vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Ph : XXXX Date : XXXX Re : Dispute of Inaccurate Credit Information Dear Consumer Financial Protection Bureau I am writing to dispute inaccurate information in my credit report. My report includes a late payments on reported on XXXX in the following accounts : Creditor : [ Amex ] American Express Account Number XXXX XXXX Date of Alleged Late Payment : [ XXXX and XXXX, XXXX ] Account Number : XXXX Date of Alleged Late Payment : [ XXXX, XXXX ] I made those payment on time, however the payments arrived late without my acknowledge. I respectfully request that this inaccurate information be investigated and corrected in my credit report. Also there are discrepancy in the three credit bureau Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NJ

Complaint narrative:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I reached out to Target Card services on multiple occasions to request historical statements to confirm their claim of late payments on my credit account. Each time I'm told that these statements will be mailed to me and I have yet to receive this information. I believe that Target Card Services holds inaccurate information as to the amounts and dates of payments that are being furnished to the credit bureaus. I have tried disputing this information with the credit bureaus directly to no avail. Target has refused to provide the necessary information to validate the information found on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Office of Michael J. Scott, PC
State: PA

Complaint narrative:
On XXXX XXXX XXXX I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX XXXX. In which the CFPB marked the case Closed with non-monetary relief. Now, Scott & Associates, a third-party debt collector, is trying to collect that same ( invalid/fraudulent ) debt possibly even after XXXX passed it to them in the amount of XXXX. This is unfair under the Fair Debt Collection Practices Act ( FDCPA ) and It is illegal to attempt to collect a debt after the consumer has disputed it and it has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I submitted a dispute with Experian on XX/XX/XXXX. I am filing a complaint against Experian for failing to remove late payment notations that violate both the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and the federal CARES Act. These historical late payments do not reflect my current behavior or risk profile, and continuing to report them causes unjustified long-term harm to my creditworthiness. 

The XXXX account in question shows late payments from XX/XX/XXXX and XX/XX/XXXX, during a period of documented COVID-related hardship. Under the CARES Act, creditors were expected to offer relief and avoid negative reporting when consumers were affected by the pandemic. Despite this, XXXX reported delinquencies without accommodation, and Experian continues to reflect these late marks despite the loan being paid in full. 

This is a clear violation of FCRA 607 ( b ), which requires that information furnished to credit bureaus be both accurate and contextually fair. It also defeats the spirit of the CARES Act, which was designed to protect consumers during a global crisis, not penalize them years later. 


I respectfully request that the CFPB : Investigate this matter in light of FCRA and CARES Act violations. 

Direct XXXX and Experian to remove the XX/XX/XXXX and XX/XX/XXXX late payments. 

Enforce accountability around the treatment of pandemic-era financial hardship, especially when the consumer has demonstrated subsequent repayment and financial responsibility.

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 2025-07-07 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 am writing to dispute a collection account that has been reported to my credit file. After requesting validation of this account, I received no substantive documentation confirming that I owe the debt or that it is accurate. 
According to federal regulations, you may not continue to report this account without complete and accurate verification. This is a clear violation of the Fair Credit Reporting Act.

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 2025-07-07 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: IN

Complaint narrative:
I am submitting this complaint because my credit report was accessed and/or shared without my knowledge or written consent, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I did not authorize any inquiry or furnish any written instruction that would permit the release of my consumer report. I have already contacted Equifax, Experian, and TransUnion with formal dispute letters and am now requesting a full investigation by the CFPB into this unauthorized access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: ProCollect, Inc.
State: FL

Complaint narrative:
On XX/XX/year>, I discovered a collection account from ProCollect on my XXXX credit report. This debt does not belong to me. It is connected to an apartment I have never applied for, rented, or lived in. 

I have been at my current address for over eight years. I visited the apartment complex tied to this collection in person, and they confirmed they have no record of me in their system. They stated the application was completed online, which leads me to believe someone used my identity without my knowledge or permission. 

I reviewed my credit reports and there is no inquiry from this apartment complex or any leasing company around the time this alleged application occurred. This further proves that I did not apply for or authorize any housing application tied to this collection. I never gave consent for my credit to be run by this apartment or by ProCollect. 

I contacted ProCollect by phone, and the representative was extremely rude and dismissive. I was not given any information or validation of the debt. Instead, I was told to go file a police report and the call ended with no resolution. I have not received anything in writing from them. 

Ive already filed a formal Identity Theft Report with the FTC, submitted disputes to all three credit bureaus under FCRA Section 605B, and am requesting that this account be removed entirely. 

