vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : * FTC Identity Theft Report and affidavit * My government-issued ID * Social Security card * Proof of address * A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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
Consumer complaint received 2025-12-04 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 am filing a complaint as a concerned consumer to demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items reported by your bureaus, as they have caused significant ongoing harm to my credit profile and financial stability.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), you are legally obligated to conduct a timely and reasonable reinvestigation of any disputed information, and under FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 605B / 15 U.S.C. 1681c-2, no information may be furnished or retained in my credit file if it can not be fully verified, supported, and legally substantiated.

I am specifically disputing the improper charge-off reporting under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to the absence of a mandatory 1099-C for debts allegedly exceeding {$600.00}, which legally renders these entries unverifiable and invalid, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$180.00} Experian ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$180.00} TransUnion ), and XXXX  XXXX XXXX ( {$5400.00} Experian ), all of which are inaccurately listed and unsupported by any lawful documentation. 
Furthermore, I am disputing a large volume of unauthorized hard inquiries that violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), because I never granted permissible purpose, written authorization, or consent for any of these companies to access my credit report. 
In Experian, this includes : XXXX  ( XX/XX/XXXX ), XXXX BANK XXXX XX/XX/XXXX ), XXXX CARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX ). 
In Equifax, unauthorized inquiries include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In TransUnion, these unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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. All these inquiries were performed without my permission and are therefore unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
I am filing a complaint as a concerned consumer to demand the immediate removal of multiple inaccurate, unverifiable, and unauthorized items reported by your bureaus, as they have caused significant ongoing harm to my credit profile and financial stability.

Under FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), you are legally obligated to conduct a timely and reasonable reinvestigation of any disputed information, and under FCRA 623 ( a ) ( 1 ) ( A ) and 15 U.S.C. 605B / 15 U.S.C. 1681c-2, no information may be furnished or retained in my credit file if it can not be fully verified, supported, and legally substantiated.

I am specifically disputing the improper charge-off reporting under FCRA 607 ( b ) 15 U.S.C. 1681e ( b ) due to the absence of a mandatory 1099-C for debts allegedly exceeding {$600.00}, which legally renders these entries unverifiable and invalid, including XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( {$180.00} Experian ), XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( {$180.00} TransUnion ), and XXXX  XXXX XXXX ( {$5400.00} Experian ), all of which are inaccurately listed and unsupported by any lawful documentation. 
Furthermore, I am disputing a large volume of unauthorized hard inquiries that violate FCRA 619 15 U.S.C. 1681q, FCRA 604 ( a ) 15 U.S.C. 1681b ( a ), and FCRA 604 ( f ) 15 U.S.C. 1681b ( f ), because I never granted permissible purpose, written authorization, or consent for any of these companies to access my credit report. 
In Experian, this includes : XXXX  ( XX/XX/XXXX ), XXXX BANK XXXX XX/XX/XXXX ), XXXX CARD XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XX/XX/XXXX ). 
In Equifax, unauthorized inquiries include : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
In TransUnion, these unauthorized inquiries include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD 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. All these inquiries were performed without my permission and are therefore unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Below is a polished, CFPB-ready complaint statement that clearly explains the issue, focuses on consumer harm, and avoids unnecessary emotion. You can copy-paste this directly into the CFPB complaint form. 



CFPB Complaint Draft ( Clear, Strong, and Effective ) Summary of the Issue : American Express misled me during a phone call in which their agent advised me to cancel my card without informing me that the {$890.00} annual membership fee was non-refundable after 30 days. As a result, I lost access to the card and all benefits I had paid for, despite using the card for less than two months.

What Happened : I contacted American Express regarding my account, and during the interaction the Amex representative suggested or advised cancelling the card. At no point did the representative disclose that cancelling the card would permanently forfeit my eligibility for a refund of the {$890.00} annual fee. This material information was withheld, and as a result I made a decision I would not have made had the agent properly disclosed the consequences. 

After cancellation, I lost access to the card, my account, and all benefits for which the annual fee was paid. I had only used the card for less than two months at the time it was cancelled, and I was never informed that the annual fee would not be refunded or prorated. 
Why This Is a Consumer Harm : I was not given the required or reasonable disclosure needed to make an informed decision.

The agents failure to disclose the non-refund policy directly caused financial loss. 
A refund of the annual fee should have been explained before cancelling my account, especially given the extremely short duration of use. 
This appears to be an unfair or deceptive practice because a consumer can not reasonably know a refund is forfeited unless the agent states it at the time of cancellation. 

What I Am Requesting : I am requesting a refund of the {$890.00} annual membership fee, given that : I used the card for less than two months, The cancellation was made based on incomplete or misleading guidance from the Amex agent, and I lost access to all benefits I had already paid for due to a lack of proper disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
To Bank of America, For account ending XXXX Claim ID XXXX XXXX double charged me the amount of {$8000.00} on same day. Bank of America in the beginning gave me back {$8000.00} due to the double charge. XXXX saw that and withdrew {$8000.00} worth of coins on XXXX exchange. 
Therefore I requested Bank of America to give me back {$8000.00} from my bank since XXXX already withdrew {$8000.00} on XXXX exchange. Bank of America stands on XXXXXXXX XXXX side.

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 monetary relief
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Central Portfolio Control Inc.
State: UT

Complaint narrative:
Central portfolio control sent me a letter saying I owe the {$17000.00} cents. My student loans were cleared by the student loan forgiveness. I tried to explain it to them and ask for proof and they did not provide. I told them my student loans were cleared. They said pay us

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XXXX, I experienced a medically documented emergency involving a XXXX and severe concussion, which caused an involuntary loss of income. During this period, Capital One repossessed my vehicle without providing the legally required Notice of Intent to Sell or post-sale documentation. I was never given a chance to reinstate, redeem, or buy back the vehicle. 

Despite this, Capital One has continued to call and text me repeatedlyevery day for over a yearclaiming I owe a deficiency balance. I informed them several times that I am disputing the debt and asked them to stop contacting me, yet the communication continues. 

I requested debt validation, including : Sale date Sale price Full accounting Itemized fees Required pre- and post-sale notices The company did not provide any of the documentation. 

This constant contact is harassment and a violation of the FDCPA. I am requesting CFPB assistance to stop the harassment and require Capital One to provide full debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: FL

Complaint narrative:
DESPITE MY PRIOR DISPUTES AND FORMAL NOTICE, THE REPORTING AGENCY FAILED TO CONDUCT A LAWFUL REINVESTIGATION AS REQUIRED UNDER 15 U.S.C. 1681I OF THE FAIR CREDIT REPORTING ACT ( FCRA ). THE AGENCY WAS EXPLICITLY NOTIFIED OF INACCURACIES AND PROVIDED SUFFICIENT DETAIL TO TRIGGER A DUTY OF REASONABLE INVESTIGATION. HOWEVER, THEIR RESPONSE CLEARLY SHOWS NONCOMPLIANCE : NO VERIFIABLE EVIDENCE, DOCUMENTATION, OR CERTIFICATION OF DATA ACCURACY WAS EVER PRODUCED. INSTEAD, THE SAME ERRONEOUS INFORMATION CONTINUES TO BE REPORTED A DIRECT VIOLATION OF FEDERAL LAW. 

BY LAW, CONSUMER REPORTING AGENCIES MUST : 1. CONDUCT A REASONABLE REINVESTIGATION WITHIN THE STATUTORY TIME FRAME, 2. DELETE OR CORRECT ANY UNVERIFIABLE OR INACCURATE INFORMATION, AND 3. PROVIDE WRITTEN VERIFICATION OF THEIR FINDINGS AND THE SOURCES RELIED UPON. 

NONE OF THESE REQUIREMENTS WERE MET. THEIR INVESTIGATION WAS CONCLUSORY, UNSUPPORTED BY PRIMARY EVIDENCE, AND FAILED TO PROVIDE ANY PROOF OF VERIFICATION OR CHAIN OF CUSTODY OF THE DATA IN QUESTION. THIS CONSTITUTES BOTH PROCEDURAL NEGLIGENCE AND WILLFUL DISREGARD OF FEDERAL OBLIGATIONS.

ADDITIONALLY, UNDER 15 U.S.C. 1681E ( B ), THE AGENCY HAS A CONTINUING DUTY TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION IT REPORTS. RETAINING OR RE-REPORTING UNVERIFIABLE DATA BREACHES THIS DUTY AND CAUSES TANGIBLE CONSUMER HARM, REPUTATIONAL DAMAGE, AND DENIAL OF FAIR CREDIT OPPORTUNITIES. 

THEIR FAILURE TO ACT LAWFULLY AFTER NOTICE TRANSFORMS THIS MATTER FROM SIMPLE NEGLIGENCE INTO RECKLESS NONCOMPLIANCE AND BAD FAITH CONDUCT.

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 2025-12-04 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:
For XXXX months the Credit Agency/Bureaus disregarded, violated my rights under the FCRA, and ignored my request delete the unauthorized inquiries on my credit report. Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft, you are required to block or remove fraudulent items within 4 business days of receiving the following : -Appropriate proof of my identity -A copy of my identity theft report, which I have provided -Identification of the fraudulent/unauthorized information Please remove unauthorized inquiries. Inquiries : XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This needs to be resolved immediately. Under the FCRA, each violation of my rights entitles me to damages of {$1000.00}. Im willing to settle for that amount {$1000.00} per violation.

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 2025-12-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I discovered that interest had been charged on my Amazon XXXX XXXX, which is issued by Synchrony Bank, in XX/XX/year> while casually reviewing past transactions. 
The interest had been accumulating for approximately 8 months. 

During this entire period, I never received any clear or prominent notifications, alerts, or disclosures from Synchrony Bank in : - the mobile app interface - the account dashboard - monthly billing statements - payment confirmation emails None of the communications displayed that interest was actively accruing, nor did Synchrony Bank disclose clearly or conspicuously that : 1. Autopay only covers minimum promotional installment balances 2. Autopay does NOT cover the full regular purchase balance 3. Unpaid regular balances would generate interest When I contacted support, agents either delayed the conversation or stopped responding for long periods without providing a resolution. 
At no point did any representative clearly explain how my payments would be applied or allocated. 

A representative later told me the interest-accruing regular balance was XXXX USD. 
Relying on this, I paid XXXX USD intending to clear the entire regular balance. 
However, Synchrony Bank did not warn me that a portion of my payment would be applied to the current billing cycles minimum payment first, causing my intended regular balance payoff to remain incomplete. 

As a result, I was then told XXXX USD remained in the regular balance. 
This unpaid amount stemmed from payment allocation mechanics that Synchrony Bank never disclosed to me clearly. 
To stop further interest from growing, I paid another XXXX USD to fully clear the remaining regular balance. 

I believe the interest charges accumulated due to misleading Autopay behavior and Synchrony Banks insufficient, unclear, and non-conspicuous disclosure practices, which allowed interest to grow for many months without my knowledge. 

I am requesting a full refund of the accumulated interest, totaling {$100.00}, due to Synchrony Banks lack of clear disclosure and misleading payment allocation handling.

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 2025-12-04 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : * FTC Identity Theft Report and affidavit * My government-issued ID * Social Security card * Proof of address * A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information 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 non-monetary relief
Consumer complaint received 2025-12-04 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: MI

Complaint narrative:
I am filing a formal complaint under the Fair Credit Reporting Act ( FCRA ) and 15 U.S.C. 1681c2.

The listed credit reporting agency is reporting accounts, inquiries, and/or collections that do not belong to me and were added without my consent. These items resulted from the unauthorized use or distribution of my personal information and qualify under the legal definition of identity theft. 
I have submitted an official FTC Identity Theft Report detailing the affected items. I am requesting the immediate block and deletion of all unauthorized or unverifiable accounts, inquiries, and collections under federal law.

The CRA has no permissible purpose or verifiable source to continue reporting these items. If they can not verify each disputed item with documented evidence, they are legally required to remove them within 4 business days under 15 USC 1681c2.

I am attaching : * FTC Identity Theft Report and affidavit * My government-issued ID * Social Security card * Proof of address * A list of disputed accounts/inquiries Please investigate and remove the accounts and all associated negative information immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate payment histories across several of my accounts, despite my prior submission and my rights under FCRA 602 , 611, and 623 ( a ) ( 2 ) ( b ) requiring fair, accurate, and fully verified information. My XXXX XXXX  account ( XXXXXXXX XXXX XXXX XXXX  ) is inaccurately reported with multiple delinquencies, including XXXX lates in XXXX, XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX ; XXXX lates in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX ; XXXX lates in XXXX XXXX and XXXX XXXX ; and XXXX lates in XXXX XXXX, none of which align with my actual payments or the servicers acknowledgments. My XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) account, open since XXXX with a {$0.00} balance, is incorrectly showing a XXXX late in XX/XX/XXXX, despite documented on-time payment and no late reporting by Experian or Equifax. My XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is inaccurately marked with a XXXX late in XX/XX/XXXX, although the payment was timely and accepted by the lender. The closed XXXX XXXX  account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX is incorrectly reported with escalating delinquencies from XX/XX/XXXX through XX/XX/XXXX, which do not reflect the accounts reconciliations and {$0.00} balance at closure. Additionally, my XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows late payments from XXXX XXXX that contradict verified lender records and the accounts final {$0.00} balance. These reporting errors violate the bureaus obligation to ensure maximum possible accuracy and the furnishers duty to correct incomplete or inaccurate information, continuing to harm my credit despite responsible account management. I request a full investigation and immediate correction of all inaccurate information to ensure my credit profile accurately reflects my payment history.

Company response to consumer: Closed with non-monetary relief