vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
the U.S. Department of Education issued me an official discharge letter under the Borrower Defense to Repayment program. This letter states that my federal student loans were fully discharged and that I no longer owe a balance.

Despite this, as of XX/XX/2025 my credit report still shows : Dept. of ED / XXXX  reporting as Open with a balance of {$30000.00} and {$800.00} past due. 

XXXX  showing as a closed account but still tied to my loan history I contacted the companies and disputed the reporting. I also sent a cease and desist/dispute/deletion demand letter citing the FDCPA and FCRA, along with a copy of my U.S. Department of Education discharge letter . These debts are no longer legally valid, yet the companies continue to report them inaccurately.

This violates federal law, including : FDCPA : continued collection activity and failure to validate a discharged debt.

FCRA : furnishing and failing to correct inaccurate information, despite receiving proof of discharge.

Relief Requested : 1. Immediate deletion or correction of all reporting related to these accounts.

2. Update records to reflect a {$0.00} balance and notation of Discharged by U.S. Department of Education
Borrower Defense to Repayment.

3. Written confirmation of compliance.

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 2025-08-23 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 5 ) ( B ), in connection with the handling of a bankruptcy record on my credit report.

On XXXX XXXX  Equifax removed a bankruptcy entry from my credit file after deeming it unverifiable. This deletion was consistent with FCRA requirements. However, on XX/XX/year>, Equifax reinserted the same bankruptcy record without providing any notice, documentation, or certification from the original furnisher verifying its accuracy and completeness. 
This reinsertion is a clear violation of FCRA 1681i ( a ) ( 5 ) ( B ), which states : A consumer reporting agency may not reinsert the information into a consumers file unless the furnisher of the information certifies that the information is complete and accurate. The agency must also notify the consumer within 5 business days of the reinsertion.

Equifax failed to : Provide written notice of the reinsertion within the required 5 business days.

Supply any certification from the furnisher confirming the bankruptcy records accuracy.

Justify the reinsertion with any supporting documentation. 
The fact that Equifax initially deemed the bankruptcy unverifiable and removed it, only to reinsert it two days later without following the legally mandated procedures, is not only negligent but also damaging to my credit profile and financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
My son is an authorized user on my Capital One account for 2 years. Since he just turned XXXX we were finally able to review his credit score, and Capital One has not reported any scores ( as they confirmed they would perform when I added him to my account ). I contacted Capital One for the following information : 1. When I asked if my son 's info was reported last 2 years to verify Capital One was reporting his payments, they refused to confirm and stated policy is to report 2-3 business days after end of statement, " around XX/XX/XXXX or XXXX ''. Would not specifically disclose if his was reported ( my account as primary account holder was reported and I wanted to know if they also reported his ) 2. I requested info why my sons was not being reported by Capital One as they originally informed to me they do report to bureaus when I added him to my account. They would not disclose and advised me to ask the credit bureaus. They offered for him to make a payment though.

3. I requested general policy information vs specific confidential reporting information : Do they report authorized users to credit bureaus? They refused to tell me this information ( XXXX  # XXXX ). 

Capital One should inform consumers if authorized users are reported to credit bureaus, or at least accurately inform consumers when they sign up for a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Avant Holding Company, Inc.
State: NE

Complaint narrative:
I went through a bad spot in my life with child health issues. Since then I had paid up all of my credit cards that were behind and charged off. Avant- is showing my account closed but reporting I have missed payments last year of XXXX. The account was closed back in XXXX. I paid them off! They are impacting my credit making it very difficult for me to stay on the current track of improving and increasing due to showing XXXX late payments last year XXXX. Nothing seems to change. Avant- credit card is running my credit when its long been paid off and closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am writing regarding ongoing and willful violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) tied to my Capital One tradelines and associated reporting activity.

Platinum : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite multiple certified disputes ( XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX  and subsequent correspondence ), Capital One has : Suppressed a longstanding positive tradeline without authorization ( FCRA 623 ( a ) ( 1 ) ( A ) ).

