vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-09 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: TN

Complaint narrative:
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 XXXXXXXX. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and inaccurate. And according to the fair credit reporting act whenever a consumer report it shall follow reasonable procedures to assures maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC ( e ) ( b ). And according to 15 USC 1692C 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information under paragraph ( 1 ) of any information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information has be modified or deleted from the file of the consumer. And according to 15 USC 1692C they are suppose to not furnish any in formation relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEMis a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: PA

Complaint narrative:
I was a victim of identity theft. There are inquiries on my XXXX  and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. As per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

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 2025-07-09 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: MI

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: IN

Complaint narrative:
Equifax XXXX. XXXX XXXX XXXX, TX XXXX Last XXXX of XXXX XXXX XXXX XXXX was charged off as of XXXX Since then the account has repeatedly been updated as charged off every month.This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account : XXXX XXXX XXXX, Account Number XXXX Thank You Kindly,

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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-09 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: TX

Complaint narrative:
I am filing a complaint because my creditor is reporting 180 days late payments on my account for XXXX ending in XXXX for XXXX, XXXX XXXX XX/XX/XXXX and XXXXXXXX XXXX XXXXXX/XX/XXXX that are inaccurate and not properly verified. I have disputed this directly with the credit bureaus and the furnisher but the late payments remain without proper validation or documentation. Under 15 USC 1681 S 2 A furnishers must report accurate information under 15 USC 1681 I the credit bureaus must perform a reasonable investigation within 30 days, neither one of them have provided sufficient evidence to support the negative reporting. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, TitleVI, Section 611, Subsection A-D, I have asked that they provide the names and business addresses of each individual with whom they verified the above and the documentation used to verify my dispute and nothing was provided.

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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX while making hotel room reservations on XXXX, during the check out process I was prompted/offered to sign up for a Chase XXXX Credit card with a sign up bonus of XXXX points + {$400.00} credit with a specific spending requirement. I completed and submitted the card application, however it was denied online due to my credit profile being locked. I unlocked my credit profile and then went back and completed a new card application, which now offered/showed a new increased sign up bonus of XXXX points with a specific spending requirement. I completed the new application with the increased sign up bonus on XX/XX/XXXX and also reached out to chase customer service to ensure that they are only working with the application with the XXXX bonus points offer, I stated to them to not proceed with the application with the lower sign up bonus. Over the next few days ( XX/XX/XXXX, XXXX, XXXX, XXXX ) I received multiple online notifications from chase that my application/s were denied due to duplicated applications, fraudulent activity and for me to call and verify my information which I did. Each time that I called I spoke to multiple people in customer service, applications, verifications, card processing, underwriting, fraud prevention and each time I verified with my social security number the applications they had and which sign up bonus were associated with the applications. My actions were going no where therefore on 2 separate occasions went to my local chase branch. I explained my situation to the Chase branch associated and they on my behalf called through their chase dedicated phone lines and spoke with the credit card associates to verify my information as well a verify the application numbers and sign up bonuses, the chase branch associates on my behalf also provided specific instructions to the card processing team to only proceed with the application which had the XXXX point sign up bonus and to not proceed with the application associated with the lower sign up bonus. I have now received a new chase credit card with the lower sign up bonus. I have since then reached out to chase over the phone and the response I am getting is it is what it is, they application has been approved and there is nothing they can do when in fact I had given them specific instructions to not proceed with the application with the lower sign up bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: AR

Complaint narrative:
XX/XX/year> {$700.00} To Whom It May Concern, I recently received a communication from your office regarding a debt you claim I owe. Im writing to formally request validation of this debt, as I have the right to do under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Before I take any further steps, I need to be sure this debt is actually mine and that your company has the legal right to collect it. Please send me the following : A detailed explanation of the debt, including the original creditor 's name and account number.

A copy of the original signed agreement or contract that shows I agreed to this debt.

Proof that you are legally authorized to collect on this debt, including any assignment or transfer documents.

