vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Late payment from XXXX of 2024 JPMCB Card Services shouldnt be reporting a late payment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of the following account appearing on my credit reports from TransUnion, Experian, and Equifax : attachment Enclosed Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Account Type : Installment Date Opened : XX/XX/XXXX Upon thorough review, I have found this account to be in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines, based on the following inconsistencies and factual errors : Metro 2 / FCRA Violations and Inconsistencies : Inconsistent High Credit Reporting : TransUnion and Experian both report the high credit as {$1000.00}, while Equifax reports only {$790.00}.

According to Metro 2 formatting, the original charge-off amount and high credit should be consistent across all bureaus and accurately reflect the loan terms. 

Conflicting Dates of Last Activity and Payment : TransUnion and Experian show the last payment as XX/XX/XXXX, yet Equifax shows XX/XX/XXXX. 

This discrepancy can cause unlawful re-aging of the debt or incorrect aging of delinquency, both of which violate FCRA 607 ( b ) and Metro 2 guidelines.

Reporting as Collection/Charge-Off with {$0.00} Monthly Payment : All three bureaus report a monthly payment of {$0.00} yet continue listing the account as open with an outstanding balance. 

This conflicts with the XXXX Account and XXXX status and is misleading to creditors and underwriters reviewing the report. 

Comment Field Errors & Dispute Status Mishandling : Equifax reports " Consumer disputes reinvestigation in progress '' but continues reporting derogatory statuses.

As per FCRA 611 and Metro 2 guidelines, an account under dispute must reflect the XXXX  code and suppress further derogatory reporting during investigation. 

Unverified and Inaccurate Payment History : TransUnion shows consistent CO ( Charge-Off ) statuses for each month, while Experian and Equifax display XXXX for overlapping months ( e.g., XXXX XXXX ), which is not possible for a charged-off account. 

This false positive reporting is misleading and indicates a failure to maintain accurate and complete records in compliance with FCRA 623.

Requested Resolution : I respectfully demand that the inaccuracies mentioned above be fully investigated and resolved. Specifically : Immediate reinvestigation of the XXXX account under FCRA 611.

Full removal of the account from all three credit bureaus due to non-compliance with Metro 2 standards and FCRA. 

Suppression of derogatory remarks during any dispute/reinvestigation period. 

Written confirmation of the results of your investigation. 
Failure to properly investigate and remove for violations may result in formal civil action for damages as allowed under FCRA 616, 617, and 623.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: UPGRADE, INC.
State: CA

Complaint narrative:
This is a formal complaint against UPLIFTXXXX XXXX  for violations of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681s-2 ( b ), 1681e ( b ), and 1681i ( a ). XXXXCELTIC BANK is furnishing inaccurate late payment data to all three major credit reporting agenciesXXXX XXXX XXXX XXXXXXXXand has failed to comply with its reinvestigation and data accuracy obligations after receiving notice of my dispute. 

The account in question ( Account XXXX. XXXX ) was opened on XX/XX/year>XXXX  and is now listed as closed, but currently shows the following derogatory payment history : 30 days late XXXX XXXX 60 days late XXXX XXXX 90 days late XX/XX/year>XXXX  I dispute the accuracy and timeline of these delinquencies, which I believe to be materially misleading, unverifiable, and incorrectly reported. After initiating disputes through the credit reporting agencies, XXXXELTIC BANK was required by 1681s-2 ( b ) to conduct a reasonable investigation, provide the results to the bureaus, and correct or delete any information found to be inaccurate or unverifiable. T

hey have not done so. Furthermore, the chronology of delinquencies raises red flags and suggests a failure to maintain proper internal records, which violates 1681e ( b ) s mandate for maximum possible accuracy. UPLIFT has not provided any supporting documentation, such as billing statements or payment records, to substantiate their reporting. The FCRA requires that furnishers correct or delete unverifiable information after a reinvestigation. Instead, UPLIFT continues to furnish these negative payment entries, which are actively harming my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: ME

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal 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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I filed a claim with Wells Fargo on XX/XX/XXXX for XXXX disputed transactions totaling {$320.00}. As of XX/XX/XXXX business days later I have not received a provisional credit or final resolution. Ive contacted Wells Fargo multiple times, and theyve only told me the claim is still being worked on.

