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: 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXX Account Number : ending XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter

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: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently found out my hair stylist was not LICENSED to do hair. Before I found that out I sent her XXXX for my next appointment. the day OF XXXX was due at the end. I went to my appointment Sunday XXXX XXXX was done in a studio not a salon not knowing she was also not licensed as she presented herself on social media to be. When she was taking the old hair out she was removing them wrong causing me pain at which I cried in the chair I felt my natural hair being pulled out. I told her stop please and Id just give her the XXXX in advance for completion of the hair when she offered to come finish it at my home Wednesday. When I was getting ready to leave I then seen I did not receive all the hair I paid FOR the appointment as well and left with it. Days leading up to Wednesday I told her nicely I was not interested in her coming to my home and do my hair appointment and installing the new hair due to the first time she installed my old hair she got the keratin ( glue ) poor installation making me lose 50 % of my natural hair. I asked nicely for the {$450.00} back and said I would never book with her again so she wont have to send it back and no inconveniences. She told me No after hours of being blatantly ignored while she continued to post on social media and I contacted capital one and opened a claim and sent all evidence in hopes to get my money back since there was no service done. They said no since I approved of transaction but regardless I should get {$450.00} since I paid for something I did not receive and I found out her license expired in XXXX she shouldnt have been touching hair at all.

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 fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

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: Affirm Holdings, Inc
State: OK

Complaint narrative:
I am filing this formal complaint against Affirm Inc. for multiple violations regarding account # XXXX  : XXXX. Impossible Charge-Off Timeline The report shows " Charge Off as of XX/XX/XXXX to XX/XX/XXXX '' - a backward date range that can not exist, violating FCRA 623 ( a ) ( 1 ) ( B ). 

XXXX. Missing Payment History Data The payment history shows " ND '' ( No Data ) for all months in XXXX, then suddenly reports charge-offs starting XXXX without transition, violating FCRA 607 ( b ) completeness requirements. 

XXXX. Invalid Dispute Response After my XX/XX/XXXX dispute, Affirm marked the account " updated '' but failed to : - Correct the impossible dates - Explain their verification method ( 12 CFR 1022.43 ( f ) ) - Provide requested validation documents 4. Contradictory Status Reporting The account is marked both " charged off '' AND shows a new past due balance ( {$210.00} as of XX/XX/XXXX ), which is logically impossible for a closed account. 

XXXX. Missing Required Information Affirm failed to report : - Date of first delinquency ( FCRA 605 ( a ) ( 5 ) ) - Original creditor information - Itemization of the {$210.00} balance Requested Resolution : 1. Permanent deletion from all credit bureaus 2. Written confirmation of deletion 3. {$1000.00} statutory damages for willful violations If unresolved in 15 days, I will escalate to : - FTC ( 15 U.S.C. 1681s ) - California Attorney General - Federal court ( FCRA 616 ) Attached : Credit report showing violations

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
I am filing this formal complaint against XXXX XXXX for multiple violations regarding account # XXXX  : XXXX. Impossible Charge-Off Timeline The report shows " Charge Off as of XX/XX/XXXX to XX/XX/XXXX '' - a backward date range that can not exist, violating FCRA 623 ( a ) ( 1 ) ( B ). 

XXXX. Missing Payment History Data The payment history shows " ND '' ( No Data ) for all months in XXXX, then suddenly reports charge-offs starting XXXX without transition, violating FCRA 607 ( b ) completeness requirements. 

XXXX. Invalid Dispute Response After my XX/XX/XXXX dispute, XXXX  marked the account " updated '' but failed to : - Correct the impossible dates - Explain their verification method ( 12 CFR 1022.43 ( f ) ) - Provide requested validation documents 4. Contradictory Status Reporting The account is marked both " charged off '' AND shows a new past due balance ( {$210.00} as of XX/XX/XXXX ), which is logically impossible for a closed account. 

XXXX. Missing Required Information XXXX failed to report : - Date of first delinquency ( FCRA 605 ( a ) ( 5 ) ) - Original creditor information - Itemization of the {$210.00} balance Requested Resolution : XXXX. Permanent deletion from XXXX credit bureaus XXXX. Written confirmation of deletion XXXX. {$1000.00} statutory damages for willful violations If unresolved in 15 days, I will escalate to : - FTC ( 15 U.S.C. 1681s ) - California Attorney General - Federal court ( FCRA 616 ) Attached : Credit report showing violations

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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My credit report includes a repossession record that I believe is either inaccurate or can not be verified. Pursuant to 15 U.S. Code 1681e ( b ) and 1681i ( a ) ( 5 ), I am entitled to a credit report that is entirely accurate. I am requesting a thorough review of this entry, and if it can not be fully substantiated, I respectfully request its removal from my credit 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My credit report includes a repossession record that I believe is either inaccurate or can not be verified. Pursuant to 15 U.S. Code 1681e ( b ) and 1681i ( a ) ( 5 ), I am entitled to a credit report that is entirely accurate. I am requesting a thorough review of this entry, and if it can not be fully substantiated, I respectfully request its removal from my credit 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 non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, I just notice that Chase closed all credit cards without a single notice. I called Chase customer service right away to ask the reason why they closed all my cards like that. Chase said they can not disclose the reason, wait for the mail. 

I asked them I have total XXXX Chase Ultimate Rewards Points which can be redeem as {$10000.00} in cash. I asked them to redeem those points in cash, but they said because Chase closed the card, so all the points is not valid anymore => which is not fair. They have policy said You have XXXX  days to redeem after card close, but they said because Chase closed it, so they can not do anything to redeem it. 

This is not good, it takes so much time to save those points for future travel rewards. Now I lost {$10000.00} for nothing. It is a big money. 

That's why I complain and file this report against Chase.Not faire for comsumer. At least let them know before closing cards/accounts. I receive no letter, nothing.

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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXX Account Number : ending XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter

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: 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: FL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX XXXXXXXX Account Number : ending XXXX Date of Charge-Off : XX/XX/XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score.

Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter

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: FL

Complaint narrative:
This is a formal dispute and demand for immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ), 605B, and 609. I am requesting the immediate deletion and permanent blocking of accounts, inquiries, and any personal data that have been reported, accessed, or transmitted without my current and valid consent.See attached

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: EQUIFAX, INC.
State: FL

Complaint narrative:
This is a formal dispute and demand for immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 604 ( a ), 605B, and 609. I am requesting the immediate deletion and permanent blocking of accounts, inquiries, and any personal data that have been reported, accessed, or transmitted without my current and valid consent.See attached

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: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear CFPB, The creditor Best Buy CBNA continues to report a fraudulent account to my Equifax credit report. Best Buy CBNA has been blocked by other major credit bureaus such as Experian and Transunion because not only is the account fraudulent the details reported do not make sense. The data reported shows an initial charge off balance of {$1000.00} with a current balance of {$0.00} and a charge off date of XX/XX/year> but no further payment history after that. When was the charged off balance paid to {$0.00}? Not only is this account fraud but the details reported are obviously inaccurate. Continuously reporting this fraudulent account to my credit report is a violation of the FCRA.

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: EQUIFAX, INC.
State: NY

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. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
RE : LEGAL DEMAND FOR IMMEDIATE PERMANENT DELETION OF FRAUDULENT ACCOUNTS DATA BREACH VICTIM FCRA 1681c-2 ( a ), 1681e ( b ), 1681s-2 ( b ), 1681i ( a ) ( 5 ) To the Equifax Legal Department : This is a final legal demand for the immediate and permanent deletion of the following accounts from my credit file, as they were the result of fraud and identity theft stemming from a data breach. You are hereby legally barred from continuing to report, verify, or reinsert these accounts under federal law. The following accounts are unauthorized, unverified, and unlawful under the Fair Credit Reporting Act ( FCRA ) : Accounts Dispute XXXX Federal XXXX XXXX XX/XX/XXXX XXXX {$20000.00} XXXX XXXX  Opened XX/XX/XXXX Amount {$450.00} XXXX. INQUIRY / XXXX XXXX A Opened XX/XX/XXXX Amount {$430.00} You are required to take the following action within XXXX ( XXXX ) BUSINESS DAYS of receipt of this letter : 1. 2. 3. 4. 5. DELETE AND BLOCK ALL LISTED ACCOUNTS from my Equifax file under 15 U.S.C.

1681c-2 ( a ), as they are the result of identity theft.

CEASE AND DESIST from any future reporting or re-reporting of these accounts, pursuant to 1681i ( a ) ( 5 ) ( C ).

REFRAIN FROM RESPONDING WITH " VERIFIED '' unless you are prepared to provide documented evidence of authorization bearing my wet signature and in-person identity verification which does not exist, as I did not authorize these accounts.

CONDUCT A GOOD FAITH REINVESTIGATION as required by 1681i ( a ) ( 1 ) not a superficial data match and notify me of the results in writing.

Provide a written statement confirming full deletion, including notification that these accounts will not be reinserted under 1681a ( 5 ) ( C ) ( iii ).

Equifax is on legal notice that failure to remove and block these fraudulent accounts will constitute willful noncompliance with the FCRA and will expose your company to legal liability under : 15 U.S.C. 1681n Willful noncompliance ( punitive and statutory damages ) 15 U.S.C. 1681o Negligent noncompliance ( actual damages and legal fees ) Furthermore, if Equifax fails to comply, I will file immediate complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiate civil litigation. This letter is your final opportunity to resolve this matter without escalation.

I am including a government-issued photo ID, proof of address, and I am prepared to include a police report or FTC identity theft affidavit upon request. You are now in possession of formal documentation of the fraud, and any further delay or mishandling will be viewed as an intentional violation of my federal rights.

This is not a request. It is a legal demand under federal statute. Equifax is expected to comply in full, within XXXX ( XXXX ) business days of receipt of this letter. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation