vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : # ( XXXX XXXX  ) Account Number : XXXX Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: LA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : # ( XXXX XXXX  ) Account Number : XXXX Date of Charge-Off : [ XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper.

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 2025-07-08 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. 
Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 
Furthermore, the statute of limitations for reporting a charge-off is seven years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ).

Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 
I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide written confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-08 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX # XXXX - Date Opened XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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: Fidelity National Information Services, Inc. (FNIS)
State: GA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX : Ongoing Inaccurate Late Payment Reporting Request for Reinvestigation Filed Under : Fair Credit Billing Act ( FCBA 1666 ) and Fair Credit Reporting Act ( FCRA 1681i, 1681s-2, 1681e ( b ) ) I, XXXX XXXX XXXX am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate reporting of a late payment on my consumer credit file. This is a follow-up to my initial dispute submitted over XXXX  days ago. 

I am exercising my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ) and the Fair Credit Reporting Act ( FCRA ) to ensure that the information being reported about me is accurate, complete, and verifiable. 

The account listed below continues to reflect a late payment, despite my dispute outlining potential billing errors, including : Failure to properly reflect a payment or credit ; Computation or accounting mistakes by the creditor ; Lack of timely advance notice ( at least XXXX days ) before applying late fees or reporting delinquencies. 

Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment ( Open Account ) To date, I have not received any documentary evidence substantiating the accuracy of the reported late payments. As a consumer, I am entitled to a reinvestigation and the full method of verification, including : The name and contact information of the person or entity that verified the payment history ; The actual documentation used to verify the payment status. 

Additional Action : Because my original dispute was not resolved in accordance with the timeframes and standards set forth under federal law, I am now submitting this complaint to the following regulatory bodies : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attorney Generals Office

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 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Complainant : XXXX XXXX XXXX : Ongoing Inaccurate Late Payment Reporting Request for Reinvestigation Filed Under : Fair Credit Billing Act ( FCBA 1666 ) and Fair Credit Reporting Act ( FCRA 1681i, 1681s-2, 1681e ( b ) ) I, XXXX XXXX XXXX am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding the continued inaccurate reporting of a late payment on my consumer credit file. This is a follow-up to my initial dispute submitted over XXXX  days ago. 

I am exercising my rights under the Fair Credit Billing Act ( 15 U.S.C. 1666 ( b ) ) and the Fair Credit Reporting Act ( FCRA ) to ensure that the information being reported about me is accurate, complete, and verifiable. 

The account listed below continues to reflect a late payment, despite my dispute outlining potential billing errors, including : Failure to properly reflect a payment or credit ; Computation or accounting mistakes by the creditor ; Lack of timely advance notice ( at least XXXX days ) before applying late fees or reporting delinquencies. 

Disputed Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Issue : Late Payment ( Open Account ) To date, I have not received any documentary evidence substantiating the accuracy of the reported late payments. As a consumer, I am entitled to a reinvestigation and the full method of verification, including : The name and contact information of the person or entity that verified the payment history ; The actual documentation used to verify the payment status. 

Additional Action : Because my original dispute was not resolved in accordance with the timeframes and standards set forth under federal law, I am now submitting this complaint to the following regulatory bodies : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attorney Generals Office

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 2025-07-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, I set up a payment plan with Chase for my Sapphire credit card ending in XXXX, after falling behind due to financial hardship following a layoff. Before agreeing to the plan, I explicitly asked if the account would remain open. On a recorded line, the representative repeatedly assured me that as long as I followed the plan, the account would not be closed.

I made all payments on time and in good faith. Just days after completing the final payment, Chase closed the account anyway. When I called for clarification, I was told the closure was not related to the payment plan but simply because Chase decided to end the relationship. I was also told a letter had been sent, but I never received or acknowledged any such notice.

When I raised my concerns, a representative told me that a supervisor would review the call and notate the account, but that no further action would be taken. The situation as a whole feels misleading and unethical. I relied on the verbal assurances of a Chase representative and held up my end of the agreement. Despite doing exactly what was asked of me, my account was closed without warning. I am very concerned that this will now negatively impact my credit report and future lending opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 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:
Dear CFPB Officer, I am writing to formally submit a complaint concerning unresolved fraudulent activity on my credit report as a result of identity theft. I have filed an official Identity Theft Report with the Federal Trade Commission, and I am including that documentation with this complaint.

Despite having submitted all required supporting materialsincluding my FTC Identity Theft Report, proof of identity, and proof of addressto the credit reporting agencies and relevant data furnishers, the fraudulent information has not been fully removed. This failure constitutes multiple violations of my rights under the Fair Credit Reporting Act ( FCRA ).

Violations : The following provisions of the FCRA are applicable and have likely been violated : 15 U.S.C. 1681c2 ( a ) : Requires credit bureaus to block identity theft-related information upon receipt of an identity theft report and proper documentation.

15 U.S.C. 1681i ( a ) : Mandates a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681s2 ( b ) : Requires data furnishers to conduct a proper investigation and correct or delete inaccurate information after being notified of a dispute.

15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Requires notice within five business days of any reinsertion of previously deleted data.

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau take the following actions : 1. Order the permanent deletion of all fraudulent accounts, inquiries, and associated personal information from my credit reports.

2. Ensure written confirmation from each credit reporting agency reflecting these deletions and an updated copy of my credit report.

3. Investigate data furnishers and credit bureaus for noncompliance with FCRA obligations.

4. Prohibit reinsertion of fraudulent data without full legal compliance, including certification and written notice.

5. Recommend 12 months of free credit monitoring to mitigate ongoing risk due to this identity theft.

6. Pursue enforcement or civil penalties under FCRA 1681n and 1681o if any party willfully or negligently violated my rights.

