vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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:
Irregularities Identified Contradictory Account Status Equifax : Open XXXX  : Closed ( due to inactivity ) XXXX  : Closed ( canceled by grantor ) One bureau shows this account as open while the others show it closed. 

Contradictory Dates Opened/Closed Date Opened : Equifax/XXXX  : XX/XX/XXXX, XXXX  : XX/XX/XXXX. 

Date Closed : XXXX  : XX/XX/XXXX, XXXX  : XX/XX/XXXX, Equifax : Not Closed. 
A single account can not have two different opening dates and different closure statuses.

Contradictory High Balance Equifax : {$0.00} XXXX  : {$2300.00} XXXX  : {$2300.00} High balance can not be {$0.00} at one bureau and {$2300.00} at others. 

Different Last Activity Dates Equifax : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX The same account can not have three different last activity dates. 

Different Last Reported Dates Equifax : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX  : XX/XX/XXXX Conflicting last reported updates across bureaus. 

Contradictory Payment History Equifax : 30 & 60 days late ( XXXX XXXX ) XXXX  : 30, 60 & 90 days late ( XXXX XXXX ) XXXX : XXXX & 60 days late ( XXXX XXXX ) Same account is being reported with different delinquency timelines. 

Contradictory Account Rating/Description Equifax : Derogatory/Open XXXX  : Closed XXXX  : Closed Same account can not be both derogatory open and closed simultaneously. 

Legal Violations FCRA 1681e ( b ) : Failure to ensure maximum possible accuracy account data differs across all three bureaus.

FCRA 1681i ( a ) : Failure to properly reinvestigate my previous disputes have not resolved these contradictions.

FCRA 611 ( a ) ( 5 ) ( B ) : If this account was previously corrected or deleted, reinsertion without certification and notice is unlawful.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher ( XXXX ) provided false, inconsistent, and misleading data to the CRAs. 

FDCPA 807 : Misrepresentation of the character or legal status of debt by showing it simultaneously as open, closed, derogatory, and late.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-10-09 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:
When I first open the dispute with experience I had let them know who at the address were I received my mail who did allegedly sent in application and I have been a victim of fraud at that address for other things I have even a dispute twice for the same out come to say that I did it that's un called for a would l I k e to see he report that gave them the decision of it was me that did this never tried to produce report and u need this debt taken of for it wasn't mevtgat applied

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 2025-10-09 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:
Irregularities Identified Contradictory Date Opened Equifax : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX The same auto loan can not have three different opening dates. 

Different Monthly Payment Amounts Equifax : {$340.00} XXXX  : {$340.00} XXXX  : {$0.00} It is not possible for one bureau to report a $ XXXX  monthly payment and another {$0.00}. 

Contradictory Account Rating Equifax : Paid XXXX  : Open XXXX  : Open The account can not be simultaneously reported as Paid and Open. 

Inconsistent Balance Equifax : {$13000.00} XXXX  : {$13000.00} XXXX  : {$13000.00} Equifax reports a different balance compared to the other XXXX. 

Different Last Activity Dates Equifax : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX  : XX/XX/XXXX A single account can not have three different last activity dates. 

Contradictory Last Reported Dates Equifax : XX/XX/XXXX XXXX  : XX/XX/XXXX XXXX : XX/XX/XXXX Bureaus are not aligned on when the account was last reported. 

Payment History Inconsistency Equifax, XXXX, and XXXX  show multiple 30-day late notations in different months.

This creates a distorted picture of alleged delinquency.

Contradictory Dispute Status Equifax : Consumer disputes reinvestigation in progress XXXX  : No dispute noted. 

XXXX  : No dispute noted. 
Bureaus must report consistent dispute flags across all systems. 

Legal Violations FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy multiple discrepancies in dates, balances, and statuses.

FCRA 1681i ( a ) : Failure to properly reinvestigate disputes remain unresolved, and inaccurate data persists.

FCRA 611 ( a ) ( 5 ) ( B ) : Prohibition against reinsertion of previously corrected/deleted information without certification and advance notice.

FCRA 623 ( a ) ( 1 ) ( A ) : Furnisher ( XXXX XXXX XXXX  ) reported inaccurate and conflicting information to the credit bureaus.

FDCPA 807 : Misrepresentation of the character, amount, or legal status of debt by reporting Paid with delinquencies at the same time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am disputing Midland Credit Managements reporting and collection of an alleged XXXX XXXX  / XXXX XXXX XXXX account. 

The original creditor ( XXXX XXXX  ) reports this account as charged off with a {$0.00} balance and purchased by another lender. Midland, however, is reporting a balance of {$5900.00} and has filed a lawsuit against me.

Midland has never provided proper validation of this debt. The only documents produced were a generic bill of sale and internal printout, which do not prove ownership of my account or the balance claimed.

Midland is also in violation of federal law for failing to mark the tradeline as disputed after I filed credit bureau disputes. This violates : FDCPA, 15 U.S.C. 1692e ( 8 ), and FCRA, 15 U.S.C. 1681s-2 ( b ).

Requested Resolution I request that the CFPB require Midland to : Immediately delete this account from all credit reports, and Dismiss the pending lawsuit filed against me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am submitting this complaint regarding a billing dispute with American Express concerning a transaction on my credit card account. I initially disputed the charge with AMEX, and they twice issued resolutions in my favor with a refund and closed the dispute. However, AMEX subsequently reopened the dispute twice and then canceled it without providing any proof or clear explanation as to why. 

Despite the clear evidence I provided showing a breach of contract, AMEX declined my dispute without adequately addressing my documentation. I submitted all relevant proof to AMEX, yet they have taken no further action to resolve the matter. 

The rental car in question was in XXXX. The official XXXX  consumer agency reviewed my case and confirmed that the merchant must issue a refund because the car provided was not the one I rented and was also damaged. The merchant falsely claimed they never received any complaint from me, although I spent approximately 15 minutes on the phone with them on the day I picked up the car to report the issue. I also sent AMEX proof of this communication. 

I am requesting the CFPBs assistance in investigating this matter and ensuring that American Express follows fair and transparent procedures in evaluating consumer disputes. This situation has caused me significant XXXX  and financial hardship, and I am seeking a full reversal of the unauthorized charge, as well as any related fees or interest that resulted from it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: OH

Complaint narrative:
Credit report pulled from XXXX XXXX XXXX in XXXX OH. Derogatory account listed. Plaza Services LLC. In collections. Original creditor XXXX XXXX. Account opened XX/XX/XXXX. Amount {$6300.00}. Phone number XXXX. Address XXXX XXXX XXXX XXXX Georgia XXXX. Disputed XX/XX/XXXX. Result from dispute through XXXX  states that I opened the account. I DID NOT open this account. This is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Dear BESTBUY/CBNA ; When I reviewed my credit report recently/today, I was surprised to see late payments reported on my account BestBuy Credit Card account # XXXX late on XXXX and XX/XX/year>. I believe these reports are inaccurate, and unfair. At the time, I never received proper billing statements, and I was also dealing with personal and financial challenges that may have caused confusion with my account. My only thought also is that my monthly statement did not get to me. In some cases, my bank account access was restricted due to suspected activity, which may have prevented payments from being applied correctly. I never intentionally missed payments, and I dispute the accuracy of these negative entries.

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 2025-10-09 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: KY

Complaint narrative:
Capital One stopped allowing direct payments from my bank account without notice until after my payment was denied and my payment was late. Their website showed no payment due for the next month, and I never received a statement. I was then told I missed a payment, which resulted in a late fee and a negative credit report. Id like the late fee waived and the missed payment removed from my credit report. Ive had a good payment history with Capital One and only missed this payment because their system failed to show a statement or payment due. I acted in good faith and believe this should not negatively impact my credit twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: WI

Complaint narrative:
As per 15usc 1611 Experian TransUnion and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640. Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency

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 2025-10-09 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Over the last year, Honda Financial has called people who are not associated with my auto loan and spoke to them in detail regarding my loan.

To date I am aware of 3 separate incidents where 3 different family members who do not live in my household and have absolutely no association with my loan and business with Honda have been contacted.if not spoken to directly voicemails were left for them regarding me and my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DRB-40, LLC
State: MS

Complaint narrative:
On XX/XX/year>, XXXX XXXXXXXX XXXX DRB LLC, contacted at least two of my family members by phone and solicited them to contact me on his behalf. He also left me a voicemail stating that " my efforts will be appreciated. '' He left a file number XXXX and phone number XXXX with them. He tried to get them to call me on a three-way call without my consent. I did not open an account with DRB and have not verified validity of any debt that they may have brokered a deal to purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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 advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that trafficking. 
ACCOUNTS : 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

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 2025-10-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-10-09 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: IL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

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 2025-10-09 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: FL

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts appeared on my credit report. I did not authorize or open any of these accounts, they do not belong to me and are the result of 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 2025-10-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Capital Services, LLC
State: TX

Complaint narrative:
I DIDT RECEIVE NOTICE OF DISPUTE AND IM UNAWARE OF WHO THIS COMPANY IS

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 2025-10-09 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 urge you to act swiftly in removing these unauthorized inquiries from my credit report. They are causing significant distress, and I have provided documentation for verification. Please expedite your investigation into this matter.

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 2025-10-09 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: CBC Companies, Inc.
State: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This complaint is not a mistake. My credit report contains inaccurate information that does not meet the Fair Credit Reporting Acts maximum possible accuracy standard. These errors are causing ongoing financial harm and emotional distress and must be addressed 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