vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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 writing to dispute fraudulent accounts that have been illegally opened in my name. This matter is of the utmost urgency, and I demand immediate correction of my credit report. The following accounts were fraudulently opened without my consent ( see attachment ). These accounts are fraudulent, and I did not authorize the creation of any of these accounts. I demand that these accounts be permanently removed from my credit report immediately. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. This situation has caused severe damage to my credit and has resulted in undue stress and Financial Loss. I expect prompt action in investigating and correcting this issue. I demand that the fraudulent accounts be removed and a new credit report be issued reflecting these changes. Please provide written confirmation that these fraudulent accounts have been deleted from my credit report. Failure to respond and correct this matter within 30 days will leave me no choice but to pursue all legal counsel to protect my rights.

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 2025-11-20 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: Click n' Close, Inc.
State: TX

Complaint narrative:
CLICK N ' CLO did hard enquiry which I am unaware of and reported in my credit report.Enquiry date I am seeing in report is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hello I called them I asked them for issue from capitol one they told me because the amount you put we refunded due to insufficient balance and they consider it late payment my credit was XXXX and now it is XXXX or lower every time it come to XXXX or XXXX capitol one do this and bring it back to low there for I have complaints about this and they are calling me a XXXX from capitol one. 
Please help me I was try to buy a house what they do they damage my background and career background. 
I have car payment it is alway on time even before time. 
I have other payment alway on time I have no late payments And once I told them I am recording g your answer they disconnect my phone. 

Please help me my kids need support I need help from your department

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am filing this complaint because the XXXX account # XXXX listed on my credit reports is being inaccurately reported and mishandled in violation of multiple federal consumer protection laws, causing significant harm and confusion. The account is currently reported with a balance of {$12000.00}, an opened date of XX/XX/XXXX, a last payment date of XX/XX/XXXX, and a 120-day late status, yet these dates and delinquency claims do not match my payment records or correspondence with the creditor. I previously disputed billing inconsistencies directly with XXXX, which places this matter under FCRA 15 U.S. Code 1666, requiring correction of billing errors, and during the dispute they were prohibited from reporting adverse information under 15 U.S. Code 1666a, yet they continued to furnish outdated and incorrect derogatory data to Experian, Equifax, and TransUnion. When I submitted disputes with the credit bureaus under CRA 611 ( 15 U.S.C. 1681i ), each bureau appeared to rely on automated or superficial verification rather than conducting a meaningful reinvestigation, despite clear inconsistencies in dates, delinquency timelines, and payment history. The furnisher, XXXX, has also failed to uphold its legal obligations under FCRA 623 ( a ) ( 2 ) to correct or update information they know or should know is inaccurate, and under FCRA 623 ( b ) to reasonably investigate the disputes forwarded to them by the credit bureaus.

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 2025-11-20 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: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is reporting a charge-off with contradictions in balance history, status updates, and payment history. The reported balance randomly drops to {$0.00} without any settlement or payment. The charge-off month does not match the status update month, and the payment history is inconsistent with the loan timeline. 

I disputed this with the credit bureaus, but they verified the account without providing the method of verification, original contract, or accounting ledger. 

This violates : FCRA 1681e ( b ) 1681s-2 ( a ) 1681i ( a ) ( for reinvestigation standards ) I am requesting that America First be required to let that the account be deleted as unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am submitting to formally dispute several inaccuracies present on my credit report issued. After reviewing my credit file, I identified multiple discrepancies that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate and correct these issues as soon as possible. Below, I have outlined each of the discrepancies in detail. 
XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXXXXXX * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last XXXX late 150 days XXXX XXXX reported in EQ and TU ONLINE IN SV Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} 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 Under FCRA 602 ( a ) ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of all information in a consumers credit report. I request that these incorrect addresses be removed and replaced with my current address. The inclusion of these outdated and incorrect addresses and accounts in my report is misleading and should be corrected. I request that you investigate these inquiries and remove them from my credit file if they were made without my consent or if no permissible purpose can be proven. Unauthorized inquiries can negatively affect my credit score, and it is imperative that they are corrected in accordance with FCRA guideline.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: NC

Complaint narrative:
I am submitting to formally dispute several inaccuracies present on my credit report issued. After reviewing my credit file, I identified multiple discrepancies that I believe violate my rights under the Fair Credit Reporting Act ( FCRA ). I request that you investigate and correct these issues as soon as possible. Below, I have outlined each of the discrepancies in detail. 
XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX  XXXX XXXX XXXXXXXX * * Balance Owed : {$0.00} Date Opened : XX/XX/XXXX Date of Last XXXX late 150 days XXXX XXXX reported in EQ and TU ONLINE IN SV Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$590.00} 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 Under FCRA 602 ( a ) ( 15 U.S.C. 1681 ), credit reporting agencies are required to ensure the accuracy of all information in a consumers credit report. I request that these incorrect addresses be removed and replaced with my current address. The inclusion of these outdated and incorrect addresses and accounts in my report is misleading and should be corrected. I request that you investigate these inquiries and remove them from my credit file if they were made without my consent or if no permissible purpose can be proven. Unauthorized inquiries can negatively affect my credit score, and it is imperative that they are corrected in accordance with FCRA guideline.

