vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: CA

Complaint narrative:
I am submitting to dispute the inaccurate reporting of late payment statuses associated with my XXXX XXXX XXXX and XXXX XXXX accounts as reflected on my Equifax, Experian and TransUnion credit report. After reviewing the reported information, it is clear that the entries contain errors and inconsistencies that do not accurately represent my verified payment history or account activity. 
These reporting inaccuracies create a misleading impression of delinquency and are not supported by verified documentation from the furnishers. 
The first account, XXXX XXXX XXXX XXXX, reports a balance of {$80.00}, opened on XX/XX/XXXX, with the last activity shown as XX/XX/XXXX. Equifax lists this account with a 30-day late payment notation, which is inaccurate and not reflective of the true payment history. At no time during this reporting period did a payment become delinquent beyond the grace period defined in the account agreement. The account has remained in good standing and active, with all payments made in accordance with the agreed terms. Reporting this account as late without verifiable evidence misrepresents my credit behavior and violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which mandates that all information in a consumer credit file be reported with maximum possible accuracy. 
The second account, XXXX XXXX XXXX, reports a balance of {$170.00}, opened on XX/XX/XXXX, with the last activity recorded on XX/XX/XXXX. Equifax is currently reporting this account with a 30-day late in XX/XX/XXXX and a 60-day late in XX/XX/XXXX. These reported delinquencies are factually incorrect and are inconsistent with the verified transaction and payment records of this account. There is no documentation or evidence provided by the furnisher that substantiates these late payment designations. The pattern of alleged consecutive lates contradicts the verified timeline of timely payments and proper account maintenance, rendering this reporting inaccurate and misleading.

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 2025-10-03 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: IL

Complaint narrative:
I recently reviewed a copy of my report and noticed inaccurate information. Please remove the account ( s ) from my credit report as it is hurting my ability to obtain credit.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: MD

Complaint narrative:
On XXXX XXXX One Main reported that I was current on my loan bill payments.Of {$250.00} a month. But when you look at my credit report, they're not reporting the payments correctly. They have reported ONLY {$47.00} on my payoff account which isn't TRUE. I have payed ALL 3 Months on time and at the full payment since XXXX XXXX. I need this currected immediately. This is messing up my scoring as far as payment History on my Credit Report. It is my right that One Main address this in a timly manner and correct my balance information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: GA

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. 
AMEX - XXXX has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not inaccurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency mer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who m the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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 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.

And according to 15 USC 1681s-2 they are supposed to 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 



I am submitting this formal complaint against Experian for repeated and willful violations of the Fair Credit Reporting Act ( FCRA ) in connection with identity theft disputes I have filed. Despite providing Experian with a complete FTC Identity Theft Report and supporting documentation, they have failed to block or delete fraudulent accounts from my credit report, as required by law. Specifically, the accounts in question include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which the furnishers confirmed would be removed but remains on my report ; all of which are identity theft-related and should have been blocked under 1681c-2 of the FCRA. Experians refusal to act constitutes a violation of 1681i ( a ) ( 1 ), for failing to conduct a reasonable reinvestigation, and 1681i ( a ) ( 5 ), for reinserting accounts without proper notice. These negligent actions have caused me emotional distress, wasted time, and financial harm. 
For reference and further substantiation, I am attaching a copy of the letter dated XX/XX/year>, which outlines my dispute and legal demand for deletion. This letter serves as formal notice and supports the claims made in this complaint.

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 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Axela Technologies, Inc
State: AZ

Complaint narrative:
1. Collection Companys Inadequate Debt Verification On XX/XX/2025, Schwartz Vays issued letters purporting to verify the debts for Units # XXXX and # XXXX. These responses are legally insufficient : No authority produced : Your refusal to provide the agreement authorizing Schwartz Vays/Axela Technologies to act as collection agent is a direct failure under the FDCPA. Simply claiming the contract is proprietary does not meet statutory requirements. 
Charges unsupported : Ledgers include $ 30 monthly late fees, {$10.00} administrative fees, and {$400.00} collection costs per unitnone of which are authorized under CCR Article V or A.R.S. 33-1807. 
Contradictions : You simultaneously state both accounts are under cease and desist yet still threaten lien/foreclosure. This inconsistency demonstrates a lack of professional control over the file. 
Root dispute ignored : Neither you nor the HOA has addressed that the {$500.00} special assessment and {$300.00} dues increase were never validly approved at a properly noticed meeting or vote, rendering all downstream collection efforts defective. 
Until proper validation is producedincluding proof of authority, citations to specific governing provisions authorizing each fee, and corrected ledgers removing unlawful chargesthe debt remains disputed. Any attempt to advance foreclosure without such validation will be treated as a knowing violation of federal and state law. 
________________________________________

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 2025-10-03 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:
The account listed is not mine and is being reported in error.

