vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX

Complaint narrative:
I am filing this complaint regarding inaccurate and misleading credit reporting by FAIR COLLECTION in violation of the Fair Credit Reporting Act ( FCRA ). 

FAIR COLLECTION is reporting a derogatory tradeline on my credit report with the status listed as Collection / Charge-Off and a balance of {$9300.00}. The account contains multiple material inaccuracies and incomplete information that can not be reasonably verified. 

Most notably, the tradeline lists a Reported date of XX/XX/year>, which is a future date. Credit reporting information must be accurate and current. A future reporting date is factually impossible and renders the tradeline inaccurate under FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ). 

Additionally, FAIR COLLECTION is reporting the account as both a collection and a charge-off. A charge-off may only be reported by the original creditor. FAIR COLLECTION is a third-party collection agency and has not demonstrated that it is the original creditor or otherwise authorized to report a charge-off status. This dual status is misleading and materially inaccurate. 

The tradeline is also incomplete, with required fields such as last payment date, monthly payment, loan type, and loan term left blank. Reporting materially incomplete information violates FCRA 623 ( a ) ( 2 ) and makes the account unverifiable as reported. 

I previously disputed this account, and the credit bureau responded with a generic statement that the account meets FCRA requirements. However, no explanation was provided as to how a future reporting date or improper charge-off designation could be verified. A boilerplate response does not satisfy the requirement for a reasonable reinvestigation under FCRA 611 ( a ) ( 1 ) ( A ). 

Because the information reported is inaccurate, incomplete, and internally inconsistent, it should be deleted or fully corrected. FAIR COLLECTION has failed to meet its obligations under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IN

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Chime Financial Inc
State: TX

Complaint narrative:
This debt was sold by a creditor to a third-party debt collector. I informed the company that the debt was not mine and that I want it removed. The collection agency stated that the original debtor verified the debt, but did not provide me with any proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: TX

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

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 2025-12-26 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: NJ

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-12-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Army and Air Force Exchange Service
State: GA

Complaint narrative:
In XX/XX/XXXXXXXX  I was notified of a debt that was being reported to my credit report in collections from AAFES of an amount of {$3800.00}. When I called to get more information I was told the debt was now being collected with XXXX XXXX XXXX which I knew nothing about any debt being sold. The last payment on the credit report was for XX/XX/XXXXXXXX  which I never made any payment to anybody I called XXXX and ask can they send an payoff amount they never sent it its been 3 weeks since I asked for the information. I also sent in a Debt Validation Letter XX/XX/XXXXXXXX  they received it XX/XX/XXXXXXXX  I havent heard anything back and I have been calling to discuss this debt with them they always transfer me to another department every time I can not get any answers from them about this debt. This being on my collections is hindering me from making lifelong purchases in my life and is putting a financial hold on me. I call and call and call just to be put on hold waiting. They wont give me information on the original delinquency date, or anything revolving around the debt. Its also in a closed state which if its closed it shouldnt be reporting negatively.

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 2025-12-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CL Holdings LLC
State: NY

Complaint narrative:
I previously submitted a complaint regarding this account approximately XXXX months ago. I did not respond to the companys initial reply at that time. I am now providing updated information and requesting CFPB assistance based on continued issues and newly confirmed facts. 

In XXXX, XXXX XXXX XXXX sent me a letter offering XXXX options regarding my vehicle account : XXXX. Enter into a payment plan or settlement, or XXXX. Voluntarily surrender the vehicle so it could be auctioned and the debt considered satisfied. 

Before I made my first payment, a XXXX XXXX representative told me that if I made the initial payment, XXXX XXXX would send me a copy of the vehicle title so the vehicle could be properly registered and put back on the road. I relied on this statement when deciding to make payments rather than surrender the vehicle. 

After months of repeated calls and delays, I learned that XXXX XXXX never sent the information required to register the vehicle because they do not have the title and never had it. A XXXX has since confirmed that this misrepresentation occurred. 

Because XXXX XXXX does not possess the title, they were never able to provide the documentation required to register the vehicle, making the original promise false. As a result, I made payments I otherwise would not have made and lost the opportunity to choose the surrender-and-auction option that would have resolved the debt. 

I believe this conduct constitutes deceptive and misleading collection practices under the Fair Debt Collection Practices Act ( FDCPA ). I have requested that XXXX XXXX correct this situation by : XXXX. Reimbursing the payments I made based on the false representation regarding the title, and XXXX. Honoring the original surrender-and-auction option outlined in their XXXX correspondence, with written confirmation that the remaining balance is considered satisfied. 

Despite management acknowledging the error, the matter has been delayed and is reportedly being reviewed by XXXX XXXX legal department. 

I am requesting CFPB assistance to ensure this matter is resolved fairly, that my payments are reimbursed due to the misrepresentation, and that XXXX XXXX honors the original written option that I was prevented from exercising due to their inaccurate statements. 

I have retained documentation of all correspondence, payment records, and communications with XXXX XXXX XXXX. 