Attached to this complaint are : FTC Identity Theft Report ( ID : XXXX ) Government-issued identification Proof of current address Copies of any relevant correspondence I appreciate your immediate attention to this matter and look forward to your assistance in resolving this issue and restoring the integrity of my credit file. 

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 2025-07-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: CA

Complaint narrative:
XX/XX/year> I made a transaction inside XXXX XXXX XXXX. The transaction was for {$35.00} which was declined. Then I see another transaction for {$25.00}. I showed the store manager the transaction he said cash app always does that. A lot of costumer complains. I asked them for a receipt they said they dont get a receipt. They said cash app takes the money out and it takes awhile for them to give the money back. I spoke to cash app cash app stated I had to wait 7 to 14 business days to get my money back, my question is why they declined the transaction but still took the rest of my money and now I have to wait 7 to 14 days that the rest of my money my last. This is unfair and I was not given notice this could happen I had insufficient funds which makes the transaction I sufficient which means no money should be taken off. I also had the same issue at other store where they will ask me for the remainder this store asked for the whole amount I want to make a complaint with both store cash app and XXXX XXXX since they both blaming each other however I feel cash app should have protected my moneys

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
I was in forbearance, but it is showing on my credit report that I have been late on my mortgage payments during that timeframe. It should not show a reporting of it being late during that timeframe.

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 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
RE : Debt Validation & Immediate Cease of Inaccurate Reporting Account Number : XXXX To Whom It May Concern : This letter constitutes a formal dispute and validation demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and Fair Credit Reporting Act ( FCRA ) 605B. The account referenced above is being reported as a collection account with a {$2000.00} past due balance, a violation of XXXX XXXX data standards, and no verifiable legal obligation exists between me and your company.

LEGAL DEMAND FOR VALIDATION Under FDCPA and FCRA, I hereby demand : The original contract or promissory note bearing my wet ink signature, proving a valid obligation exists.

Full chain of title from the original creditor to Jefferson Capital Systems.

A detailed breakdown of the amount allegedly owed, including principal, interest, fees, and collection charges.

Proof of Jefferson Capitals license to collect in the state of Georgia, as required by Georgias Department of Banking and Finance.

Proof of permissible purpose under FCRA 604 for furnishing data to consumer reporting agencies.

You are prohibited from continuing collection activity until full validation has been provided.

VIOLATIONS & MISCONDUCT Your company is currently furnishing an inaccurate and illegal tradeline, reporting this account as : A collection account with a {$2000.00} past due balance Open since XX/XX/XXXX with no substantiated payment history Continued monthly updates with delinquency ( XX/XX/XXXX ) This is a XXXX XXXX reporting violation and breaches the following consumer protection laws : FDCPA 807 ( 2 ) ( A ) Misrepresentation of legal status of debt FCRA 607 ( b ) Failure to report maximum possible accuracy FCRA 1681s-2 ( a ) ( 1 ) ( A ) Furnishing data known to be false FCRA 623 ( a ) ( 5 ) Improper delinquency and charge-off re-aging XXXX XXXX XXXX  Collection tradelines must not carry past due status Once an account is charged off or sold, it can not lawfully report as past due, as this misleads creditors and consumers alike. You are artificially inflating my debt burden and damaging my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Phone : XXXX Date : XX/XX/XXXX TO : Midland Credit Management , Inc . 
XXXX XXXXXXXX XXXX XXXX, MI XXXX RE : FORMAL DISPUTE & DEMAND FOR IMMEDIATE DELETION MULTIPLE INVALID ACCOUNTS To Whom It May Concern, This is a formal dispute and legal demand for immediate deletion and full validation of the following accounts that you are unlawfully reporting to the consumer reporting agencies : MIDLAND CRED Acct # XXXX {$160.00} MIDLAND CRED Acct # XXXX {$490.00} MIDLAND CRED Acct # XXXX {$860.00} MIDLANDCRE Acct # XXXX {$160.00} MIDLANDCRE Acct # XXXX {$490.00} MIDLANDCRE Acct # XXXX {$860.00} I am exercising my rights under federal law to demand full debt validation and immediate removal of these accounts from all consumer reporting agencies. Let me be clear I do not acknowledge these debts, and you have failed to provide lawful proof of your right to report or collect them. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I demand that you furnish the following documents within XXXX  days : The original wet-ink signed contract from the original creditor bearing my signature A complete itemized breakdown of the alleged balance owed Documentation showing the legal assignment or ownership transfer of the debt to your agency Proof that you had permissible purpose under 15 U.S. Code 1681b to access and report on my credit Evidence these accounts were not a result of identity theft, misreporting, or data breach ( FCRA 605B and 609 ( a ) ) Failure to provide these documents constitutes a willful violation of my consumer rights. I will take immediate legal action, including : Filing complaints with the CFPB, FTC, Illinois Attorney General, and XXXX  Demanding deletion through all major credit bureaus Initiating arbitration or civil litigation for violations of : FCRA 1681i, 1681s-2 ( b ) FDCPA 809 ( b ) UCC 3-501 I also hereby demand that no automated system such as XXXX be used to verify this data. That is not a legitimate investigation under the law and will be used as evidence in court. 

Final Notice : If you can not prove it, you must DELETE IT. 
No contract= No collection= No authority to report. 
You are now officially on notice. Failure to respond correctly and legally will result in escalated action. 

Govern yourselves accordingly. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation