vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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: MS

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 XXXX 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 explanation
Consumer complaint received 2025-11-24 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: MS

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 XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am a consumer simply trying to fix my credit. I am filing this complaint because the information being reported by the credit bureaus is inaccurate, incomplete, or can not be verified according to the FCRA. I am requesting a full reinvestigation and correction/removal of the accounts and inquiries listed below. 

Charged Off Accounts Charged Off Accounts Under Dispute ( No charged-off accounts listed for TU ) Inquiries Under Dispute XXXX  XX/XX/year> XXXX  XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MO

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made 4 claims with Wells Fargo on XX/XX/year> for totals of XXXX {$120.00} {$77.00} $ and XXXX $ I have never requested claims for Wells Fargo and I have been a customer for 7 years, I wasnt told a reason for denial of the XXXX $ which makes me think that they will deny the rest of the claims due to the claims being from the same merchant for all 4 claim totals. I did not authorize these payments and if checking my prior history I have never used the merchant 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
My purse was stolen and I noticed that I someone has stolen my identity. I reached out to the company several times. I also seen that fraudulent accounts were deleted and then added back with out notifying me. I requested these items be deleted and blocked from my credit file

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Resolutions Corp.
State: PA

Complaint narrative:
FAILURE TO PROVIDE VALIDATION!! 

Absolute Resolutions is reporting two collection accounts in my name without providing legally required debt validation. Their prior response was only a written narrative summary, not actual validation. 

They have repeatedly failed to provide : The original signed agreement A copy of any contract bearing my signature A full account history/transaction ledger A complete chain of title from XXXX XXXX  to ARI Proof that any notices were sent or received Any documentation linking me personally to these specific accounts This is not compliant with FDCPA 1692g ( b ) or FCRA 623 ( a ) ( 1 ) ( A ).

The company continues to report and verify these accounts with the credit bureaus despite not validating them. 

I am requesting CFPB assistance to force proper validation or require deletion of both accounts. 

Attachments include : Prior CFPB complaint Company response Credit report screenshots My dispute requests Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
Security Credit Services , LLC Re : Formal Cease & Desist + FCRA Deletion Demand Account No. XXXX Reported Balance : {$2300.00} I. CEASE & DESIST 15 U.S.C. 1692c ( c ) Once written notice is provided, a debt collector shall not communicate further with the consumer. This includes direct or indirect contact, and all forms of credit reporting or updating. 
CASE LAW : XXXX XXXX XXXX Acquisitions, 499 F.3d 926 Credit reporting is a collection communication. 
Foti v. NCO Financial Systems, 424 F. Supp. 2d 643 Indirect communications designed to induce payment violate the FDCPA.

II. FCRA DELETION DEMAND 15 U.S.C. 1681s-2 ( a ) Federal law prohibits you from reporting unverified, inaccurate, or disputed information. You must delete the reported balance of {$2300.00} and all associated data from all CRAs. 
CASE LAW : XXXX v. XXXX, 827 F.3d 1295 Furnishers must have evidence before verifying a disputed account.

XXXX v. XXXX & XXXX, 584 F.3d 1147 Furnishers must investigate and delete inaccurate reporting. 
III. REQUIRED ACTIONS 1. Cease all communication immediately. 
2. Delete all reporting of this account and balance.

3. Provide written confirmation within 10 days.

IV. NOTICE OF LIABILITY Failure to comply results in statutory damages, litigation, and regulatory complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OK

Complaint narrative:
American Express advertised a welcome offer of up to XXXX points when I applied for the card. I met all of the spending requirements, but Amex only issued XXXX points. I have contacted customer service more than ten times and my case has been closed twice without resolution. I have repeatedly asked Amex to provide the landing page or promotional terms tied to my application, and they have refused. This has been ongoing since XX/XX/year>. I am requesting that Amex provide the actual terms of the offer I applied under and issue the correct welcome bonus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting a formal complaint regarding the continued reporting of negative items on my credit report that are inaccurate and unverifiable. Despite prior disputes and documentation provided, these items remain on my credit file, negatively impacting my credit score and financial opportunities. 

Under the Fair Credit Reporting Act ( FCR

A ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable and request a thorough reinvestigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of all reported information. Continuing to report unverifiable or inaccurate information constitutes a violation of these legal obligations. I request the following actions be taken immediately : Conduct a complete
reinvestigation of the disputed negative items referenced in my attached letter.

Remove any items that can not be verified or are found to be inaccurate.

Provide written confirmation of the investigation results and any actions taken to correct my credit report.

Failure to correct these continuing inaccuracies may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as legal action to enforce my rights under the FCRA.

I expect urgent attention to ensure my credit report reflects only accurate, complete, and verifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I am submitting a formal complaint regarding the continued reporting of negative items on my credit report that are inaccurate and unverifiable. Despite prior disputes and documentation provided, these items remain on my credit file, negatively impacting my credit score and financial opportunities. 

Under the Fair Credit Reporting Act ( FCR

A ), 15 U.S.C. 1681i, I have the right to dispute any information on my credit report that is inaccurate, incomplete, or unverifiable and request a thorough reinvestigation. Additionally, 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of all reported information. Continuing to report unverifiable or inaccurate information constitutes a violation of these legal obligations. I request the following actions be taken immediately : Conduct a complete
reinvestigation of the disputed negative items referenced in my attached letter.

Remove any items that can not be verified or are found to be inaccurate.

Provide written confirmation of the investigation results and any actions taken to correct my credit report.

Failure to correct these continuing inaccuracies may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as legal action to enforce my rights under the FCRA.

I expect urgent attention to ensure my credit report reflects only accurate, complete, and verifiable information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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: Affirm Holdings, Inc
State: MN

Complaint narrative:
I was alerted XX/XX/XXXX through XXXX XXXX systems a credit collection agency that I was in collections due to an account on Affirm credit company. Which I did not authorize or sign up for in XXXX. They have sent me close to XX/XX/XXXX pages of dispute letters through the credit collection agency. I have no knowledge nor did I sign up for this account and when looking on all three credit reporting companies Affirm does not appear on any credit reporting companies nor does the collections appear on any of the credit reporting sites.

The amount totals up to over {$3000.00} on several different occasions of charges The credit collection agency did not have my complete information, including my email to email me any of these letters I formally receive them through postal mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
Please take a moment to review this entry ; it could be flawed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ray Klein, Inc.
State: IL

Complaint narrative:
PROF is falsely reporting on my credit. I have never had any accounts with them. Per my research PROF is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: TX

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may 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 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I filed a XXXX  XXXX bankruptcy which was discharged in 2018 and included my loan with Capital One Auto. Capital One continues to put this on my credit report as a charged off loan with monthly reporting of derogatory statuses. I have disputed this with the credit bureaus multiple times. Since doing so Capital One has added the comment of Reaffirmed Debt. I originally was going to reaffirm this debt and my attorney did not file the paperwork with the bankruptcy court by the deadline. My attorney filed for an extension and the judge declined the request. I have confirmed with my attorney and the bankruptcy court that this reaffirmation agreement was never approved by the judge and therefore is not a legal agreement. My attorney and myself have sent this information to Capital One Auto on multiple occasions. I have also personally reached out to Capital One multiple times by phone. They have told me they are not changing the status to correctly reflect that this account was included in my discharged bankruptcy. I am attaching the original bankruptcy discharge, the proposed reaffirmation agreement, and the declined extension request from the judge. This is damaging my credit report and I am getting denied for a Heloc because of this. I would appreciate any help that I can receive in getting this corrected.

Company response to consumer: Closed with non-monetary relief