX account # XXXX. This account is being erroneously reported as a " Charge-Off '' by XXXX XXXX to Equifax, TransUnion, and Experian. This information is inaccurate and does not reflect the true status of my account. 

The credit reporting bureaus ( Equifax, TransUnion, and Experian ) have violated my rights under the Fair Credit Reporting Act ( FCRA ) in the following ways : Violation of 15 U.S.C. 1681e ( b ) : The bureaus failed to maintain reasonable procedures to assure maximum possible accuracy of my credit information. Reporting this account as a charge-off is a fundamental failure of their accuracy protocols.

Violation of 15 U.S.C. 1681i ( a ) : After I previously disputed this information, the bureaus failed to conduct a proper and reasonable reinvestigation. They merely parroted the unverified information from the furnisher without any meaningful review.

Violation of 15 U.S.C. 1681c ( a ) : The reporting of this alleged " charge-off '' is misleading and potentially obsolete. The bureaus have failed to verify the correct Date of First Delinquency ( DOFD ), which is critical for ensuring the item is not reported beyond the 7-year legal limit.

This is not an isolated error but part of a pattern of willful non-compliance. Recent legal precedents make the bureaus ' liability in such situations clear :

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I affirm that the incorrect late payment remarks on my accounts are a violation of 15 USC 1666. I have consistently met my payment obligations on time, and any errors in reporting are both unjustified 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 explanation
Consumer complaint received 2025-10-17 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: AL

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: NY

Complaint narrative:
My name is XXXX XXXX. Capital One has been unlawfully overcharging my account with improper fees and interest, which caused my balance to go negative even after I made payments. These unfair charges led to inaccurate negative reporting on my credit report, damaging my credit score. I contacted Capital One multiple times to dispute the issue, but they failed to correct the errors or properly investigate my complaint. Their actions violate the Fair Credit Billing Act and Fair Credit Reporting Act. I am requesting removal of all improper charges, correction of my credit report, and written confirmation once this matter is resolved

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: MS

Complaint narrative:
I submitted a cease -and-desist letter to XXXX XXXX demanding that all collection activity cease until validation is provided. I contacted the Credit Reporting agencies and submitted several disputes, which came back verified as accurate. Nevertheless, XXXX and the Credit Reporting agencies are continually reporting this account, and third parties have contacted me via email. The credit bureaus are on notice that the account is under legitimate dispute and that their collection reporting must be suspended pending proper validation FCRA 623 ( a ) ( 1 ) ( B ) ; 611 ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-10-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately.

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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: MD

Complaint narrative:
I am writing to formally demand the immediate deletion of two inaccurate accounts that are being illegally reported on my credit file. The cross-bureau inconsistency in reporting proves these accounts are unverifiable and inaccurate. 

ACCOUNTS FOR IMMEDIATE DELETION XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - This account was DELETED from Experian on XX/XX/year>, yet Equifax and TransUnion continue to report it. This proves the information can not be verified and its continued reporting is a willful FCRA violation. 

XXXX XXXX Account XXXX XXXX - This account is being reported inaccurately across all three bureaus. 

The credit reporting agencies are committing the following willful violations : VIOLATION OF 15 U.S.C. 1681e ( b ) - REASONABLE PROCEDURES The fact that Experian deleted account XXXX XXXXXXXX while Equifax and TransUnion continue to report it demonstrates your procedures are fundamentally broken. This is not a simple error- this is a catastrophic failure of your accuracy protocols. 

VIOLATION OF 15 U.S.C. 1681i ( a ) - REINVESTIGATION FAILURE Your so-called " reinvestigations '' are a complete sham. If account XXXX XXXXXXXX was unverifiable for Experian, it is equally unverifiable for Equifax and TransUnion. Your failure to delete it demonstrates you are not conducting meaningful reinvestigations. 

VIOLATION OF 15 U.S.C. 1681c - INCONSISTENT REPORTING The inconsistent reporting across bureaus creates a completely misleading credit profile and constitutes illegal reporting practices.

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Initially I called and asked what they needed for address verification- they indicated a utility bill with my address or an insurance document with my address. I asked if I could send an explanation from XXXX ( which is my health carrier ) they said yes.

They asked that I take a government picture id, social security card, and two forms of address identification to my local branch to fax to them, which I did. 
On XX/XX/year>, I received a letter indicating that the could not approve my application for the following reasons : Identity can't be verified ; Social Security/Individual Tax Identification number provided can't be verified.

I subsequently called them if they could clarify what that meant. They advised that my social security card was fine, but my id was not clear and the two address documents were not acceptable. It turned out they needed all pages of my utility bill and that they needed car insurance. Unfortunately, I am XXXX and do not have a car and unable to drive.

My credit rating has ranged from Very Good to Exceptional. I currently have no debt. I am assuming my declination is based on application and is based on my age and ethnicity

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 2025-10-17 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: IL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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.

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 2025-10-17 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: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-17 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: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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: FL

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 2025-10-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
On XX/XX/XXXX, I received an unexpected and generic email from American Express stating that all my accounts were being closed, without any prior notice or warning. I had three personal credit cards and two business credit cards with American Express.

The email stated the following : We are writing to inform you that after a recent review of your American Express account ( s ) referenced above, we have exercised our right under the Cardmember Agreement to cancel the account ( s ). Due to the nature of this cancellation, the account ( s ) listed above, and any other accounts if applicable, will not be eligible for reinstatement nor for Membership Rewards points redemptions.

When I called customer service for clarification, I was told that no additional information could be provided beyond the statement that American Express had exercised its right under the Cardmember Agreement to cancel my accounts. I was also informed that I had forfeited all my Membership Rewards points, approximately XXXX points, equivalent to roughly {$9000.00} in rewards and that there would be no reimbursement or reinstatement. 

I am extremely disappointed by this action, particularly given the lack of transparency, absence of prior warning, and the forfeiture of significant rewards I had accumulated over the years as an American Express loyal customer. I respectfully request a formal explanation for the account closures and a reconsideration regarding the forfeiture of my Membership Rewards points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
Chase asked me to call in order to release a wire - I was on the phone with 3 different representatives for over 40 minutes on XX/XX/year> at around XXXX XXXX and the end result is the Chase representative who refused to identify himself but mentioned his name was " XXXX XXXX' hung up the phone on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 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 AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-17 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:
These accounts are being reported in my name without my authorization or knowledge. I did not open, authorize, or manage them, and their presence is a false and damaging misrepresentation of my financial history. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
PORTFOLIO is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief