vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Auto loan account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX  the account is showing late payment history on TransUnion and Experian only Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing in collection Experian only Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history on Experian and Equifax only Auto loan account opened at XXXX on XX/XX/XXXX account number XXXX XXXX XXXX the account is showing late payment history also shown in collection on Experian only XXXX loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history also shown in collection on Experian only XXXX loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history also shown in collection on Experian only XXXX loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history also shown in collection on Experian only XXXX loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history also shown in collection on Experian only XXXX loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the account is showing late payment history also shown in collection on Experian only XXXX loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history also shown in collection on Experian only Credit Card account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  the account is showing late payment history on Experian and Equifax only which is being inconsistently reported among the national credit bureaus .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: IN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-06-21 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: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-21 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: MO

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/year>, I submitted formal disputes with XXXX for two JPMCB CARD accounts reporting negatively on my credit report. One account shows a balance of {$3600.00}, and the other shows {$2400.00}. Both lack complete payment history, contain inconsistent or unverifiable reporting, and no documentation has been provided to prove their accuracy or ownership. 

I explicitly requested that XXXX  verify the validity of these accounts under FCRA 1681i and 1681e, including proof of the original creditor agreement, billing statements, and a breakdown of how the amounts were calculated. Instead, XXXX marked the items as updated within 24 hours, without explanation or evidence that a legitimate investigation took place or that JPMCB was contacted. 

Worse, both accounts appear to be re-aged, with new status dates reflecting recent updates despite the original dates being much older. This is a clear violation of the FCRA and is designed to keep the accounts on my credit report longer than legally permitted. 

To date, I have received no meaningful results or validation just vague updates and the inaccurate accounts remain, continuing to damage my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint because there are inaccurate and unauthorized credit inquiries appearing on my credit report that I did not initiate or approve. These inquiries are negatively impacting my credit score, and I believe they are in violation of the Fair Credit Reporting Act ( FCRA ), which requires a permissible purpose for any credit pull. 

I previously submitted a dispute to the credit bureau ( XXXX ) regarding these inquiries, but they have failed to remove or properly investigate them. The companies that made the inquiries have not provided any proof that I authorized the pulls or had any business relationship with them. 

Here are the unauthorized inquiries I am disputing : Start Auto Finance - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX - XX/XX/XXXX XXXX Finance - XX/XX/XXXX Lobel Financial - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: UT

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-21 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: UT

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
CAPSTONE XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research CAPSTONE XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TN

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX SS : XXXX Date Birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Formal Dispute of Charge-Off Account Reporting Violation of CARES Act, FCRA, and TILA To Whom It May Concern, I am writing to file a formal dispute against CAPITAL XXXX regarding a charge-off account ( Account Number : XXXX ) that has been reported on my credit report with derogatory charge-off codes from XX/XX/XXXX through the present, in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). 
This account was impacted by financial hardship resulting directly from the COVID-19 pandemic. Under the CARES Act ( Section 4021 ), furnishers are required to report accounts as current if they were in a current status and a forbearance or accommodation was made due to COVID-19. I contacted my creditor during this time regarding financial hardship, and no valid assistance, accommodation, or accurate reporting was applied as mandated by federal law. 
Further, the FCRA ( 15 U.S.C. 1681s-2 ( a ) ) requires furnishers of information to ensure that the information they provide to consumer reporting agencies is complete and accurate. Continuing to report a charge-off status month after month from XX/XX/XXXX to XX/XX/XXXX the present is not only materially misleading but also creates an unfair and damaging reflection of my credit profile. 
Additionally, under TILA ( 15 U.S.C. 1601 et seq. ), creditors have a duty to provide clear, transparent, and fair treatment regarding consumer credit obligations. I believe the reporting of this account, without appropriate accommodation or disclosure, contradicts this principle. 




Action Requested : I respectfully request that the CFPB investigate this matter and compel XXXX  XXXX to : Remove the charge-off account or all monthly charge-off notations from XX/XX/XXXX onward ; Provide a full investigation into whether appropriate CARES Act accommodations were applied ; Ensure compliance with FCRA and TILA guidelines regarding accurate and non-deceptive credit reporting. 


I have attached supporting documents including my credit report entries, communication with the creditor ( if available ), and identification for verification purposes. 
Thank you for your attention to this matter. I look forward to your timely response and the appropriate resolution of this dispute. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-21 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX SS : XXXX Date Birth XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX Subject : Formal Dispute of Charge-Off Account Reporting Violation of CARES Act, FCRA, and TILA To Whom It May Concern, I am writing to file a formal dispute against CAPITAL XXXX regarding a charge-off account ( Account Number : XXXX ) that has been reported on my credit report with derogatory charge-off codes from XX/XX/XXXX through the present, in violation of the CARES Act, Fair Credit Reporting Act ( FCRA ), and Truth in Lending Act ( TILA ). 
This account was impacted by financial hardship resulting directly from the COVID-19 pandemic. Under the CARES Act ( Section 4021 ), furnishers are required to report accounts as current if they were in a current status and a forbearance or accommodation was made due to COVID-19. I contacted my creditor during this time regarding financial hardship, and no valid assistance, accommodation, or accurate reporting was applied as mandated by federal law. 
Further, the FCRA ( 15 U.S.C. 1681s-2 ( a ) ) requires furnishers of information to ensure that the information they provide to consumer reporting agencies is complete and accurate. Continuing to report a charge-off status month after month from XX/XX/XXXX to XX/XX/XXXX the present is not only materially misleading but also creates an unfair and damaging reflection of my credit profile. 
Additionally, under TILA ( 15 U.S.C. 1601 et seq. ), creditors have a duty to provide clear, transparent, and fair treatment regarding consumer credit obligations. I believe the reporting of this account, without appropriate accommodation or disclosure, contradicts this principle. 




Action Requested : I respectfully request that the CFPB investigate this matter and compel XXXX  XXXX to : Remove the charge-off account or all monthly charge-off notations from XX/XX/XXXX onward ; Provide a full investigation into whether appropriate CARES Act accommodations were applied ; Ensure compliance with FCRA and TILA guidelines regarding accurate and non-deceptive credit reporting. 


I have attached supporting documents including my credit report entries, communication with the creditor ( if available ), and identification for verification purposes. 
Thank you for your attention to this matter. I look forward to your timely response and the appropriate resolution of this dispute. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IN

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: TX

Complaint narrative:
I understand my student loan was transferred. My problem is that XXXX never updated my account from delinquent to current due to the transfer. It has still reported as delinquent since XXXX! I want it updated immediately! Once the account was transferred it was considered paid and the XXXX status should be updated!

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 2025-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/year> before noon I deposited {$450.00} into my PNC account from my XXXX XXXX  account which I had done several times before without this past month so this is nothing new at all the thing is is that y'all put this account which is my account through PNC on hold and I was told it would be on hold for the next 30 or 30 plus days and that's definitely not going to work with me because the financial hardship is caused me I've been sitting with my kids now for 3 days without power without water and we just got service eviction notice due to this as well now all that being said my paycheck just got deposited into the same account that has a hold on it that y'all won't release so I can't even attempt to pay my rent or anything to keep from getting evicted because y'all are on some fraud stuff which is ridiculous I would be able to tell you how much my check was that just got deposited but I don't even know how much my check is yet because y'all had it before I got it and I'm not allowed to log into anything so in all fairness I think y'all should just make it where I can transfer my money back out of that account to another account and then you can close the account completely and me and you can just not do business again because this has been the most horrible experience I've yet to have with anybody honestly all together and I will be more than happy to tell everybody don't even think about shopping with y'all or banging with y'all are doing anything with y'all because you're the sole reason why I'm in such financial hardship to the extent of losing everything I have worked so hard to keep

Company response to consumer: Closed with explanation