vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-30 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 A VICTIM OF IDENITY THEFT AND THERE ARE ACCOUNTS ON MY ACCOUNT THAT IS FRAUDULENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I WAS ASKED T O FILE A FTC REPORT TO HAVE THE ACCOUNTS REMOVED FROM MY FILE.

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 2025-08-30 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: PA

Complaint narrative:
XXXX  XXXX : Amount : {$470.00} This account is inaccurately reporting a charge-off while also showing continued past due balances. This is duplicate derogatory reporting and violates FCRA 607 ( b ), 623 ( a ) ( 1 ) ( A ), and Metro 2. I request original contract, ownership docs, and payment history. If not validated, delete.

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 2025-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/XXXX, I visited the XXXX XXXX XXXX XXXXXXXX XXXX to open a checking account. I was then informed that they were not able to open an account due to an outstanding with Bank of America. I have never had an account with Bank of America. EVER. I called Bank of America the following day to report this fraud & was told by the operator that they would investigate and send me a letter about their findings. I received a letter in the mail from Bank of America stating, " We completed our research on your claim and determined you aren't the person responsible for opening the account ''. Went back to XXXX XXXX XXXX XXXX XXXXXXXX today, XX/XX/XXXX and was told that this is still in my XXXX  account and they can not open an account until it is removed. Please Help. I have put a freeze on all XXXX of the bureau accounts today on XX/XX/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 non-monetary relief
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I sent a dispute letter to Experian for personal address correction because Experian online can not correct and delete my old personal address.

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 2025-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
LVNV Funding XX/XX/XXXX amount {$1000.00} account XXXX LVNV Funding XX/XX/XXXX amount {$920.00} account XXXX XXXX XXXX XXXX XX/XX/XXXX amount {$2200.00} account number XXXX I am requesting that you cease all communication with me under the Fair Debt Collection Practices Act. Do not call me, do not send me letters. If you believe you have a valid case, pursue it in court. Otherwise, stop contacting me. 


I dispute this debt and request validation under the Fair Debt Collection Practices Act. Provide me with written proof that I owe this debt, the original creditor, the amount, and your legal right to collect it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-30 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: MS

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXXXXXX XXXX XXXXXXXX Account To Whom It May Concern, I am filing this dispute regarding inaccurate reporting of my XXXXXXXX XXXX XXXXXXXX account on my TransUnion credit report. 

Account Information ( as reported ) : Creditor : XXXXXXXX XXXX XXXX Original Loan Amount : {$89000.00} Current Balance : {$82000.00} Monthly Payment : {$1100.00} Opened : XX/XX/XXXXXXXX  Term : 276 months ( 23 years ) Last Payment Made : XX/XX/XXXXXXXX  Payment History : 100 % on-time payments Current Status : Current, never late Nature of Dispute : Despite the fact that this account is in good standing always current, never late, with 100 % on-time payments TransUnions reporting is inaccurate and/or incomplete. The account does not accurately reflect its true status and is negatively affecting the accuracy of my credit report. 

Specifically, the account should clearly state : Status : Current, never late Payment History : On-time payments, XXXX late payments Remarks : Paid as agreed The current reporting either omits or misrepresents this information, which misleads potential lenders and violates the Fair Credit Reporting Act ( FCRA ) requirement that credit bureaus report information with maximum possible accuracy. 

Requested Resolution : Correct the record so it accurately reflects : The account is current and never late The payment history is 100 % on-time The account is paid as agreed with no delinquencies Provide me written confirmation once corrections are completed. 

I am attaching documentation to support this dispute, Thank you for your prompt attention to this matter. Please confirm receipt of this dispute and provide updates on the reinvestigation within the legally required timeframe. 

Sincerely, 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 2025-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have 2 different promotion accounts through synchrony care credit at XXXXmonths per promotion and they for almost a yr misappropriation of funds to newer accounts instead of the older one which was about to run out of promotion time of 0 % interest just so they could charge someone 39.99 % interest on to be honest small ( to them, large to me debt ) of {$3500.00} on the first account which I paid off by getting a loan with much lower apr.

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 2025-08-30 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: CO

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-30 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: NC

Complaint narrative:
These credit card accounts were opened fraudulently and are not mine. I did not authorize these accounts, and I have never conducted any business with the companies regarding them. The reported balances and activity on these accounts are inaccurate and are the result of identity theft. 

The accounts fall under the following categories : credit card accounts with reported balances ranging from small to moderate amounts. None of these accounts were authorized or used by me. 

I have not received any information from the companies regarding these accounts, and I am requesting that they provide proof of my signature on any contracts associated with these accounts or delete the accounts from my credit report immediately. 

All actions I have taken so far include escalating the dispute with the credit bureaus and filing this complaint with CFPB to ensure the accounts are corrected or removed.

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 2025-08-30 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: MS

Complaint narrative:
To : \ [ ] Equifax \ [ ] Experian \ [ ] TransUnion * * Subject : * * Dispute of Inaccurate Credit Reporting XXXX XXXX Account ( Acct # XXXX ) Dear CFPB, I am writing to formally dispute inaccurate and misleading information reported on my credit file in relation to the account listed under * * XXXX XXXX * *, account number * * \ [ Insert Account Number ] * *. 

I reached an agreement with XXXX XXXX to pay the debt in full ( or as settled ), which was completed on * * \ [ Insert Payment Date ] * *. This agreement constituted a full resolution of the debt. Despite this, the account is still being reported with negative payment history and/or derogatory remarks that * * misrepresent the status of the account * *. 

# # # Under federal law, this is not only misleading, but unlawful : * * * According to the Fair Credit Reporting Act ( FCRA ) 1681i & 1681s-2 * *, credit reporting agencies must ensure the * * maximum possible accuracy * * of the information they furnish. 
* Continuing to report negative remarks after a debt has been paid as agreed violates * * FCRA 1681s-2 ( a ) ( 1 ) ( A ) * *, which prohibits furnishing information known to be inaccurate. 
* Additionally, * * under FDCPA 807 ( 15 U.S. Code 1692e ) * *, it's considered a deceptive practice to misrepresent the character, amount, or legal status of any debt. 

# # # Requested Action : I am requesting the immediate investigation and correction of this inaccurate reporting. Specifically, I am requesting that : 1. * * All negative or derogatory remarks * * associated with the XXXX XXXX account be * * removed * * or * * updated to reflect the accurate status * * ( " Paid in full '' or " Settled - Paid as agreed '' ). 
2. The payment history be corrected so as not to reflect ongoing delinquencies after the date of settlement or final payment. 
XXXX. I be provided with a written confirmation of the results of your investigation, in compliance with * * FCRA 1681i ( a ) ( 6 ) * *. 

Enclosed are the following documents supporting my claim : * Proof of payment/settlement ( receipt, letter, bank statement, etc. ) * Copy of my ID and a utility bill to verify my identity * Copy of the credit report showing the inaccurate entry Please consider this a formal dispute. You are legally obligated to respond within * * 30 days * * of receipt of this letter under the FCRA. 

Failure to correct this misrepresentation may lead me to file complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and/or take legal action under the FCRA and FDCPA. 

Thank you for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2025-08-30 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: MS

Complaint narrative:
To : \ [ ] Equifax \ [ ] Experian \ [ ] TransUnion * * Subject : * * Dispute of Inaccurate Credit Reporting XXXX XXXX Account ( Acct # XXXX ) Dear CFPB, I am writing to formally dispute inaccurate and misleading information reported on my credit file in relation to the account listed under * * XXXX XXXX * *, account number * * \ [ Insert Account Number ] * *. 

I reached an agreement with XXXX XXXX to pay the debt in full ( or as settled ), which was completed on * * \ [ Insert Payment Date ] * *. This agreement constituted a full resolution of the debt. Despite this, the account is still being reported with negative payment history and/or derogatory remarks that * * misrepresent the status of the account * *. 

# # # Under federal law, this is not only misleading, but unlawful : * * * According to the Fair Credit Reporting Act ( FCRA ) 1681i & 1681s-2 * *, credit reporting agencies must ensure the * * maximum possible accuracy * * of the information they furnish. 
* Continuing to report negative remarks after a debt has been paid as agreed violates * * FCRA 1681s-2 ( a ) ( 1 ) ( A ) * *, which prohibits furnishing information known to be inaccurate. 
* Additionally, * * under FDCPA 807 ( 15 U.S. Code 1692e ) * *, it's considered a deceptive practice to misrepresent the character, amount, or legal status of any debt. 

# # # Requested Action : I am requesting the immediate investigation and correction of this inaccurate reporting. Specifically, I am requesting that : 1. * * All negative or derogatory remarks * * associated with the XXXX XXXX account be * * removed * * or * * updated to reflect the accurate status * * ( " Paid in full '' or " Settled - Paid as agreed '' ). 
2. The payment history be corrected so as not to reflect ongoing delinquencies after the date of settlement or final payment. 
XXXX. I be provided with a written confirmation of the results of your investigation, in compliance with * * FCRA 1681i ( a ) ( 6 ) * *. 

Enclosed are the following documents supporting my claim : * Proof of payment/settlement ( receipt, letter, bank statement, etc. ) * Copy of my ID and a utility bill to verify my identity * Copy of the credit report showing the inaccurate entry Please consider this a formal dispute. You are legally obligated to respond within * * 30 days * * of receipt of this letter under the FCRA. 

Failure to correct this misrepresentation may lead me to file complaints with the * * Consumer Financial Protection Bureau ( CFPB ) * *, * * Federal Trade Commission ( FTC ) * *, and/or take legal action under the FCRA and FDCPA. 

Thank you for your prompt attention to this matter. 

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 2025-08-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I have explained what happened - I was approved for business credit card for {$10000.00} I received the card. 
A week later I received a letter from chase stating we gave you the credit cared with a {$1000.00} limit, but we are going to reduce your Business LOC by {$10000.00} If I would have been told that prior to receiving the card - '' this is what we are going to do '' I would have not gotten the card -The new complaint - on the complaint that I guess cfpb wrote it reads " trouble using card '' how absurd - I have no trouble using the card I am not using the card -The card has not been taken out of the box Between Chase The office of the Comptroller of the Currency and you CFPB -I have been jerked around -Thsi needs to be resolved and resolved now 1. Close the Card 2. Delete the {$790.00} annual fee 3. Restore my LOC to {$59000.00} This has been going on since XX/XX/year> - The 3 institutions are jerking me around and now you are mis stating the reason for my complaint -Trust me -I will not go away -and next step will be legal assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This debt collector has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. They didn't follow the proper XXXX validation procedure. According to the FDCPA, I'm entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately.

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I was given a loan from XXXX XXXX XXXX, near the end of the loan, the cars engine went and I had to surrender the car back to them because I couldnt afford to pay and get a new engine. They have a delinquent debt of {$12000.00} on my credit report after 7 years, but officering settlement for {$1200.00}

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 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

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 non-monetary relief
Consumer complaint received 2025-08-30 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: MD

Complaint narrative:
Experian has multiple late payment errors on my credit report which I have disputed. My credit usage percentage is incorrect as well. Nothing has changed.

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 2025-08-30 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of certain collection accounts being reported on my credit file. The following accounts are incorrectly listed : XXXX XXXX XXXX XXXX XXXX opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXt Reported opened XX/XX/XXXX XXXX XXXX XXXX Reported opened XX/XX/XXXXXXXX  I have never opened accounts with these companies, and the dates listed as opened are inaccurate and misleading. These accounts are reported as if they were newly opened debts, when in fact they are purchased/assigned debts from an original creditor. This violates the Fair Credit Reporting Act ( FCRA ) requirement that all information reported be accurate and complete. 

I am requesting that these accounts be investigated, or removed entirely if the reporting can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: FL

Complaint narrative:
Requested a report and was sent a link to get report with password that did not work.

Company response to consumer: Closed with explanation