vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Dispute of Unverifiable Late Payments Reported by XXXX Account Name/Number : XXXX XXXX Report Date : XX/XX/year> To Whom It May Concern : I am writing to formally dispute certain inaccurate and unverifiable late payments reported by XXXX on XXXX credit file under the above-referenced account. 

According to the XXXX XXXX Billing Act ( FCBA ), XXXX XXXX. XXXX, creditors are required to provide a grace period before assessing any late fees or reporting delinquencies. Furthermore, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and subsequent provisions such as XXXX XXXX. XXXX, you are required to report only accurate and verifiable information. 

XXXX has reported late payments that I believe are inaccurate and for which no verification has been provided. I request that a thorough investigation be conducted into these entries. Per the FCRA, if these items can not be verified, they must be promptly deleted from my credit file. 

Please provide the following : A copy of the payment history that validates the reported late payments. 

Documentation that proves I was billed per XXXX XXXX XXXX, including the date my bill was mailed and the specified due date. 

A written statement from XXXX verifying the accuracy of the late payment information. 

In the absence of such documentation, I formally request that the disputed late payments be removed from my credit report, in compliance with federal law. 

Please complete your investigation and provide the results in writing within the XXXX business days as required by the FCRA. 

Thank you for your time and prompt attention to this matter. I expect all unverifiable information to be removed to reflect a fair and accurate credit history. 

Sincerely, 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 2025-07-05 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Dispute of Unverifiable Late Payments Reported by XXXX Account Name/Number : XXXX XXXX Report Date : XX/XX/year> To Whom It May Concern : I am writing to formally dispute certain inaccurate and unverifiable late payments reported by XXXX on XXXX credit file under the above-referenced account. 

According to the XXXX XXXX Billing Act ( FCBA ), XXXX XXXX. XXXX, creditors are required to provide a grace period before assessing any late fees or reporting delinquencies. Furthermore, under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, and subsequent provisions such as XXXX XXXX. XXXX, you are required to report only accurate and verifiable information. 

XXXX has reported late payments that I believe are inaccurate and for which no verification has been provided. I request that a thorough investigation be conducted into these entries. Per the FCRA, if these items can not be verified, they must be promptly deleted from my credit file. 

Please provide the following : A copy of the payment history that validates the reported late payments. 

Documentation that proves I was billed per XXXX XXXX XXXX, including the date my bill was mailed and the specified due date. 

A written statement from XXXX verifying the accuracy of the late payment information. 

In the absence of such documentation, I formally request that the disputed late payments be removed from my credit report, in compliance with federal law. 

Please complete your investigation and provide the results in writing within the XXXX business days as required by the FCRA. 

Thank you for your time and prompt attention to this matter. I expect all unverifiable information to be removed to reflect a fair and accurate credit history. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
they repossessed my vehicle without first providing me with a required Notice of Default or Right to Cure, violating my state 's consumer protection laws. after repossession, I was never given a notice of sale or Deficiency Balance of Notice, which are required under UCC 9-611 and 9-614. This failure deprived me of my right to redeem the vehicle or understand the amount allegedly owed. The account is also being reported to the credit bureaus inaccurately and without proper documentation, violating the Fair Credit Reporting Act ( 15 U.S code 1681s-2. I am demanding a full investigation and the immediate removal of this account from all credit reports due to the violations and failure to follow law procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Southern Auto Finance Co
State: NC

Complaint narrative:
Consumer Financial Protection Bureau : Written Statement of Complaint Subject : Dispute of Account Reported by Southern Auto Finance Company ( SAFCO ) - FCRA Violations Details of Complaint : The name associated with the account in question is not my correct legal name. It is spelled differently than the name on my government-issued drivers license and Social Security card XXXX This discrepancy raises concerns regarding the validity, ownership, and identity accuracy of the account. 

I mailed a formal dispute letter to Southern Auto Finance Company ( SAFCO ) concerning the inaccurate charge-off reporting and requested full verification of the tradeline. I also submitted a dispute with Experian, which should have prompted SAFCO to reinvestigate the account per its obligations under the Fair Credit Reporting Act ( FCRA ). To date, no appropriate verification, correction, or removal has been provided. 

