vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: FL

Complaint narrative:
I am submitting this complaints to formally request a correction to my credit report concerning several accounts that have been reported with inconsistent or inaccurate late payment histories. I want to make it clear that this is not a request for deletion, but rather a request for factual correction to ensure that my payment history is reported with accuracy and fairness. 
After careful review, I noticed that a few open accounts have been marked late during periods where payments were either made on time or arrangements were properly in place. my XXXX  XXXX XXXX account, with a balance of {$47000.00}, has been reported as XXXX  days late from XX/XX/XXXX to XXXX XXXX XXXX days late from XX/XX/XXXX to XX/XX/XXXX, and XXXX  days late from XX/XX/XXXX to XX/XX/XXXX. Similarly, my XXXXXXXX XXXX  account, with a balance of {$4100.00}, is shown as 30 days late from XX/XX/XXXX to XXXX XXXX XXXX days late in XXXX XXXX XXXX  days late also in XX/XX/XXXX, and XXXX  days late from XX/XX/XXXX to XX/XX/XXXX. Additionally, my XXXX XXXX XXXX XXXX account, with a balance of {$260000.00}, is reported as XXXX  days late in XX/XX/XXXX. There is also a late closed account with XXXX XXXX that has been inaccurately reflected. 
Under 15 U.S.C. 1681e ( b ), the Fair Credit Reporting Act mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information reported. Late payment data that fails to consider payment arrangements, timing discrepancies, or verified posting dates compromises that standard and paints an inaccurate financial picture.

Moreover, as provided in 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), when a consumer identifies specific information that may be inaccurate, the credit reporting agency must conduct a reasonable reinvestigation to determine whether the information is correct. I am requesting that this reinvestigation include verification directly from the creditors to confirm the actual payment dates and to correct any erroneous late marks accordingly. 
In addition, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) holds furnishers of information accountable for reporting data with accuracy and completeness. This means any creditor that furnishes information must ensure that it truly reflects the consumers payment activity.

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 2025-10-23 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: TX

Complaint narrative:
I am really frustrated because inaccurate late payments are still showing on my credit reports when I checked this morning. Refreshing the browser did nothing to fix it. I want this resolved right away and I am asking that the documents I submitted be reviewed thoroughly so I no longer have to worry about it.

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 2025-10-23 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: TX

Complaint narrative:
I am really frustrated because inaccurate late payments are still showing on my credit reports when I checked this morning. Refreshing the browser did nothing to fix it. I want this resolved right away and I am asking that the documents I submitted be reviewed thoroughly so I no longer have to worry about it.

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 2025-10-23 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: TX

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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 did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

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 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am writing to formally request a review and removal of negative information associated with my closed credit card account. This account has been closed for some time, yet it continues to reflect late payments and negative reporting that no longer represent my current financial situation or responsibility. 

During the period when those late payments occurred, I was facing financial hardship due to personal and medical circumstances that temporarily affected my ability to meet payment deadlines. Since then, my situation has stabilized, and I have worked diligently to improve my financial health and maintain a positive credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: OH

Complaint narrative:
I am disputing a collection account being reported on my Experian credit report by XXXX XXXX XXXX for {$250.00} that was opened on XX/XX/year>. This account keeps reappearing under different collection agencies for the same XXXX XXXX XXXX debt that has already been deleted multiple times from my credit reports in the past. 

I do not understand why Experian continues to allow this same debt to be reinserted under a new collection account name. This repeated reinsertion is inaccurate and violates the Fair Credit Reporting Act ( FCRA ), specifically the section that requires Experian to notify me and verify accuracy before re-reporting a previously deleted account.

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 2025-10-23 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: Self Financial Inc.
State: NV

Complaint narrative:
I sent a written dispute to Self Inc. by certified mail on XX/XX/year> regarding inaccurate information related to a late payment and delayed certificate. 
XXXX confirmed delivery ( tracking no. XXXX XXXX and I requested verification or correction under the Fair Credit Reporting Act ( FCRA 611 and 623 ).

