vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Park Hill Holdings
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name XXXX XXXX XXXX XXXX has violated my rights. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 XXXX  they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to XXXX5 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: MS

Complaint narrative:
I have requested Experian to have old addresses that has been tied to relatives of mine removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX parents address XXXX XXXX XXXX XXXX, XXXX XXXX grandmothers address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX  XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX husbands sister old address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX parents old address XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX incorrect information XXXX XXXX XXXX XXXX XXXX, XXXX XXXX do not recognize

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AL

Complaint narrative:
InXX/XX/XXXX, I was informed that my XXXX XXXX was revoked due to changes in the eligibility criteria. This XXXX had previously covered a substantial portion of my XXXX XXXX XXXX XXXX, and its loss caused immediate financial hardship. 

Since then, I have been forced to make significant lifestyle changes to manage without that financial support. I've had to cut back on basic living expenses and now live well below my means. Despite seeking XXXX XXXX and applying for emergency aid, I continue to face serious financial challenges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: CA

Complaint narrative:
Upon reviewing my payment records, I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: AZ

Complaint narrative:
I am submitting this complaint against Jefferson Capital Systems LLC for illegal, inaccurate, and unverifiable credit reporting. are reporting debt ( s ) that have not been properly validated. I have requested verification, and they have either failed to respond or continued to report unverifiable, outdated, or incorrect information in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Specific violations include : Reporting without proper validation ( 1692g ) Re-aging or misdating delinquency dates ( 1681c ) Failure to investigate disputes ( 1681i ) Furnishing inaccurate information after notification ( 1681s-2 ( a ) ) I have attached a cease and desist letter outlining all violations and my request for immediate deletion of these tradelines. Please investigate and require these furnishers to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: GA

Complaint narrative:
Ive reached out and XXXX XXXX  was supposed to delete this account due to it showing late payments and the account is and has been closed for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive reached out and XXXX XXXX was supposed to delete this account due to it showing late payments and the account is and has been closed for years.

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 2025-04-30 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: GA

Complaint narrative:
Ive reached out and XXXX XXXX was supposed to delete this account due to it showing late payments and the account is and has been closed for years.

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 2025-04-30 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: TX

Complaint narrative:
This company has no business relationship with me. I never gave permission for a credit inquiry. Please remove it.

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 2025-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express recently ( XX/XX/2025 morning ) closed my account ( s ) without warning or prior contact, citing indicia of misuse in a vague, non-specific letter. I was not informed of any suspicious transactions or account violations, nor was I given a chance to respond or clarify before my account was terminated. 
I have always used my American Express card for normal personal spending, with no unusual or unauthorized activity. I did not receive any communication from American Express prior to the cancellationno calls, emails, or messages asking for verification or providing an opportunity to remedy any concerns. 
At the time of closure, I had a Membership Rewards points balance of XXXX points, which I was planning to redeem. These points have an approximate redemption value of {$2000.00} {$3000.00}, depending on the redemption method. American Express has refused to allow me to redeem or recover these points, and has offered no explanation for the alleged misuse. 
In addition, I am concerned this closure may negatively affect my credit score and future ability to qualify for credit, including a pending home loan application. The company 's complete lack of transparency and refusal to provide evidence or a formal dispute process is deeply concerning. 
What I am seeking : A full explanation of the reason for the account closure, including specific evidence of any alleged misuse. 
Restoration of my account OR full reimbursement of the value of my Membership Rewards points ( XXXX points ). 
Written assurance that my credit will not be negatively impacted by this closure. 
I believe this may represent a violation of consumer protection rights, including due process and fair credit practices under the Equal Credit Opportunity Act ( ECOA ). 
Thank you for reviewing this complaint and assisting with a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 non-monetary relief
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I never signed any agreement related to this debt. I request that this collection account be removed.

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 2025-04-30 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: TX

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two payments on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a screenshot of my current credit report to this complaint on the following dates XX/XX/year>, XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding. 

XXXX XXXX XXXX XXXX Account # XXXXXXXX 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 2025-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Fresh Holdings Inc
State: WA

Complaint narrative:
XXXX ( XXXX XXXX XXXX, XXXX, XXXX  ) has called me multiple times leaving messages regarding a matter in their office. 

