vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-16 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:
The reported late payment is inaccurate and unverifiable. The furnisher has failed to provide documented proof that the payment was, in fact, late. Reporting unverifiable or inaccurate information across all three credit bureaus constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). This error is damaging my credit profile and is a result of negligent reporting practices. I demand immediate correction and deletion of this inaccurate late payment from all credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing accounts that have been fraudulently reported under my name. I never opened, authorized, or had any involvement with these accounts. Their inclusion on my credit report is inaccurate, harmful, and misrepresents my financial history.

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This is my XXXX formal notice and dispute, and I am no longer requesting correctionI am demanding enforcement. The failure of these parties to comply with Federal Law, specifically : FCRA 15 U.S.C. 1681i ( Failure to reinvestigate ), FCRA 15 U.S.C. 1681s-2 ( b ) ( Failure to correct or delete inaccurate data ), and Metro 2 format violations ( in coding, DOFD, balance updates, and account status ), ... has caused ongoing, measurable financial harm.

At this stage, continued reporting is criminally negligent, and these agencies are in violation of FCRA Section 618, subjecting them to civil liability, punitive damages, and regulatory action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: NY

Complaint narrative:
A woman named XXXX XXXX from Aldous & Associates calls our home 3-5 times a week asking for us to call them back ( no information other than the call back number in her messages that she leaves each time ). I have picked up and spoken to her a few times and have asked her not to call me again. She won't tell me why she's calling and she won't tell me who she is looking for. When I push for information, she hangs up on me, yet then she calls me again the very next day. When I call back the number, they ask me for my " case number, '' which I've never been provided in the literally XXXX voicemails that XXXX XXXX has left for me. When I tell them that I don't have one, they start asking me for my personal information, but I won't give it to them. I ask them to tell me who they are looking for and what they want based on my phone number and they won't tell me anything. I feel that this is a very aggressive fraudulent / scam caller.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I checked my credit report about a year or so ago and noticed a Capital One Credit Card account listed which I have nothing to do with. I contacted the credit bureaus and they erased it but the card company is still putting back on my report illegally. This is and has never been my account. I have sent supporting documents proving this is identity theft and they still keep putting it back on my account. I am trying to get to the bottom of this because it is not mine!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I'm writing because the account on my credit report is being reported as a charge-off every single month for an extended period of time - Especially on Experian. That's not how charge-offs are supposed to work. 
A charge-off is a one-time event, not something that can be reported over and over again like it keeps happening. Reporting it this way is both misleading, harmful, and most importantly inaccurate. It makes the situation look worse than it actually is, and inaccurate information falsely manipulates the statute of limitations. 
This kind of reporting goes against XXXX XXXX credit reporting guidelines and the Fair Credit Reporting Act. It also doesn't Follow what the CFPB says is fair and accurate credit reporting. 
Because of this, I am asking that this account be removed completely from my credit report. Please investigate and delete. 

