vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: CBC Companies, Inc.
State: WI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Email : XXXX phone # ( XXXX ) XXXX XX/XX/XXXX Experian P.O. XXXX XXXX XXXX, TX XXXX Re : Request for Method of Investigation for Dispute under 15 U.S.C. 1681 ( i ) Dear Experian, I am writing in reference to my recent dispute submitted to Experian regarding [ XXXX XXXX XXXX XXXX opened XX/XX/XXXX balance {$21000.00} account # XXXX and XXXX XXXX XXXX opened XX/XX/XXXX balance {$11000.00} account # XXXX ]. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681 ( i ), I am entitled to a detailed explanation of the method by which you investigated my dispute. 

To date, I have not received any clear documentation or information outlining the specific steps you took in verifying the accuracy of the disputed item ( XXXX ) or the procedures followed during your investigation. As per the law, I request that you provide the following : The method and procedures you used to investigate the dispute. 

Any evidence or documentation that supports your determination that the information was verified as accurate. 

The contact information of the parties involved in the investigation ( if applicable ). 

Failure to comply with the statutory requirements of 15 U.S.C. 1681 ( i ) is a violation of the Fair Credit Reporting Act. If you can not provide this information, I expect the disputed item ( s ) to be permanently removed from my credit report. 

Please respond within the time frame required by law, which is typically within 30 days from the date of my original dispute submission. 

Thank you for your immediate attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: DC

Complaint narrative:
There are fraudulent collections from XXXX XXXX XXXX on my credit report. This is not my debt. I do not have any rental collections on my credit. I am a victim of identity theft and have an Identity Theft Report and Police Report. See attached documents. I request to remove these fraudulent collections from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-09-25 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:
This correspondence serves as my formal dispute of the late payment currently shown on my credit file. This reporting is incorrect and conflicts with my verifiable record of timely payments. Such an error not only undermines my financial credibility but also causes undue harm to my 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 2025-09-25 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 am disputing a late payment reported on my account. My payment history confirms that all payments were made timely. The reported entry is inaccurate and is causing undue harm to my creditworthiness.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: UT

Complaint narrative:
The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately XXXX  % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments. 

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. This account is reporting inaccurately. Please verify full compliance with FCRA 611 and Metro 2 standards. If not verifiable, delete immediately. I also have police and ftc reports on the account and my credit profile thats why I have it froze. I started off paying for something I wasnt aware of until I realized it can be disputed with my ftc reports listed below.

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 2025-09-25 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Request for Blocking of Fraudulent Information under FCRA, 15 U.S.C. 1681c-2 Dear CFPB, I am writing to dispute and request the blocking of fraudulent information appearing on my credit report, pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ). 

The following account does not belong to me and is the result of identity theft : * Account Name XXXX XXXX XXXX Account Number XXXX XXXX XXXXXXXX In accordance with 1681c-2, I request that you block the reporting of this information from my credit file so it will no longer appear in my credit history. 
Enclosed are the following supporting documents, as required by law : XXXX. A copy of my government-issued photo ID XXXX. A copy of a utility bill or other proof of residence XXXX. A copy of my FTC Identity Theft Report and/or police report Please investigate and confirm removal of this fraudulent account from my credit file. Once the information has been blocked, kindly provide me with written confirmation. 
If you require further information from me, please contact me in writing at the address listed above. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-09-25 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 formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least XXXX days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard XXXX not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint pursuant to the Fair Credit Reporting Act, 15 U.S.C. 1681 et seq., concerning the inaccurate information I have discovered on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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 am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX I received a statement for that month stating I owed a XXXX $ fee. 

I contacted them 3 times, each time they stated it was a late fee. 

Then I would state how do I owe a late fee when XXXX is the month I returned from a XXXX  month skip a payment. 

( In XX/XX/XXXX I took a XXXX month skip a payment that they approved for XXXX and XXXX, and part of the conditions was my account had to be up to date ) My account was up to date with no late fees as of XX/XX/XXXX. 


During the 3 time I called they are stating late fees from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX which late fees were already paid before I took my skip a payments in XXXX. 


Every three times I called they stated I am right and they will have someone look into it and adjust it. Now here we are in XXXX almost XXXX and my account is still saying I owe late fees, now in the amount of XXXX XXXX 


XXXX.. signed a agreement for skip a month paid all dues prior to XXXX XXXX.signed a agreement for skip a month XXXX payment was made on time XXXX payment was made on time

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CL Holdings LLC
State: IA

Complaint narrative:
Threatened to sue for debt not owed Re-aged old debt as new

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
So I opened up a Charles Schwab account on XX/XX/XXXX it got funded by my job on the XXXX. As Im using the app my account got locked. I called up and everything they said fraud but cant be because Im using money that was direct deposited in my account from work. They told me I had to verify myself, I went to a branch with my pay stub and my Id. Its now going on almost XXXX weeks but Ive to hear why it was locked and a timeline of when it will be free. They keep saying they can only email that fraud department they cant call. I need my funds freed up cause I need that lil to pay rent and all

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: DE

Complaint narrative:
My Chase XXXX XXXX XXXX account ending in XXXX is being inaccurately reported to the credit bureaus. My credit report currently shows a XXXX late in XX/XX/2025 and a XXXX late in XX/XX/2025. This is incorrect. 
On XX/XX/2025, Chase confirmed in writing that I had scheduled payments in advance for XXXX, XXXX, and XXXX. Although the XX/XX/XXXX payment did not fund, I corrected this promptly. In XX/XX/2025, I made XXXX substantial payments ( {$1100.00} on XX/XX/XXXX and {$4600.00} on XX/XX/XXXX ) that more than covered the past-due XXXX balance and the XXXX minimum due. 
Despite this, Chase escalated the account to 60 days late in XXXX. This is inaccurate, since the XXXX payments should have brought the account current. At most, my account should reflect a single XXXX late in XXXX. 
This error is causing severe and immediate harm. It is preventing me from applying for a mortgage that my family urgently needs in order to relocate. This jeopardizes our housing and financial stability. 
I request that Chase be required to correct this reporting by removing the inaccurate XXXX XXXX late and updating my credit file to accurately reflect my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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:
Deletion Demand Letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested. 

To : XXXX XXXX XXXX XXXX Attn : Executive Customer Relations XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX CC : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute XXXX XXXX XXXX XXXX Account # XXXX. 

Dear Sir or Madam, This letter serves as a formal dispute and demand for correction of inaccurate credit reporting concerning the above-referenced account. 

XXXX XXXX XXXX XXXXXXXX is currently reporting a balance owed on an account that has been charged off. This reporting is false, misleading, and in violation of federal law. 

Truth in Lending Act 15 U.S.C. 1601.

Congress declared the purpose of TILA is to protect consumers against inaccurate and unfair credit billing and credit card practices. Reporting a balance due on a charged-off account is precisely the type of inaccurate billing practice the law was intended to prevent.

Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ). 
As a furnisher of credit information, XXXX has a duty to report complete and accurate information. Federal regulators ( FDIC, OCC, CFPB ) have clarified that once an account has been charged off, it must be reported with a XXXX balance because the debt is no longer collectible as an open account. Continuing to report a balance after charge-off is inherently misleading and violates FCRA obligations. 

Consumer Harm. 
This inaccurate reporting has caused and continues to cause damage to my creditworthiness, the denial of safe housing opportunities, higher interest costs, and emotional distress. 

Demand I hereby demand that XXXX XXXX XXXX XXXXXXXX and the consumer reporting agencies : Immediately correct the reporting of the subject account to reflect a XXXX balance, OR Permanently delete the account from my credit file. 

If this matter is not corrected within the time allowed under the FCRA ( 30 days from receipt of this dispute ), I will pursue all available legal remedies in federal court, including claims for statutory damages, actual damages, attorneys fees, and court costs. 


Sincerely, _________________________ 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 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Deletion Demand Letter. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Date : XX/XX/XXXX Via Certified Mail Return Receipt Requested. 

To : XXXX XXXX XXXX XXXX Attn : Executive Customer Relations XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX CC : Experian XXXX XXXX XXXX XXXX, TX XXXX Equifax Information Services, LLC XXXX. XXXX XXXX XXXX, GA XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Re : Formal Dispute XXXX XXXX XXXX XXXX Account # XXXX. 

Dear Sir or Madam, This letter serves as a formal dispute and demand for correction of inaccurate credit reporting concerning the above-referenced account. 

XXXX XXXX XXXX XXXXXXXX is currently reporting a balance owed on an account that has been charged off. This reporting is false, misleading, and in violation of federal law. 

Truth in Lending Act 15 U.S.C. 1601.

Congress declared the purpose of TILA is to protect consumers against inaccurate and unfair credit billing and credit card practices. Reporting a balance due on a charged-off account is precisely the type of inaccurate billing practice the law was intended to prevent.

Fair Credit Reporting Act 15 U.S.C. 1681s-2 ( a ). 
As a furnisher of credit information, XXXX has a duty to report complete and accurate information. Federal regulators ( FDIC, OCC, CFPB ) have clarified that once an account has been charged off, it must be reported with a XXXX balance because the debt is no longer collectible as an open account. Continuing to report a balance after charge-off is inherently misleading and violates FCRA obligations. 

Consumer Harm. 
This inaccurate reporting has caused and continues to cause damage to my creditworthiness, the denial of safe housing opportunities, higher interest costs, and emotional distress. 

Demand I hereby demand that XXXX XXXX XXXX XXXXXXXX and the consumer reporting agencies : Immediately correct the reporting of the subject account to reflect a XXXX balance, OR Permanently delete the account from my credit file. 

If this matter is not corrected within the time allowed under the FCRA ( 30 days from receipt of this dispute ), I will pursue all available legal remedies in federal court, including claims for statutory damages, actual damages, attorneys fees, and court costs. 


Sincerely, _________________________ XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I previously had a paid account with Experian for $ XXXX. I canceled that and opted for the free membership. Now I am unable to view my free information. When I log in both on the website and the app it takes me to a page asking me to put in updated payment information. There are no links and there is no opt out option. It's like they're holding my credit information XXXX until I pay them again. Is this legal?

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