vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: FL

Complaint narrative:
I am filing this complaint against Experian for unlawfully re-reporting a fraudulent collection account from XXXX XXXX XXXX, which had previously been deleted from my credit report following the submission of a validated FTC Identity Theft Report. Despite this resolution, the account has reappeared under a different name and account number, without any prior notice, certification of accuracy, or consumer notification in direct violation of federal law. 

Specifically, Experian violated the Fair Credit Reporting Act ( FCRA ) by : XXXX ( a ) ( XXXX ) ( B ) : Re-inserting a previously deleted tradeline without obtaining a certification of accuracy from the furnisher. 

XXXX ( a ) ( XXXX ) ( C ) : Failing to notify me in writing within XXXX business days of the reinsertion. 

XXXX ( d ) : Re-inserting data previously blocked due to identity theft, which is strictly prohibited. 

XXXX ( b ) : Failing to ensure maximum possible accuracy by accepting re-aged and inflated data from the debt collector. 

In addition, the debt collector, XXXX XXXX XXXX, has : Reported a balance of {$7400.00}, which exceeds the original charged-off amount of {$7000.00}, without documentation or itemization a violation of FDCPA XXXX ( XXXX ) ( A ) and XXXX. 

Failed to provide a debt validation letter or written notice of assignment, violating FDCPA XXXX ( a ) & ( b ) and Florida XXXX XXXX. 

Accessed my credit report without demonstrated permissible purpose, in potential violation of FCRA XXXX. 

This fraudulent tradeline is : Re-aged using a false " Open Date '' of XX/XX/year> Detached from the original creditor ( XXXX XXXX XXXX XXXX  ) Deceptively presented as a new account, harming my credit profile I have also attached a formal experian dispute, screenshots of the account, and other supporting evidence. These documents were submitted to Experian previously in CFPB complaint, and the tradeline was removed yet Experian has now reinserted it unlawfully and without communication. 

These practices also appear to violate the XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX standards, including Fields XXXX, XXXX, XXXX, and XXXX, and rise to the level of unfair, deceptive, or abusive acts and practices ( UDAAPs ) under the XXXX XXXX XXXX XXXX and Consumer Protection Act, which the CFPB enforces.

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 2025-06-30 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: IL

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 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: TX

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-30 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: PA

Complaint narrative:
My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: CA

Complaint narrative:
Im waiting for my deposit and I havent received. Its been over XXXX days. I got all the information from my work that has been submitted and it hasnt landed in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
Issue Description : I am filing a complaint against Experian, Equifax, and TransUnion for failing to properly block and remove fraudulent accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ) following my identity theft report. 

I formally disputed the following accounts on XXXX XXXX XXXX and provided supporting documents including my government-issued ID, proof of address, and a police report/FTC Identity Theft Report. Despite this, the following accounts remain on my credit report : Fraudulent Accounts to Be Blocked ( per FCRA 605B ) : Collections & Charged-Off Accounts : XXXX XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$16.00} Charged Off Delinquent Student Loans ( XXXX XXXX  XXXX / XXXX ) : 4. {$3500.00} 180 Days Late 5. {$1800.00} 180 Days Late 6. {$1100.00} 180 Days Late Secured Loans : 7. XXXX XXXXXXXX XXXX XXXXXXXX {$10000.00} 60 Days Late ( Paid ) 8. XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} 30 Days Late ( Paid ) Auto Loan : 9. XXXX XXXX XXXX {$22000.00} Repossession These accounts were opened or reported without my authorization. Under the FCRA, once a consumer submits a valid identity theft report, the credit bureaus are required to block fraudulent information within 4 business days. The credit bureaus have failed to comply. 

What I want : I want all 9 of these accounts permanently removed ( blocked ) from my credit reports with all three credit bureaus ( Experian, Equifax, and TransUnion ) in compliance with FCRA 605B. I also request a written confirmation of the removal and an updated copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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:
Issue Description : I am filing a complaint against Experian, Equifax, and TransUnion for failing to properly block and remove fraudulent accounts under Section 605B of the Fair Credit Reporting Act ( FCRA ) following my identity theft report. 

