vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
I am writing to dispute the inaccurate and inconsistent reporting of late payments on my credit file. The following accounts are being reported with errors and require immediate correction or deletion pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX, 15 U.S.C. XXXX ( a ). 

Account Name : XXXX XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Account Name : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$17000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: GA

Complaint narrative:
I am writing to dispute the inaccurate and inconsistent reporting of late payments on my credit file. The following accounts are being reported with errors and require immediate correction or deletion pursuant to the Fair Credit Reporting Act ( FCRA ) XXXX, 15 U.S.C. XXXX ( a ). 

Account Name : XXXX XXXX Account Number : XXXXXX/XX/XXXX Date Opened : XX/XX/XXXX Balance : {$4300.00} Account Name : XXXXXX/XX/XXXX Account Number : XXXXXX/XX/XXXXDate Opened : XX/XX/XXXX Balance : {$17000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: U.S. BANCORP
State: WA

Complaint narrative:
There is an inquiry on my report from XX/XX/2025 for US Bank that I did not inquire about. It has dropped my score XXXX pts and I would like it removed. Received a letter from Uas bank today about not having enough information to process request. Been on hold with them for over an hour.

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 2025-10-24 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: AZ

Complaint narrative:
I am writing to formally dispute inaccurate and/or incomplete information appearing in my Experian credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), you are required to conduct a reasonable reinvestigation of any disputed information and correct or delete it if it can not be verified with maximum possible accuracy. 
XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Reported status : Charge-Off / Collection with balance {$12000.00}. 
Violation : Account reflects inconsistent dates of last payment and activity across bureaus and is still reporting a balance after charge-off, contrary to Metro 2 and FCRA 1681e ( b ). 
Requested action : Verify documentation from the furnisher supporting the current balance and charge-off status. If unavailable, delete the tradeline. 
XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported status : Charge-Off / Paid Charge-Off / Settled for less than full balance. 
Violation : Inconsistent reporting of payment status and settlement notation. Under 1681e ( b ), data must be complete and accurate ; this account can not simultaneously report as collection/charge-off and paid. 
Requested action : Delete or correct to Paid Closed in Good Standing. 
XXXX. XXXX XXXX Delaware Account # XXXXXXXX XXXX XXXX XXXX XXXX Reported status : Settled for less than full balance / 150 Days Late ( Experian ). 
Violation : This tradeline conflicts with XXXX XXXX XXXX  reports, which list the account as current or closed. Reporting inconsistent information violates 1681e ( b ) and 1681i ( a ) ( 1 ) ( A ).

Requested action : Conduct full reinvestigation ; if you can not confirm accuracy, delete the item entirely.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), if you verify any of the above items, please provide a detailed Method of Verification, including : The name, address, and telephone number of each furnisher contacted ; The procedure used to determine accuracy and completeness.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since XX/XX/XXXX, I have been trying to correct my legal identity and credit reporting with all major credit bureaus. Between XXXX and XXXX, I have submitted legal documentation multiple times to correct my identity and reporting. 

In XXXX, I received notice from XXXX XXXX XXXX that my personal information was involved in a data breach. Since that time, I have received at least XXXX similar letters from other companies notifying me that my information had been exposed. Because of this, I have requested that all items on my credit reports be fully verified. 

Between XXXX and XX/XX/XXXX, I experienced a period where my credit score was not being provided at all. When I contacted FICO directly, they informed me that I did not have a score due to issues in how the credit bureaus were reporting my information.

One credit bureau is reporting a XXXX late payment for a XXXX XXXX account in XX/XX/XXXX, even though another bureau reports the same account as paid and closed with no late payments. Another credit bureau is reporting a charge-off with a balance of approximately {$470.00} for a XXXX XXXX account that does not appear on the other bureau. Reporting for a XXXX  XXXX account also differs between bureaus, including payment history and account status. 

There are addresses and phone numbers listed on XXXX of my credit reports that I have never lived at or used. I have submitted disputes to correct these errors. 

I have spent multiple hours on the phone since XXXX and submitted supporting documents repeatedly. One bureau continues to request the same documents multiple times and has failed to complete the corrections despite acknowledging receipt. 

Because of the continued errors and missing information, the incorrect reporting has caused my credit score to decrease and has prevented accurate identity verification. I am requesting that all accounts, personal information, and reporting be fully verified and corrected.

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 2025-10-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Account info : XXXX XXXX XXXX XXXX I have XXXX charged off accounts with capital one account ending in XXXX was paid in full and the other ending in XXXX was settled for less. I spoke with an employee who advised that once both accounts were paid and/or settled they would put in a request to have it deleted from credit report and internal database but account is still showing up in both. After I agreed for a pay to delete. This account was charged off but was paid/settled and was agreed by creditor to be removed from my account. 
Please remove charged off account in compliance with the FCRA immediately this is a violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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:
The reporting of this Inquiries/charge-off/collection account is inaccurate, incomplete, and unverifiable. The furnisher has failed to provide legally required documentation proving the validity of the debt, the amount claimed, or my liability for it. Continuing to report unverifiable and inaccurate information on my credit file is a direct violation of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and my consumer rights. This account is being reported in a manner that is misleading and damaging to my creditworthiness, and I dispute its accuracy in its entirety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am disputing the inaccurate and unverifiable address listed on my credit report. Under 15 U.S.C. 1681e ( b ) and 1681i, you are required to ensure maximum accuracy and remove any information that can not be verified. Therefore, I request that the incorrect addresses be removed and that my correct address, XXXX XXXX XXXX PL XXXX UNIT XXXX XXXX XXXX FL XXXX. ' The address " XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX '' do not belong to me, and I have never resided at any of these locations. These address have been erroneously reported to the credit bureaus, which has negatively impacted my XXXX XXXX and financial standing. The reporting of inaccurate personal information violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies ensure the maximum possible accuracy of consumer data. Not only are these address incorrect, but they were also reported without my consent. Furthermore, I am unable to submit an FTC Identity Theft Report at this time due to the FTC website being down, which prevents me from providing this as supporting documentation for my dispute. The inaccurate information on my credit report has had a serious impact on my ability to obtain credit, secure housing, and access other financial services. I am requesting that you immediately correct this information to reflect my accurate details. Please investigate this matter and update my credit file to remove these incorrect addresses.

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 2025-10-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had made my mortgage payment on XX/XX/XXXX little more than amount due. Amount due system showed around {$4400.00}. I made the payment for {$4500.00}. I received a call from TD bank of XX/XX/XXXX, saying they had changed my payment amount due to escrow account change during month of XXXX and I owed another {$69.00}. I would no knowledge as I do not see my account everyday. My payment on XX/XX/XXXX was held in suspense account Almost XXXX  days because TD was looong for {$69.00} balance of the payment. I asked why my funds held in suspense account for XXXX days, why were they not returned or why I was not called until XX/XX/XXXX : TD representative said thats how TD system are setup and that keeps the payment in suspense account forever until it can be processed. This should be illegal for bank to use the funds for XXXX  days and not even contact the customer. To make matter worse, they charged me a late payment fee as well for {$69.00}. I like TD bank to be investigated for misusing customer funds. I was charged interest on my mortgage for those XXXX  days and a let fee of {$69.00}. Customers are screwed in many ways and TD bank practice should be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i

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 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XXXX of XXXX  Syncrony Bank ( care credit ) decreased the total limit on my card lower than what my balance was, despite never missing a payment. I contacted the company and was told that I, " looked on paper like i was about to default on my loan because I was only making minimum payments. '' I advised them that my wife was out of work and I was paying her bills as well, they said it did not matter. I asked them to raise my limit back to where it was originally so it was not reported to the credit bureaus that my balance was over my limit, and to remove the over limit charges. Once again, the company refused. When I threatened to contact the Better Business Bureau, they told me that it was within their rights to reduce limits as they saw fit. When I told them that their practices were extortion, the company closed my account and stated that I had requested it. They never sent a bill after that, locked my account, deleted my access, abd revised to accept payment. I got a notice about 6 months later that my account was in collections for failure to pay with more charges added to my account including overage charges, late fees, missed payments, etc.

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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have been trying to cancel my membership to experian for more than XXXX  months and they make it impossible. They've been charging me XXXX dollars and change for a membership I didnt want. It is very predatory and they will not refund it. I've spent hours being hung up on by their automated phone system and it is criminal to do this. Money has been very tight and hundreds of dollars spent on a membership I dont even use is hurting me financially. I've incurred multiple nsf fees from my bank. This should be criminal.

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
Consumer complaint received 2025-10-24 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV Funding LLC ( XXXX XXXX XXXX XXXX XXXX  ) Violations Identified : Duplicated account under different collector names. 

Re-aged dates of delinquency. 

False Unpaid balance remark despite {$0.00} balance. 

Statutory Violations : FCRA 623 ( a ) ( 1 ) ( A ) False and duplicative reporting.

FCRA 605 ( a ) ( 5 ) Re-aging account data.

FDCPA 807 ( 2 ) ( A ) Misrepresentation of balance and status.

3 violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: MI

Complaint narrative:
So I talk to a person in client relations who helped me a XXXX XXXX she end up gettin my request approved for me to receive my funds once the funds got into my account by XXXX PNC restricted the account so I no longer have access violation of banking laws they gave me the money then restricted the account knowing I wasnt gone be able To get the money knowing it was for critical needs this is life threatening critical needs for medicine and bills PNC continues to violate banking laws and regulation e I suppose to have full access to my account and funds this very disgusting seem like they did in response to me making a complaint

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX 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 FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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