vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 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: MD

Complaint narrative:
I am disputing multiple inaccurate and non-compliant tradelines being reported by Experian in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 reporting guidelines. These accounts contain serious discrepancies including repeated CO charge-off notations after the account was closed, missing Date of First Delinquency ( DOFD ), balance inaccuracies, and failure to update post-payment or dispute activity.

Experian has failed to maintain maximum possible accuracy as required by 15 U.S.C. 1681e ( b ), and has not conducted a meaningful reinvestigation under 1681i ( a ). Accounts include those from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These tradelines show overextended CO reporting across 3040 months, violations of credit limit disclosures, and improper or missing data fields mandated by Metro 2 guidelines.

Despite prior disputes, these accounts remain with no verifiable proof or method of verification disclosed, violating 1681s-2 ( b ). I request that these tradelines be corrected or removed immediately. If the data furnishers and Experian can not verify with complete and accurate records, they must be deleted under FCRA.

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 2025-07-19 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Capstone Credit & Collection, LLC.
State: NJ

Complaint narrative:
The originally creditor of this collection illegally threaten to damage my credit report then fraudulently obtained fraudulent credit inquires on my credit which I have no knowledge of this collection, I have never lived in XXXX  or rented a apartment in XXXX  therefore remove from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2025, I purchased a ticket from a XXXX XXXX in the value of {$530.00}. This flight was to take off on XX/XX/2025. Unfortunately, when I arrived at the airport, there was insufficient staffing to be able to take my baggage. Consequently, XXXX XXXX moved my flight to XX/XX/2025. When I arrived for my flight on XX/XX/XXXX, we took off from XXXX. The flight path was intended to be to XXXX and then XXXX, NY afterwards. However, due to the negligence of XXXX XXXX, they failed to refuel their plane and we had to stop in XXXX XXXX. Unfortunately, this stop caused me to miss my flight from XXXX to XXXX. Despite several good faith attempts on my part to get me to XXXX, XXXX XXXX presented me a " choice '' of remaining in the airport for two days, or they could send me back to XXXX. XXXX XXXX claims that because I chose to go back to XXXX, they have rendered services ; I contend that any reasonable actor would prefer to be sent home than to sit in an airport for two days. Materially, the contract was not fulfilled ; the intention was to arrive in XXXX New York and instead at the end of the transaction I found myself exactly where I began with three days lost and out {$530.00}. Over the course of the month of XXXX and XXXX, I had several phone calls XXXX XXXX in order to rectify the situation. They promised they would make the whole. Needless to say, they did not. Consequence to this I filed a dispute with Chase due to the dishonesty on XXXX XXXX part. Despite filing this dispute with Chase, they were unable to successfully make a case. Indeed, this case fell through in part due to negligence on Chase 's behalf as well. This is because the case was filed as a " billing problem '' as opposed to what it is, breach of contract. As it stands now, Chase has made me an offer of {$100.00} as a courtesy credit and XXXX XXXX has given me {$50.00} as travel credit. I have rejected both offers as they are, in a way, fundamentally insulting to the premise of the case. Indeed, the tactics of XXXX XXXX and Chase are so underhanded that they have rebilled me for the entire {$530.00} after temporarily conceding {$170.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint pursuant to the Fair Credit Reporting Act 605B ( 15 U.S.C. 1681c-2 ), requesting that you block and permanently remove the following fraudulent and inaccurate items from my credit report within four ( 4 ) business days, as required by federal law : XXXX ( Miscellaneous ) XX/XX/2025 XXXXXXXX XXXX ( Finance XXXX XX/XX/2025 XXXX ( Finance ) XX/XX/2025, and XX/XX/2025 I had no knowledge of these accounts or inquiries until long after they were created. These items are the direct result of identity theft, and they do not reflect my personal financial behavior or responsibility. 

To support my request, I have attached a copy of my official FTC Identity Theft Report ( Report XXXX XXXXXXXX ), which includes my signed declaration under penalty of perjury confirming that I am a verified victim of identity theft. 

I respectfully request that TransUnion take all necessary actions to block and permanently delete the above-listed accounts, inquiries, and any related information from my credit profile, in accordance with your legal obligations under the FCRA. 

Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NV

Complaint narrative:
I am filing this complaint to notify you that I have been a victim of identity theft. As per FCRA Section 605B regarding Credit Reporting Agencies, I must report this to the Federal Trade Commission or visit FTC.gov to file an official report. I understand that you are required to investigate any items listed on an identity theft report. Attached are the relevant documents to support the investigation into the inaccurate information reported on my credit file, including a list of items that do not belong to me or were initiated without my consent. 
XXXX XXXX XXXX Balance : {$9300.00} 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 2025-07-19 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:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the
regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-07-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Sunbit, Inc.
State: TX

Complaint narrative:
I financed XXXX through Sunbit in XX/XX/XXXX while working at XXXX XXXX XXXX. In XX/XX/XXXX, a XXXX from that office came to my home in the middle of the night and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This threat was recorded on video and is now part of an active criminal investigation. Law enforcement has instructed me to maintain strict no contact with the dental office. 

