vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 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: NM

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DIME COMMUNITY BANCSHARES, INC.
State: NY

Complaint narrative:
Went to the bank to get a new debit card they a while back said they could not issue one months down the mire than 6 months almost a year now i went to the branch in southold they said they had a note on my account saying they had a note on the account an i was not aloud one so i go to the bank that put the note on there the mattituck dime community bank and they said they will never issue me another card for their bank an i think thats against my right my money gets direct deposited into there and XXXX cant switch banks like that my money is in that account and i cant take it out at free will its caused me multiple trips to the bank and to miss important days for my family because the bank was not open an i cant get my funds out at free will missed important family events. The bank told me they will never issue me a card even when my old card expires i think this is a violation of rights. They talk about how i would owe the bank money if they gave me a card but they owe me all the money i cant access that i made and all the money i have wasted on trips to the bank because they wont issue me a card gas money and wasted trips if their not open disappointment to my family because i could not make it to the bank on time and missing important events.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am formally disputing an unauthorized account on my credit report. I have never consented to or been involved with this account, and its presence is misleading and damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NM

Complaint narrative:
I'm writing to dispute inaccurate late payment notations being reported on my credit file for an account that, to my knowledge and records, has been paid as agreed and never late. 

I want to be very clear here : I am requesting validation of these reported late payments, because as someone who monitors their credit closely and makes every effort to pay on time, this came as a complete surprise. If youre going to report something as serious and damaging as a late payment, it better be backed by clear, verifiable, and accurate documentation not vague data or automated reporting errors. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to report information that is 100 % accurate, complete, and not misleading. Reporting a consumer as late when they have not been late is defamatory, unfairly lowers credit scores, and can create real harm from higher interest rates to declined applications. I am not going to tolerate that on my record, especially when its 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 2025-08-12 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 2025-08-12 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: DE

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : CHARGE-OFF : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-12 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: NY

Complaint narrative:
I recently looked at my credit report from TransUnion and I found several hard inquiries that are the result of identity theft.

These inquiries were not authorized by me and should be removed.

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), which states that these must be removed within 4 business days of receipt.

These inquiries are causing me hardship and are preventing me from obtaining new credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries have no permissible purpose. Delete these inquiries pursuant to FCRA 605B.

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 2025-08-12 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: PA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>

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 2025-08-12 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: AZ

Complaint narrative:
I have never legally gone by these personal information nor do not currently reside at the listed residence. The inclusion of inaccurate aliases and unrelated or outdated addresses not only violates the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681e ( b ) which requires credit reporting agencies to maintain maximum possible accuracy but also creates a serious risk of identity confusion and impairs my ability to obtain credit under accurate and fair conditions. The presence of such erroneous personal information also raises concerns of data mishandling, especially in light of recent national data breaches. Despite previous attempts to have this information corrected, Bureaus might have failed to remove the incorrect aliases and address entries, even though I have never used these names and do not reside at the listed locations. 

I request to confirm this correction in writing and provide an updated copy of my credit report showing the accurate and corrected personal information. If this can not be verified the validity of these aliases and addresses with sufficient legal documentation linking them to me, then they must be removed immediately as required by 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 non-monetary relief
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
This late entry might not be accurateplease take a look.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
There are numerous errors with the reporting of the account ; such as having a 60 day late payment for XXXX of XXXX when the alleged first payment was not due until XX/XX/XXXX, No Data ( ND ) from the period of XX/XX/XXXX thru XX/XX/XXXX on a Closed annotated loan of the account number with a 150 days late payment for the month of XXXX in XXXX [ which contradicts the markings on the closed account ], four 180 days late payments for the months of XXXX, XXXX, XXXX, and XXXX of XXXX. 

I am also requesting the removal of the account in accordance with United States Code, Title 15, Chapter 41, Subchapter III, 1681c ( a ) ( 2 ). The mortgage loan associated with account number XXXX is currently under litigation ; which is a civil suit and therefore exempt from consumer reports.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
Upon reviewing my credit report, I noticed that my Comenity Bank XXXX XXXX account ( ending in XXXX XXXX XXXX XXXX XXXX  ) is showing 30- and 60-day late payment notations for XXXX and XX/XX/year>. I was surprised by this, as I believe I made my payments when I received my statements. It is possible that my monthly statement was not delivered, or that this occurred during a period when I was experiencing medical emergencies. During that time, my bank may have blocked my checking account due to suspected fraudulent activity, which could have interfered with payment processing. 

I have maintained a history of good standing with this account, and I believe these late payment reports are inaccurate. I am concerned about the negative impact this incorrect reporting has on my credit profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: SC

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 5511, to report the ongoing unlawful conduct of XXXX XXXX XXXX XXXX, Discover Card and XXXX  XXXX regarding the reporting of charged-off accounts to consumer reporting agencies without issuing the federally required IRS Form 1099-C ( Cancellation of Debt ). 

- A charge-off under the creditors own accounting and 26 U.S.C. 6050P triggers an identifiable event for cancellation of debt purposes. 
- The Internal Revenue Code, 26 U.S.C. 6050P, mandates that an applicable entity must file an information return ( Form XXXX ) with the IRS when {$600.00} or more of debt is canceled, and must furnish a copy to the debtor by XX/XX/XXXX of the year following the cancellation. 
- The Internal Revenue Manual ( IRM ) 4.10.12.2.4 defines cancellation of debt as an identifiable event, including but not limited to charge-off of a debt, which requires information reporting. 
- No IRS Form 1099-C was issued or furnished to me by the above-named creditor ( s ) despite these charge-offs having occurred some more than 12 months ago.

LAWS AND REGULATIONS VIOLATED - 26 U.S.C. 6050P ( a ) - 26 C.F.R. 1.6050P-1 ( b ) ( 2 ) ( i ) ( C ) - IRM 4.10.12.2.4 ( 2 ) ( b ) - 26 U.S.C. 7434 ( a ) - Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) The failure to issue a Form 1099-C has deprived me of : - Accurate tax reporting to the IRS ; - The ability to properly report and resolve the alleged obligation under federal tax law ; - The correction of my consumer credit reports to accurately reflect the discharge or cancellation of the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I am submitting this complaint pursuant to my rights under the Dodd-Frank Wall Street Reform and Consumer Protection Act, 12 U.S.C. 5511, to report the ongoing unlawful conduct of XXXX XXXX XXXX XXXX, XXXX XXXX  and Capital One regarding the reporting of charged-off accounts to consumer reporting agencies without issuing the federally required IRS Form 1099-C ( Cancellation of Debt ).

- A charge-off under the creditors own accounting and 26 U.S.C. 6050P triggers an identifiable event for cancellation of debt purposes.

- The Internal Revenue Code, 26 U.S.C. 6050P, mandates that an applicable entity must file an information return ( Form 1099-C ) with the IRS when {$600.00} or more of debt is canceled, and must furnish a copy to the debtor by XX/XX/XXXX of the year following the cancellation. 
- The Internal Revenue Manual ( IRM ) 4.10.12.2.4 defines cancellation of debt as an identifiable event, including but not limited to charge-off of a debt, which requires information reporting.

- No IRS Form 1099-C was issued or furnished to me by the above-named creditor ( s ) despite these charge-offs having occurred some more than 12 months ago.

LAWS AND REGULATIONS VIOLATED - 26 U.S.C. 6050P ( a ) - 26 C.F.R. 1.6050P-1 ( b ) ( 2 ) ( i ) ( C ) - IRM 4.10.12.2.4 ( 2 ) ( b ) - 26 U.S.C. 7434 ( a ) - Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ) The failure to issue a Form 1099-C has deprived me of : - Accurate tax reporting to the IRS ; - The ability to properly report and resolve the alleged obligation under federal tax law ; - The correction of my consumer credit reports to accurately reflect the discharge or cancellation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the fraudulent account ( s ) appearing on my credit report. I have no knowledge or authorization of these accounts, and their reporting is inaccurate and damaging to 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
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report. This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

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 2025-08-12 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: NC

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: TX

Complaint narrative:
I have identified a late payment on my credit report that is factually incorrect. I have consistently paid this account on time, and the reporting of this late payment is a serious error that has negatively affected my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$5300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NC

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX Account # : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>

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