vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
Irregularities Identified Contradictory Account StatusXX/XX/XXXX: Positive. 

Experian : Negative. 

XX/XX/XXXX: Positive. 

The same account can not be reported as Positive and Negative at the same time across different CRAs. 

Re-Aging of the Account : Date Opened : XX/XX/XXXX. 

Last ActivityXX/XX/XXXXXX/XX/XXXX ( before the loan even matured ). 

Experian = XX/XX/XXXX. 

XX/XX/XXXX 

This is illegal re-aging designed to keep the derogatory item alive on the report. 

Payment History Inconsistency : XX/XX/XXXX shows no late payments at all, still marks account Positive. 

Experian : reports multiple late payments ( 30, 60, 90, 120 ) despite the account being disputed and inconsistent with the other two bureaus. 

XX/XX/XXXX aligns withXX/XX/XXXXPositive ), but still shows an open balance ( {$4700.00} ). 

This is data corruption and false credit damage. 

Balance vs. Status Conflict : Account is showing as open with balance owed ( {$4700.00} ), while at the same time marked Paid/Resolved in dispute comments. 

Either the loan is open with a balance OR closed/resolvedit can not be both. 

Creditor Reporting Abuse : Comment History : marked as Account previously in dispute resolved by furnisher yet continues to report negatively. 
This demonstrates purposeful harm to the consumers credit file.

Violations of Federal Law FCRA ( 15 U.S.C. 1681 ) 607 ( b ) : Failure to maintain accuracy and consistency in reporting.

611 ( a ) : Failure to conduct a proper reinvestigation.

623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

605 ( a ) : Illegal re-aging of negative information to extend derogatory reporting beyond permissible limits. FDCPA ( 15 U.S.C. 1692 ) 1692e ( 2 ) ( A ) : False repre
sentation of the character and legal status of the debt.

1692e ( 8 ) : Communicating or threatening to communicate false credit information.

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 2025-09-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning I checked my credit report and was shocked to see that unauthorized inquiries are still there, and I can not understand why. Even after refreshing my browser, they were not removed. I am extremely frustrated and demand that the documents I provided be reviewed carefully so this nightmare can finally be put to rest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: OH

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 2025-09-15 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: WA

Complaint narrative:
XXXX XXXX is collecting money from that they said i owe. I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CLGF Holdco 1, LLC
State: MS

Complaint narrative:
Milestone closed my account in XX/XX/year>, yet continues to report new late payments and raise the balance monthly. This is knowingly false, deceptive, and a willful violation of FCRA 623 and XXXX XXXX compliance. Such conduct creates fabricated delinquency, damages my credit, and shows reckless disregard of consumer law. I demand immediate correction to a {$0.00} closed status or full deletion, or I will pursue further remedies for willful noncompliance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-09-15 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: TN

Complaint narrative:
This is a follow-up to my earlier dispute regarding multiple conflicting and inaccurate entries on my credit report. Despite my initial request for correction, the issues remain unresolved.XXXX XXXX XXXX entry shows the account opened on XX/XX/XXXX, marked as both late and current, with a last payment on XX/XX/XXXX. 
Another entry for the same creditor, opened on XX/XX/XXXX, is also listed as current, with a last payment on XX/XX/XXXX. 
XXXX XXXX XXXX entry, opened on XX/XX/XXXX, states I was 60 days late, with a last payment on XX/XX/XXXX. 
Another entry, opened on XX/XX/XXXX, shows no payment status at all. 
These conflicting records remain on my file and continue to damage my credit profile. They misrepresent my payment history and violate the Fair Credit Reporting Act, which requires maximum possible accuracy and proper reinvestigation of disputed information.

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 2025-09-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I need my refund they charged me XXXX oberdraft fees

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
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 2025-09-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
MY AUTHORIZED USERS CREDIT CARD WAS STOLEN AND USED IN XXXX  THESE CHARGES ARE FRAUDULENT AND ARE NOTAUTHORIZED, HE DOES NOT HAVE POSESSION OF HIS CARD. THESE CHARGES NEED TO BE REMOVED OFF THIS CREDIT CARD ACCOUNT, XXXX {$67.00}, XXXX XXXX {$100.00}, XXXX XXXX {$56.00}, XXXX XXXX XXXX XXXX {$95.00} XXXX XXXX XXXX  {$210.00}, XXXX XXXX  {$14.00}, XXXX {$110.00}, XXXX {$20.00}, XXXX XXXX XXXX {$120.00} SEE ATTACHED FTC 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 2025-09-15 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:
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 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-15 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: FL

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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: MO

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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 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 2025-09-15 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute of the negative information you continue furnishing to Experian regarding my Dept. of Education/NELN accounts. My XXXX  report dated XX/XX/year> reflects multiple entries for the same loan ( s ), showing 90120 day late payments, despite the fact that these accounts are closed and paid.

Your reporting is inaccurate, duplicative, and misleading, violating the following laws : FCRA 623 ( a ) ( 1 ) ( A ) : Furnishing information known to be inaccurate.

FCRA 623 ( b ) ( 1 ) : Duty to conduct reasonable investigations and correct errors.

FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to assure maximum possible accuracy. 
Multiple reporting of the same delinquency constitutes double jeopardy, which is inherently misleading and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: TX

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 2025-09-15 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: IL

Complaint narrative:
I am disputing inaccurate and unauthorized accounts that are being reported on my credit file. I did not open or authorize these accounts, and I was never notified of their addition. The information being reported is also inconsistent across the three major credit bureaus. This violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy, and 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or removed within 30 days. I have submitted supporting documents verifying my identity and demonstrating that these accounts are inaccurate and unauthorized.

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 2025-09-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: TX

Complaint narrative:
I purchased cryptocurrency on Crypto.com ( XXXX ) using their advertised Instant Deposit feature because the site clearly stated I would have immediate access to trade. I even have a screenshot showing it says you will have access to trade instantly. 

However, after completing the deposit, I discovered that my funds were placed on a 7-day hold. At no point during the transaction process was this disclosed. The only place this information appears is buried in their Terms of Service, which no reasonable consumer would be expected to review in that context. 

This is deceptive and misleading. The company advertises instant access but then restricts my ability to actually use the funds. Trading includes not only buying but also withdrawing, and they block that without disclosure. I also can not cancel the ACH transaction after the fact. 

This conduct violates : Federal Trade Commission Act, Section 5 ( prohibiting unfair or deceptive acts in commerce ). 

Potentially the Electronic Fund Transfer Act ( EFTA ) regarding clear disclosures for electronic transfers. 

In Texas, it would also fall unde

r the Deceptive Trade Practices Act ( DTPA ), which bans false or misleading representations to consumers. Crypto.coms advertising is fraudulent
ly misleading customers into believing funds are instantly usable, when in fact they are not. This is harming consumers, including myself, and needs to be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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:
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 2025-09-15 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: MD

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-15 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: KS

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-15 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:
It is beyond frustrating that unauthorized inquiries continue to appear on my credit report this morning. Despite refreshing my browser, the problem persists. I am insisting that the documents I sent be fully reviewed so this matter can be resolved immediately, and I can stop living with this constant worry.

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 2025-09-15 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 very upset to see that inaccurate accounts are still appearing on my credit report today, and I truly can not understand why. When I checked my report, I found discrepancies that should not be there. I refreshed my browser several times hoping it was a temporary error, but the accounts are still there. This issue is causing me so much frustration, and I need my documents to be checked immediately so this can be resolved once and for 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 2025-09-15 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: DE

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 

Fraudulent Accounts and Inquiries ( Already Disputed and Documented ) : XXXX. XXXX XXXX XXXX Account Number : 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