XX/XX/year> They left messages on my number, my XXXX 's and XXXX 's phone number as well. 
Debt Collectors are not supposed to leave messages on third party lines. 
This violates the FDCPA. 

This agency is not authorized to conduct business in XXXX  or XXXX. I reside in XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
I am disputing the reporting of a loan account from Affirm that was opened around XX/XX/XXXX and charged off by XX/XX/XXXX. The account is listed as closed with multiple missed payments and a charge-off, but I never received written notice of delinquency or any formal validation of the debt. I believe this violates my rights under the Fair Credit Reporting Act ( FCRA ), including 15 U.S.C. 1681i and 1681s-2. 

I never received verification of the debt or terms, nor any detailed breakdown of payments due. Since the account was opened and charged off in under a year, I am questioning the validity of the reported payment history and charge-off status. 

I am requesting an investigation into the accuracy of this reporting, including verification of the account terms, delinquency timeline, and substantiation of the reported status. If Affirm can not validate the debt under the FCRAs requirements, I am requesting removal or correction of the tradeline. 

Ive also attached a full letter with legal references and my request in greater detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
I am filing this complaint against TransUnion LLC for continuing to report an account from XXXX XXXX  that contains multiple material errors, Metro 2 technical violations, and serious breaches of the Fair Credit Reporting Act ( FCRA ), as well as the Dodd-Frank Act ( UDAAP ). 
I submitted a formal dispute requesting a manual reinvestigation, pursuant to FCRA 611 ( a ) ( 1 ) ( A ), outlining the following issues : The account is inaccurately listed as Charged off while still showing a balance, which contradicts Metro 2 reporting standards. 
The reported dates of last activity and closure are inconsistent and conflicting. 
There are major discrepancies between TransUnions and XXXX  reporting, violating FCRA 607 ( b ), which requires maximum possible accuracy. 
No adequate response has been received within the 30-day window, nor was the method of verification disclosed as required by law. 
In addition, TransUnion has failed its obligations under FCRA 1681e ( b ), 1681s-2 ( b ), and the procedures mandated by 12 CFR 1022.42 and 1022.43. This negligence also qualifies as an unfair or deceptive practice under 12 U.S.C. 5531 ( UDAAP ).

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 2025-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I am submitting this complaint regarding an unresolved dispute with Capital One, specifically tied to Claim # XXXX. 

On XX/XX/year>, I received notice from Capital One that the provisional credit they issued in response to my dispute would be reversed on XX/XX/year>. This credit was related to a transaction I made with XXXX on XX/XX/year>, in the amount of {$360.00} ( including {$2.00} in XXXX XXXX, with {$360.00} paid out-of-pocket ). 

Shortly after placing the order, I found the item cheaper locally and purchased it from XXXX. I immediately contacted XXXX to cancel the shipment, but was told it could not be canceled. I was informed I could return the item for a full refund once it was delivered. I received the item on XX/XX/year>, and returned it to a XXXX store the same day. I have attached the return receipt. 

After weeks with no refund and no response from the merchant, I filed a dispute with Capital One on XX/XX/year>, and was issued a provisional credit that same day. On XX/XX/year>, I was notified by Capital One that XXXX had issued a refund. However, no such refund was ever deposited into my account. The only credit on record is the provisional credit from Capital One. 

On XX/XX/year>, I contacted Capital One again, and a representative confirmed that no refund from XXXX was present in my transaction history. Despite this, they have still moved forward with reversing the provisional credit. 

It is clear that Capital One failed to properly verify whether a merchant refund was ever actually received. I am now being held financially responsible for a refund I never receiveddespite returning the item and providing proper documentation. 

I am seeking the CFPBs assistance in having this claim thoroughly reviewed and resolved fairly. I am also requesting that Capital One refrain from reversing the provisional credit until they can provide proof of an actual merchant refund to my account. 

Thank you for your time and support in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-30 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:
I am a victim of identity theft, and this hard inquiry was not initiated by me. I ask that it be removed from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: VA

Complaint narrative:
I updated my information. I request for my old addressess to be removed

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 2025-04-30 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: VA

Complaint narrative:
I updated my information. I request for my old addressess to be removed

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