The account in question ( Account # XXXX ) is currently being reported as charged off with XXXX consecutive months of CO ( charge-off ) notations. This practice may qualify as account re-aging, which is a violation of the FCRA and credit reporting guidelines. The continued reporting is misleading and damaging. 

I also requested confirmation on whether SAFCO issued a 1099-C ( Cancellation of Debt ) form. If one was issued, the account should be considered discharged and no longer collectable or reportable. SAFCO has not provided any documentation to validate the debt, correct the personal name discrepancy, or confirm the current account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
A month ago, I filed a complaint with these Bureaus, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they've already closed my complaint. Can you clarify why they closed it without addressing the issue? Did they even look into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. Could you share how they went about verifying my 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 explanation
Consumer complaint received 2025-07-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
A month ago, I filed a complaint with these Bureaus, but the incorrect information on my report is still there. To my surprise, I haven't heard back from them, and they've already closed my complaint. Can you clarify why they closed it without addressing the issue? Did they even look into my dispute? I need to know that they have properly investigated the inaccuracies on my report and confirmed the accounts. Could you share how they went about verifying my report?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT # XXXX XXXX XXXX wrote this account off this account off on their taxes as a profit loss, but failed to provide me with the 1099 ( c ) in order for me to write it off as income and are still reporting that I owed a balance despite XXXX receiving a tax break thus committing fraud.XXXXThis XXXX  account was written as a charge off yet XXXX  never provided the consumer with 1099 ( c ) cancellation of debit form, thus XXXX  is reporting inaccurate information to my consumer 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 explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: PA

Complaint narrative:
I do not recognize these addresses and would like them removed immediately, thank you! 
XXXX XXXX  XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA 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 2025-07-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am filing this complaint regarding Capital One and their ongoing failure to correct inaccurate information being reported to XXXX on my consumer report. I have been disputing this tradeline since XX/XX/year>, and despite my repeated efforts to resolve the matter in good faith, Capital One continues to report false and misleading data and improperly verify it as accurate.The core issue relates to Capital One falsely reporting a credit limit on a credit card charge card account. By definition, credit card charge card accounts do not have credit limits. Reporting a static credit limit on such an account is inaccurate and misrepresents the nature of the account, violating the Fair Credit Reporting Act ( FCRA ) XXXXTo demonstrate the inconsistency : I filed a dispute with XXXX regarding XXXX for the exact same issue, and XXXX  removed that tradeline due to the clear violation. However, Capital One has refused to acknowledge this error and continues to verify the information as if it is accurate despite it being fundamentally flawed.This contradictory and negligent reporting harms my credit profile, misleads lenders, and demonstrates a reckless disregard for accurate reporting standards. I have made multiple attempts to resolve this directly by following the appropriate dispute process with XXXX. Still, Capital One refuses to act responsibly or lawfully. I have waited patiently and submitted these disputes in good faith. This is now my final warning to Capital One to comply with federal credit reporting standards before further legal or regulatory action is taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These hard inquiries dont belong to me, havent been authorized by me, and need to be removed. Also, this one too. Thanks. 

- 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 non-monetary relief
Consumer complaint received 2025-07-06 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: CL Holdings LLC
State: LA

Complaint narrative:
I am a victim of identity theft and multiple fraudulent accounts have been reported on my credit reports with XXXX XXXX XXXX XXXX. These accounts were opened without my knowledge or consent. 

I have already submitted formal disputes to each credit bureau and have requested debt validation from the companies, but these items continue to appear on my reports. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which protects victims of identity theft. 

The companies involved include : Jefferson Capital Systems ( {$500.00}, {$1100.00} ) XXXX XXXX XXXX ( 2 accounts, {$1000.00} & {$1100.00} ) XXXX XXXX XXXX ( {$1800.00} ) XXXXXXXX XXXX  ( {$910.00} ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX {$2000.00} ) XXXX XXXX XXXX XXXX XXXX {$510.00} ) XXXX XXXX XXXX XXXX {$310.00} ) I am requesting the CFPB to investigate and ensure these accounts are removed from my credit reports. These debts are not mine. I am attaching supporting documents including my ID and letters submitted to the credit bureaus. 

Please help enforce my rights under federal law and assist in getting these accounts permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: Harris & Harris, Ltd.
State: LA

Complaint narrative:
I am a victim of identity theft and multiple fraudulent accounts have been reported on my credit reports with XXXX XXXX XXXX XXXX. These accounts were opened without my knowledge or consent. 

I have already submitted formal disputes to each credit bureau and have requested debt validation from the companies, but these items continue to appear on my reports. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 605B, which protects victims of identity theft. 

The companies involved include : XXXX XXXX XXXX ( {$500.00}, {$1100.00} ) XXXX XXXX XXXX ( 2 accounts, {$1000.00} & {$1100.00} ) XXXX XXXX XXXX ( {$1800.00} ) XXXX XXXX ( {$910.00} ) XXXX XXXX XXXX ( {$500.00} ) XXXX XXXX XXXX XXXX XXXX {$2000.00} ) Harris & Harris LTD ( {$510.00} ) XXXX XXXX XXXXXXXX ( {$310.00} ) I am requesting the CFPB to investigate and ensure these accounts are removed from my credit reports. These debts are not mine. I am attaching supporting documents including my ID and letters submitted to the credit bureaus. 

Please help enforce my rights under federal law and assist in getting these accounts permanently removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-05 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: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report. I have identified several significant discrepancies that do not accurately reflect my actions or financial history. Specifically, these inaccuracies were made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> TransUnion -- XXXX -- XXXX XXXX XX/XX/year> Experian XXXX XX/XX/year> Equifax XXXX XXXX XX/XX/year> Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Names : XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX, WA XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
I had a bank account with truist bank in PA. I was arrested in 2022, and was recently released. I discovered fraudulent activity, including cashing life insurance checks from my mother while I was incarcerated. The total of her policies were XXXX. I additionally have been made aware of further withdrawals from my account after my incarceration. I have tried numerous times to report this to truist fraud department, but because I am unable to apparently verify myself to these foreign people, I have yet to get anywhere regarding an investigation. I have contacted the local bank and been able to recover statements from the relevant time period. I also have made a police report. I don't understand why the bank has not been forthcoming in helping pursue this manner when it falls on their negligence. Someone forged my signature and used my bank account and I still have no reimbursement??! I am so frustrated

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 2025-07-06 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I was contacted by Eastern Account Services on behalf of XXXX. XXXX claimed I had an outstanding balance that I did not owe. I contacted XXXX multiple times to dispute the charge. Each time, a member of XXXX  team assured me that the charge was erroneous and that it would be removed. I was also told by XXXX to ignore any correspondence related to the charge. XXXX never fixed the problem, instead, they sent me to collection. I initially received a notification from XXXX XXXX XXXX XXXXXXXX on XX/XX/year> regarding the collection notice. I replied on XX/XX/year> with supporting documentation that XXXX would remove my balance. I later received an email that they would not pursue the collection. Months later, I received another collection notice from Easter Account XXXX. I alerted them that I felt that I was being harassed and that if they contacted me again, I would take legal action. I did not hear anything else until my credit score took a huge hit. I still have the documents from XXXX stating that the charge was erroneous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: AL

Complaint narrative:
" I discovered collection accounts on my credit report from companies I have never signed a contract or agreement with. I have no knowledge of the debt being collected and did not authorize the third-party debt collector to collect in my name. I am filing this report because these accounts were opened or transferred without my consent or authorization and are fraudulent in nature under FCRA 1681 and FDCPA 809. ''

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 2025-07-06 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: AL

Complaint narrative:
" I discovered collection accounts on my credit report from companies I have never signed a contract or agreement with. I have no knowledge of the debt being collected and did not authorize the third-party debt collector to collect in my name. I am filing this report because these accounts were opened or transferred without my consent or authorization and are fraudulent in nature under FCRA 1681 and FDCPA 809. ''

Company response to consumer: Closed with non-monetary relief