I submitted a formal dispute to Sunbit explaining that I can no longer return to the dental office for continued treatment due to this violent threat. I provided all necessary details and requested that Sunbit halt billing, flag the account as disputed, and direct financial liability to the provider. 

Instead, Sunbit closed the dispute without any formal resolution. Their only response was to tell me to " reach out to the merchant, '' which directly contradicts police orders and puts me at risk. I followed up multiple times and was dismissed. Sunbit failed to properly investigate the dispute or provide any meaningful communication or support. 

This situation involves safety, criminal charges, and serious negligence. I am now filing this complaint because Sunbits handling of the matter has been unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Trans union fail to provide accurate information on my credit report. Trans union fail to provide investigation report. Trans union continued to put inaccurate information on my report after several disputes.violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

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 2025-07-18 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: SC

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
Dear XXXX  I am writing to demand the immediate removal of a falsely reported item on my credit report. I have previously disputed this account, and your response stated it was verified. However, I am informing you again that this account is being inaccurately reported, and I am demanding its removal as required by the Fair Credit Reporting Act ( FCRA ), Section 611 [ 15 U.S.C. 1681i ]. 

The disputed item is as follows : Creditor Name : LVNV FUNDING LLC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Issue : Fraudulent account Despite my prior dispute, you failed to provide actual documentation validating the accuracy of this account. A vague claim of " verification '' without concrete proof is not legally sufficient. Under FCRA, you are obligated to remove unverifiable or inaccurate information from my credit file. 

I am requesting : The full removal of this account from my credit report immediately. 

A written confirmation of the deletion. 

The method and source used during the so-called verification. 

If this item is not deleted within the 30-day timeframe allowed by law, I will file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ) , and consider seeking legal counsel for damages related to negligent or willful noncompliance. 

Attached are supporting documents for your reference. 

This is my final attempt to resolve this matter directly. I expect prompt action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Winklevoss Exchange LLC
State: NC

Complaint narrative:
I made a payment of {$2000.00} to my Gemini Credit Card on XX/XX/year>. Gemini confirmed the payment was applied to my balance immediately. On XX/XX/year>, I received emails stating my available credit would be updated in 1 day. On XX/XX/year>, I received an automated message stating my available credit would be updated in 0 days, implying same-day release. 

As of XXXX XX/XX/year>, my available credit has still not updated. I called Gemini on XX/XX/XXXX and was told my payment is under review and would not post until XX/XX/year>, which is inconsistent with their own communications. I was also told it would be escalated to another team that I would receive an email with updates, and I have not received any such email. 

This delay is unreasonable and misleading. I want the credit applied immediately and for Gemini to address why they misrepresented the processing timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
My credit report reflects an account that was opened without my knowledge or consent. I did not authorize this account, and it is affecting my credit standing unfairly.

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 2025-07-19 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:
I am deeply troubled by the late payment reflected on my account, as I have always made timely payments. This error is causing unnecessary XXXX, and I kindly request its immediate removal to accurately reflect my payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX. ) To Whom It May Concern, I am formally disputing the information being reported on my credit file regarding the following account : Creditor : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX 

Account Number ( last four ) : XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} Reporting Agencies : XXXX XXXX, Equifax After reviewing this tradeline, I have identified several serious inconsistencies and legal violations under the Fair Credit Reporting Act ( FCRA ). These discrepancies are outlined below and require your immediate attention. 

Summary of Violations : Conflicting Account Type and Terms Violation : FCRA 1681e ( b ) Details : Experian reports this as an Installment account with a XXXXmonth term, while XXXX XXXX XXXX list it as an Open Account. This misclassification affects credit scoring and misrepresents the nature of the debt. 

Inconsistent " Date Last Active '' Violation : FCRA 1681e ( b ) Details : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, whereas Experian shows XX/XX/XXXX. This disparity suggests incorrect or manipulated data.

Potential Re-Aging of Debt Violation : FCRA 1681c ( a ) ( 4 ) Details : The reporting of recent activity in XXXX when the account opened in early XXXX, without any confirmed payment activity, appears to illegally extend the life of the negative account on my credit file. 

Missing Date of Last Payment Violation : FCRA 1681i ( a ) ( 5 ) Details : None of the credit bureaus list a last payment date, making the information incomplete and unverifiable. 

Inconsistent and Confusing Comments Violation : FCRA 1681e ( b ) Details : Each bureau reports different comments for the same account. One states Placed for collection, another references a legal process, and a third says Collection Account. This inconsistency misleads lenders and credit scoring systems. 

These reporting errors are harming my creditworthiness and causing unjust consequences. I am asserting my rights under the FCRA and demanding that the reporting bureaus take immediate corrective action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is my formal written request for you to investigate the following UNVERIFIED accounts listed below. According to the Fair Credit Reporting Act, 15 U.S. C 1681 your company is required by federal law to verify through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report to assure maximum accuracy. 
I demand to see a copy of the Verifiable Proof ( an original Consumer Contract with my signature on it ) that you used to verify that the account belonged to me the first time you reported the account on my credit report. Your failure to properly verify these accounts has hurt my ability to obtain credit. Under the FCRA 15 U.S.C 1681 unverified accounts must be promptly deleted.

Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

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

Company response to consumer: Closed with explanation