Thank you for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible 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 2025-12-26 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
To Whom It May Concern, I am writing in response to your reporting and/or communication regarding the alleged debt referenced below. This letter serves as a formal request for validation of the debt pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

Creditor Name : JPMCB CARD Account Number : Unknown I dispute this debt in its entirety. I do not acknowledge responsibility for this obligation, nor do I have any record of entering into a contractual agreement for this account. 

Please provide the following documentation to validate this debt : 1. Proof that I am legally obligated to pay this debt 2. A copy of the original signed contract or agreement bearing my signature 3. Documentation showing the complete payment history and amount claimed 4. The name and address of the original creditor 5. Proof that your agency is legally authorized to collect on this debt 6. The date of first delinquency Until you provide the requested validation, you are required to cease all collection activity, including reporting this account to any credit reporting agency. If this account is currently being reported to the credit bureaus without proper validation, I request its immediate removal.

This request is not a refusal to pay, nor is it an acknowledgment of any debt. It is a request for verification only. 

Please provide the requested documentation in writing within the time frame required by law. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 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: CBC Companies, 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 would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuection 605B of the Fair Credit Reporant to sting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
This is in response to the Credit Reporting business Experian and my interactions with them online on XX/XX/year> and online/calling on XX/XX/year>. 

I was recommended by other parties to set up a freeze on my credit reporting after another party tried to use my identify taking out a loan.

I attempted to sign up for an account online but their system either reports technical difficulties off and on for the past two days or informs me it can not confirm my identity and that I have to call or write to complete the process.

When I call, the automated system indicates it too has a problem but will not forward me on to a representative. Their writing method informed me I needed to send copies of identification documentation, which is not recommended from what I've learned.

Thus their refusal to allow incoming calls to access live operators leaves people that need to use their services in an impossible situation and more vulnerable such as is my case. 

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 2025-12-26 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: TX

Complaint narrative:
I am filing a complaint because Cash App denied my dispute for airline charges based only on its internal XXXX policy, without properly investigating my claim for services not provided or delivered as contracted. 

I used my Cash App XXXX to purchase XXXX XXXX tickets. The return flights were canceled by XXXX due to aircraft maintenance, which is an airline-controllable issue. This caused an overnight delay, disrupted travel plans, and baggage delivery delay and damage. Because the failure of service occurred on the travel dates, not the purchase date, it was not reasonably possible to know there was a dispute until after the XXXX window from the original transaction posting. 

I disputed the charge with Cash App. Cash App denied my dispute stating that it was over 60 days and refused to review further. I asked for reconsideration and explanation and was again told that it was outside 60 days, without any investigation into the underlying issue of services not rendered. 

This is not a simple refund request. It is a dispute for services not provided/delivered late. I am requesting that Cash App or its issuing bank reopen and properly investigate this dispute, rather than automatically denying it based on an internal timing policy. 

I am able to provide documentation including : airline receipt/itinerary proof of cancellation due to maintenance delay/baggage documentation Cash App denial messages I am requesting CFPB assistance to have my dispute reviewed properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to formally dispute the following account ( s ) and request an immediate investigation and removal in accordance with the Fair Credit Reporting Act. I am exercising my rights under 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block and cease reporting information resulting from identity theft, fraud, or inaccuracies upon receiving proper documentation.Submitted FTC report on accounts that are unauthorized and inaccurate on report. please see attach document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-26 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: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and unverifiable information being reported on my Equifax consumer credit file. Equifax is required under the Fair Credit Reporting Act to maintain accurate records and to conduct reasonable reinvestigations, yet my credit report continues to contain information that is incorrect or can not be properly verified. 

Equifax is reporting the account XXXX XXXX XXXX XXXX with a reported late payment and a date opened of XX/XX/XXXX. I am disputing the accuracy of the late payment history associated with this account. The information being reported does not accurately reflect my payment history, and Equifax must conduct a proper reinvestigation and correct any inaccurate late payment reporting. 

Equifax is also reporting the account XXXX XXXX XXXX XXXX  as a charge-off with a date opened of XX/XX/XXXX. I have no knowledge of this account, I do not recognize it as mine, and Equifax has failed to provide proper verification that this account belongs to me. This account must be fully investigated and removed if it can not be verified as accurate. 

Additionally, Equifax is reporting the account XXXX XXXX XXXX XXXX with a reported late payment and a date opened of XX/XX/XXXX. I am disputing the accuracy of the late payment history being reported on this account. Equifax must verify the accuracy of this information and correct any reporting that is inaccurate or unverifiable. 

Equifax is further reporting the account XXXX XXXX XXXX XXXX XXXX XXXX with a reported late payment and a date opened of XX/XX/XXXX. I am disputing the accuracy of the late payment information associated with this account. Equifax is required to conduct a lawful reinvestigation and correct any information that can not be fully verified. 

I am requesting that the CFPB require Equifax to conduct a reasonable and compliant reinvestigation of each item identified above and to delete or correct any information that can not be fully verified. Equifax must ensure that my credit report reflects only accurate, complete, and verifiable information in compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts are unrelated to me ; removal within 15 days is mandated by USC 1681g.

Company response to consumer: Closed with non-monetary relief