Account : XXXX XXXX XXXX Account # 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 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX I mailed over a dispute letter to Transunion disputing the completeness and accuracy for accounts on my credit report. I recently received a response from Transunion that was issued by them on XX/XX/XXXX that they received my dispute but they would not process it because they are assuming it is from a 3rd party. Im not sure why they think that as I am trying to fix my own credit and these inaccuracies are harming my ability to obtain credit. I am demanding that Transunion do their job and conduct a proper investigation on the accounts I am trying to dispute. I have attached the letters along with my Drivers license and proof of 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 2025-09-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
How do I sue or report a credit card company for fraudulent and predatory business practices and who knows what else? They have been sued in class actions as XXXX XXXX XXXX XXXX BUT RECENTLY CHANGED THEIR BUSINESS NAME TO CONCORA CREDIT OUT OF MINNESOTA. SO do I report to TX, FEDERAL AND MISSOURI ATTORNEY GENERALS OFFICES? IM DISABLED ON FIXED INCOME AND THE MENTAL DISTRESS, FINANCIAL PAIN SINCE MY $ XXXX DISPUTE HAS STILL NOT BEEN CREDITED BACK IN OVER A MONTH, WAS FILED XX/XX/year> AND STILL NOTHING AND IM BEING CHARGED EXCESSIVE INTEREST AND FEES WHILE " INVESTIGATING ''. ALL MY OTHER CREDIT CARDS FOUND IN MY FAVOR AND CREDITED ME THE DISPUTED AMOUNT OVER A MONTH AGO. THERE ARE THOUSANDS OF CONSUMER COMPLAINTS ON XXXX, XXXX, XXXX, FTC, FCC ETC.They charge a {$220.00} initial fee for a card i just saw XXXX COMPLAINTS AND THEY WERE SUED AS XXXX XXXX XXXX XXXX. RECENTLY CHANGED THEIR NAME MANY CONSUMER COMPLAINTS ON XXXX, XXXX, AND XXXX  WEBSITE AS WELL AS FTC AND FCC AND CFPB COMPLAINTS. THEY HAVENT CREDITED ME BACK THE {$300.00} I DISPUTED FROM A FALSE HOTEL WHO MADE REPEAT CHARGES VIA XXXX WHICH IS A SCAM COMPANY OUT OF XXXX XXXX. I WILL ALSO FILE COMPLAINTS ON XXXX BUT THEY ARE XXXX IN XXXX NOT XXXX. I HAVE XXXX  FTC AND FCC IN XXXX BUT HAVE NOT RECIEVED CONFIRMATION SINCE I DISPUTED THE XXXX  CHARGES OF {$300.00} OVER A MONTH AGO AND ITS STILL NOT REMOVED AS WELL AS BEING CHARGES INTEREST AND FEES THAT I DONT OWE! SCAM COMPANY AND I HAVE THEIR INDIGO CARD TOO BOTH CHAGED {$250.00} TO GET THEIR CARD. ITS PREDATORY AND RHEY NEED TO BE SHUT DOWN FOR GOOD!!! XXXX XXXX based company posed as a hotel third party to book rates. Unlike expedia who helped call XXXX XXXX to get my refund for room not as described and no tub which are ada violations for the disabled, as I am. XXXX has sent me threatening emails since my dispute saying if I don't pay them thwy will report to law enforcement. I need to forward these emails to ftc for consideration since I have proof and apologies from XXXX XXXX XXXX and the physical location that I complained about. I have photos that sir condition didn't work, leaks on stove, kitchenette empty with no amenities nor supplies I had to drive back and forth home to get supplies that should have been included but that hotel is running illegal business out of it. XXXX XXXX is a cartel by the panels and it's fraudulent and they need to be investigated as well as XXXX. I need to forward all emails to ftc please email me for further documentation. I have the CEOS EMAIL AND THWY NEVER RESPOND ALL MONTH SINCE XX/XX/year> WHEN I WAS FORCED TO CHECK OUT DUE TO THE ABUSIVE NATURE OF THE FRONT DESK STAFF WHO ALSO DIDNT SPEAK ENGLISH AND THE OVERWEIGHT GIRL THREATENED TO FIGHT ME!!! WHO DOES THAT??? UNACCEPTABLE

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: IN

Complaint narrative:
I am disputing the late payment listed on my credit report, as it is inaccurate and does not reflect my consistent, on-time payment history. This false entry misrepresents my financial responsibility and unfairly damages my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
My credit report has several account that are incorrect

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 2025-09-16 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: NY