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 2025-11-20 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: GA

Complaint narrative:
I am a victim of identity theft since 2011 ongoing the stuff has not came off. They keep saying that is validated in his Meet and is not there was an arrest made by an officer and they still keep reporting this information to my report my life has been XXXX because of this I cant get anything theres several inquiries

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 2025-11-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
Well back in year XXXX or XXXX I tried to go get a car at a dealership in XXXX, South Carolina. Which a friend of mine worked there an called me back after putting in all my information. He called an ask me had I already got a XXXX car loan from the company BridgeCrest auto car loan online XXXX they had 24 months to pay it off an the payments wasn't behind an had been payed on time never behind. We'll I told him I've never tried an didn't think I could get a loan. That's when I called the bureaus an reported it an froze my credit. I went an took out a identity theft report because the company when I called wouldn't give me any information. Which the friend of mine mentioned who ever it was had 24 months to pay car loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I am a victim of identity theft since 2011 ongoing the stuff has not came off. They keep saying that is validated in his Meet and is not there was an arrest made by an officer and they still keep reporting this information to my report my life has been XXXX because of this I cant get anything theres several inquiries

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 2025-11-20 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 a victim of identity theft since 2011 ongoing the stuff has not came off. They keep saying that is validated in his Meet and is not there was an arrest made by an officer and they still keep reporting this information to my report my life has been XXXX because of this I cant get anything theres several inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
COLLECTION : I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
In XX/XX/XXXX, Columbia Debt Recovery LLC began reporting a collection account that includes a {$9400.00} early termination fee. The resident ledger they provided shows this charge coded as XXXX Early termination fee dated XX/XX/XXXX ( Ledger page 1 ). 


However, I did not terminate the lease. The landlord/property management company ended the lease, not me. Because I did not initiate the termination, I can not legally be charged a lease-break penalty. 

Columbia Debt Recovery has not provided any documentation showing that I broke the lease or agreed to a termination fee. They provided only a ledger and a balance printout, which does not constitute validation under FDCPA requirements.

I reviewed my lease documents. There is a Lease Contract Buy-Out Agreement, but it was never completed or executed. On the Buy-Out Agreement form, the sections where the landlord must specify the buyout terms, termination dates, and conditions are completely blank. There is no box checked, no dates entered, and no terms provided ( Agreement pages 12 ).

Agreement Because the buy-out agreement was never completed, it can not be used to charge a buy-out fee or a
lease-break penalty.

My lease contract ( 13 pages ) does not state that I am required to pay a lease break fee when the landlord terminates the lease. The early termination provisions only apply if the resident initiates the termination, which I did not do ( Lease pages 113 ).

Despite this, Columbia Debt Recovery continues to report the {$9400.00} termination fee as collectible debt. XXXX  marked my dispute as Remains, even though the charges are not supported by any executed agreement or lease clause. 

I am requesting that Columbia Debt Recovery be required to provide proper documentation showing who terminated the lease and how these charges are contractually justified. If they can not provide this, I am requesting the removal of this account from all credit reporting agencies due to inaccurate and unsupported reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MN

Complaint narrative:
I sent a debt validation letter to Portfolio Recovery Associates on XX/XX/year> requesting validation of debt not verification. The collection agency has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: KS

Complaint narrative:
Summary of Issue I submitted an application for IBR in XX/XX/year> through XXXX I received confirmation that Model received my IBR application on XX/XX/year>, via electronic correspondence through the Mohela account portal. 
MOHELA did not process, acknowledge, or provide any status updates. 
I submitted a second IBR application through XXXX in XX/XX/year> after being told the first application had not moved. 
I received confirmation that Mohela received my second IBR application on XX/XX/year>, via electronic correspondence through the Mohela account portal. 
This second application has also not been processed. 
I have been told verbally that this delay is due to the SAVE Plan lawsuit.

However, both of my applications were submitted months before the injunction, and IBR processing is not suspended by the lawsuit.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, My name is XXXX XXXX, and I am XXXX XXXX XXXX. I am submitting this complaint regarding {$2700.00} in unauthorized sports betting transactions that occurred on my Chase debit card ending in XXXX. 

I did not authorize or participate in these transactions. I do not use smartphone for games or any kind of online betting apps, and I do not have any account with XXXX XXXX or any other sportsbook. I have attached written confirmation from XXXX XXXX stating that no account exists in my name, which proves I could not have placed or authorized these transactions. 

I filed a fraud claim with Chase on XX/XX/year> ( claim number XXXX ). Chase denied my claim, stating that because I had logged into my bank account before and after the transactions, they could not prove it was fraud. This reason is invalid simply logging into my own bank account does not mean I authorized outside gambling transactions.

I am requesting that the CFPB intervene because Chase has not properly helped me in any way shape or form. 
Can I please retest a senior-level review of my claim as a case of elder financial exploitation. 

I have attached all relevant documentation to support my case : Letter from Chase denying the claim and police report Written confirmation from XXXX XXXX showing no account exists in my name These transactions were clearly fraudulent, and I am requesting that Chase be directed to reverse the denial and fully refund the {$2700.00}. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NM

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 2025-11-20 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: NM

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least 21 days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer 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 non-monetary relief