vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
Consumer Financial Protection Bureau Complaint Filed : XX/XX/year> To Whom It May Concern, On XX/XX/year>, I sent a formal dispute to XXXX XXXX XXXX regarding inaccurate reporting on my credit file. XXXX never responded. 

On XX/XX/year>, I submitted dispute letters with documentation to Equifax, XXXX XXXX XXXX All three bureaus received them. Equifax sent a letter dated XX/XX/year>, stating the account was removed and is not currently reporting. However, as of XX/XX/year>, the XXXX XXXX XXXX account still appears on my Equifax credit report. 

This is misleading and may indicate reinsertion without proper consumer notice, violating FCRA 611 ( a ) ( 5 ) ( B ). Equifax has not provided written notice of reinsertion or an updated report as required by law. 

I am requesting the immediate and permanent deletion of the XXXX XXXX XXXX account from my Equifax report and a full correction of the file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
This is a formal rebuttal to First Point Collection Resources response to CFPB Complaint [ insert complaint # ]. 

I am again disputing the validity, accuracy, and legal reporting of this account. 

While I received a PDF invoice stating a balance of {$240.00} from XXXX ( formerly XXXX XXXX ), this documentation does not validate the debt, nor does it fulfill the legal requirements under the Fair Debt Collection Practices Act ( FDCPA ) or FCRA 1681s-2 for continued credit reporting. The invoice simply restates a balance it does not prove : That the debt is legally owed by me That it was correctly billed, calculated, and disclosed That First Point has the legal right to collect or report it That proper notice and dispute rights were ever provided Additionally, I never received the original billing statements, cancellation terms, or dispute window from XXXX or XXXX XXXX. Without a chain of custody, signed agreement, or detailed service history, this can not be lawfully verified or reported as accurate under federal credit reporting law. 

If First Point or XXXX continues to report this tradeline to any credit bureau or has already done so I am demanding immediate deletion based on : Lack of full validation Insufficient documentation of contractual obligation No proof of assignment or collection authority I am also requesting written confirmation that : 1. This account has not been reported to any credit bureau, or 2. If it has, that it will be removed immediately from all consumer reporting agencies Furthermore, NorthState officially became XXXX on XX/XX/year>, following a merger with XXXX XXXX under the XXXXXXXX XXXX. This rebranding and operational consolidation raises serious questions about who actually owns this debt, who had lawful billing responsibility, and whether First Point Collection has documented authority from the correct legal entity. 

There is no documentation provided in this response confirming : Chain of custody of the account Assignment of collection rights Who originated and billed the debt before and after the merger If proper notice of creditor transfer was given to the consumer ( required under FDCPA 809 ) Until and unless First Point can produce clear, dated, signed documentation showing : Contractual obligation between myself and XXXX Authorization to collect Complete billing history before and after the merger the debt can not be legally verified, and must be deleted from any consumer reporting agency under FCRA 1681i ( a ) ( 5 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX USC XXXX. 

I looked at my Experian, Equifax XXXX TransUnion credit report on XX/XX/year>, 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 XXXX USC XXXX ( XXXX ) ( b ). 

And according to XXXX USC XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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 XXXX USC XXXX 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NV

Complaint narrative:
I am submitting this formal complaint regarding Equifax 's violations of the Fair Credit Reporting Act ( XXXX  ), specifically XXXX and XXXX, due to their failure to address fraudulent accounts on my credit report despite proper notification and submission of required documentation. On XX/XX/XXXX, I disputed several fraudulent accounts and provided Equifax with all necessary documents, including a valid identity theft affidavit, proof of address, government-issued ID, and evidence linking me to a data breach. However, Equifax failed to block the disputed items within the XXXX business days required by XXXX and instead " verified '' the accounts without disclosing the sources or evidence of verification, violating XXXX 's mandate for a reasonable reinvestigation and transparency. Their actions contravene established precedent, such as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX New York, which affirm the rights of consumers to accurate reporting and proper investigation of disputes. This pattern of non-compliance with statutory obligations and disregard for the CFPBs XXXX bulletin underscores Equifax 's failure to uphold consumer protections under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX OF XXXX Date : XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
I am submitting this formal complaint regarding JPMCB AUTO Account No. XXXX, which is inaccurately reported on my credit file. This account, opened on XX/XX/year>, is marked as closed and noted with a repossession remark, yet the Date of Last Activity ( DLA ) reflected on my credit report is incorrect and does not align with the actual account history. Reporting an inaccurate DLA artificially extends the negative impact of this account on my credit report, which is a direct violation of FCRA 1681e ( b ), requiring furnishers to maintain maximum possible accuracy of the information they report. Furthermore, furnishing outdated or incorrect information after being notified of its inaccuracy constitutes a breach of FCRA 623 ( a ) ( 2 ), which mandates that data furnishers promptly correct and update inaccurate information. This misreporting has a significant adverse effect on my creditworthiness and is a serious violation of federal law. I have submitted disputes regarding this account, yet the inaccuracies remain uncorrected, demonstrating JPMCB AUTO 's failure to meet its obligations under FCRA 623 ( b ) to properly investigate and resolve disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 did not initiate these inquiries and believe they may be fraudulent. I request a full investigation and their prompt removal from my credit report. The necessary supporting documents are attached for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: IL

Complaint narrative:
After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. This account is related to a transaction and experience that falls under the XXXX section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According toXXXX U.S. Code XXXX - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. XXXX U.S. Code XXXX - Compliance procedures- ( b ) Accuracy of report 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. XXXX U.S. Code XXXX ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
I am writing to formally report that I am a victim of identity theft. I did not open or authorize the account ( s ) or debt ( s ) listed below and have no knowledge of the transactions associated with them. I discovered this fraudulent activity on XX/XX/2025, and I have taken the necessary steps to protect my identity, including placing fraud alerts on my credit file. After numerous attempts to contact the company, I have not received a response back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( XXXX  ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX XXXX XXXX XXXX XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
A credit account has been added to my report without my permission or awareness. I have never conducted any business with the entity that submitted this information, and I am confident that this account was opened fraudulently. It is negatively affecting my credit and is not reflective of any legitimate financial activity on my part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: PNC Bank N.A.
State: AL

Complaint narrative:
On XX/XX/year> at XXXX I called into PNC Bank Credit Card to make a payment of {$100.00} and my confirmation number is XXXX. I received an email I missed my payment due date on XX/XX/year> at XXXX ( email tied to this account is different than the sign up account ) I then called on XX/XX/year> at XXXX and spoke to XXXX and he said he would open up an investigation and would backdate the payment for the actual payment date for which it was made. I did not receive any follow-up email about this investigation so I called PNC Bank again and spoke to XXXX XX/XX/year> XXXX and she told me something different that it would take 7 business day to see a resolution from the Research Team which puts the date about the XX/XX/year>. The account currently shows a delinquency past due amount. I have excellent credit with a XXXX of XXXX and I always make my payment on time or before so I find this situation unacceptable. When I researched my bank checking account where the funds should have been taken from there was no withdrawl from PNC bank. I have used this checking account for other payment on PNC bank and there are always funds in this checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: AES/PHEAA
State: UT

Complaint narrative:
I am formally requesting a discharge of my private student loans based on school misconduct and misrepresentation by The New York XXXX For XXXX XXXX, where I was enrolled in an acting program from XX/XX/XXXX to XX/XX/XXXX. 

At the time of enrollment, the school promised students connections to agents and casting directors, as well as access to industry professionals and career networking opportunities that would provide a head start entering the industry. These career guarantees were stated in the schools marketing material and reinforced by XXXX XXXX, the schools XXXX  Director. I relied heavily on these promises when deciding to enroll and take on private student loan debt. 

However, none of these services were ever provided. Throughout my program and post-graduation, I received no structured industry connections or job placement efforts, and no career services of any kind. XXXX  Director XXXX XXXX also abandoned his position midway through my education, leaving a gap in his role. For these reasons, I completed the program with none of the tools, connections, or job-readiness that were promised. 

Immediately after graduation, the school sent marketing emails pushing me to enroll in additional programs to further the career they had already promised to help launch. These messages confirm the school was aware that it had not delivered the original promised outcomes, and instead attempted to upsell more programs rather than honor its original commitments. 

Most recently, I was informed that the school is permanently closing - approximately XXXX years after I graduated. This further validates that the institution was unsustainable and mismanaged. The closure devalues my already limited credentials, and it removes any remaining possibility of career support or follow-up assistance. It reinforces the pattern of instability and failure to deliver promised services. 


I have submitted a formal discharge request to AES with documentation of these issues. However, private loan borrowers are often left with no protection when a school engages in misconduct or fails to provide what it promised. I am asking the CFPB to review this complaint and ensure AES takes this claim seriously. 

I have included documentation of : The schools marketing and promises Post-graduation upsell emails Notice of the schools closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX ( XXXX U.S.C. XXXX ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2000.00}

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