I formally disputed the following accounts on XXXX XXXX XXXX and provided supporting documents including my government-issued ID, proof of address, and a police report/FTC Identity Theft Report. Despite this, the following accounts remain on my credit report : Fraudulent Accounts to Be Blocked ( per FCRA 605B ) : Collections & Charged-Off Accounts : XXXX XXXX XXXX {$1500.00} XXXX  XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$16.00} Charged Off Delinquent Student Loans ( XXXX XXXX  XXXX / XXXX ) : 4. {$3500.00} 180 Days Late 5. {$1800.00} 180 Days Late 6. {$1100.00} 180 Days Late Secured Loans : 7. XXXX XXXXXXXX XXXX XXXXXXXX {$10000.00} 60 Days Late ( Paid ) 8. XXXX XXXX XXXX XXXXXXXX XXXX {$520.00} 30 Days Late ( Paid ) Auto Loan : 9. XXXX XXXX XXXX {$22000.00} Repossession These accounts were opened or reported without my authorization. Under the FCRA, once a consumer submits a valid identity theft report, the credit bureaus are required to block fraudulent information within 4 business days. The credit bureaus have failed to comply. 

What I want : I want all 9 of these accounts permanently removed ( blocked ) from my credit reports with all three credit bureaus ( Experian, Equifax, and TransUnion ) in compliance with FCRA 605B. I also request a written confirmation of the removal and an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: MS

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

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 2025-06-30 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:
I have previously submitted complaints regarding inaccurate items on my credit report, yet no corrective action has been taken. I am once again requesting the removal of all negative and erroneous items from my report. 

If this matter is not addressed promptly, I will have no choice but to pursue legal action to seek compensation for the violations under applicable credit reporting laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My balance was {$94.00} but they over charged me for {$160.00} and is not even my fault. They couldn't find my information on their system. I try to paid of the balance which is {$94.00} but instead I got charge for fee and interest rate. How can you charge someone for information that you couldn't find on the system? Makes no sense. It is a Savor Capital One credit card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-30 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: CT

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Account : # XXXX Filed By : XXXX XXXX XXXX Filed Against : CitiBank , N.A . 


Ive disputed this CitiBank account ( ending in # XXXX ) with XXXX at least three separate times beginning in XX/XX/year>, again in XXXX, and once more in XXXX. Every time, CitiBank has failed to verify the data, respond with documentation, or correct obvious inaccuracies. The account continues to be reported as a charge-off, but the payment history shows no missed payments, no gradual delinquencies, and no legal justification for this designation. 
Worse CitiBank is reporting the account as being charged off again and again, every single month. That is not how charge-offs work. A debt can only be charged off once, and then must either be closed, sold, or updated to reflect its settled/legal status. What theyre doing is repeating a damaging derogatory action every month which falsely inflates the severity of the debt and misrepresents my current credit standing. 
This practice is deeply misleading, likely violates FCRA 607 ( b ) ( accurate reporting ), and borders on willful misrepresentation under FDCPA 807 ( 2 ). CitiBank has not produced any documents to justify this repeated charge-off pattern. There is no transparency, no detail, and no effort to reflect the fact that this account has been in active legal negotiation with XXXX XXXX XXXX XXXX XXXX for over 18 months. 
On top of that, I have been on medical leave for over 2 years, and my wife for more than 3 years, both of us XXXX and surviving on limited income. Not once has CitiBank, or their data furnishers, acknowledged this context in their reporting or dispute response. Their handling of this account has been negligent, damaging, and, frankly, retaliatory. 
Theyve had multiple opportunities to correct this and instead, theyve chosen to keep weaponizing this tradeline against me. 


Violation Description FCRA 607 ( b ) Reporting repeated monthly charge-offs that misrepresent debt status | FCRA 623 ( a ) ( 1 ) ( A ) Furnishing inaccurate and misleading tradeline info | FCRA 623 ( a ) ( 2 ). Failing to update the account after multiple disputes | FCRA 611 ( a ) ( 5 ) Failure to delete unverifiable information | FDCPA 807 ( 2 ) False representation of the character or legal status of debt |

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 2025-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Merchants Adjustment Service, Inc.
State: GA

Complaint narrative:
This has been in dispute since XX/XX/2024, and I they have contacted me at all.

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 2025-06-30 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: CA

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: PA

Complaint narrative:
My account with XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-06-30 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2025-06-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Each month, Chase Bank claims that my mortgage payment is delivered in one business day electronically. XXXX XXXX  my mortgager, says that Chase is actually mailing via USPS. As a result, there are times late fees are assessed because my assumption that it should take no more than 1-2 business days to receive the payment from Chase electronically XXXX This will require statements/ declarations from both XXXX XXXX  and Chase Bank.

Company response to consumer: Closed with explanation