vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Schreiber Law LLC
State: MA

Complaint narrative:
I am formally disputing the reporting of an {$8100.00} collection account by XXXX XXXX, originally opened on XX/XX/XXXX, and now showing as seriously past due and in collections across all three credit bureaus. This account is involved in active prior litigation with XXXX XXXX I, XXXX and I have previously filed a Motion to Compel Arbitration, consistent with the original XXXX  cardholder agreement. 

Despite multiple disputes and a formal cease and desist under FDCPA 805 ( c ), this tradeline remains on my reports with ongoing legal violations. I have repeatedly requested proper debt validation under FDCPA 1692g ( b ) and FCRA 1681i, yet XXXX and its agents have only provided generic form letters or account summaries, which are not sufficient legal validation.

No signed agreement, no Forward Flow Agreement, no itemized history, and no chain of custody proving legal assignment has been provided.

Additionally : The Date of Last Activity appears re-aged across reports ( XXXX  shows XX/XX/XXXX ; XXXX  XX/XX/XXXX ), likely violating FCRA 1681c ( a ) ( 4 ) ; Payment history is incomplete and misleading ( entire rows marked CO, without date of charge-off ) ; The account is marked as disputed yet continues to report monthly, suggesting failure to perform a meaningful reinvestigation. 

Continued reporting of inaccurate and unverified data violates : FCRA 1681e ( b ), 1681s-2 ( b ) ; FDCPA 1692k ( civil liability for noncompliance ) ; And may constitute willful noncompliance under FCRA 1681n.

This account has been in dispute for over 6 months, and no valid documentation has been produced. I am requesting full deletion from all CRAs and written confirmation that the account is withdrawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-06-13 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 2025-06-13 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} INQUIRIES : XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 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: MI

Complaint narrative:
I am formally requesting that the unauthorized accounts be blocked and removed from my credit report at your earliest convenience. I did not create or authorize these accounts, and I am unfamiliar with their origins. As stated in USC 1681g, I ask that they be removed within 15 days. Please review the enclosed documentation. Also, the account details being reported differ among the credit bureaus and contain inaccuracies.

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 2025-06-13 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: MA

Complaint narrative:
I am disputing the continued reporting of a dismissed XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) filed on XX/XX/XXXX and resolved on XX/XX/XXXX. This entry is being reported on my Experian credit report and is marked to remain until XX/XX/XXXX, which is inaccurate and misleading. 

According to FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. However, the XXXX XXXX  XXXX does not report to the credit bureaus, and CRAs rely on third-party vendors ( like XXXX or XXXX scrapes ), which are not guaranteed to be accurate or up to date. 

A dismissed XXXX  does not result in a discharge, and therefore is not proof of insolvency or a completed proceeding. Continued reporting of a dismissed case past its usefulness or relevance is misleading, not fully verifiable, and prejudicial. Per FCRA 1681i ( a ) ( 5 ), unverifiable or incomplete public record entries must be deleted after dispute. 

This reporting also conflicts with case law including XXXX v. TransUnion, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ), which held that CRAs can be liable under the FCRA for failing to reinvestigate or delete inaccurate public records even if sourced from court documents.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I am disputing the continued reporting of a dismissed XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) filed on XX/XX/XXXX and resolved on XX/XX/XXXX. This entry is being reported on my Experian credit report and is marked to remain until XX/XX/XXXX, which is inaccurate and misleading. 

According to FCRA 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy. However, the XXXX XXXX  XXXX does not report to the credit bureaus, and CRAs rely on third-party vendors ( like XXXX or XXXX scrapes ), which are not guaranteed to be accurate or up to date. 

A dismissed XXXX  does not result in a discharge, and therefore is not proof of insolvency or a completed proceeding. Continued reporting of a dismissed case past its usefulness or relevance is misleading, not fully verifiable, and prejudicial. Per FCRA 1681i ( a ) ( 5 ), unverifiable or incomplete public record entries must be deleted after dispute. 

This reporting also conflicts with case law including XXXX v. TransUnion, XXXX, XXXX XXXX XXXX. XXXX XXXX ( XXXX XXXXXXXX ), which held that CRAs can be liable under the FCRA for failing to reinvestigate or delete inaccurate public records even if sourced from court documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-06-13 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 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
In XXXX and early XXXX, Bank of America reduced the credit limits on multiple credit cards I hold with them. These reductions were applied over several months, across different accounts, even after balances had already been paid down and my credit profile had stabilized. My XXXX score remained strong throughout this period ( above XXXX ), and I did not experience any defaults or reckless credit activity that would justify continued reductions. 

I proactively reached out to Bank of America immediately following the first reduction to explain my circumstances and request reconsideration. Since that time, I have submitted multiple requests for review and reconsideration of my credit limits, including phone conversations with whom I assume to be their underwriting department, and even attempted formal written escalation to their corporate offices via secure messages ( which is no longer offered in their app or online ). Despite these repeated efforts, Bank of America has not fully reviewed or corrected the limit reductions based on my updated financial profile, which includes fully paid-off revolving balances, strong income, an XXXX customer relationship, an excellent payment history, and significant deposit balances with the bank. 

The pattern of staggered reductions suggests that automated risk models may have repeatedly triggered further limit cuts without fully considering the updated information I provided. I am concerned that the company has failed to properly investigate my dispute and make a fair, individualized decision after receiving multiple requests and supporting documentation. 

I am requesting that the CFPB review this matter and assist in ensuring that Bank of America fully and manually reviews my updated financial profile for an appropriate credit limit reinstatement. 

Attached you will find the following documents regarding my regulatory escalation : Formal CPFB Letter : Full narrative letter addressing BOA 's prior adverse action reasons and presenting updated financial profile. 

Bank of America XXXX XXXX ( XXXX ) : Copies of the formal denial responses previously issued by BOA following my credit limit reconsideration requests. 

XXXX XXXX XXXX XXXX Timeline Evidence & Initial Reduction Letter : Screenshots documenting the staggered reductions applied across multiple accounts and dates.

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 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

Account Details : 1. AMEX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear XXXX Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

Account Details : XXXX. XXXX Account Number : XXXX XXXX. JPMCB AUTO Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: MA

Complaint narrative:
Dear CFPB : I am formally disputing a collection account reported by Credit Corp Solutions IN regarding an alleged debt originally from XXXXXXXX XXXX ( Account # XXXX ). I have no knowledge of this debt, no agreement with XXXXXXXX XXXX or Credit Corp, and no documentation has been provided to validate the account. 

Pursuant to 15 U.S.C. 1692g ( b ) ( FDCPA ) and 15 U.S.C. 1681 et seq. ( FCRA ), I have requested : A signed contract or original application; A full itemized statement of the debt ; Legal proof of assignment or purchase ; The Forward Flow Agreement ( FFA ) between XXXXXXXX XXXX and Credit Corp, which often disclaims account-level accuracy ; Proof that Credit Corp is licensed to collect debt in my state.

Despite this, Credit Corp continues to report a {$3800.00} collection account with no validation or documentation. This violates : FCRA 1681e ( b ) : failure to ensure maximum possible accuracy ; FCRA 1681s-2 ( b ) : failure to investigate and update disputed tradeline ; FDCPA 1692g ( b ) : failure to validate the debt or cease collection ; FDCPA 1692k : civil liability for continued unlawful collection and reporting. 

This is supported by case law including XXXX v. XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), which affirm a consumers right to proper reinvestigation and verification. 

This also serves as a cease and desist under FDCPA 805 ( c ). If validation is not fully provided within 30 days, I demand immediate deletion of this tradeline from all CRAs and confirmation that collection efforts have ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: NJ

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

1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : CXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$2900.00} INQUIRIES : XXXX  Date : 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 2025-06-13 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: TX

Complaint narrative:
Second Notice No Response Within 30 Days to Dispute Filed on XX/XX/year>2025 Regarding Inaccurate, Unverifiable, or Outdated Information in 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