vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: NJ

Complaint narrative:
Dear CFPB, I am submitting a formal complaint regarding inaccurate credit reporting by CRI XXXX Loans. 

In XX/XX/year>, my student loan accounts were transferred to CRI from my previous servicer. Since that transfer, CRI has reported XXXX separate student loan accounts on my credit report. However, my credit report now shows late payments in XXXX and XX/XX/year>, which is incorrect. 

At the time of those reported late payments, my loans were still being serviced by my previous lender, and I was current on all payments. These late payment reports are inaccurate and have had a negative impact on my credit score. 

I have contacted the credit bureaus to dispute these inaccuracies, but the incorrect information remains. I am requesting the CFPBs assistance to ensure that CRI XXXX XXXX : Conducts a full investigation into this reporting error. 

Corrects or removes the inaccurate late payment notations from my credit reports with all credit bureaus. 

Confirms that my payment history is accurately reflected. 

Servicer : XXXX  XXXX XXXX Transfer Date : XX/XX/year> Incorrect Late Payments Reported : XXXX and XX/XX/year> Number of Accounts Reported : XXXX I am attaching documentation to support my complaint, including copies of my credit report, transfer notice, and payment records. 

Please confirm receipt of this complaint and provide any next steps. Thank you for your attention and assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts Bankruptcy, Reference # : XXXX Reported XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # : XXXX Reported XX/XX/XXXX, Balance : {$0.00} Issue : These entries may include inaccurate or unverifiable information. The bankruptcy listing appears inconsistent with what is reported to other bureaus, and the XXXX XXXX account should be reviewed for proper reporting and validation. Please verify both items or delete if they can not be confirmed. 

Late Payment Accounts XXXX, Account # : XXXXXXXX XXXX XXXX XXXX, Account # : XXXX XXXX, Account # : XXXX Issue : These accounts include late payments that may be inaccurately reported. Please confirm all payment history with the furnishers and remove or correct any unverifiable information. 

Inquiries XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX Issue : I do not recall authorizing these inquiries. I request verification of their permissible purpose and removal of any unauthorized or unverifiable inquiries.

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 2025-11-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is a formal dispute of the midland credit managem account. You are furnishing data that is inaccurate and Unverifiable VIOLATING FCRA 607B 609 ( A ) 611,623, FDCPA 807-809 XXXX. 
FAILURE TO MARK DISPUTE The account is not coded with the XB compliance code in violation of FCRA 623 ( A ) ( 3 ) XXXX. NO PROOF OF OWNERSHIP midland credit managem has failed to provide me the original contract or assigned documentation XXXX. By failing to validate, You are engaging in unfair an deceptive practices prohibited under UDAAP

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One XXXX XXXX  credit card put a restriction on my card because whoever answers at the call center doesn't understand that investment accounts use different checking account numbers because they are not traditional bank accounts and are managed by a separate entity which has its own internal account structure and routing numbers. I paid a bill on XX/XX/XXXX using the investment account number ( from XXXX bank # XXXX ). They returned the card payment on XXXX XXXX and put a restriction on my account. I then paid the bill on XXXX XXXX using the checking account number ( from XXXX bank # XXXX ). They keep insisting that they need verification that the # XXXX acct. is mine and they want a bank statement. I have sent the documentation they have requested numerous times but to no avail. They do not understand that the bank statement I am sending them is from XXXX XXXX, the investment acct. and that I don't receive statements from a typical checking account. I have sent them documentation showing that the XXXX accounts are XXXX and the same. A vice president at XXXX XXXX submitted a letter to the credit card company explaining that # XXXX and # XXXX are my accounts. After numerous calls trying to explain to them, they refuse to take the restriction off of my card. This has created so many problems. I have not used the card since this all began and they can see that there is no fraud. The card hasn't been used since the beginning of XXXX. The credit card has been paid in full for a long time. I want to cancel the card but I need the restriction removed because I have over XXXX points that I will lose if I cancel the card. I have a case # ( XXXX ) and reference it every time I call. I have spoken to supervisors and have requested that they do a conference call with myself and the VP at XXXX XXXX. They have refused to do so. They keep reading from their manual telling me that " it is company policy that you have to provide a bank statement to prove that the account is yours. There is nothing more that I can give to them. They have bank statements, they have a letter from a VP at XXXX XXXX and they can see on their credit card statement that I have used those XXXX account numbers to pay the credit card bill. I owe them nothing however, now I am getting refunds to this credit card from goods that were returned and Capital One actually owes me {$260.00}. I simply want the restriction taken off so that I may get my points, get the money they owe me now and close this credit card and never do business with Capital One again. They also put a restriction on XXXX other Capital One accounts for no reason. Those accounts are completely unrelated to this situation and both have been paid off for a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: LEXISNEXIS
State: DE

Complaint narrative:
I submitted a lot of complaints regarding my concern about the removal of the Bankruptcy that I have on my credit report. LEXISNEXIS clearly stated that they could not locate the following Bankruptcy records on my file. Bankruptcy Filing No. XXXX. If LEXISNEXIS can't locate it on my file. It means that these records are not mine and a result of FRAUD/ERROR and it needs to be remove on my credit report immediately, as you know they are in violation of the Fair Credit Reporting Act. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Comenity bank has been putting derogatory late marks on my credit reports XXXX XXXX XXXX XXXX on a closed XXXX XXXX  store card that has not been used since XXXX. Comenity bank what you are doing is illegal and you will be hearing from my attorney this month. It is {$1000.00} for every illegal derogatory mark you have marked on my credit. Comenity bank has recently marked my credit derogatory as late 150 days twice in 20 days. This is illegal and I advise comenity bank to remove every derogatory mark off my credit and you will be paying me for pain, suffering, and FRAUD!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: WV

Complaint narrative:
Ive tried ordering a card for my Cash App it will not let me order it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
Upon reviewing my Experian credit report, I have found the following items that are either incomplete or inaccurate. Please investigate these accounts and take the necessary corrective actions. 

