vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Late payment entries are showing on my credit report that I believe to be inaccurate. As outlined in 15 USC 1681e ( b ) and 1681i, all information in the report must be accurate, complete, and capable of being verified. I am requesting that these late payment records be reviewed, and if they can not be confirmed, they should be corrected or deleted.

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 2025-09-18 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: FL

Complaint narrative:
I am submitting a formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 regarding inaccurate and unverified information being reported on my credit file. 
Account in Question : - Collection Agency : ConServe ( XXXX XXXX XXXX, Nature of the Dispute This collection account is inaccurate and unverifiable. I have disputed this account multiple times with the credit reporting agencies. Each time, the account has been marked verified, yet no documentary evidence or validation has ever been provided to prove that this account is accurate, complete, and legally reportable. 
Reporting agencies and furnishers are required by 15 U.S.C. 1681i ( a ) to conduct a reasonable investigation when a consumer disputes an item. A simple automated verification response from the furnisher does not meet this legal standard.

Additionally, under 15 U.S.C. 1681s-2, furnishers of information have a duty to report only accurate and verifiable information. Continuing to report an account that can not be substantiated violates this law. 
Harm Caused I became aware of this error while applying for a home mortgage. The presence of this collection account has harmed my creditworthiness and interfered with my ability to secure financing, causing financial and emotional distress. 
Demand for Action In accordance with my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, I demand the following : XXXX. Immediate deletion of the above-referenced account from my credit reports with Experian, Equifax, and TransUnion. 
XXXX. Written confirmation from both XXXX and the credit bureaus that this account has been permanently removed. 
XXXX. A full investigation conducted with supporting documentation provided to me if XXXX continues to claim this account is valid. 
Failure to comply will result in further complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, as well as consideration of legal remedies for violations of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am requesting full compliance with the law and immediate removal of this account. Please respond within the XXXX investigation period as required by the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
I am submitting a formal dispute and complaint under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681 regarding inaccurate and unverified information being reported on my credit file. 
Account in Question : - Collection Agency : ConServe ( XXXX XXXX XXXX, Nature of the Dispute This collection account is inaccurate and unverifiable. I have disputed this account multiple times with the credit reporting agencies. Each time, the account has been marked verified, yet no documentary evidence or validation has ever been provided to prove that this account is accurate, complete, and legally reportable. 
Reporting agencies and furnishers are required by 15 U.S.C. 1681i ( a ) to conduct a reasonable investigation when a consumer disputes an item. A simple automated verification response from the furnisher does not meet this legal standard.

Additionally, under 15 U.S.C. 1681s-2, furnishers of information have a duty to report only accurate and verifiable information. Continuing to report an account that can not be substantiated violates this law. 
Harm Caused I became aware of this error while applying for a home mortgage. The presence of this collection account has harmed my creditworthiness and interfered with my ability to secure financing, causing financial and emotional distress. 
Demand for Action In accordance with my rights under the Fair Credit Reporting Act, 15 U.S.C. 1681, I demand the following : XXXX. Immediate deletion of the above-referenced account from my credit reports with Experian, Equifax, and TransUnion. 
XXXX. Written confirmation from both XXXX and the credit bureaus that this account has been permanently removed. 
XXXX. A full investigation conducted with supporting documentation provided to me if XXXX continues to claim this account is valid. 
Failure to comply will result in further complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office, as well as consideration of legal remedies for violations of the FCRA. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I am requesting full compliance with the law and immediate removal of this account. Please respond within the XXXX investigation period as required by the FCRA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am disputing inaccurate and misleading reporting by Transworld Systems , Inc. This debt, originally owed to XXXX XXXX, has been placed with two different collection agencies at the same time ( Transworld Systems , Inc. and XXXX XXXX XXXX XXXX ), both showing active balances with different amounts. XXXX XXXXXXXX has acknowledged in a prior CFPB response that Transworld Systems should not be reporting this, confirming that Transworld is inaccurately reporting a debt they no longer have rights to collect.

By continuing to report this account as active, Transworld is violating the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ) by furnishing information that is not accurate or complete, and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) by misrepresenting the legal status of the debt. I request that Transworld immediately update the account to reflect a {$0.00} balance and closed/transferred status, notify all three credit bureaus, and provide me written confirmation. If they can not verify legal authority to report this account, the tradeline should be deleted entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Collection Bureau of America Ltd.
State: NY

Complaint narrative:
I visited XXXX XXXX  XXXX  a few years ago and purchased XXXX entry tickets online for me and my kids. A few months later I received a call saying that I had subscribed to a membership and had to pay over {$800.00}. I explained I was not aware of that and did not want a membership. They kept calling and threatening me that if I didnt pay the membership they were going to report me to the credit bureaus. On XX/XX/year> I saw that Bureau of America posted a {$300.00} collection on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This was submitted late and may be inaccuratecan you take a look?

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
My credit card was canceled due to missed payments when I called to verify Miss payments. I couldnt get a response. It became a charge off and my credit card was closed and it was posted as a debt collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
The balance reporting XXXX On the original account its reporting XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
As someone who consistently adheres to payment schedules, I was surprised to discover a late payment notation on my account. This appears to be an error, and I would appreciate your prompt attention to rectify it and update my records accordingly.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: VA

Complaint narrative:
XXXX XXXX advertised " fully lie-flat seats '' as part of their XXXX XXXX offering. The promotion further stated, " you can enjoy your journey even more with the special features * of XXXX XXXX seating, '' followed by the disclaimer : " * seating features may vary according to aircraft type. '' The messaging implies that " special features '' would enhance an already guaranteed fully lie-flat seat. This was a key factor in my decision to purchase the ticket for {$4600.00}. 

However, despite booking a XXXX XXXX seat, the seat provided was not fully lie-flat. It only reclined slightly, which does not meet the advertised standard. 

After I submitted a complaint on XXXX XXXXXXXX XXXX XXXXXXXX XXXX quietly revised their advertisement. The updated version now says " lie-flat '' instead of " fully lie-flat. '' I have attached a screenshot of the original advertisement as it appeared at the time of my booking and complaint.

The credit card company ( Goldman Sachs ) declined to reverse the charge, citing the airline 's " terms and conditions '', that " seating features may vary according to aircraft type. '' However, this statement ( seating features may vary according to aircraft type ) was presented as a qualifier to " enjoy your journey even more with the special features ... '' Goldman Sachs ' response thus overlooks the misleading nature of XXXX XXXX ' original advertisement that " special features '' would enhance an already guaranteed fully lie-flat seat.

The Federal Trade Commission Act ( FTC Act ) prohibits unfair or deceptive practices, including false claims in advertising. The Lanham Act ( 15 U.S.C. 1125 ( a ) ) also addresses false advertising, allowing businesses to sue competitors for misleading statements. Companies that violate these laws owe legal remedies to all their consumers and competitors for deceptive business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent information appearing across my credit reports with Experian, Equifax, and TransUnion. On my Experian report, my file shows an inaccurate name, XXXX XXXXXXXX XXXX XXXX  and an inaccurate address, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, which are not associated with me and should not appear. Experian is also reporting late open accounts with conflicting details : XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$210.00}, Date Opened XX/XX/XXXX, Date Last Active XX/XX/XXXX ) and DEPTED/XXXX  ( Acct : XXXX * * * *, Balance {$19000.00}, Date Opened XX/XX/XXXX, Last Reported XX/XX/XXXX ). On my Equifax report, a late open account is reported for XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$210.00}, Date Opened XX/XX/XXXX, Date Last Active XX/XX/XXXX ), and on my TransUnion report, late open accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$210.00} ) and DEPTEDXXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ). These inaccuracies, duplicate listings, and inconsistent reporting create confusion, artificially inflate the number of negative entries on my credit profile, and unfairly lower my creditworthiness. I believe these errors violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to ensure all information is accurate, complete, and not misleading

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent information appearing across my credit reports with Experian, Equifax, and TransUnion. On my Experian report, my file shows an inaccurate name, XXXX XXXXXXXX XXXX XXXX  and an inaccurate address, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, which are not associated with me and should not appear. Experian is also reporting late open accounts with conflicting details : XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$210.00}, Date Opened XX/XX/XXXX, Date Last Active XX/XX/XXXX ) and DEPTED/XXXX  ( Acct : XXXX * * * *, Balance {$19000.00}, Date Opened XX/XX/XXXX, Last Reported XX/XX/XXXX ). On my Equifax report, a late open account is reported for XXXX ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$210.00}, Date Opened XX/XX/XXXX, Date Last Active XX/XX/XXXX ), and on my TransUnion report, late open accounts include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Balance {$210.00} ) and DEPTEDXXXX  ( Acct : XXXXXXXX XXXX XXXX XXXX XXXX Balance {$19000.00} ). These inaccuracies, duplicate listings, and inconsistent reporting create confusion, artificially inflate the number of negative entries on my credit profile, and unfairly lower my creditworthiness. I believe these errors violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies and furnishers to ensure all information is accurate, complete, and not misleading

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX  XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and 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 2025-09-18 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: TX

Complaint narrative:
This letter serves as my formal dispute of the late payment inaccurately reported on my credit report. My consistent record of on-time payments confirms that this entry is false. Its continued reporting misrepresents my financial responsibility.

Company response to consumer: Closed with non-monetary relief