vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Issue Summary : TransUnion and Experian is reporting a XXXX XXXX collection account that has been illegally re-aged in violation of the Fair Credit Reporting Act ( FCRA ). 

The debt allegedly originated in XXXX, but TransUnion and Experian is reporting it as if it became delinquent in XXXX, extending the reporting period unlawfully. 

XXXX has already confirmed the charges were removed in XX/XX/XXXX and reconfirmed in writing in XX/XX/XXXX that my balance was {$0.00}. 

Despite this, TransUnion and Experian is still showing the account with a removal date of XX/XX/XXXX, which is 6 years past the legal reporting limit. 

FCRA Violations FCRA XXXX ( a ) : Negative accounts can not remain on file beyond 7 years from the date of first delinquency ( DOFD ). 

FCRA XXXX ( a ) ( XXXX ) : Furnishers must report the accurate DOFD. 

FCRA XXXX : TransUnion and Experian must conduct a reasonable investigation and delete unverifiable or inaccurate accounts. 

XXXX & Evidence : XX/XX/XXXX Received collection notice from XXXX XXXX for {$150.00} ( alleged XXXX early termination fee ). ( Exhibit A ) XX/XX/XXXX XXXX supervisor credited the full balance ; balance = {$0.00}. ( Exhibit B confirmation ) XX/XX/XXXX XXXX reconfirmed in writing that the {$140.00} early termination fee was credited in XXXX. ( Exhibit B ) XX/XX/XXXX TransUnion and Experian credit report shows the account still listed as a collection, closed XX/XX/XXXX, with a removal date of XXXX/XXXX. ( Exhibit C ) This is clear illegal re-aging to keep a negative item on my credit file past its lawful expiration. 

XXXX XXXX : My XXXX XXXX is being damaged by an account that should have been deleted no later than XX/XX/XXXX. 

This inaccurate reporting is affecting my access to credit, housing, and fair financial opportunities. 

Requested Resolution : Immediate permanent deletion of the XXXX XXXX account from my TransUnion and Experian file. 

Written confirmation of the deletion. 

Notification to any recent credit file users that the account was reported inaccurately. 

Attached Exhibits : Exhibit A : XX/XX/XXXX XXXX XXXX collection letter ( {$150.00} alleged balance ) Exhibit B : XX/XX/XXXX XXXX XXXX written confirmation ( balance {$0.00}, charges removed in XXXX ) Exhibit C : XX/XX/XXXX TransUnion credit report snapshot ( account falsely re-aged, showing removal date of 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 2025-09-11 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-11 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: NV

Complaint narrative:
Dear CFPB, I am filing this complaint because the nationwide consumer reporting agencies ( Experian, TransUnion, and Equifax ) have failed to delete or correct inaccurate and/or unverifiable information on my credit reports despite several dispute letters I sent via Certified Mail with proper identification and documentation. Their responses relied on cursory verifications, did not provide the required Method of Verification, and did not address the specific reporting and Metro 2 compliance defects I identified. 
Accounts in Dispute ( appearing on my reports ) XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX bankruptcy discharged XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
Bankruptcy listed on my credit report on all credit bureau. Without proper validation of name adress incorrect dates and year, damaging remarks on credit report .without permission to publish to have them remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I reviewed my credit report and saw fraudulent accounts on my report. I would like these accounts be removed from my credit report as it is hurting my ability to get credit.

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 2025-09-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Addendum to CFPB Complaint Chase Bank I am submitting this addendum to document what appears to be a serious breach of protocol by Chase Bank following my complaint. 

On XX/XX/year>, I received an unsolicited email from Chases XXXX XXXX referencing my CFPB complaint ( case number XXXX ). The email requested that I provide the name of the borrower, the loan number, and the property address directly to them. 

This raises concerns of : Obstruction of process CFPB rules state all communications regarding a complaint should remain within the portal. 

Witness tampering/interference As a complainant, I should not be contacted outside the CFPB process for additional information. 

Potential retaliation The request for borrower, loan, and property details, combined with the unsolicited outreach, places me in a compromised position. 