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 2025-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The account listed is not mine and is being reported in error.

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 2025-10-03 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: VA

Complaint narrative:
I am disputing inaccurate late payment ( s ) entries reported by Experian related to an auto loan with lien-holder XXXX XXXX XXXX XXXX , Loan # XXXX, which was fully current and paid through XX/XX/year>. These entries were added despite documented identity theft and unauthorized activity, including a confirmed attached FTC Identity Theft Report and XXXX XXXX Police Report FI # XXXX. 

My vehicle was embezzled ( stolen ) and towed away while at XXXX XXXX dealerships service department in XXXX XXXX, VA, for manufacturing defects and recalls. The police were advised that my vehicle was first taken by the XXXX manufacturer under a recall, then I was informed that my vehicle was taken by my credit union in California. Recently, it was brought to my attention that the credit union had a data breach and my information was compromised, which may have contributed to my car being embezzled, stolen, and towed illegally without my knowledge or consent. I never received the car back ; it is currently in California. The police informed me that the vehicle was never repairedinstead, it was vandalized, missing parts, and is inoperable. 

The credit union and credit bureaus all failed to properly investigate my disputes. As a result, my credit score dropped over XXXX pointsfrom XXXX to XXXX. I am requesting immediate removal of these inaccurate entries and correction of my credit report under the Fair Credit Reporting Act ( FCRA ) within 24 hours. I appreciate your time and prompt action on this matter. 

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 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

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. 
CAP ONE - XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 

I looked at my credit report and noticed some things are incomplete and not inaccurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency mer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about who m the report relates according to 15 USC 1681 ( e ) ( b ).

According to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) 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 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.

And according to 15 USC 1681s-2 they are supposed to 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Keynote Consulting, Inc.
State: GA

Complaint narrative:
I received a debt collection notice from Keynote Consulting regarding an alleged {$2500.00} debt to XXXX XXXX XXXX XXXX dispute this debt because the original company used deceptive and misleading practices to induce enrollment and did not deliver the services promised. I requested validation of the debt, including a signed contract, account history, and proof of Keynotes legal right to collect, but none of this information has been provided. I believe this debt is invalid and should not be collected or reported to 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 explanation
Consumer complaint received 2025-10-03 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: TN

Complaint narrative:
Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX, XXXX, TN XXXX Previous Address : - XXXX XXXX XXXX, XXXX, TN XXXX Name : - XXXX XXXX XXXX XXXX XXXX : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX  XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX - XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
I am filing this complaint against Equifax, Experian, and TransUnion for repeated violations of the Fair Credit Reporting Act ( FCRA ) due to their failure to correct or verify inaccurate information in my credit reports. 

I first disputed the items on XX/XX/year>, and again on XX/XX/year>. Despite multiple disputes, the credit bureaus have failed to properly investigate, remove, or provide documentation verifying the disputed information. 

Disputed Items Remaining Unresolved : SST Account # XXXX Balance : {$16000.00} XXXX XXXX  Account # XXXX Balance : {$23000.00} First Tech Account # XXXX Balance : {$6900.00} Inquiry Remaining Unverified : XXXX XXXX  Date of Inquiry : XX/XX/year> I specifically requested, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ), the method of verification, including : The procedures used to verify the accounts and inquiry The name, title, and contact information of the furnisher ( s ) contacted The documentation relied upon during the investigation To date, none of this information has been provided. The continued reporting of these items without substantiation constitutes willful noncompliance with : 15 U.S.C. 1681i ( a ) : Duty to conduct a reasonable reinvestigation 15 U.S.C. 1681e ( b ) : Duty to follow reasonable procedures to ensure maximum possible accuracy Harm Caused : The bureaus failure to comply with the law has damaged my credit profile and undermined my ability to maintain fair and accurate credit reporting, as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: SC

