vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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 dispute the following accounts listed on my credit reports, which I believe contain errors. I request a thorough investigation into these matters and that the inaccurate information be corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 


Charged Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} Dispute Reason : Inaccurate reporting of the account status. 

XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5300.00} Dispute Reason : Inaccurate reporting of the account status. 

XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2700.00} Dispute Reason : Incomplete or inaccurate account information. 

XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} Dispute Reason : Account status and balance discrepancies. 

XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$27000.00} Dispute Reason : Incomplete or inaccurate account information. 

Late Payments : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Dispute Reason : Incorrect reporting of payment history. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute Reason : Incorrect reporting of payment history.

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 2025-11-11 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:
My account with XX/XX/XXXX EXPERIAN TRANSUNION was never late! I have had exceptional payment history 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 CXX/XX/XXXXe XX/XX/XXXXXXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC XXXXb 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XX/XX/XXXX days before the payment due date. XX/XX/XXXX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or deliveredXX/XX/XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NY

Complaint narrative:
Fifth Third Bank, N.A. is inaccurately reporting a late payment on an installment account ending in XXXX. The alleged delinquency appears on XXXX, XXXX, and XXXX  credit reports and continues to verify as accurate despite multiple disputes. 

The payment in question was made on time. Documentation and payment proof were provided to all three credit bureaus between XX/XX/year> and XX/XX/year>. Additionally, Fifth Third Bank previously issued written correspondence stating that the late payment notation would be removed ; however, the account remains inaccurately reported as delinquent. 

This ongoing inaccuracy violates the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ), prohibiting the furnishing of false information, and 623 ( b ) ( 1 ), requiring furnishers to conduct a reasonable reinvestigation upon notice of a dispute. Furthermore, under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ), this constitutes a billing error, as the creditor failed to properly investigate and correct the account after being notified of an error in the billing or reporting process. 

The consumer requests immediate deletion or correction of the inaccurate late payment entry and confirmation that the account is being accurately reported to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I am filing a consumer complaint against Infiniti Financial Services for unfair and deceptive business practices. My retail-installment contract lists two owners, yet Infinitis online system shows only me. While my account was under active investigation ( Case # XXXX ), Infiniti issued a Notice of Acceleration dated XX/XX/XXXX XXXXthe same day my {$3500.00} payment was marked Invoice Completed. The company never mailed that notice to my correct Massachusetts address, even though I had provided updated contact information when requesting title documents for registration. These conflicting records, missing notices, and internal miscommunications have caused emotional and financial harm. I am requesting ( 1 ) immediate suspension of all repossession and collection activity, ( 2 ) written confirmation of the accounts correct status and ownership, and ( 3 ) restitution or other corrective action as required under the Fair Credit Billing Act, Fair Debt Collection Practices Act, and Massachusetts General Laws c. 93A.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capstone Credit & Collection, LLC.
State: FL

Complaint narrative:
CAPSTONE CC is falsely reporting on my credit. I have never had any accounts with them. Per my research CAPSTONE CC is a debt collector. They are falsely reporting on my credit!! Account number is 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 2025-11-11 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: The CBE Group, Inc.
State: OH

Complaint narrative:
Company Name : The CBE Group , Inc . 
Account Number : XXXX Type : Collection / Utility ( not credit ) I am disputing a collection account being reported by The CBE Group , Inc. for {$940.00}. This account is being reported as solely my responsibility, which is inaccurate. This was a shared utility account involving multiple responsible individuals, and I did not authorize, open, or agree to be solely liable for the balance being reported. 

The reporting of this account violates the Fair Credit Reporting Act FCRA 602, 611, and 623, which require information to be accurate and fully verifiable before being reported. The CBE Group has not provided documentation proving I am legally responsible for this amount. 

Additionally, the collector is in violation of the Fair Debt Collection Practices Act FDCPA 807 ( 2 ) ( A ), which prohibits misrepresenting the character, amount, or legal status of a debt, and FDCPA 809 ( b ), which requires collection efforts and reporting to stop until proper debt validation is provided.

I am requesting that the CFPB require The CBE Group to provide : Verification proving I am the sole responsible party, and A full itemized breakdown of how the balance was calculated. 

If they can not provide this validation, I am requesting the account be deleted from my credit file as required by federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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 non-monetary relief
Consumer complaint received 2025-11-11 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: GA

Complaint narrative:
I am not connected to these accounts and they must be deleted within 15 days per USC 1681g.

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 2025-11-11 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 disputing the following items on my TransUnion credit report : Charged Off Accounts : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX Late Payment : 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 non-monetary relief
Consumer complaint received 2025-11-11 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-11 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:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error 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 2025-11-11 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:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under XXXX5 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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 have no knowledge of these inquiries, and they seem to be unauthorized and possibly fraudulent. I request immediate action to resolve this matter. Please review the attached documents for further clarification.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Despite previous disputes and your failure to correct the inaccurate information on my credit report, this is a formal notice of intent to sue for continued violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Your companys repeated negligence has caused me significant financial and personal harm. If these inaccuracies are not resolved immediately, I will have no choice but to pursue legal action under the following statutes : FCRA 15 U.S. Code 1681n Civil Liability for Willful Noncompliance FCRA 15 U.S. Code 1681o Civil Liability for Negligent Noncompliance FDCPA 15 U.S. Code 1692k Civil Liability for Debt Collection Practices Violations

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 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I opened an account with Comenity Capital Bank with an offer of zero % which they later decided not to honor. I paid off the account in full and have requested to close the account six times. Once over the phone and five other times using the messaging system within the banks software. 
XX/XX/XXXX - filed complaint about not getting zero % as promised when account was opened in XX/XX/year> XX/XX/XXXX - complaint was denied XX/XX/XXXX - called to request account be closed XX/XX/XXXX - requested to close account using their messaging system XX/XX/XXXX - requested to close account using their messaging system XX/XX/XXXX - account paid in full bank asked if I still wanted to close the account, I confirmed I did want it closed using their messaging system XX/XX/XXXX - Account still open requested it be closed using their messaging system XX/XX/XXXX - Still open, requested again to close acct using their messaging system XX/XX/XXXX - additional charges added to account XX/XX/XXXX - Response in messaging system claims account is closed but there is still {$9000.00} in available credit showing XX/XX/XXXX - sent payment to avoid credit issued, and requested explanation as to why there is still available credit if the account is closed. 
XX/XX/XXXX - called to request this account be closed immediately I appreciate any assistance you can provide, as I don't know what else to do at this point. The charges will continue and I can not seem to get any traction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Transunion and equifax are reporting accounts that are XXXX XXXX XXXX or more as current accounts and delinquencies are reported causing me to be declined new credit

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Since XXXX  I have been applying to XXXXXXXX XXXX to finance a XXXX. They pull from Experian Credit Services and I always get an adverse action letter. Upon looking at the adverse action letter I see that they 1. Always have the wrong address,2.never update the information they are supplying to XXXXXXXX XXXX and 3 . Provide them with the wrong credit score as well as misleading information. On XX/XX/XXXX I applied to XXXX and was denied. Upon looking at the adverse action letter, I see that experian not only supplied them with an outdated, out of state Texas address that I have not lived at for almost 2 years but also gave them a credit score of XXXX even though at the time I had paid for my credit scores and pulled my credit report which showed I had XXXX. That is a XXXX point difference. My current address is up-to-date on all my credit reports so this is no accident. I reached out to XXXXXXXX XXXX who said this is solely on Experian. I also applied today and Experian app says my credit score is a XXXX, experian reported to XXXX it was a XXXX. Another reason I got denied was not enough paid down on student loan balances I am currently IN SCHOOL so I do not have to pay my student loans.

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 2025-11-11 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:
These accounts are erroneously attributed to me ; they must be deleted in 15 days under federal 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 explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX the company charge off both accounts and failed to sent me a 10099c tax form, And continue to report false information in violation of my privacy.. 
Now as of XX/XX/XXXX they still reporting false information in breach of my right to privacy to all 3 credit agency... they accept treasury vouchers in XXXX close out these accounts, now as XX/XX/XXXX they attempted committing tax fraud, as if they just closing our accounts..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have received communication regarding this debt ( or it has appeared on my credit report ), but I have not been provided with the necessary documentation to verify the debt, including proof of the original amount owed, the original creditor, or XXXX XXXX legal right to collect on this 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 explanation