Im experiencing hardship due to the delay.

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 monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I am disputing a charge of {$550.00} on my Apple Card from approximately XXXX years ago that I did not make or authorize. I received no goods or services from this transaction, and yet I have been repeatedly denied a resolution. 

Despite multiple attempts to dispute this unauthorized charge, Apple Card support has consistently failed to resolve the issue. Each time I contact them, I am told the same line from their policy : Youre never responsible for unauthorized transactions on Apple Card. 
However, this assurance has proven to be meaningless in practice. The case has been reopened and closed numerous times, without explanation, resolution, or any evidence provided to justify the denial of my dispute. When I asked what kind of evidence I could possibly submit for a transaction I did not make, authorize, or benefit from, I was met with vague or non-existent answers each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Wilber and Associates, P.C.
State: FL

Complaint narrative:
In XX/XX/year> i had an accident which i was found at fault, my insurance only covered property damge for the other person and any medical bill would come out of my pocket, so a month after a collecting agency contacted me they told me they had medical bills i had to pay, i said it was okay so i paid for them with no issues, i got release forms from the insurance company The same collecting agency told me at that time I didnt owe nothing else that i had no balance, so XXXX  months after i got a call from the collecting agency telling me i owe them XXXX i asked them for what and they do not want to tell me why they just said its a new balance, so right after i contacted the other persons insurance and they said i didnt have any balance left with them, but that the collecting agency does work with them and they couldnt tell me anything about it either, all i have received is calls with threats from them and no document information or proof of what i owe

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: Resurgent Capital Services L.P.
State: FL

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. 

Account Name : LVNV Funding LLC And according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Delete accounts, LVNV Funding LLC Account # XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-30 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: TN

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible, and been trying to call the credit bureaus for the past weeks now but their automated system is not user friendly and it just keeps on wasting my time. Please remove those alerts asap so that I can move into my new home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal 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 2025-06-30 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: TX

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, Experian, and Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
I have been exposed to Identity Theft and informed agencies a while ago. However Experian XXXX has unlawfully reinserted accounts onto my consumer credit report without proper validation or compliance with statutory requirements. The accounts in question : XXXX XXXXXXXX XXXX ( no valid contract or enforceable security interest under Texas UCC 9.203 ( b ) ), XXXX XXXX XXXX ( no wet-ink signature, no verified identity documentation ), XXXX XXXX ( No legally binding agreement per Texas UCC requirements ) XXXX XXXX ( No legally binding agreement per Texas UCC requirements ) XXXX XXXX XXXX ( No signed credit application or original contract ), The accounts have been reported and reinserted without supporting documentation, including any legal proof of indebtedness, contractual agreement, or permissible purpose and federal consumer protection laws. The repeated re-reporting of unauthorized, unverifiable, and illegitimate accounts is a blatant violation of federal law, the Texas Business and Commerce Code ( UCC ), and my fundamental consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Colony Brands, Inc.
State: IL

Complaint narrative:
I call and ask the company why are they sending me bill from them and why are they calling me. I have not open up a credit card with them. I ask them can they remove it from my credit report and the said I have to do a identity theft application.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MS

Complaint narrative:
I am filing this complaint against Experian regarding a hard inquiry from XXXX XXXX XXXX dated XX/XX/year>, that continues to appear on my credit report. 

I did not apply for credit with XXXX XXXX Bank on or around that date, nor did I authorize this inquiry. I previously submitted CFPB Complaint # XXXX against XXXX requesting verification. To date, neither party has produced documentation showing that I submitted an application or gave consent for this credit pull. 

Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 3 ), credit inquiries must be based on a verifiable permissible purpose. If the furnisher can not verify the inquiry, Experian is obligated under FCRA 611 ( a ) ( 5 ) to delete it from my credit file. This inquiry is unverified and should not continue to be reported. 

I am requesting CFPB intervention to ensure Experian complies with federal 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