An itemized breakdown of the total amount being claimed ( principal, interest, fees, etc. ).

Until I receive proper validation, I am requesting that you stop all collection activity, including reporting this account to the credit bureaus. Reporting invalid or unverified debt may be a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

Please treat this letter as a formal dispute of the debt and a request for full validation. I expect a written response within 30 days of receipt of this letter.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this complaint because Experian continues to report an outdated and inaccurate address that should no longer be associated with me in any capacity. My current and only legitimate address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX. Despite providing updated proof of residency and submitting a dispute to correct my file, Experian continues to retain the previous address of XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX an address I no longer reside at and which does not reflect my current living situation. 

The Fair Credit Reporting Act ( FCRA ) requires Experian to ensure the information it maintains is both accurate and relevant. Specifically, under 15 U.S.C. 1681e ( b ), Experian is obligated to follow reasonable procedures to assure the maximum possible accuracy of the information it reports. Continuing to display a previous address as if it were still valid misleads potential creditors and financial institutions, many of which rely heavily on address matching for verification. This inaccuracy can and has caused unnecessary confusion and interruptions during credit reviews.

What makes this even more frustrating is the emotional and logistical toll it takes. Something as basic as having my correct address should not require multiple disputes and complaints. Im cautious about maintaining a clean and accurate credit file because I know the weight it carries when applying for housing, financing, or even employment. To see an outdated address stubbornly remain on my Experian report despite my efforts to correct it makes me question the integrity of the dispute process altogether.

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 2025-07-09 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: LA

Complaint narrative:
Company : Santander Consumer USA Issue : Inaccurate information on my credit report illegal re-aging and false late payment reporting Details : Santander has been falsely reporting an auto loan account to XXXX  that was charged off and repossessed years ago. The Date of Last Payment is XX/XX/XXXX, and the DOFD is from XXXX. The account is closed and charged off, yet Santander is continuing to report new monthly XXXX late payments, including as recently as XX/XX/XXXX. 

This account was properly removed by Experian and TransUnion, as the XXXX reporting period from the XXXX has XXXX. However, XXXX  still shows the account as active with new missed payments, which is both inaccurate and harmful. 

These late payments are being reported years after the charge-off and appear to be attempts to re-age the account and prolong its derogatory impact on my credit report. Under FCRA 605, this account should have fallen off in XX/XX/XXXX, yet XXXX  shows it wont be removed until XX/XX/XXXX. 

I request the following relief : Immediate deletion of the Santander tradeline from XXXX. 
Cessation of all false monthly late payment updates. 
Correction of the reporting history to reflect actual last activity and DOFD. 
Compensation or acknowledgment of credit harm caused by 7 years of inaccurate and unlawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: UT

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Affirm Holdings, Inc
State: FL

Complaint narrative:
Pertaining to the reporting account AFFIRM INC # XXXX The late payments reported from XX/XX/XXXX to XX/XX/XXXX on this account are not accurate. I am requesting a verification of the payment history. The account was paid in full on XX/XX/XXXX, and I do not believe the reported delinquencies accurately reflect my payment behavior. If these can not be verified, I am requesting that they be removed and updated to " Paid as agreed. '' Or deleted as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
Request for Investigation and Deletion of Unverifiable Information Pursuant to the Fair Credit Reporting Act ( FCRA ) [ Experian I am writing to formally dispute and request the investigation of information currently listed on my credit report. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to investigate disputed information and remove any data that can not be verified within 30 days. 

This is a formal request for your agency to initiate an investigation into the accuracy and verifiability of all accounts reported on my file. Any items that can not be fully verified must be deleted in accordance with Section 611 of the FCRA.

Enclosed are copies of my government-issued ID, Social Security card , and proof of current address to assist you in verifying my identity and processing this request without delay.

Please confirm in writing that the investigation has been initiated and provide me with the results upon completion, including any items removed from my report. I expect your full compliance with all federal regulations governing credit reporting practices. 

Thank you for your prompt attention to this matter.

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