I will not respond to Chase outside of the CFPB system. I respectfully request that this attempted direct contact be logged in the official record and evaluated by the Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: GA

Complaint narrative:
A FCRA violation refers to a violation of the Fair Credit Reporting Act ( FCRA ), which is a federal law that regulates the collection, dissemination, and use of consumer credit information. Federal law requires that consumer reporting agencies ( CRAs ) follow reasonable procedures to ensure 100 % accuracy of the information contained in their credit reports. If a consumer suffers damages as a result of a FCRA violation they may be entitled to bring a private lawsuit against the CRA and recover actual damages, statutory damages, and attorney 's fees. These accounts listed on my letter is not 100 % correct and I demand them to be investigated completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: FL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: Penn Credit Corporation
State: AZ

Complaint narrative:
The following Accounts Are Fraudulent and I have been a Victim of identity theft before. DPT EDXXXXXX/XX/XXXX i have reached out to XX/XX/XXXXand I have gotten no response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-11 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: Albert Corporation
State: FL

Complaint narrative:
Albert Genius XXXX has been dodging my emails since XX/XX/XXXX when I requested to have them shut my account over and over yesterday was the last attempt To have them close my account Albert genius app My email is XXXX XXXX XXXX XXXX  This is the email they never answer XXXX please shut down my account stop charging me money for something I dont want you guys are predatory you make it impossible to close an account horrible!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Capital One has not been truthful with approval on my credit and I want to know why I can't get help or contact anyone who help and why is it send me to a direct robot that is not a real person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I am filing this dispute because my credit report contains accounts that I did not authorize or open. I was never notified of their addition, and the information being reported is inconsistent across the credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires reporting agencies to assure the maximum possible accuracy of reported information.

These errors also violate 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days, and 15 U.S.C. 1681g, which ensures consumers receive accurate disclosures of their credit file.

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 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FirstPoint Collection Resources
State: FL

Complaint narrative:
I worked for XXXX XXXX from XXXX during my time working there I became pregnant and was on had to go on maternity leave in XXXX and I was never told while I was working there I owed any money it wasnt until XX/XX/XXXX I received a call from a debt collection company XXXX XXXX XXXX XXXX XXXX is stating I owe them {$430.00}. I worked there for 3 years after I took maternity leave and they never said anything about owing them money and I lived in the same apartment for 2 years after I left the company and I never receive any letters pertaining to this debt until 6 years later. After speaking with them twice I asked a representative to send me proof of how I owe the debt.A few weeks later I received and email from the Collection company stated that there is no documentation and that I owe the debt. I disputed twice on XXXX  and the are saying that I owe the debt and they claim to attach proof but the never did its just something written that say the debt belongs to me. How can they just tell me I owe the debt from 6 years ago but not show me proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: River Heights Capital LLC
State: NJ

Complaint narrative:
My name is XXXX XXXX. 
I have been wrongly accused of a debt that I don't owe & my bank accounts were frozen after a XXXX XXXX in NJ found me guilty without my knowledge. I have never been contacted or knew about this said debt but now my accounts have been levied. I have contacted the court XXXX XXXX XXXX 's office & they keep referring me to the Attorney that is working the case. This debt is supposedly from 16 years ago from the bank that I used during my time in California but that bank was absorbed by XXXX XXXX XXXX I have been using them ever since & had no knowledge that this was going on. I have always paid my debts & will continue to if they are valid. My identity has been stolen twice so I don't know if that has something to do with it but I have NEVER been contacted about this issue until I got a letter from my bank stating that almost {$3500.00} was being taken. The law firm XXXX XXXX XXXX that first took the case many years ago has been accused multiple times & convicted for predatory practices & running a law suit mill to scam millions from ordinary people. I need to know what to do next because I am not getting anywhere with the the law office or court officer. Thank you for your time & hope to hear from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : XXXX XXXX XXXX XXXX XX/XX/XXXX for {$60000.00}, XXXX XXXX  XXXX XX/XX/XXXX for {$53000.00}, XXXX XXXX XXXX XX/XX/XXXX for {$610.00}. These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report XXXX I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a XXXX XXXX, Identity Theft and XXXX. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, 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 2025-09-11 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 am requesting that my credit report be corrected and the inaccurate information permanently deleted. Despite multiple notifications, the company continues to report false information. 

This has resulted in repeated credit denials, financial hardship, and significant emotional distress. I will not continue to tolerate these violations, and if this matter is not resolved immediately, I will pursue legal action.

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 2025-09-11 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: PA

Complaint narrative:
This complaint is not a mistake. My credit report contains multiple inaccuracies that fail to meet the standard of maximum possible accuracy and are causing ongoing financial and personal harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: VA

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. 

Please delete the following accounts : XXXX  XXXX XXXX  XXXX - XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX CLOSE - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( XXXX ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( XXXX ) 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 shall ( i ) 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. 

and according to 15 USC 1681s-2 they are suppose to 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. 

15 U.S.C. 1681B ( A ) ( XXXX ) 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. I kindly request that you block this information from my credit report within XXXX business days.

Company response to consumer: Closed with non-monetary relief