vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Army and Air Force Exchange Service
State: KY

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, to formally dispute 11 late payments reported on my MILITARY STAR account. I request that you verify each late mark from XXXX to XXXX, including XXXX, XXXX, XXXX, XXXX, and XXXX. 

If verification can not be completed with supporting documentation from the original creditor, the late payments must be removed und

er 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). Please provide a written response within 30 days per FCRA requirements. 

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 explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
Subject : XXXX  XXXX Account # XXXX Amount {$5700.00} Request for Account Information and Form 1099-C Dear Consumer Financial Protection Bureau, I am writing regarding an account listed on my credit report. Please note that I am not disputing the amount owed. However, I am requesting specific information to ensure the accuracy and completeness of the records associated with this account. 

I respectfully request the following : The date of first delinquency The date of last payment The date the account was charged off A copy of Form 1099-C Your assistance in providing this information would be greatly appreciated. Please let me know if any further documentation is required in order to process my request. 

Thank you for your time and attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Subject : XXXX  XXXX Account # XXXX Amount {$5700.00} Request for Account Information and Form 1099-C Dear Consumer Financial Protection Bureau, I am writing regarding an account listed on my credit report. Please note that I am not disputing the amount owed. However, I am requesting specific information to ensure the accuracy and completeness of the records associated with this account. 

I respectfully request the following : The date of first delinquency The date of last payment The date the account was charged off A copy of Form 1099-C Your assistance in providing this information would be greatly appreciated. Please let me know if any further documentation is required in order to process my request. 

Thank you for your time and attention.

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 2025-07-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I made a negotiation with the bank to make 3 payments and I made the payments. And I saw a problem with the second payment and I personally went to pay and deposited I also made the last payment and it was for the bank to have closed the account and they so far have not closed the debt and are running interest and I have already called to try to solve it and they just want to help me

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 2025-07-17 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX management balance {$690.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX balance balance {$1200.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX balance {$1300.00}, XXXX XXXX BALANCE {$4700.00}, XXXX XXXX balance {$3000.00}, XXXX balance {$750.00}, XXXX balance {$0.00}. XXXX XXXX balance {$15000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX management balance {$690.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX balance balance {$1200.00}, XXXX XXXX XXXX balance {$1100.00}, XXXX XXXX XXXX balance {$1300.00}, XXXX XXXX BALANCE {$4700.00}, XXXX XXXX balance {$3000.00}, XXXX balance {$750.00}, XXXX balance {$0.00}. XXXX XXXX balance {$15000.00}.

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 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed 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 2025-07-17 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: VA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/2022 -- {$4100.00}

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 2025-07-17 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:
The appearance of unauthorized hard inquiries on my credit report is a serious violation of my privacy and financial security. I did not authorize these credit pulls and strongly suspect fraudulent activity.

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 2025-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had opened a Citibank account in XXXX. It was open for more then 6 months. I made a few transactions one day and then i could not make anymore transactions. The next day citibank told me they were closing my account in XX/XX/XXXX due to banking history ( made no sense ). Later maybe a year later in XX/XX/XXXX i opened another checking account, and it was open for 3 days. I deposited {$1000.00} into that account and immediately after citibank closed the account and held my money for 2 whole months. After trying to re-open the account after receiving my money back after full account closure, citibank rejects my applications and reason is just banking history with citibank. 
I just tried to recent apply 2 weeks ago and i was rejected with the same reason.

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 2025-07-17 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: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-07-17 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: IL

Complaint narrative:
The personal details on my credit report contain errors, particularly with old or incorrect addresses that need to be taken off immediately. Ive included the appropriate documentation to support these changes, and I am requesting that these be removed from my credit profile as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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 respectfully request your assistance in correcting an inaccurate late payment reported on my credit file. I have reviewed my financial records, and I am confident that I made all payments on time for the referenced account. This entry appears to be an error and does not reflect my long-standing history of responsible payment behavior.

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 2025-07-17 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: NY

Complaint narrative:
I am requesting your assistance in initiating an investigation into these accounts, as they are being inaccurately reported on my credit file. Under USC 1681g, I am formally requesting that they be removed within 15 days. All necessary supporting documents have been included for your review. Furthermore, the information reported varies and contains discrepancies across the major credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the late payment that has been listed on my credit report for the account associated with me. Based on my records, I firmly believe this entry is inaccurate and does not align with my actual payment history. According to the Fair Credit Reporting Act ( FCRA ), all furnished information must be complete and accurate. This late payment appears to be a reporting oversight or processing delay, which unfairly impacts my financial standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
The companies Transworld system IncXXXX XXXX XXXX security services. Was notified by my attorney that I filed bankruptcy XXXX XXXX this debt was included in my case. Bankruptcy case was discharged. This company is still not adhering to the written notifications. This company is still trying f to collect debt from me refuse to take it off my credit after more then several attempts of notifying them in writing by attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Receivables, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX and XXXX are attempting to collect a debt based on a contract I never knowingly entered. I was not shown any contract at the time of signing, nor were any terms explained. I believed I was signing a standard check-in. The contract was only provided afterward, which violates XXXX XXXX provisions requiring informed consent. Payments were made under the false impression they were for trial services. The debt was reported to credit bureaus even after I submitted a formal disputean action that contradicts FCRA requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MS

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 
information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-07-17 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: AZ

Complaint narrative:
I am writing to dispute a fraudulent collection account listed under my name. I have reason to believe that my personal information has been misused or compromised, resulting in the erroneous reporting of this debt.

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 2025-07-17 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: MD

Complaint narrative:
I have identified serious billing errors under XXXX U.S. CXXXX XXXX ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Most recent payment was applied incorrectly. Account has been updated and shows no payment is due at this time. Credit report does not reflect current account status. Next payment due is XX/XX/year>. 

XXXX not applied to installment accounts to protect my rights as a service member.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: GA

Complaint narrative:
Most recent payment was applied incorrectly. Account has been updated and shows no payment is due at this time. Credit report does not reflect current account status. Next payment due is XX/XX/year>. 

XXXX not applied to installment accounts to protect my rights as a service member.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
I am filing this complaint regarding an unauthorized and inaccurate collection account being reported on my credit report by Equifax. I previously submitted a formal cease-and-desist request to the debt collector under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( c ), which legally requires them to stop all communication with me. Despite this request, the collector continues to report this account to the credit bureauan action that not only violates my cease-and-desist rights but also continues to harm my credit standing. This ongoing reporting constitutes indirect communication and is having a negative impact on my credit profile and overall financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
I am writing to dispute unauthorized hard inquiries on my credit report. I did not apply for any credit nor authorize any third party to pull my report during the periods listed.

Company response to consumer: Closed with non-monetary relief