vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
I am submitting this complaint because Experian is reporting multiple inaccurate, outdated, incomplete, and unverifiable accounts and inquiries on my credit file dated XX/XX/XXXX. 
Despite prior disputes, Experian continues to report derogatory items that violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 
________________________________________ Details of Violations 1. Obsolete Accounts o XXXX ( Acct # XXXX ) Charged-off {$1200.00}, last activity XXXX. This exceeds the 7-year limit under FCRA 1681c ( a ) ( 4 ). 
o XXXX XXXX XXXX  accounts ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX. ) First delinquency dates XXXX, yet Experian still reports them as active derogatories. 
XXXX. Misleading & Double Reporting o XXXX ( Acct # XXXX ) Simultaneously marked Paid, Closed and Written Off. Conflicting statuses violate FCRA 1681e ( b ). 
o XXXX XXXX ( Acct # XXXX ) Reported as both Paid in settlement and {$490.00} written off, which is double derogatory reporting. 
XXXX. Unverifiable Debt / Improper Assignment o XXXXXXXX XXXX XXXX / XXXX  XXXX ( {$2600.00} ) No documentation proving ownership, assignment, or legal right to report. Reporting without proof violates FDCPA 809 ( b ) and FCRA 1681i ( a ). 
XXXX. Inaccurate Payment HistorXXXX XXXX XXXX XXXX Account previously disputed but still reports late payments. This violates FCRA 1681i ( c ) by continuing to report a disputed debt without proper resolution. 
XXXX. Unauthorized Inquiries o Experian lists hard inquiries not tied to any open account. Under FCRA 1681b ( f ), no inquiry may appear without a permissible purpose. 
________________________________________ Consumer Harm These inaccurate and outdated derogatory accounts are artificially suppressing my credit score. 
I am being unfairly denied access to credit opportunities, paying higher interest rates, and suffering reputational harm. 
Continued reporting despite disputes shows willful noncompliance under FCRA 1681n.

________________________________________ Requested Relief I respectfully demand the following : 1. Immediate permanent deletion of all disputed items that can not be verified with original signed contracts and full payment histories.

2. Removal of all obsolete accounts older than 7 years.

3. Deletion of all unauthorized hard inquiries.

4. Written confirmation of corrections and an updated credit report.

5. Regulatory enforcement action against Experian and the involved furnishers for repeated violations of federal law. 
________________________________________ 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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
To the Consumer Financial Protection Bureau : I am filing a complaint against Equifax Information Services LLC and XXXX XXXX XXXX XXXX XXXX, for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Summary of Issues : XXXX XXXX XXXX ( {$650.00} and {$970.00} ) continue reporting alleged collection accounts on my Equifax credit file. 
I have disputed these accounts several times, yet no proper validation or supporting documentation has been provided by the furnishers. 
Equifax has failed to remove these unverifiable accounts, leaving inaccurate and misleading information on my report. 
These accounts appear to have been re-aged and remain coded as in-dispute without proper resolution, which violates federal law. 
Violations Cited : FDCPA, 15 U.S.C. 1692g ( b ) : Failure to provide validation after dispute, continued collection activity.

FCRA, 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to complete reinvestigations within 30 days.

FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of obsolete/re-aged accounts beyond the 7-year limit.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Furnishers failed to investigate, correct, or delete inaccurate information.

Harm to Consumer : The continued reporting of unverifiable, inaccurate, and outdated information is damaging my creditworthiness, causing credit denials and higher borrowing costs.

Requested Resolution : 1. Require Equifax to permanently delete the disputed XXXX XXXX ( {$650.00}, {$970.00} ) accounts. 
XXXX. Compel XXXX XXXX XXXX to comply with their legal obligations under the FCRA and FDCPA. 
XXXX. Confirm that all unverifiable or re-aged information has been deleted in full. 
Certification : I certify that the information in this complaint is true and accurate to the best of my knowledge. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
Chase Bank closed my credit card although I have perfect score and perfect payment method. One of the vendor was keep charging me and I was keep calling Chase bank to inform them about the charge. Each time they credited my account and later they told me I had too many Disbute and closed my account. I paid for the whole XXXX  XXXX  fee and they did not refunded my money. I had another account with Chase they also closed that account and did not refunded my XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau : I am filing a complaint against XXXX  XXXX XXXX XXXX and Portfolio Recovery Associates , LLC, for violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Summary of Issues : Portfolio Recovery Associates ( {$650.00} and {$970.00} ) continue reporting alleged collection accounts on my XXXX  credit file. 
I have disputed these accounts several times, yet no proper validation or supporting documentation has been provided by the furnishers. 
XXXX  has failed to remove these unverifiable accounts, leaving inaccurate and misleading information on my report. 
These accounts appear to have been re-aged and remain coded as in-dispute without proper resolution, which violates federal law. 
Violations Cited : FDCPA, 15 U.S.C. 1692g ( b ) : Failure to provide validation after dispute, continued collection activity.

FCRA, 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy of reported information.

FCRA, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to complete reinvestigations within 30 days.

FCRA, 15 U.S.C. 1681c ( a ) ( 4 ) : Reporting of obsolete/re-aged accounts beyond the 7-year limit.

FCRA, 15 U.S.C. 1681s-2 ( b ) : Furnishers failed to investigate, correct, or delete inaccurate information.

Harm to Consumer : The continued reporting of unverifiable, inaccurate, and outdated information is damaging my creditworthiness, causing credit denials and higher borrowing costs. 
Requested Resolution : 1. Require XXXX  to permanently delete the disputed Portfolio Recovery ( {$650.00}, {$970.00} ) accounts. 
2. Compel Portfolio Recovery Associates to comply with their legal obligations under the FCRA and FDCPA. 
XXXX. Confirm that all unverifiable or re-aged information has been deleted in full. 
Certification : I certify that the information in this complaint is true and accurate to the best of my knowledge. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: AZ

Complaint narrative:
Between XXXX and XXXX I borrowed multiple private student loans from XXXX XXXX. Each disbursement was reported as a separate tradeline. In XX/XX/XXXX, XXXX XXXX charged off these loans. In XX/XX/XXXX, I refinanced and settled them through XXXX, which paid approximately 35 % across XXXX loans. XXXX XXXX own transaction histories ( provided to me in XX/XX/XXXX ) show all accounts reduced to {$0.00} balances by XX/XX/XXXX. 

However, my credit reports with XXXX, XXXX, and TransUnion still show these accounts as active charge-offs with inflated balances. 

Example : Loan ending in XXXX shows XXXX disbursements totaling about {$2000.00}. XXXX XXXX transaction history shows a charge-off balance of {$5400.00}, followed by a {$1900.00} settlement payment on XX/XX/XXXX, which reduced the balance to {$0.00}. Despite this, my credit reports continue to show this tradeline as a charge-off with an inflated balance owed. 

This same issue exists across other loans. The reporting is therefore inaccurate and incomplete under the Fair Credit Reporting Act. I previously disputed this directly with XXXX XXXX and the credit bureaus. XXXX XXXX responded only with a generic statement about industry standards and did not provide documentation reconciling the balances or updating the accounts to settled/ {$0.00}.

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 non-monetary relief
Consumer complaint received 2025-10-02 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: AZ

Complaint narrative:
Between XXXX and XXXX I borrowed multiple private student loans from XXXX XXXX. Each disbursement was reported as a separate tradeline. In XX/XX/XXXX, XXXX XXXX charged off these loans. In XX/XX/XXXX, I refinanced and settled them through XXXX, which paid approximately 35 % across XXXX loans. XXXX XXXX own transaction histories ( provided to me in XX/XX/XXXX ) show all accounts reduced to {$0.00} balances by XX/XX/XXXX. 

However, my credit reports with Equifax, XXXX, and XXXX  still show these accounts as active charge-offs with inflated balances. 

Example : Loan ending in XXXX shows XXXX disbursements totaling about {$2000.00}. XXXX XXXX transaction history shows a charge-off balance of {$5400.00}, followed by a {$1900.00} settlement payment on XX/XX/XXXX, which reduced the balance to {$0.00}. Despite this, my credit reports continue to show this tradeline as a charge-off with an inflated balance owed. 

This same issue exists across other loans. The reporting is therefore inaccurate and incomplete under the Fair Credit Reporting Act. I previously disputed this directly with XXXX XXXX and the credit bureaus. XXXX XXXX responded only with a generic statement about industry standards and did not provide documentation reconciling the balances or updating the accounts to settled/ {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and 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 reported to be removed/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. 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!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I paid for identity theft and fraud insurance through Equifax. A few months after purchasing and paying for the service I in fact experienced identity theft. I have police report and all reports of reporting the identity theft. I tried to recover funds I lost with XXXX the insurance company that works with Equifax. They denied my claim. I received a letter from the IRS stating in fact I did have identity theft. The company took my money XXXX $ a month and never made good on that insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IL

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. 
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 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 ) : # XXXXXXXX XXXX XXXX  has violated my rights. 

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 suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general lf, after any reinvestigation under paragraph ( 1 ) 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.

and according to 15 USC 1681s-2 they are suppose to 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

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 XXXX  years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Back in XXXX i cancelled my Best Buy membership. After i submitted a cancellation online, I was charged {$49.00} for the membership renewal fee in XXXX. When i discovered the charge in XXXX, i put in a dispute. They refunded the {$49.00} but then recharged the {$49.00} a week later. I didnt notice until XXXX that I had been charged again for the {$49.00} fee. I once again filed a dispute for the charge in XXXX. I received a letter that they cant do anything with the dispute unless I contact them at their XXXX #. I called tonight and was asked if I wanted to cancel my membership. I stated that I want to cancel and receive a full refund of {$49.00}. They refused saying that I didnt contact them within 60 days of the charge. However, I did contact them in 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 monetary relief