Complaint narrative:
Re : Illegal Reinsertion of Deleted Account Demand for Permanent Deletion Account Name : XXXX XXXX Account Number : XXXX To Whom It May Concern, I am writing to formally dispute the illegal reinsertion of the above-referenced account on my credit report. This account was previously deleted but has since been reinserted in violation of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( a ) ( XXXX ) ( B ). 
Specifically, this account was reported again on XX/XX/year>. Under this section of the FCRA, if a credit bureau reinserts previously deleted information, it is required by law to : XXXX. Notify the consumer within XXXX business days in writing that the information has been reinserted. 
XXXX. Provide this notice by certified mail with my signature confirming receipt. 
I have not received any such certified letter from Experian regarding this reinsertion. Therefore, this reinsertion is unlawful and constitutes a violation of the FCRA. 
I demand that Experian : - Immediately delete this account from my credit file permanently. 
- Provide written confirmation that this account will not be reinserted again without full compliance with federal law. 
- Supply me with a copy of any documentation Experian relied upon to reinsert this account. 
If Experian fails to comply, I will have no choice but to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve my right to pursue legal remedies for willful non-compliance under the FCRA. 
This is a formal demand for permanent deletion. Please respond within the timeframe required by law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: CA

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 2025-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Affirm Holdings, Inc
State: GA

Complaint narrative:
Affirm charges that has become charge off Maybe no as XXXX. 
Several of them,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
Supplemental Complaint Reference Complaint ID : XXXX I am submitting this supplemental complaint to provide additional details regarding my dispute with American Express concerning an online debit card transaction in which the merchant failed to deliver goods/services. 
Original dispute filed : XX/XX/2025 Transaction date : [ XX/XX/2025 ] Disputed amount : $ [ XXXX ] XXXX points : 1. American Express has not provided provisional credit, which is required under Regulation E ( 12 CFR 1005.11 ) within 10 business days of a dispute if the investigation is not complete. 
XXXX. The XXXX maximum investigation period for point-of-sale debit card transactions expired on XX/XX/2025. Despite this, American Express informed me that they intend to extend the investigation into XXXX, which is not permitted under federal law. 
XXXX. I have submitted additional documentation and evidence showing that the merchant is liable for the non-delivery of goods/services. 

I request that the CFPB ensure that American Express : Immediately complies with Regulation E, including issuing provisional credit for the full disputed amount, and Provides a final written determination regarding this dispute. 

Thank you for your attention to this matter. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding the handling of my credit report, specifically related to reporting between XXXX to XXXX. Despite my repeated disputes and requests for validation of the debt listed, XXXX  has failed to properly validate the debt, and this ongoing failure constitutes violations of both the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Background : I have submitted multiple disputes to XXXX regarding an alleged debt. Each time, I have requested that they validate the debt as required under the FDCPA, and I have asked for full documentation that proves the legitimacy of this debt. Additionally, I have requested that XXXX  comply with the FCRA by ensuring that the information is accurately reflected on my credit report, in light of my ongoing disputes.

Issues : Failure to Validate Debt : Despite my repeated requests for debt validation, XXXX has failed to provide the required documentation supporting the debt in question. Under Section 809 of the FDCPA, I am entitled to receive a detailed validation of the debt within 30 days, which I have not received. 

Failure to Correct Credit Report : Under the FCRA, XXXX is required to investigate my disputes and update my credit report accordingly. I have submitted multiple disputes, but the incorrect and unvalidated information has remained on my report, negatively impacting my credit standing. 

Violation of FDCPA : The continued reporting of an unverified debt, despite my clear and timely disputes, is a violation of the FDCPA. I believe XXXX  has failed to follow proper procedures and provide evidence of the debt 's validity, and this has caused me undue harm. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau intervene to investigate this matter and ensure that XXXX  : Validates the Debt in accordance with the FDCPA.

Corrects my Credit Report by removing any unverified and inaccurate information in accordance with the FCRA.

Provides Documentation supporting any claims made regarding this debt.

Complies with Federal Regulations regarding consumer rights under the FDCPA and FCRA moving forward.

I have attached relevant documentation, including the details of my prior disputes and any responses from XXXX, for your reference. 

Please let me know if any further information is required to process my complaint. I appreciate your attention to this matter and look forward to your assistance in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-16 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: GA

Complaint narrative:
The investigation did not fix any error on my credit report

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 2025-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-16 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:
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 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