This fraudulent collection is harming my credit and affecting my ability to secure housing. I am requesting a full investigation and permanent deletion of this account from 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 2025-07-07 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: GA

Complaint narrative:
There are several inaccuracies on my report that i have disputed

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Torres Credit Services, Inc.
State: FL

Complaint narrative:
Torres Credit Services Collection for XXXX XXXX Reported by : XXXX Balance : {$400.00} Original Creditor : XXXX XXXX Date Opened : XX/XX/XXXX Last Updated : XX/XX/XXXX Reason for Dispute : Incomplete & Unverifiable Debt I am disputing the Torres Credit Services collection account for XXXX XXXX. This account lacks adequate verification and does not include the original agreement, breakdown of charges, or proof of notice per FDCPA 15 U.S.C. 1692g.

Reporting this account without full and accurate verification violates FCRA 1681e ( b ) and 1681i. Additionally, if no debt validation was sent prior to reporting, this may also constitute a violation under FDCPA 1692e ( 8 ). I demand immediate removal unless full substantiation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: PA

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft that should be blocked, Company or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$510.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$530.00} Credit Card Opened by the XXXX XXXX or Organization : XXXX XXXX XXXX Account Number : XXXX Date fraud began : XX/XX/XXXX Date that I discovered it : XX/XX/XXXX Total fraudulent amount : {$63.00} Fraudulent Mobile Phone Account Company or Organization : the company Fraudulent Information on Credit Reports Accounts or Charges Yes, fraudulent accounts or charges appear on my credit report Credit Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.

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 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: KY

Complaint narrative:
I filed a fraud claim with Navy Federal Credit Union on XX/XX/year>, for four unauthorized debit card transactions totaling {$210.00} on my debit card ending in XXXX. These included : {$110.00} XXXX XXXX ( XXXX, KY ) {$55.00} XXXX XXXX XXXX {$23.00} XXXX XXXX XXXXXXXX {$23.00XXXX XXXX XXXX XXXXXXXX I was physically outside the United States at the time of these charges, and I submitted flight documentation to Navy Federal showing I was in XXXX and could not have made these transactions. 

Despite this, Navy Federal has not issued provisional credit, nor confirmed that my claim has been assigned to an investigator. It is now 5 business days since the claim was filed, and I have received only an email accusing me of filing suspicious claims and threatening to revoke my debit card privileges for 3 years. 

I have held this account for years and submitted valid fraud claims in the past, all in good faith. Those prior claims were credited within 1 business day.

This feels like retaliation and an attempt to avoid compliance with Regulation E ( 12 CFR 1005.11 ), which requires provisional credit within 10 business days unless a narrow exemption applies. None of those exemptions apply here.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I am a victim of a scam that was initiated on Thursday, XX/XX/XXXX after I received a text fraud alert from XXXX XXXX XXXX XXXX and immediately received a call shortly thereafter. After a series of three phone calls lasting about two hours each and when I didn't receive a promised call for three appointed times, I had no choice to realize I had been scammed. Once I realized this, I started contacting all my banks, credit cards, etc., needing to change accounts and have new cards issued. Almost all of them have been fairly helpful, except PayPal, who are requiring me to send the pictures of my driver 's license and a photo from my phone, but my phone will not allow me to do this and therefore the process is going to take much longer as they said it can only be done by regular mail. Not even email. So, they are extremely unhelpful and uncooperative

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 2025-07-07 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: AR

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
i see where 3 credit cards were open in my name and the dates shown are XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. this is all bank credit cards for JPMCB card. I dont even know what this is but its affecting my score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-07 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: MD

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 2025-07-07 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: IN

Complaint narrative:
I am submitting this complaint because my credit report was accessed and/or shared without my knowledge or written consent, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I did not authorize any inquiry or furnish any written instruction that would permit the release of my consumer report. I have already contacted Equifax, Experian, and TransUnion with formal dispute letters and am now requesting a full investigation by the CFPB into this unauthorized access.

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 2025-07-07 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: IN

Complaint narrative:
I am submitting this complaint because my credit report was accessed and/or shared without my knowledge or written consent, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681b ). I did not authorize any inquiry or furnish any written instruction that would permit the release of my consumer report. I have already contacted Equifax, Experian, and TransUnion with formal dispute letters and am now requesting a full investigation by the CFPB into this unauthorized access.

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 2025-07-07 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:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian, Equifax, and TransUnion Credit Bureaus. Now, I appreciate that some of the items have been removed, but there are still remaining items that were opened without my permission. Therefore, I am requesting once again for the removal of these remaining items. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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