vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, and I am filing a formal complaint against Equifax, Experian, and TransUnion for knowingly reporting inaccurate, unverifiable, and misleading late payment information in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance standards.

My credit reports reflect 30-, 60-, and 90-day late payments across multiple accounts, including : These late payments are unverifiable, inaccurate, and in some cases obsolete, and no creditor has produced the original contract, billing records, or any documentation in compliance with FCRA 609 ( a ) ( 1 ). My written disputes went unanswered or were marked as " verified '' without any actual reinvestigation, in violation of FCRA 611. 

Additionally, accounts in dispute were not coded as 'XXXX  ' per Metro 2 compliance, and some closed accounts are being updated with new derogatory datawhich is strictly prohibited under Metro 2 reporting guidelines.

Here are the specific FCRA violations : 605 ( a ) : Obsolete information ( over 7 years ) is still being reported 609 ( a ) ( 1 ) : No proof or contracts provided upon request 611 : Failure to reinvestigate and delete unverified information 623 : Furnishers failed to notify bureaus of corrections or disputes 616 & 617 : Civil liability for willful and negligent noncompliance Furthermore, late payments are being reported that were not a full 30 days late, violating Metro 2 guidelines. This is deceptive, damaging, and unlawful.

I am requesting : Immediate removal of all unverifiable and inaccurate late payments from all three credit bureaus. 

Full documentation showing verification of each tradeline or confirmation of deletion. 

Disciplinary review of the reporting practices of these CRAs and data furnishers. 

These violations have caused financial harm, loss of opportunity, and emotional distress. If not resolved, I will escalate legally and file formal complaints with the FTC, state attorney general, and seek civil damages under FCRA 616 & 617.

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 2025-07-13 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: NJ

Complaint narrative:
I recently reviewed a copy of my credit report and notice had fraudulent accounts on my report please remove these accounts from my report they are hunting my ability to obtain credit 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 2025-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Associates Account XXXX XXXXXXXX I'm unaware of this debit and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide " Certified Mail receipt displaying my signature. If not please delete account XXXX XXXXXXXX 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 2025-07-13 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I am filing a formal complaint against American Express for inaccurate credit reporting in violation of the Fair Credit Reporting Act ( FCRA ). This account was legally discharged in my Chapter 7 bankruptcy. However, it is still being reported as charged-off, with a balance of {$1600.00} and multiple late payments.

This is a clear violation of FCRA 623 ( a ) ( 1 ) ( A ), which prohibits furnishing information that is inaccurate or incomplete, and FCRA 611 ( a ), which requires deletion of unverifiable information.

A charged-off status and balance can not legally be reported on a debt that has been discharged in bankruptcy. This misleads lenders and artificially lowers my credit score, impacting my ability to rebuild. 
If American Express can not verify and correct this reporting to reflect Included in Bankruptcy with a {$0.00} balance and no derogatory notations, then under the FCRA, the account must be deleted from all credit reporting agencies. 
I demand immediate deletion of this account from my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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.

Complaint narrative:
I am writing because of dispute regardining the unlawful activities done to mu account maintained by EQUIFAX TRANSUNION and EXPERIAN ... let dem know since dey BOUGHT dis DEBT from original creditor ' dey are NOW Unda arbitration agreement ( which is on company 's website and XXXX  ) in da original creditors agreement. I am Aware dat da initiation of arbitration will cost thousands although dey purchased debt for pennies on XXXX XXXX XXXX  so I am allowing for dis matter to be settled amicably by dem paying I {$20000.00} for da XXXX XXXX and hardships da unlawful credit reporting has induced to I .. or unlawful activities be deleted from all reporting .. the ignition of arbitration is XXXX {$3000.00}. 

Include all cost for solutions in da letter. Basically arbitration costs fees deposits and initiation costs and extra fees. 

Include da letter dat XXXX says it will be handled by dem but it will cost XXXX XXXX XXXX or we could settle accounts beings removed from report and pay for damages incurred .. collections also and all closed accounts removed USC1692c ( c ).. I demand all illegal activities be ceased and desist XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX Dear, Equfax I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options Transunion LLC Dispute center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear XXXX Transunion I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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.

Complaint narrative:
I am writing because of dispute regardining the unlawful activities done to mu account maintained by EQUIFAX TRANSUNION and EXPERIAN ... let dem know since dey BOUGHT dis DEBT from original creditor ' dey are NOW Unda arbitration agreement ( which is on company 's website and XXXX  ) in da original creditors agreement. I am Aware dat da initiation of arbitration will cost thousands although dey purchased debt for pennies on XXXX XXXX XXXX  so I am allowing for dis matter to be settled amicably by dem paying I {$20000.00} for da XXXX XXXX and hardships da unlawful credit reporting has induced to I .. or unlawful activities be deleted from all reporting .. the ignition of arbitration is XXXX {$3000.00}. 

Include all cost for solutions in da letter. Basically arbitration costs fees deposits and initiation costs and extra fees. 

Include da letter dat XXXX says it will be handled by dem but it will cost XXXX XXXX XXXX or we could settle accounts beings removed from report and pay for damages incurred .. collections also and all closed accounts removed USC1692c ( c ).. I demand all illegal activities be ceased and desist XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXX Equifax XXXX XXXX XXXX XXXX, Georgia XXXX Dear, Equfax I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options Transunion LLC Dispute center XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear XXXX Transunion I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options Experian XXXX XXXX XXXX XXXX, TX XXXX Dear, Experian I am informing you dat collections and all other unlawful negativity on mu account shall be removed especially anything ova 3 years dat i definitively had no partake in .. da debt is yalls debt dat yall bought for a XXXXXXXX XXXX arbitration is unlawful .. I am Aware of arbitration .. a payment of XXXX or removal decease or desist of activities account are only options

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 2025-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am reporting that I was the victim of a scam involving the XXXX payment service through my Chase Bank account. 

