vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-26 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 am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: FL

Complaint narrative:
This late payment entry does not reflect my overall payment habits. I ask that it be promptly removed and my account updated.

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 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX 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 public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am disputing a fraudulent account that has been reported under my name. I have never opened, authorized, or had any involvement with this account, and its presence is inaccurate and damaging to my credit profile.

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 2025-09-26 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: NY

Complaint narrative:
I'm writing to formally dispute inaccurate and misleading information being reported on my credit file related to an account that is marked as late which is factually incorrect and a violation of federal law.

Let me be absolutely clear : this account has always been paid on time and in full, as agreed. I have never missed a payment on this account. The current reporting of late payments is not only damaging but is also legally inaccurate under 15 U.S. Code 1666b, which governs timely payments and proper billing practices.

This is a billing error, plain and simple. The payment was made as required, and I should not be penalized for a mistake that is not mine. The negative marks being reported are unjustified and are violating the protections provided to me as a consumer under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 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: MA

Complaint narrative:
I have made attempts to contact XXXX XXXX XXXX  and they state they don't have this account in anyone their records but it is reporting on my credit and it is not my account nor have I ever had this account. I have also made several attempts to contact Experian, Equifax and Transunion with no help or results.

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 2025-09-26 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: MA

Complaint narrative:
I have made attempts to contact XXXX XXXX XXXX  and they state they don't have this account in anyone their records but it is reporting on my credit and it is not my account nor have I ever had this account. I have also made several attempts to contact Experian, Equifax and Transunion with no help or results.

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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Formal Identity Theft Dispute Under FCRA 605B Unauthorized Accounts and Privacy Violations To Whom It May Concern : This letter is a formal dispute pursuant to the Fair Credit Reporting Act ( FCRA ), specifically under Section 605B ( 15 U.S.C. 1681c-2 ), regarding fraudulent and unauthorized information being reported on my credit file.

The information being reported by your agency includes accounts and/or inquiries that I did not authorize, initiate, or open. I never provided consent for these institutions to access, share, or report my personal information.

Under federal law, including the FCRA, consumers have the right to block and remove any information resulting from identity theft or unauthorized activity. I am hereby requesting that the accounts listed below be blocked and permanently deleted from my credit profile.

Enclosed is a copy of my official Identity Theft Report filed with the Federal Trade Commission ( FTC Report Number : [ XXXX ] ), along with proper identification to support my claim.

Please be advised that the continued reporting of these accounts without my consent constitutes a violation of federal law, and I reserve the right to pursue further legal action if this matter is not resolved within the timeframe mandated by the FCRA ( within four business days upon receipt of this dispute ).

The following accounts and/or inquiries are fraudulent and unauthorized : FRAUDULENT ACCOUNTS TO BE REMOVED : 1. [ XXXX  XXXX ] - [ account # XXXX ] [ open date XX/XX/XXXX ] 2. [ XXXX XXXX ] - [ account # XXXX ] [ open date XX/XX/XXXX ] 3. [ XXXX  ] [ account # XXXX ] [ open date XX/XX/XXXX ] 4. [ XXXX XXXX ] [ account # XXXX ] [ open date XX/XX/XXXX ] Thank you for your immediate attention to this matter. 
Sincerely, [ 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 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnions report shows XXXX  days late ( XX/XX/XXXX ) and XXXX  days late ( XX/XX/XXXX and XX/XX/XXXX ), then XXXX  in XX/XX/XXXX with XXXX received {$9900.00}, XXXX {$0.00}, XXXX XXXX {$0.00}. In the same late months ( e.g., XX/XX/XXXX and XX/XX/XXXX ) the grid simultaneously displays No Data for Balance / Past Due / Amount Paid/ Scheduled Payment while still coding XX/XX/XXXX. After the payoff in XX/XX/XXXX, the tradeline is not clearly reported as Paid/Closed {$0.00} balance {$0.00} past due. The grid also shows XXXX XXXX {$12000.00} ( XX/XX/XXXX ) with XXXX XXXX {$0.00} and XXXX {$0.00}, creating a confusing and misleading picture of performance. 

Why this is unlawful : FCRA 1681e ( b ) failure to maintain maximum possible accuracy ( late codes without supporting amounts ; unclear paid-closed status ).

FCRA 1681i ( Section 611 ) unreasonable reinvestigation after my dispute pointing out internal contradictions.

FCRA 623 ( a ) ( 5 ) DOFD transparency to prevent re-aging.

Metro 2 Payment History Profile must align with Past Due / Actual Payment / Scheduled Payment ; post-payoff status should reflect Paid/Closed {$0.00}. 

Actions I took : On XX/XX/XXXX I sent a XXXX request to TransUnion demanding correction or deletion and asked for XXXX copies and the Metro 2 fields relied on. I can provide highlighted screenshots ( late codes with XXXX XXXX ; XX/XX/XXXX payoff ) and the payment proof. 

Impact : These inaccuracies depress my credit score and hinder access to 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 non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Im requesting that the XXXX  that is being reported on my credit file be removed. Upon my previous and direct dispute with the Credit Bureaus including but not limited to Experian, XXXX XXXX XXXX I received a response stating that the XXXX was VERFIED as accurate. This is incorrect and in fact a false statement, and it is a proven fact the XXXX XXXX XXXXXXXX does not provide ANY XXXX, or personal information to ANY platform, business, and/or credit reporting agencies, therefore granting the file being reported as NON-VERIFIABLE. It is a violation of my rights in accordance with 15 U.S $ 1681x ( b ) Maximum Possible Accuracy, under the law all reported data should be accurate and verifiable to be reported. It is also a violation to report a non-verified account as it violates my privacy rights under Federal laws, including the FCRA.

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 2025-09-26 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: MO

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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:
This dispute concerns the inaccurate and unauthorized reporting of accounts on my credit record. I did not open these accounts, did not authorize them, and received no notification when they were added. To make matters worse, the details being reported differ across the credit bureaus, which violates the FCRA, 15 U.S.C. 1681e ( b ), as they are obligated to report only accurate information. 

This situation also violates 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires complete and accurate file disclosures.

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 2025-09-26 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:
This dispute concerns the inaccurate and unauthorized reporting of accounts on my credit record. I did not open these accounts, did not authorize them, and received no notification when they were added. To make matters worse, the details being reported differ across the credit bureaus, which violates the FCRA, 15 U.S.C. 1681e ( b ), as they are obligated to report only accurate information. 

This situation also violates 15 U.S.C. 1681i, which requires disputed items to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires complete and accurate file disclosures.

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 2025-09-26 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: AZ

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute ( COMPLAINT # XXXX ) regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX, and XXXX  for XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX ). I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain. This also applies to XXXXXXXX XXXX  XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) and XXXX ( Account # XXXXXXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: MS

Complaint narrative:
According to FCRA section 1681, it is illegal to report anything on my credit report without my permission. Please remove this negative item off my report. Thank 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 2025-09-26 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 was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I was approved for a credit card along with a authorized user. The company randomly froze the account and asked for proof of income and banking information " to verify income ''. I submitted the information requested. The company rejected my banking information because the payments made on the credit ccard were from the authorized users account and not directly from the primary card holder. My first question is how can he be authorized to make charges but can not make payments. And all the payments thus far were made from his account that they took over and over again. I paid almost XXXX in annual fees just for the company to have had freeze the card and threaten to close the account in less then 2 months. Why take monies then close the account because you cant take the money. Why allow someone to make charges but they cant make payments on the account, why not have the authorized card holder sign a consent authorizing payments to be drafted from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX, TD Bank closed personal checking account # XXXX, which had a remaining balance of {$3500.00}. On XX/XX/XXXX, a new personal checking account ( # XXXX ) was opened and we were informed that any remaining funds from closed accounts would be transferred. 

While XXXX other accounts were successfully refunded XXXX Account # XXXX ( closed XX/XX/XXXX, balance : {$300.00} ) and Business Checking Account # XXXX ( closed XX/XX/XXXX, balance : {$1000.00} ) the {$3500.00} from Account # XXXX has not been received to date. 

We have submitted multiple follow-up requests to the bank, including written communications and phone calls, requesting a status update on the missing funds and a timeline for when the transfer would be completed. However, the bank has failed to provide any clear resolution or confirmation. 

It has now been several months, and the continued delay and lack of transparency have raised serious concerns. We are requesting that the CFPB assist in ensuring that TD Bank immediately releases the funds from Account # XXXX into the active account ( # XXXX ) and provides a formal explanation for the delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-26 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: AL

Complaint narrative:
Please consider removing this late payment from my account, as my history proves I am a timely and dependable payer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 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: VA

Complaint narrative:
My credit report includes collection accounts that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a credit report that is accurate and verifiable. I am requesting that these accounts be investigated, and if they can not be confirmed as accurate, they must be deleted from the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Portfolio Recovery Associates continues to report and attempt to collect on accounts allegedly purchased from XXXX XXXX ( Acct # XXXX, {$820.00} and Acct # XXXX, {$470.00} ). 

In response to my validation request, PRA provided only a generic billing statement, which does not satisfy FDCPA 809 ( b ). No signed contract, no chain of title, and no assignment were produced.

This violates FDCPA and FCRA requirements for validation and accuracy. PRA has previously been fined by the CFPB for deceptive collection and reporting practices ( XXXX Consent Order, XXXX Enforcement Action ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX {$920.00} payment XX/XX/XXXX returned payment XXXX {$200.00} payment XXXX returned payment XXXX {$950.00} payment XX/XX/XXXX returned payment XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX {$920.00} payment & returned payment XX/XX/XXXX {$40.00} past due fee XX/XX/XXXX {$960.00} payment I need the past due fee of {$40.00} returned. I also need to know that this will not be on my credit report. 

My bank account representative stated that Capital One Savior Card did not give any reason as to why it was returned. My bank account pays all my other bills.

Company response to consumer: Closed with explanation