vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-04 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: SC

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-09-04 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Can't close your account
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I have been trying for three months to get on my Affirmation account. I finally had time to talk with them. I asked that my account be closed. I was asked the same questions 6 times. I asked if the info did not match. The agent just kept asking questions. I am a victim of identity theft for thousands of dollars. I then told her if the information doesnt march you allowed someone to change it. The account needs to be closed for fraud immediately. I asked for a recorded line when I was transferred. New agent same XXXX questions. I ask if the information matches. No it doesnt. But they cant change mine bwcayse I dont have the right info. They cant close account for same reason. I stated on the recorded line before I hung up that they wont help with fraud by closing my account. I will be reporting them and want the last 3 member payments returned. I stayed any charge from this day forward if fraud. I will not pay it and I will need a written statement saying they would not close my account due to fraud. Affirm is horrible people who need to be stopped

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I gave a company out of XXXX WI called Dobberstien Law XXXX that is trying to collect a debt that I never took out from a closed account that was closed for 2 years prior to this supposed deposit. I have the paperwork for the small claim court and the letter that I got from the Bank and they are so wrong how can I get a loan deposit on a closed account from a loan company that went bankrupt a year earlier I have the proof and I want full procecution for this since my state won't help me I did send all of the information I had they refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
Letter sent to agency To Whom It May Concern.

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 
Thank you,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Alleged debt was dismissed by court on XX/XX/2XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: GA

Complaint narrative:
I am filing a complaint against Equifax, Experian, and TransUnion for failing to provide a lawful method of verification and for continuing to report inaccurate information on my credit reports. I disputed several items, but the bureaus have not provided the reinvestigation details required under 15 U.S.C. 1681i ( a ) ( 7 ), including the names, addresses, and phone numbers of furnishers, as well as documentation relied upon. 

Disputed items include : incorrect employers ( XXXX XXXX XXXX XXXX ), collections ( XXXX XXXX XXXX ), charge-offs XXXX XXXX XXXX XXXX XXXX XXXX XXXX and late payments XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 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: CORELOGIC INC
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
In an accordance with the fair credit reporting act, the list of accounts above violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I looked at my credit my Credit file from all three credit reported agencies on XX/XX/XXXX, and notice some things are incomplete and not accurate. And according to the fair credit reporting act, whenever consumer reported agency prepares a consumer report. It should follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 ( i ) ( 5 ) they are supposed to do this, treatment of an inaccurate or unverifiable information. Please delete account and numbers from my credit file, delete account collections and hard inquiries from my credit file, because of multiple violations of the Fair Credit Reporting Act.

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 2025-09-04 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Name : XXXX XXXX XXXX XXXX : XXXX Phone : XXXX Address : XXXX XXXX XXXX Unit XXXX XXXX, CA XXXX Bank Information : Institution : Bank of America Account XXXX : [ XXXX XXXX ] Complaint Summary : I am submitting this complaint regarding a negative balance on my account caused by a confirmed system error. On [ XX/XX/XXXX ], XXXX, a Bank of America representative, documented the system error in my account notes. Despite repeated attempts to have this corrected and reimbursed, subsequent representatives, including a manager, have repeatedly stalled, deflected, and misrepresented the issue. 

XXXX of Events : [ XX/XX/XXXX ] : XXXX XXXX documented a system error affecting my account. 
[ XXXX ] : I spoke with [ XXXX XXXX, XXXX XXXX ] for over XXXX hours, providing a full timeline of events and requesting reimbursement based on XXXX note. 
[ XXXX, XXXX XXXX XXXX ] : Spoke with a manager who attempted to minimize the issue, claiming the system error only affected one account, and stated he needed to review transactions to authorize reimbursement. 
Throughout these interactions, I repeatedly requested the negative balance be corrected based on XXXX note, requested a case/reference number, and asked for proper documentation of the error. 

XXXX XXXX : The negative balance is directly caused by Bank of Americas system error, not by any action on my part. 
Bank of America representatives have stalled, deflected, and refused to authorize reimbursement despite clear documentation of the system error. 
This has caused financial inconvenience and is a moral/ethical issue in addition to a financial one. 

Requested Resolution : Reimbursement of the negative balance caused by the confirmed system error. 
Formal documentation and acknowledgment of the system error as per XXXX note. 
A case number/internal reference for tracking the resolution.

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 2025-09-04 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: GA

Complaint narrative:
Ive disputed inaccurate late payments with XXXX XXXX on my credit reports with Experian, Equifax, and TransUnion. Despite my dispute and documentation, the bureaus have continued reporting the same information without proper verification or reinvestigation. TransUnion denied my request without substantiation, and Experians response was non-specific. These late payments are harming my creditworthiness. I am requesting that XXXX XXXX remove these inaccurate late payments or delete the entire tradeline due to FCRA violations, specifically 607 ( b ), 611 ( a ), 1666, and 6802. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
Reported I owe XXXX} when I owe XXXX on a XXXX  personal loan, causing other accounts to lower limits and not extend credit to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: MI

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

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 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: FL

Complaint narrative:
I am disputing this alleged debt and requesting full validation. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am exercising my right to request that the debt collector provide complete documentation verifying the accuracy and legitimacy of this account. This includes, but is not limited to : The name and address of the original creditor ; The full account history showing how the balance was calculated ; A copy of the original signed agreement or contract ; Documentation that you are authorized to collect this debt. 

Until such validation is provided, this account should be reported as disputed under the Metro 2 guidelines to all consumer reporting agencies. Any attempt to collect without proper validation, or continued reporting of inaccurate or unverifiable information, may constitute a violation of the FDCPA, FCRA, and CFPB regulations. 

I request that all communication be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/XXXX Rented vehicle from XXXX ( XXXX ). 
XX/XX/XXXX Returned car on time as per reservation. Dropped keys in airport XXXX XXXX XXXX  ( per XXXX staff instructions ). Vehicle undamaged, fuel at original level. ( Page XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX falsely marked this as the return date, despite me no longer being in XXXX. Flight Itinerary showing I had left XXXX on XX/XX/XXXX ( Page XXXX ) Early XX/XX/XXXX XXXX charged my Capital One card {$580.00} and {$1000.00}. No receipts, invoices, or explanations were provided. 

XX/XX/XXXX I contacted XXXX multiple times. They claimed that if a key was lost, I should file a police report, yet I returned the key as instructed. They also indicated they retrieved the key on XX/XX/XXXX. They never clarified the specific charges and eventually stopped responding. If the charges are for a lost key, why am I being charged if they couldnt find a key in their own office when it was dropped off in the designated After Hours XXXX XXXX hole? 

XX/XX/XXXX I disputed the charges with Capital One, providing photo evidence and odometer documentation. Capital One initially closed the dispute on XX/XX/XXXX citing insufficient documentation, however I do not have any statement for the {$580.00} and {$1000.00} charges since they never notified me of these charges. 

This was booked via capital one travel and they have failed to help me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-04 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Equifax has engaged in a blatant pattern of bad-faith obstruction that directly violates the Fair Credit Reporting Act. Since early XXXX, Equifax has had my dispute on file with no resolution or substantive action. Instead of processing my dispute, Equifax issued letters on XX/XX/XXXX and XX/XX/year> claiming it could not locate my credit file " with the identification information provided ''. Yet, in the very same letters it stated it could place a fraud alert on my file and even invited me to provide a phone number for creditors to use before granting credit. If Equifax truly had no file, it could not possibly attach a fraud alert. This is contradictory, misleading, and designed to confuse the consumer. On XX/XX/year>, Equifax escalated its misconduct by labeling my valid dispute " frivolous '' despite having already received my identifying documentation multiple times. Equifax 's letters added to the obstruction by providing multiple different mailing addresses for submitting my identifying documents. This is confusing, unnecessary, and designed to create consumer error. The FCRA requires clear and straightforward procedures, yet there is nothing straightforward about Equifax 's conduct during disputes. Equifax is continuously muddying the process to delay compliance. Consumers should not have to guess which address is valid just to have their rights honored. Equifax 's repeated contradictions show not mere clerical error, but a willful pattern of obstruction that leaves the consumer with no meaningful path forward. These actions are stalling tactics that undermine and obstruct the dispute process, deny me a fair reinvestigation, and violate the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: CT

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX filed XX/XX/2018 XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2025-09-04 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: NV

Complaint narrative:
I am disputing inaccurate late payment reporting being published on my credit file. The source of this information is XXXX XXXX XXXX ( XXXX ), XXXX, and the data being reported by your bureau is false, inconsistent, and incomplete. Specifically, multiple late payments are showing on my XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXXXXXX XXXX XXXX accounts even though these accounts are current and in good standing. 

I requested verification and correction of this information from XXXX XXXX, but the inaccurate reporting remains on my credit file. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, your bureau is required to conduct a reasonable reinvestigation of disputed information, and under 15 U.S.C. 1681e ( b ), you must maintain maximum possible accuracy in consumer reports.

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 2025-09-04 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: OH

Complaint narrative:
XXXX bank will not remove their account from my credit report after multiple attempts. I believe this account is a result of fraud. I would like this account to be removed from my credit reports from all three bureaus. This account is involved in litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
I previously filed two CFPB complaints ( Case # XXXX and XXXX # XXXX ) against JPMorgan Chase regarding an auto lease that ended in XX/XX/XXXX. The account was reported as {$0.00} balance for years. Suddenly in XXXX, the account was reclassified as open and showing a {$4800.00} balance. This is clearly an attempt to re-age the debt past the 7-year reporting limit under the Fair Credit Reporting Act ( FCRA ). 

I requested validation of this new balance, a full breakdown of charges, certified proof of mailing for the XXXX letter they referenced, and any legal justification for changing the account status. They failed to provide any of that. 

I am requesting the CFPB force deletion of this tradeline due to inaccurate reporting, re-aging, and non-compliance with FCRA 605 and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Global Lending Services LLC
State: FL

Complaint narrative:
I financed a car with XXXX XXXX XXXX over a year ago. I have always made my payments on time within the timeframe they give me, from the start of the bill to the day of the bill, or two or three days maximum after the bill starts. I have never missed a payment, and I have always had car insurance. I have always had good behavior because I want to take care of my credit which is the most important thing in this country, and now I see my XXXX XXXX account that they charged me a fee of {$370.00} for a late payment when I have never had any late payments, I never call and ask for explanations and they do not know how to give me explanations, they tell me that they are going to transfer me to another department, they play me and in the end nobody helps me and they do not give me an answer it is not a lot of money but for me it is and on my credit and I feel scammed the first time I got this car my cousin, the manager of a dealer, recommended it to me, but I already realized that he also failed me, because when I saw the Reviews of this company XXXX XXXX XXXX everyone said they were scammers and things had happened, I thought that if I behaved well, it would not happen to me, but although I have behaved well all this time, they did it to me too, without any reason or explanation

Company response to consumer: Closed with explanation