vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Army and Air Force Exchange Service
State: SC

Complaint narrative:
Hello aafes collections, After several attempts to resolve my payment with star. They refuse to correct the full payments of XXXX payments of {$500.00} each on my statements and Ive been trying to resolve this since last year. I appreciate you correcting the lost money order payments. Okay, so heres the last problem. My account should be retro to the pay off amount in XXXX. If we didnt have to resolve this issue of the money orders, the balance would have been {$360.00}. I did not get a request for the proof of the money orders until XXXX. Although I enclosed all the documentation I had via chat with XXXX and copies. It was a process which I understand. Although, Due to the delay of getting resolved, I did not receive a final pay off after the XXXX {$500.00} payments. This sparked my concern of why the money orders were not posted. Which this didnt get resolved until XXXX  months later. {$400.00} was also sent, to pay it off, reflective the balance of my statement from XXXX of last year. I made these bulk payment to pay this account off for XXXX. Ive also had to pay extra costs for copies of the money orders. {$30.00}. The guesstimate of a little excess overage was paid in full of {$400.00} should satisfy this debt and settlers paid in full reflective of XXXX of last year. My name is XXXX XXXX XXXX. XXXX XXXX. Thank you for your time!

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 2025-04-01 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: NJ

Complaint narrative:
Im notifying that I am a victim of identity theft and a data breach that has resulted in these fraudulent activities harming my personal financial standing please intervene and delete all these accounts from my credit report immediately pursuant to my rights under FCRA 15 USC 1681c-2 ( a ) 1. XXXX XXXXXXXX XXXX # XXXX 2. XXXX. # XXXX 3. DeptedXXXX. # XXXX 4. DeptedXXXX. # XXXX 5. XXXX XXXX # XXXX 6. XXXX. # XXXX 7. DeptedXXXX. # XXXX 8, XXXX XXXX # XXXX 9. XXXX. # XXXX 10. 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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I am submitting this complaint against TransUnion Credit Bureau regarding inaccuracies in my personal information as reported in my credit report.

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is listed incorrectly on my credit report as XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX I request that my name be updated to reflect the correct information.

2. Outdated Address : My current residential address is XXXX XXXX XXXX, XXXX, XXXX, XXXX, but my credit report shows an outdated address as XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL, XXXX. I request that my current address be updated accordingly. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current 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 non-monetary relief
Consumer complaint received 2025-04-01 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: AL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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:
Reason 15 USC 1681O. Civil Liability for negligent noncompliance.

This account is Not reporting completeness and accuracy. Your company is not assuring maximum possible accuracy.

Please delete this account from my consumer report.

1.Account is not accurately being reported on all bureaus 2. payment history is all 0ver the place 3. Date of last payment inaccurately reporting and the 2 bureaus dont match 4. Credit limits dont match 5.shows a past due balance and accounts have been charged off

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/year>2025, I received an email from Experian in response to a previous dispute I filed regarding inaccurate information on my credit report. 

In that email, Experian claimed to have initiated actions due to alleged identity theft, including placing a block on my credit file and requesting additional documentation. However, I want to be clear : I never requested a fraud alert, identity theft investigation, or a credit block. All I did was contact Experian to request a standard reinvestigation into inaccurate informationnothing more. 

Whats most troubling is that while Experian refused to conduct the reinvestigation on the grounds that my identity could not be verified, they still went ahead and updated my personal information. This contradiction shows a disregard for my rights and a pattern of avoidance that violates my protections under the FCRA. 

As a consumer, I have the legal right to dispute any inaccurate information on my credit report, and the credit bureau is required by law to conduct a proper reinvestigation within 30 days. Instead, Experian continues to deflect and avoid my actual request, causing confusion,XX/XX/XXXX and potential damage to my credit profile.

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
XXXX XXXXXXXX XXXX XXXXXX/XX/year>2024 XXXX XXXX/2024 XXXX XXXX XXXX XXXXXXXX/2024

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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
Ive been paying my balance in full every month in an effort to keep my utilization low usually before my statement closes. My capital one account wasnt updated accurately so I submitted a dispute. They submitted my balance to credit agency 10 days before my statement closed, increasing my utilization to 70 % despite my best efforts, losing me XXXX points overnight on my credit score. Theyve never reported anything other than my statement balance. Im asking they continue to do what theyve done the last two years. Im asking they fix this since they really just ruined my credit by changing the rules on their reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reason 15 USC 1681O. Civil Liability for negligent noncompliance.

This account is Not reporting completeness and accuracy. Your company is not assuring maximum possible accuracy.

Please delete this account from my consumer report.

1. Theres no payment history so how is this being reported as a collection?

2. The open date does not match 3. Date of last active does not match

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 2025-04-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
Im not the owner of this debt and the address is wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 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: OH

Complaint narrative:
I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 
ACCOUNTS : XXXX XXXXXXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXXXXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX - XXXX - XX/XX/XXXX - {$8100.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX XXXX {$00.00} XXXXXXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX - XXXX - XX/XX/XXXX - {$960.00} XXXX - XXXX - XX/XX/XXXX - {$1500.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-04-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the continued reporting of a closed and charged-off account from XXXX XXXX ( Partial Account # : XXXX ) as it currently appears on my credit reports with the consumer reporting agencies. 

The account is listed as " Closed Charge Off '' and " Past Due {$3500.00} '', yet I believe this reporting is inaccurate, incomplete, and/or unverifiable in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. Specifically : Failure to Investigate Properly : I previously submitted disputes with the credit bureaus regarding this account, requesting a thorough investigation and validation of the debt as required by FCRA 1681i ( a ). To date, no meaningful verification or documentation has been provided to substantiate the accuracy of this information.

Incomplete and Misleading Information : The reporting of the account as both charged-off and still past due is misleading. Once a debt is charged-off, the balance becomes a write-off for accounting purposes, and it should no longer be simultaneously labeled as past due unless active collection is occurring. This dual-status reporting may violate FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy.

Violation of My Rights to Accurate and Fair Reporting : I believe this item is causing significant harm to my credit profile and may be reported in a manner that is not fully consistent across all credit reporting agencies, raising concerns of inconsistent data furnishing under FCRA 1681s-2 ( b ).

I am requesting the immediate investigation and removal of this account from my credit reports if XXXX XXXX can not provide full and verified documentation showing the legal validity, current balance breakdown, and complete payment history of this debt. 

I am also requesting a formal statement of results from this investigation within the timeframe allotted by law. 

Thank you for your attention to this matter. I look forward to a timely and fair resolution. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, Florida XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-01 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the continued reporting of a closed and charged-off account from XXXX XXXX ( Partial Account # : XXXX ) as it currently appears on my credit reports with the consumer reporting agencies. 

The account is listed as " Closed Charge Off '' and " Past Due {$3500.00} '', yet I believe this reporting is inaccurate, incomplete, and/or unverifiable in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 1681s-2. Specifically : Failure to Investigate Properly : I previously submitted disputes with the credit bureaus regarding this account, requesting a thorough investigation and validation of the debt as required by FCRA 1681i ( a ). To date, no meaningful verification or documentation has been provided to substantiate the accuracy of this information.

Incomplete and Misleading Information : The reporting of the account as both charged-off and still past due is misleading. Once a debt is charged-off, the balance becomes a write-off for accounting purposes, and it should no longer be simultaneously labeled as past due unless active collection is occurring. This dual-status reporting may violate FCRA 1681e ( b ), which requires credit bureaus to maintain maximum possible accuracy.

Violation of My Rights to Accurate and Fair Reporting : I believe this item is causing significant harm to my credit profile and may be reported in a manner that is not fully consistent across all credit reporting agencies, raising concerns of inconsistent data furnishing under FCRA 1681s-2 ( b ).

I am requesting the immediate investigation and removal of this account from my credit reports if XXXX XXXX can not provide full and verified documentation showing the legal validity, current balance breakdown, and complete payment history of this debt. 

I am also requesting a formal statement of results from this investigation within the timeframe allotted by law. 

Thank you for your attention to this matter. I look forward to a timely and fair resolution. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX, Florida 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 non-monetary relief
Consumer complaint received 2025-04-01 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: CA

Complaint narrative:
I am formally disputing the following negative items on my credit report : Also Known As : XXXX XXXX Also Known As : XXXX, XXXXXXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employers : S/E These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 non-monetary relief
Consumer complaint received 2025-04-01 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: GA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and am unaware of their origins. In accordance with USC 1681g, please remove them within 15 days. Enclosed are documents for your review. Additionally, differing account information is being reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
CAPITAL ONE POTENTIALLY NEGATIVE Balance {$680.00} Balance updatedXXXX  XXXX, XXXX CAPITAL ONE I have contacted all 4 credit cards regarding the validation debt charge off. They posted on my credit report accounts were charged off and sold. I have never received the 1099-C and have requested them directly to validate this debt and send a 1099-C that creditor took loss on this debt. These creditors have ignored my request to verity and send me 1099-c from the IRS. This reported information on my credit report is inaccurate and fraudulent from all these credit cards listed.. 

POTENTIALLY NEGATIVE Balance {$1000.00} Balance updatedXXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$860.00} Balance updatedXXXX XXXXXXXX, XXXX XXXX XXXX POTENTIALLY NEGATIVE Balance {$0.00} Balance updatedXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Williams, Rush & Associates, LLC
State: FL

Complaint narrative:
The debt was submitted to WILLRUSH. I did not have an agreement with this collection agency. I sent a letter of verification to validate this debt on XX/XX/scrub>/2024. Your firm has failed to send the legally required validation of this debt. You have been notified that your actions are detrimental to me and that your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. Your firm knew or should have known that the actions taken against me and the information collected about me was inappropriate and damaging to me. Failed to use reasonable care in the course of business and failed to use even minimal procedures to ensure that I was not harmed. Communicated and are continuing to communicate incorrect and defamatory information to third parties including but not limited to : XXXX, and XXXX. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. I am also very upset at your firm 's intentional infliction of emotional distress and at the other diminishments of the quality of my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation