vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I am formally disputing the American Express account status ending in XXXX, which is reported as a charge-off on both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The account was charged off and closed in XXXX, yet as of XX/XX/XXXX, both credit bureaus are continuing to show a balance of {$2100.00} and are reporting monthly charge-off status updates well beyond the charge-off date. These updates constitute illegal re-aging of the account and violate FCRA 1681c ( a ) ( 4 ), which prohibits continued furnishing of derogatory payment history that misrepresents the true age of the debt. There has been no consumer activity, payment, or contractual reauthorization since the original charge-off, as verified by the credit report histories showing no activity in XXXX XXXX XXXX. Furthermore, the monthly charge-off designations and balance reporting are materially inaccurate and misleading, violating FCRA 1681e ( b ), which requires all consumer credit information to be reported with maximum possible accuracy. There is also an inconsistency in the way Experian and Equifax report the balance amount, making the tradeline unverifiable and subject to deletion under FCRA 1681i ( a ) ( 5 ) ( A ). Additionally, no IRS Form 1099-C has been issued to reflect cancellation of this debt, which violates IRS Code 6050P, requiring financial institutions to issue a 1099-C when {$600.00} or more in debt has been discharged, especially when labeled as Profit and Loss Write-Off. Reporting this account as charged-off and maintaining an active balance without meeting the tax reporting obligations further confirms that this account is no longer legally collectible and is being reported in bad faith. I also object to the use of third-party verification systemsincluding XXXX, XXXX, XXXX, XXXX, or XXXX XXXXduring the reinvestigation process. These entities are not the original furnishers of the information and their use constitutes a violation of FCRA 1681b ( a ), which limits consumer data access to entities with a direct permissible purpose and consumer consent. Given that this account is closed, static, and reported with materially inaccurate and unverifiable data, I formally invoke FCRA 1681i ( a ) ( 8 ) and demand that this tradeline be deleted from both XXXX XXXX XXXX within XXXX ( XXXX ) business days. Failure to comply will result in escalation to the Federal Trade Commission, IRS XXXX XXXX XXXX, and other applicable federal authorities for further enforcement action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I was in a XXXX XXXX XXXX XXXX and was medically unable to work for 5 months. I reached out to Capital One to ask for assistance. They offered me a reduced payment of {$44.00} per month for 10 months. I was told I would not be able to use my card while I was in the program, but after I completed my payment plan the account would be brought current. 
I just saw that they reported my account late every month for XXXX consecutive months while I was in the program, going from XXXX XXXX to XXXX XXXX. I would never have agreed to the reduced payment offered by Capital One if I had been known up front that my credit would have been wrecked because of my involvement in the program offered to me, which was supposed to help me, not hurt my credit even more. Had I known what they would do to hurt my credit I would have denied the assistance and found a way to make sure they received the minimum payment every month. I feel that Capital One acted in bad faith and was deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
Experian XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

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 2025-05-07 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall, 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 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information, ( A ) in in general after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( I ) promptly delete that item of information from the file of the consumer or modify that item of of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Delete accounts, Account Name : XXXX  XXXX, Account XXXX Account Name : XXXX XXXX XXXX XXXX Account 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 2025-05-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Equifax is reporting two significant charge-off accounts, XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$900.00} and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) with a balance of {$1100.00}. These accounts are being reported as severely delinquent without any verifiable or properly substantiated documentation. A charge-off is a drastic measure and should only be reported when the debt is both legally valid and genuinely uncollectible, yet Equifax has provided no proof that these debts meet those criteria. I have never received any clear, complete, or accurate account history, statements, or original signed agreements demonstrating the legitimacy of these accounts. Moreover, the presence of these items suggests a failure by Equifax to properly verify the accuracy and integrity of data before it is placed on a consumers reporta clear violation of the Fair Credit Reporting Act ( FCRA ). 

Additionally, Equifax is listing a hard inquiry from XXXX dated XX/XX/year>, which I do not recall authorizing. Given the frequency of data breaches and the increasing risk of inaccurate credit reporting due to compromised data, I am concerned that this inquiry may have been placed without my explicit consent or may be the result of a data matching error. Hard inquiries can significantly lower a credit score and should never be included on a report without documented authorization from the consumer. The combination of these charge-off accounts and this unverified inquiry is not only damaging to my financial reputation but also legally questionable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: AR

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL, XXXX XXXX XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX Washington XXXX DC XXXX Subject : Dispute of Collection Account Reported by Jefferson Capital Systems To Whom It May Concern, I am writing to formally dispute a collection account currently reported by Jefferson Capital Systems on my credit report. The account details are as follows : Creditor : Jefferson Capital Systems Original Creditor : XXXX XXXX Account Number ( partial ) : XXXX Date Opened : XX/XX/year> Reported Balance : {$960.00} Status : Collection Account as of XX/XX/year> I am requesting the removal of this collection account from my credit report on the grounds of the following concerns : 1. Debt Validation Not Provided : I have not received proper validation of the debt under the Fair Debt Collection Practices Act ( FDCPA ). I dispute the validity and accuracy of this debt and request that all collection activity cease until the debt has been fully validated.