Reported inflated high balances and

unverifiable utilization data ( FCRA 607 ( b ) ). Continued furnishing disputed, inaccurate information after certified notice ( FCRA 623 ( a ) ( 3 ) ; 611 ). 
Participated in retaliatory reporting suppression during an open federal investigation ( FCRA 1022.42 ; CFPB Supervisory Guidance ). 

These actions are part of a broader pattern of deceptive and retaliatory conduct causing measurable damages to my personal and business credit, funding denials, and financial harm. Evidence is already organized into labeled XXXX ( XXXX ) and filed with CFPB and the Texas AG.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: TN

Complaint narrative:
The late payments reported on my TDRCS / XXXX XXXX XXXX account are inaccurate and/or unverified. These negative notations are damaging my credit and do not reflect an accurate history. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ( a ) ), furnishers are required to provide only complete and accurate information. Reporting unverified or incorrect late payments is a violation of this requirement. I am requesting that these late payments be investigated, validated with documentation, and removed or corrected to ensure the accuracy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1881i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) 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 shalli ) 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. 
Please remove the following items from my credit report, immediately :

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 2025-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Chase reduced my credit limit from approximately {$16000.00} to {$2000.00} without informing me as to why, what criteria, when and by whom this action was authorized. They said a letter was sent to me informing me of this. On the day that I called, XX/XX/year>, I had not received any letter. As my credit is considered sound [ stellar? ] by any XXXX XXXX, [ XXXX, et al ] I consider this action by Chase to be un-supported, arbitrary, wrong, and harmful to my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
Someone opened up these numerous accounts under my name and I had no knowledge of or consent it was fraud.

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 2025-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Spring Oaks Capital, LLC
State: OH

Complaint narrative:
I have been receiving emails from Spring Oaks Capital , LLC since XX/XX/XXXX I have received approxmentaily XXXX messages most recent date is XX/XX/XXXX. The message states the following : " this message is from Spring Oaks Capital. LLC and is related to your Destiny Master card account, originated by XXXX XXXX XXXX, now owned by Spring Oaks Capital SPV, LLC. " They are saying that I should begin monthly payments of {$38.00} duration XXXX  months. they offered to resolve the balance if i pay XXXX, and that, " We request you review by XXXX '' .I do not know these entities and have not had any type of accounts with First Electronic Bank or Destiny Master Card company. I have not contacted them because of concerns this may be a scam. I know nothing about anything regarding these companies never ever heard of them until i start receiving these emails. I don't know it it is identity thief. Hopefully you can resolve this matter to me. Their phone number identified in the e-mails is XXXX the messages are sent by text messages and i do not know how to send text messages. If you need further information you may contact me at my email mail address : XXXX ; my cell phone : XXXX ; my home phone : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-23 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: OH

Complaint narrative:
I received an email from Experian indicating new inquiry. I could not access my account. Tried customer service could not get pass automatic system. Tried to change information continue to get error message.

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 2025-08-23 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: IL

Complaint narrative:
Inaccurate late payments have been reported on my credit file for several federal student loan accounts serviced by XXXX ( formerly XXXX XXXX ). These negative entries appeared after the federal student loan forbearance period ended, yet I was never provided proper notice that repayment was resuming. I did not receive any communication via email, phone, or postal mail regarding upcoming due dates or any changes to the deferment status of my loans. 
When I later contacted XXXX to address this issue, they confirmed that my loans were still in deferment status at the time the reported delinquencies occurred and updated my contact information accordingly. Despite this, late payments remain on my credit reports and continue to negatively impact my credit standing. 
This problem is consistent with nationwide reports of borrowers not being properly notified when the federal forbearance period ended, which the Consumer Financial Protection Bureau ( CFPB ) has acknowledged as a systemic issue.

FCRA 602 ( A ) ( 1 ) Consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. Reporting late payments during an active deferment period violates this obligation.

FCRA 607 ( b ) CRAs must follow reasonable procedures to assure accuracy. The continued reporting of inaccurate late payments despite evidence to the contrary demonstrates noncompliance.

FCRA 611 ( 15 U.S.C. 1681i ) I have the right to dispute inaccurate or incomplete information and demand a reinvestigation. Failure to correct or remove these entries after reinvestigation would violate this section.

FCRA 623 ( a ) ( 1 ) ( A ) Furnishers of information ( XXXX XXXX ) may not furnish information to CRAs if they know or have reasonable cause to believe it 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 non-monetary relief
Consumer complaint received 2025-08-23 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: IL

Complaint narrative:
Fraudulent address appeared on my report I have never resided at this address XXXX XXXX XXXX XXXX XXXX  there is also a XXXX XXXX  issued that is fraudulent and it is associated with this account please remove this information from my account thank you. 
Account number XXXX Account name : 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 2025-08-23 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: IL

Complaint narrative:
Fraudulent address appeared on my report I have never resided at this address XXXX XXXX XXXX XXXX XXXX  there is also a XXXX XXXX  issued that is fraudulent and it is associated with this account please remove this information from my account thank you. 
Account number XXXX Account name : 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
Consumer complaint received 2025-08-23 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: GA

Complaint narrative:
I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-08-24 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: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
XX/XX/year> an account was closed for a principal I was acting POA of @ Citizens Bank. The account was settled on XX/XX/year> by myself to clear up this error. They reported me as a responsible party on the account responsible for the principals debt to XXXX  and my consumer report now has anccount abuse on it for an account Im not financially responsible for. I was exclusively acting POA agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-23 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank 's lack of communication and their ill fraud protection practices significantly breached my rights as a consumer and owner of my property. 

On XX/XX/year>, I requested a wire transfer of {$220000.00} to my checking account in Citibank. The source of this was my certificate of deposit which was matured on XX/XX/year>. 

The very next day, I was not able to log in to my Citibank account and called its customer service. I found out that my account was blocked for some reasons and was told that they were not be able to disclose the reason. They told me that what I could do is only to wait until a letter from them arrives. 

Until XX/XX/year>, I had not heard anything and, therefore, I visited a local branch XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX A banker called into their customer service and told me the exact same thing. The reason could not be disclosed and I needed to wait further written communications. 

On XX/XX/year>, I received a letter from Citibank. But it simply notified me that my account was blocked and I needed to contact them, which I already did. But it was no help at all. 

On XX/XX/XXXX, XXXX, I visited the same branch and was told that there was nothing they could assist further. They recommended me to call the customer service and ask for a manager regarding my case. That's exactly what I did. I was finally able to talk to someone in the Fraud Protection Department. I found that the reason was because they were not able to verify the information of the wire transfer. I was told that it could take up to 60 days to resolve this issue and there was nothing I can do but waiting. 

They have been holding my property for XXXX for far more than a month without any proper communications. They didn't even seek any resolution for their own customer. They simply reiterated their policy. When I asked them to send me a copy of the checking account agreement, they refused it and asked me to find it online. 

I strongly believe that their outrageous business practices will hurt many of my fellow US citizens. Their ill practices must be stopped now.

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 monetary relief
Consumer complaint received 2025-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I recently just got hired on in the coal mines as a contractor the coal mines gave the contractor all my employee information I received my first payroll check on XX/XX/year> and mobile deposited it with chase bank a hold was placed till XX/XX/year> on XX/XX/year> I received a message/email that my account was restricted for fraudulent activity and that my account would be closed in XXXX  days I contacted the bank customer service on XX/XX/year> and XX/XX/year> to try to see what's going on they say they need to verify my employer wrote/signed me the payroll check therefore they called a number in there system for his company and could not verify it was his number I gave them the phone number I have for my employer they will not attempt to call it because they say it's not verified in there system my funds from my payroll check have been cleared and deposited from the issuing bank but chase will not unfreeze account due to not verify employer wrote me my check

Company response to consumer: Closed with explanation