On XX/XX/XXXX and XX/XX/year>, I was manipulated by individuals who claimed to be from a community help group offering personal loans. They gained my trust and applied XXXX XXXX, making me believe the offer was legitimate and urgent. As a result, I sent a total of {$600.00} through XXXX using my Chase account. 

Shortly after, they tried to demand even more money and disappeared. I immediately realized it was a scam and reported the case to Chase. However, Chase denied my fraud claim, stating that the transaction was authorized. This ignores the fact that I was coerced, misled, and manipulated all clear indicators of fraud and deceptive practices. 

I am seeking a formal review of my case. I have screenshots and documentation proving the fraudulent nature of the communication and the emotional manipulation I experienced. Im also reporting this case to the FTC. 

I am requesting that Chase reconsider my claim and take responsibility in helping victims of XXXX scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: FL

Complaint narrative:
Under the FDCPA and FCRA, verification is not just a name XXXX  is a sworn affidavit or certified statement of truth. Per XXXX XXXX. XXXX, your continued reporting without proper verification is willful noncompliance. 

I demand proof of delivery of the initial dunning letter within XXXX  days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original creditor nor a valid assignee. Debt buyers are not creditors under the law. 

This account is still within the federal debt validation window, per XXXX. Failure to comply will result in further action to seek justice for the harm caused.

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 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
In early XXXX, an account from National Credit Systems was reported to the credit bureaus, reflecting a balance of {$26000.00} and stating it was placed for collection. I have never resided at the property in question, never received services at the address tied to this account, and never agreed to be financially responsible for any charges related to it. Despite this, the account was reported under my name and remains on my credit report, severely damaging my creditworthiness. 

On XX/XX/XXXX, I sent a formal dispute and debt validation request to National Credit Systems, exercising my rights under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i and 1681s-2 ). I requested full validation of the alleged debt, including a signed lease agreement, itemized billing, and documentation showing I legally resided at the property. 

As of today, I have received no response or validation whatsoever, which constitutes a violation of federal law. Yet the company continues to report this account to the credit bureaus. This is not only inaccurate but also illegal under FCRA 623 for furnishing false or unverifiable information.

I am requesting that this matter be investigated and that National Credit Systems be held accountable for its failure to comply with federal consumer protection laws. I am also requesting that this account be deleted from all credit reporting agencies immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: AR

Complaint narrative:
I have reviewed a copy of my credit report and noticed there is some inaccurate and fraudulent information on my account. It is hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Formal Request for Removal of Negative Items and Hard Inquiries under 15 U.S.C. 1692 ( c ) To Whom It May Concern : I am writing to formally dispute and request the immediate removal of certain negative items and unauthorized hard inquiries currently listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ), I am exercising my right to request that these items be removed or validated.

Specifically, this section of the FDCPA outlines the consumers right to limit communications and correct information that is either inaccurate or unverifiable. In accordance with this law, I am requesting that your agency : 1.Provide full validation of each disputed negative item and hard inquiry as required by federal law.

2.Remove any item or inquiry that can not be verified with original documentation directly from the creditor or furnisher.

3.Cease and desist from reporting any unverifiable or inaccurate information moving forward. 

Please note that any negative item or inquiry that can not be properly validated within 30 days must be removed from my credit file immediately, as required under the Fair Credit Reporting Act ( FCRA ) and the FDCPA. 

Please respond to this request in writing and confirm whether these items have been removed or what documentation you are relying on to continue reporting them. I am also requesting that all future communication be conducted via mail to maintain a clear record of correspondence. 

Failure to respond to this notice or verify these accounts in accordance with federal law will be interpreted as your inability to validate the disputed items and will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly civil action. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-07-13 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: NY

Complaint narrative:
I formally disputed these accounts, and in return, received only vague " verified '' responses a practice that fails to meet the legal standard established in XXXXXXXX XXXX  Equifax, XXXX XXXX XXXX ( 7th Cir. 2007 ). I never received : Any method of verification ACDV documentation Reinvestigation summaries Source of verification FCRA compliance procedures Their failure to respond properly violates : FCRA 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate with relevant info 1681i ( a ) ( 5 ) ( B ) failure to notify of reinsertion 1681i ( a ) ( 6 ) no written reinvestigation result 1681i ( a ) ( 7 ) no method of verification provided 1681s-2 ( b ) furnisher failed to conduct lawful investigation 1681e ( b ) failure to ensure maximum possible accuracy 1681n and 1681o civil liability for willful/negligent noncompliance

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 2025-07-13 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 formally disputed these accounts, and in return, received only vague " verified '' responses a practice that fails to meet the legal standard established in XXXXXXXX XXXX  Equifax, XXXX XXXX XXXX ( 7th Cir. 2007 ). I never received : Any method of verification ACDV documentation Reinvestigation summaries Source of verification FCRA compliance procedures Their failure to respond properly violates : FCRA 1681i ( a ) ( 1 ) ( A ) failure to reinvestigate with relevant info 1681i ( a ) ( 5 ) ( B ) failure to notify of reinsertion 1681i ( a ) ( 6 ) no written reinvestigation result 1681i ( a ) ( 7 ) no method of verification provided 1681s-2 ( b ) furnisher failed to conduct lawful investigation 1681e ( b ) failure to ensure maximum possible accuracy 1681n and 1681o civil liability for willful/negligent noncompliance

Company response to consumer: Closed with explanation