vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Violation XXXX XXXX XXXX XXXX ( a ) Congressional Findings and statement of purpose - consumer 's right of XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section XXXX XXXX USC XXXX XXXX. Please remove from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am hereby requesting an investigation into these items and their removal from my credit report. I understand that you will verify these items with the respective creditor. Any information that the creditor can not validate should be promptly removed. I am aware that under XXXX XXXX. Sec. XXXX ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter. 

Please send an updated copy of my credit report to the provided address. According to the aforementioned act, there should be no fee for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance regarding this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: VA

Complaint narrative:
To Whom It XXXX Concern : Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. Violation XXXX XXXX XXXX XXXX ( a ) Congressional Findings and statement of purpose - consumer 's right of XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX. The status is incorrect for the following account XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation of section XXXX XXXX USC XXXX XXXX. Please remove from my credit report XXXX XXXX XXXX  Account Number : XXXX Please remove this inaccurate information from my credit report. 

XXXX violation XXXX XXXX XXXX XXXX - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


In accordance with the Fair Credit Reporting Act, I am hereby requesting an investigation into these items and their removal from my credit report. I understand that you will verify these items with the respective creditor. Any information that the creditor can not validate should be promptly removed. I am aware that under XXXX XXXX. Sec. XXXX ( a ), this reinvestigation must be completed within 30 days upon receipt of this letter. 

Please send an updated copy of my credit report to the provided address. According to the aforementioned act, there should be no fee for this updated report. Additionally, I kindly request that you notify anyone who has received my credit report in the past XXXX months of any corrections made. 

Thank you for your attention and assistance regarding 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
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In 2022, i was unemployed and XXXX started to slow down so i couldnt afford my monthly payments. I missed 2 months consecutively and Ive made every payment before then and ever since it happened. Ive been in positive standing for 2 years and have been told that XXXX XXXX XXXX is willing to waive a late payment or XXXX if you call or wrote a goodwill letter. Im looking to get another car soon and not only are these 2 late payments from years ago still affecting me, this is also mh oldest account so my credit will get knocked down when i pay it off this month. All i want is for the 2 late payments to be removed and Ill gladly return to XXXX XXXX auto as a customer.

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 2025-03-25 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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:
Subject : Dispute of Collection Account Request for Removal Due to Lack of Debt Validation To Whom It May Concern, I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX. I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. Thank you for your prompt attention to this matter. I look forward to your response. 
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 explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In reviewing my Experian and Transunion reports I noticed that a collection from XXXX XXXX XXXX XXXX is reporting inaccurately. It has also surpassed the statute of limitations for the debt. It does not accurately list the date of first delinquency, which would have been in XXXX. It shows the account as being opened in XXXX. This is inaccurate as well. I would like a copy of the original agreement, ALL monthly statements from date account was opened, and all documents showing payments made from a valid bank account that is held in my name, and documentation showing they are legally allowed to collect this debt, along with a 1099 from the original account holder, showing they earned income by writing off this debt and selling it to the debt collector.

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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: V and H Portfolio
State: TX

Complaint narrative:
In reviewing my XXXX and XXXX reports I noticed that a collection from Vance & Huffman LLC is reporting inaccurately. It has also surpassed the statute of limitations for the debt. It does not accurately list the date of first delinquency, which would have been in XXXX. It shows the account as being opened in XXXX. This is inaccurate as well. I would like a copy of the original agreement, ALL monthly statements from date account was opened, and all documents showing payments made from a valid bank account that is held in my name, and documentation showing they are legally allowed to collect this debt, along with a 1099 from the original account holder, showing they earned income by writing off this debt and selling it to the debt collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: CA

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. These accounts were not opened or authorized by me, and I am unaware of their source. Under USC 1681g, I formally ask that they be deleted within 15 days. Please find enclosed documents for reference. Moreover, the reported account details vary across different credit bureaus.

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 2025-03-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
In XX/XX/year>. I applied for Barclays Aviator Aadvantage card online and got approved and card ends in XXXX. Due to a system error on Barclay, a duplicate Aviator card was opened and that card ends in XXXX. The Duplicate card ending XXXX was opened erroneously on XXXX 's end. It looks like your customer care agents mistakenly closed the card ending in XXXX instead of XXXX, but the error is not removed from my credit report. 
My credit report shows XXXX Barclays aviator card accounts. I have attached proof two Barclay aviator cards on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I recently discovered an account with XXXX XXXX under my name that I never opened. The account, opened on XXXX, has a past-due balance of {$930.00} and is linked to three different addresses in XXXXnone of which I have ever lived at. This fraudulent account has been sent to collections, but the debt collectors have not received a response from XXXX XXXX in two months. After finally reaching XXXX at XXXX XXXX, she flagged the account and advised me to file this report. I am submitting this complaint to dispute the account and request its removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: MI

Complaint narrative:
I've been involved with about XXXX data beaches including the Social security data breach and I'm being denied 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 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
All letters sent on XXXX, 2024 I sent letters to all three credit bureaus, Experian, XXXX and XXXX disputing theses debts for varias reason. Some were placed back in my report with telling me. 

comenitycb/ulta- XXXX XXXX a letter to the XXXX credit bureaus to explain the following accounts were inaccurate and the account had been closed/paid off and they continued to bill me for a monthly credit card that I had closed XXXX XXXX loan Opened in XXXX Explained to me the debt was charged off after XXXX  years and now the debt was transferred to XXXX. 

XXXX XXXX XXXX XXXX I asked them to validate this debt. I closed this account and switched my phone to another XXXX and they said I still had charges and they could not tell me what they were for. 


XXXX XXXX- XXXX {$3000.00} XXXX  XXXX- XXXX {$2800.00} XXXX XXXX  XXXX XXXX {$8400.00} These companies did not respond and I sent letters via certified mail. 
My account with Experian has several errors, addresses, and former employees. 
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 non-monetary relief
Consumer complaint received 2025-03-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
All letters sent on XXXX, 2024 I sent letters to all three credit bureaus, Experian, XXXX and XXXX disputing theses debts for varias reason. Some were placed back in my report with telling me. 

comenitycb/ulta- XXXX XXXX a letter to the XXXX credit bureaus to explain the following accounts were inaccurate and the account had been closed/paid off and they continued to bill me for a monthly credit card that I had closed XXXX XXXX loan Opened in XXXX Explained to me the debt was charged off after XXXX  years and now the debt was transferred to XXXX. 

XXXX XXXX XXXX XXXX I asked them to validate this debt. I closed this account and switched my phone to another XXXX and they said I still had charges and they could not tell me what they were for. 


XXXX XXXX- XXXX {$3000.00} XXXX  XXXX- XXXX {$2800.00} XXXX XXXX  XXXX XXXX {$8400.00} These companies did not respond and I sent letters via certified mail. 
My account with Experian has several errors, addresses, and former employees. 
Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-25 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: IL

Complaint narrative:
In XX/XX/year>, I submitted a forbearance application to Fifth Third Bank to explore my options. My application was denied. I never entered into forbearance or any modified loan agreement and have never missed a mortgage payment. Despite this, my credit score dropped XXXX points in XX/XX/year>. Fifth Third appears to have reported a forbearance or payment accommodation inaccurately, despite my full and timely payments. 

What happened : After receiving a denial for forbearance, I resumed regular mortgage payments without interruption. My payment history is spotless and well-documented. I reached out to Fifth Third through their chat platform ( with documentation ) and spent over an hour explaining my concern. They did not deny this happened, but refused to do anything until I let them know I'd been advised to escalate my concern to CFPB if they did not. Fifth Third ultimately mailed me a letter dated on XX/XX/year> claiming they had reported everything accurately, but without addressing the real issue. This felt dismissive and evasive. 

Fifth Third is also reporting multiple years of Unknown payment data to the credit bureaus, despite my consistent record of on-time paymentsan apparent violation of Fair Credit Reporting Act standards for complete and accurate reporting. 

Evidence I can share upon request : Screenshot showing a XXXX-point credit score drop on XX/XX/year>. 
Screenshot of my mortgage credit account showing unknown data for multiple years despite consistently paying on time as in all of my other accounts, which I can also easily document. 
Fifth Thirds letter dated XX/XX/year>, dismissing my inquiry without resolution. 
If necessary ( as they have private account info inside ) XXXX and XX/XX/year> mortgage statements showing full, early payments made with no late fees or modifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am filing a formal complaint against Cavalry Portfolio Services for reporting an alleged debt without providing proof of legal ownership. Under the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Regulation F. I have the right to request proper documentation verifying the legal ownership of this alleged debt. I am requesting the assignment of contract and complete chain of title to establish whether Cavalry Portfolio Services has the legal right to collect or report this debt. As established in XXXX XXXXXXXX XXXX XXXX XXXX XXXX, a debt collector must have a legally enforceable right to collect a debt. Additionally, XXXX XXXX XXXX XXXX XXXX reinforces that collection activity without proper documentation of ownership violates federal law..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: FL

Complaint narrative:
I called them on XX/XX/XXXX as well as wrote them a letter on XX/XX/XXXX about some names wrong as well as my work not correct. I was told that they would correct it but still have not done so.

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 2025-03-25 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: FL

Complaint narrative:
I called them on XX/XX/XXXX as well as wrote them a letter on XX/XX/XXXX about some names wrong as well as my work not correct. I was told that they would correct it but still have not done so.

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 2025-03-25 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: DISCOVER BANK
State: NY

Complaint narrative:
Unfair Late Fee on Closed Discover Card Account I'm seeking help with a frustrating issue. In XX/XX/year>, I paid off my Discover card balance in full, closed the account, and logged out. I had confirmed that there was no remaining balance or outstanding charges. 

However, in XX/XX/year>, Discover reported a late payment to XXXX, which I didn't discover until later. Here 's the shocking part : I never received any letter, bill, or notification from Discover about this alleged late payment. 

It's been over a year, and I've repeatedly requested that Discover remove this inaccurate late payment, citing Discover 's improper handling of my account. I'd appreciate any guidance on how to resolve this matter and have my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: DISCOVER BANK
State: NY

Complaint narrative:
Unfair Late Fee on Closed Discover Card Account I'm seeking help with a frustrating issue. In XX/XX/2023, I paid off my Discover card balance in full, closed the account, and logged out. I had confirmed that there was no remaining balance or outstanding charges. 

However, in XX/XX/2023, Discover reported a late payment to XXXX, which I didn't discover until later. Here 's the shocking part : I never received any letter, XXXX, or notification from Discover about this alleged late payment. 

It's been over a year, and I've repeatedly requested that Discover remove this inaccurate late payment, citing Discover 's improper handling of my account. I'd appreciate any guidance on how to resolve this matter and have my credit report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-25 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: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/year>. After multiple communications with the dealership, I was advised to return the vehicle to the dealership per the General Manager XXXX XXXX XXXX XXXX  XXXX XX/XX/year>. XXXX XXXX sent me an email stating that they would cancelling the sales contract on XX/XX/year>. However, the sales contract has not been cancelled and they have continued to report this account as derogatory to XXXX, XXXX XXXX Transunion, from XXXX than 90 days late to currently reporting as a charge off account. This account has been devastating to my credit rating.

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