Complaint narrative:
I am fiiling a complaints to formally dispute certain inaccurate information reported on my credit file. Upon reviewing my 3 Bureaus report, I noticed entries that misrepresent my payment history, causing a substantial and unwarranted negative impact on my creditworthiness. I want to share the circumstances of these accounts to highlight why these reports are inaccurate. The first account, XXXX XXXX XXXX, currently reports a balance owed of {$47000.00} with late payments from XX/XX/XXXX to XX/XX/XXXX ( 30 days late ) and a last activity date of XX/XX/XXXX. I have reviewed my statements and records carefully, and I have documentation indicating that the reported late payments are either overstated or incorrectly recorded. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which shows a {$0.00} balance, reports a 30-day late payment in XX/XX/XXXX with a last activity date of XX/XX/XXXX. This account is also inaccurately reflecting a delinquency that did not occur. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information reported. These entries clearly fail that standard, as they do not accurately reflect my payment behaviour. Furthermore, FCRA 1681i ( a ) mandates that I am entitled to dispute any information I believe to be inaccurate, and the credit bureau must investigate and correct any errors within 30 days. Additionally, FCRA 1681c-2 ( a ) prohibits the reporting of outdated or misleading information, which applies to the misrepresented dates and delinquencies of these accounts. Finally, FCRA 1681k ( a ) ensures that users of credit reports are informed about the accuracy of public record information, reinforcing the requirement for precise reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: SC

Complaint narrative:
I am fiiling a complaints to formally dispute certain inaccurate information reported on my credit file. Upon reviewing my 3 Bureaus report, I noticed entries that misrepresent my payment history, causing a substantial and unwarranted negative impact on my creditworthiness. I want to share the circumstances of these accounts to highlight why these reports are inaccurate. The first account, XXXX XXXX XXXX, currently reports a balance owed of {$47000.00} with late payments from XX/XX/XXXX to XX/XX/XXXX ( 30 days late ) and a last activity date of XX/XX/XXXX. I have reviewed my statements and records carefully, and I have documentation indicating that the reported late payments are either overstated or incorrectly recorded. Similarly, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which shows a {$0.00} balance, reports a 30-day late payment in XX/XX/XXXX with a last activity date of XX/XX/XXXX. This account is also inaccurately reflecting a delinquency that did not occur. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are legally required to follow reasonable procedures to assure maximum possible accuracy of the information reported. These entries clearly fail that standard, as they do not accurately reflect my payment behaviour. Furthermore, FCRA 1681i ( a ) mandates that I am entitled to dispute any information I believe to be inaccurate, and the credit bureau must investigate and correct any errors within 30 days. Additionally, FCRA 1681c-2 ( a ) prohibits the reporting of outdated or misleading information, which applies to the misrepresented dates and delinquencies of these accounts. Finally, FCRA 1681k ( a ) ensures that users of credit reports are informed about the accuracy of public record information, reinforcing the requirement for precise 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 non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/year> XXXXXXXX XXXX  at my request, mailed a check from my account to Home Depot Credit Services in the amount of {$400.00}. XXXX XXXX  told me the check was cashed on XX/XX/year>. Home Depot never posted my payment to my account. After several requests to Home Depot to explain why this payment has not posted to my account, they continue to insist the payment was posted to my account on XX/XX/year>, which was the previous months payment from a different bank in the same amount of {$400.00}. I have not heard back from them. Why they would think a payment that posted 11 days before it was mailed is a suitable answer to my problem is out of the range of my comprehension and tells me they are not really interested in helping me with this issue. I did send an electronic payment of {$30.00} on XX/XX/year> when I suspected a problem with the XXXX  payment, to avoid being considered late because someone lost my check. XXXX XXXX  was also of little help, telling me they use a third party to mail payments from their costumers accounts and dont have an image of the check. As you can imagine, it seems a hopeless situation, but I am still missing {$400.00}. Im hoping you can help me resolve this issue with what appears to be me against two giants whove lost their ability to care about their consumers hard earned money, which they are supposed to be safeguarding. 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 monetary relief