Charged-Off Accounts XXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$320.00} Inquiries XXXX Date : XX/XX/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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my TransUnion credit report : Charged-Off Accounts : XXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX, XXXX, XX/XX/XXXX, Balance : {$890.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$70.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$470.00} XXXXXXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$690.00} XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX, XXXX, XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$22000.00} Inquiry Disputes : XXXX, XX/XX/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 XXXXXX/XX/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 2025-11-12 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: DE

Complaint narrative:
I recently pulled my credit report and saw late-payment codes on my federal student-loan account with DEPT OF ED/AIDVANTAGE ] XXXX These entries show XXXX late payments on XX/XX/XXXX- XX/XX/XXXX, even though my loan was in an authorized deferment/forbearance or under a CARES-Act payment suspension at the time. Under Department of Education regulations, lenders can not report a payment as late during deferment or forbearance. The CFPB has also explained that if a borrower receives a XXXX accommodation, the servicer must report the account as current and can not show it as more delinquent. Reporting me as late violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Furnishers must not report information they know or have reason to believe is inaccurate. Credit bureaus must reinvestigate disputes and delete unverifiable or inaccurate information within XXXX. Reporting my account as late during a defermentXXXX XXXX suspension misrepresents the legal status of the debt and violates FDCPA 807l. I sent certified dispute letters to Equifax and Experian demanding deletion, but they either failed to respond or verified the late payments without providing documentation.

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 2025-11-12 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: MO

Complaint narrative:
I am disputing the following charged-off accounts and inquiries on my Equifax credit report : Charged-Off Accounts : XXXX XXXX, XX/XX/XXXX, Balance : {$1400.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$290.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$22000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: IL

Complaint narrative:
I have submitted multiple disputes regarding these accounts that DO NOT belong to me and they are still reporting on my credit report. I have also submitted multiple FTC reports regarding the accounts that DO NOT belong to me. These companies have refused to work on disputes even though they are required by law to do so. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am disputing the following charged-off accounts and late payments on my TransUnion credit report : Charged-Off Accounts : XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX, XXXX : {$0.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$840.00} XXXX XXXX XXXXXXXX, XX/XX/XXXX, Balance : {$2700.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$540.00} XXXX  XXXX, XXXX, XX/XX/XXXX, Balance : {$960.00} Inquiry Disputes : 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 2025-11-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
DEAR SIR/MADAM, I am a consumer attempting to resolve issues regarding my credit report. Below are the accounts I am disputing. Please review the information provided for each credit bureau. 

CHARGED OFF ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$240.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, {$130.00} INQUIRIES : 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 2025-11-12 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: GA

Complaint narrative:
I am formally disputing the accuracy of late payments reported on my credit file for the following account : Creditor : XXXX The late payments reported on XXXX and XX/XX/year> are inaccurate/inconsistent across bureaus and unverifiable under FCRA 623 . 
I request that you conduct a full investigation and remove any unverified or inaccurate late payment marks from my credit report. 
In compliance with FCRA 611, please provide the method of verification, including the records you used, or delete the information if it can not be substantiated

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Summary of my complaint : I disputed multiple transactions made to an online gaming website called XXXX. This merchant failed to honor its own Responsible Gaming policy. I had permanently deleted my account on XX/XX/year> as part of a self-exclusion process, but the merchant reactivated it without my consent, allowing me to make additional purchases and deposits totalling about {$7000.00} that should have been blocked according to their own Terms and Conditions. 

XX/XX/year> : I received a promotional email from XXXX and was able to log back into my supposedly deleted account and make new purchases. 

During this period, I used XXXX Responsible Gaming tools to set the following limits : XXXX time-out XXXX daily play limit {$300.00} daily spending cap These limits were not enforced the platform allowed me to exceed both my time and spending restrictions. I informed the live chat and support team multiple times but without resolution. 

XX/XX/year> : XXXX emailed me stating that my account was permanently banned following my repeated complaints. 

XX/XX/year> : Despite this, the merchant continued to send me promotional emails. 

Additionally, after I began contacting XXXX repeatedly about their failure to enforce Responsible Gaming limits, the platform removed the Responsible Gaming tab entirely from my account. This demonstrates intentional disregard for their own player-protection policies. I have screen recordings and screenshots documenting my account deletion process, subsequent ability to log in again, the ignored spending/time limits, and my email correspondence with the merchant, in which they denied these failures and refused a refund. 

I used the Responsible XXXX  tools exactly as intended setting time and spending limits, and deleting my account to prevent excessive play and spending. The platform failed to enforce these protections, allowing me to exceed both time and financial limits. 

I submitted evidence to Chase showing that the merchant violated its own rules by not enforcing permanent deletion. However, Chase denied most of my disputes, stating that the charges were voluntary, even though they had previously credited me for XXXX identical transaction for the same issue. 

I believe Chase did not properly review my supporting evidence and failed to consider the responsible gaming and consumer protection aspects of the case. I am requesting that the CFPB review this matter and ensure Chase conducts a fair and consistent investigation across all disputed transactions.

Company response to consumer: Closed with explanation