2. Account May Be Inaccurate or Fraudulent : I have reason to believe the debt may be reported inaccurately or without proper legal ownership, as I have not received a notice of assignment from XXXX XXXX nor appropriate documentation confirming Jefferson Capitals legal right to collect.

3. Failure to Provide Full and Fair Reporting : The account shows an open status and a past due balance despite being in collections, which may violate Fair Credit Reporting Act ( FCRA ) standards for accurate and fair reporting.

Under the Fair Credit Reporting Act, I request that this account be investigated and, if it can not be properly validated, that it be permanently deleted from all consumer reporting agencies.

Please confirm receipt of this dispute and inform me of any findings following your investigation. I am enclosing a copy of my identification and a copy of my credit report showing the account in question for your reference. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AZ

Complaint narrative:
Experian has a duplicate account on my credit report all with different info, dates, amounts. the account was warranted to be removed over a year ago and then they put it back on twice. I have disputed several times to the ooont where their system says I can not dispute anymore bc its already been investigated. This is illegal!!! They XXXX XXXX XXXX everything immediately! 


XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Experian XXXX  Account # : XXXX XXXX XXXX Account Type : Open account INSTALLMENT Open Account Account Type - Detail : Open account Debt Buyer Open Account XXXX Code : Individual account Individual Individual Account Account Status : NotsatisfyingF NotsatisfyingF XXXX XXXX Monthly Payment : Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$4800.00} {$4800.00} {$4800.00} No. of Months ( terms ) : 1 Month High Credit : {$4800.00} {$4800.00} {$4800.00} Credit Limit : - - Past Due : {$4800.00} {$4800.00} Seriously past due date / assigned to attorney, collection Payment Status : agency, or credit XXXX & XXXX ; XXXX internal collection department Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Dispute resolved; XXXX XXXX investigation of FCRA spate COLLECTION ACCOUNT Second Account Account Type : Overdraft / reserve checking account REVOLVING Account Type - Detail : Overdraft / reserve checking account Line Of Credit Bureau Code : Individual account Individual Account Status : Indeterminate Indeterminate Monthly Payment : {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : Revolving High Credit : {$3700.00} {$3700.00} Credit Limit : {$5000.00} {$5000.00} Past Due : {$0.00} {$0.00} Payment Status : Collection account Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was a victim of identity theft. There are inquiries on my Experian and Transunion credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-07 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: MA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Aidvantage ( previously Navient ) for failing to execute a lawful loan discharge under the Income-Driven Repayment ( IDR ) Adjustment provision, in clear violation of : 20 U.S.C. 1087e ( d ) requiring loan discharge after 240 qualifying payments, and 34 CFR 685.206 obligating servicers to provide accurate information and not obstruct borrower rights.

I have made 609 cumulative qualifying payments across 8 federal student loans dating back to XXXX, as detailed below. These include periods of repayment, forbearance, and defermentmuch of which qualifies under the IDR Account Adjustment rules issued by the Department of Education. 

Payment Breakdown ( based on my account records ) : XXXX Stafford Subsidized : XXXX payments XXXX Stafford Unsubsidized : XXXX payments XXXX Stafford Subsidized : XXXX payments XXXX Stafford Unsubsidized : XXXX payments XXXX Direct Loan Subsidized : XXXX payments XXXX Direct Loan Unsubsidized : XXXX payments XXXX Direct Loan Subsidized : XXXX payments XXXX Direct Loan Unsubsidized : XXXX payments Total : XXXX payments In XXXX, I contacted XXXX/Aidvantage  and explicitly requested my IDR adjustment months count. The representative verbally confirmed that my total payments exceed the XXXX requirement under IDR forgiveness, and that my loans were eligible for full discharge by XX/XX/XXXX. 

However, they also informed me that my discharge has been delayed due to technical limitations and staffing issues, not because of ineligibility. As of today, I am still waiting for this discharge to be honored, despite statutory eligibility.

The Higher Education Act mandates loan forgiveness after 240 payments under IDR plans ( 20 U.S.C. 1087e ( d ) ).

Federal regulation ( 34 CFR 685.206 ) requires servicers to uphold borrower rights and not impede lawful discharge. 

I am now suffering financially and psychologically from an unjust delay that contradicts both the spirit and the letter of the law. Being currently unemployed, and interest continually accruing, it is unlikely that I can ever catch up on paying these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
reinserted too late payments that have been removed from my account XXXX XXXX they continually reinsert remove and re-insert different information depending on the credit report this reinsertion has cost me the ability to buy a home because it dropped my credit score XXXX points before closing TransUnion refuses to speak with me about it I am showing Multiple TransUnion reports where these payments have been removed and reinserted this needs to stop transunion needs to permanently block the information on these two late payments as either XXXX XXXX continues to try to re-insert them after they were removed or transunion does it on their own. I am not sure. I just know that this is violation of 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 non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: SC

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

Company response to consumer: Closed with non-monetary relief