Self Inc. never responded within the required 30-day period. The account continues to report inaccurate information to the credit bureaus without verification. 
This is a violation of the FCRAs requirements for timely and reasonable investigation. 
I am requesting the CFPB open an investigation into Self Inc.s failure to respond and require correction or deletion of the inaccurate reporting. 
Attached : My certified dispute letter, XXXX proof of delivery, and my Final Notice letter to Self Inc. 

Current date I never heard from company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Midland Credit Management is reporting and attempting to collect a debt that does not belong to me. The account is listed on my XXXX  credit report as a collection for XXXX Bank in the amount of approximately {$5500.00}. 

I have never had an account with XXXX Bank, and I believe this debt is the result of identity theft. I filed a police report documenting the identity theft and notified the credit bureaus. XXXX  has also issued a notice confirming that my personal identifiers were compromised in a data breach. 

I have disputed this account multiple times with both TransUnion and Midland Credit Management, and Midland has failed to provide any documentation or validation proving that this debt is mine. Despite that, Midland continues to report the account as an open collection. 

This behavior violates several provisions of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), including : FCRA 605B, 607 ( b ), 611 ( a ) failure to block, verify, or correct identity-theft data FDCPA 805 ( c ), 807 ( 8 ), 809 ( a ) continued collection and false reporting of disputed debt I sent Midland a formal Cease and Desist / Validation Demand letter requiring them to stop all contact and provide full proof of the alleged account, including a signed credit application, assignment records, and payment history. No response has been received. 

I am requesting that the CFPB require Midland Credit Management to : 1. Provide original, authenticated documentation proving this debt is mine, or 2. Delete this collection account from all credit bureaus and cease all collection activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
My credit card account was closed. This was a credit card that I have never been late on. I had one pending payment bounce back and they immediately closed my account. I got a new phone and my credit card was lost at this point. I never needed my credit card cause the account was closed and my log in info was saved on my old phone. To access or log into the account you need a card number which I did not have and could not provide. I called Citi bank to request a new card to be sent and was transferred to a different dept. then I spoke with a lady who said the account was closed and that she could not send me a new card. I request for her to atleast process my payment on her end so that Im not late and reported. She informed me that she could not do this. When I asked why she told me it was because my account was closed. I asked the lady if she could send me a new card and she said no. Then she took my full name date of birth and last four of my social to submit a request to see if they could reopen my account which was denied. At this point I asked the lady how they expect me to make my payments. She had no answer for me, when I started to show frustration she then told me she could process the payment for me? I asked the lady what changed now from before when she told me she could not do it and she did not have an answer. Im very frustrated with this bank and I will not use them ever again. I asked her what my past due amount and at first she said {$500.00} something. Later in the call I asked again and then she said {$380.00}. This call was very frustrating with them not letting me make my payments and telling me I would not be able to make payment going forward.

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am reporting an issue with Bank of America regarding the closure of my account after depositing a legitimate U.S. Treasury refund check from the IRS. 

The check ( No. XXXX, dated XX/XX/year>, for {$510000.00} ) was deposited into my account ending in ( XXXX ). The Treasury Check Verification System confirms the check has been paid. Shortly after the deposit, Bank of America closed my account without clear explanation. 

Bank representatives initially told me that a cashiers check for my remaining balance would be mailed to me within XXXX business days after account closure. However, the closure date has been repeatedly extended ( most recently to XX/XX/year> ) and I have still not received any written confirmation or the promised funds. On Wednesday XX/XX/XXXX, I called the bank, the representative who attended to me assured me my account had been closed, and the check would be sent out on that very day. On XX/XX/XXXX, I called back and was attended to by another customer service representative whom Identified as XXXX with Representative XXXX XXXX, who said my account would just be closed the next day which would be XX/XX/XXXX while the check would be sent out on that day. I called back again yesterday XX/XX/XXXX, I was told by the representative whom I cant Identify, who said my account estimated closure date was XX/XX/XXXX which would be Friday. This has been happening for too long and they would not give me a good reason to why they keep postponing the closure date without a notice sent to me. 

I previously sent an email to the bank asking for clarification and documentation regarding the account closure and the status of my Treasury refund funds, but I have not received any response. 

These funds represent my federal tax refund, and the continued delay has caused financial hardship. 

I am requesting that the CFPB require Bank of America to :. Provide a written explanation for the account closure ;. Confirm the exact status of the Treasury refund funds ; and. Expedite the release or reissuance of those funds to me. 

Attachments include my original email to the bank, proof of deposit, and Treasury verification record.

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 2025-10-23 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: NY

Complaint narrative:
I am submitting this statement to formally dispute and request correction of inaccurate personal and account information being reported by the credit bureaus. My credit file contains errors that do not accurately reflect my identity or financial history, which is affecting the integrity of my consumer report. 
The name XXXX XXXX and the addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are being reported incorrectly. These identifiers are not accurate and should be removed from my credit file. 
XXXX XXXX XXXX XXXX  is showing late payments for XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>, despite consistent payment activity and no verified delinquencies. I am requesting that these late marks be reviewed and corrected to accurately reflect my payment history. 
XXXX XXXX XXXX Reported as charged off with a {$0.00} balance, which is inconsistent with TransUnions file showing the account as open. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported with a {$0.00} balance and inaccurate account activity. I am requesting verification and correction of this reporting. 
XXXX XXXX XXXX  Reported as charged off for {$8100.00} with the remark Account information disputed by consumer, meets FCRA requirements. This information appears inconsistent with my records and should be reinvestigated for accuracy. 
Under the Fair Credit Reporting Act ( FCRA ) : 607 ( b ) requires that consumer reporting agencies follow reasonable procedures to assure the maximum possible accuracy of the information they report. 611 ( a ) ( 1 ) ( A ) gives me the right to dispute any information believed to be inaccurate or incomplete. 611 ( a ) ( 5 ) requires the bureau to correct any information that can not be verified as accurate. 609 ( a ) ( 1 ) entitles me to clear and accurate disclosure of the information in my credit file.

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 2025-10-23 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 hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that TransUnion credit bureau correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

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 2025-10-23 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: GA

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-10-23 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: ALLY FINANCIAL INC.
State: CT

Complaint narrative:
As i was going over my credit to buy a house I noticed that there are a lot of inaccurate information on my credit report, under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). I request that your bureau verify, correct, or delete all inaccurate, incomplete, or unverifiable information currently appearing on my credit file. 

1 ALLY FINANCIAL ( Auto Loan Closed ) Account # XXXX XXXX XXXXXXXX Status : Charge-off / Joint Account Balance : {$9400.00} Original Amount : {$31000.00} Opened : XX/XX/XXXX First Delinquency : XX/XX/XXXX Violation : Continuous reporting of charge-offs through XXXX constitutes re-aging, violating FCRA 623 ( a ) ( 5 ) and 607 ( b ).

Requested Action : Verify through original payment history or delete. 
2 XXXX XXXX BANK XXXX XXXX. ( Credit Card Closed ) Account # : * XXXX Status : Charged Off / Closed by XXXX XXXX Balance : {$300.00} Credit Limit : {$200.00} Opened : XX/XX/XXXX First Delinquency : XX/XX/XXXX Violation : Continued charge-off notations after closure violate FCRA 605 ( a ). Requested Action : Provide full verification or delete. 
3 XXXX XXXX XXXX ( Auto Loan ) Account # : XXXX XXXXXXXX Status : Delinquent / Charge-off Balance : {$11000.00} ( approx. ) Opened : XXXX Last Payment : Unknown Violation : Account reporting inconsistent across bureaus with missing payment data and no verifiable proof of default. 
Requested Action : Verify ownership and balance through original signed agreement, or delete. 
4 XXXX CREDIT ( XXXX  only ) Status : 3090 Day Late Payments ( XXXX ) Balance : {$410.00} Violation : Late payments not reported to other bureaus, suggesting inconsistent or inaccurate furnishing. 
Requested Action : Delete if no supporting billing records are provided. 
5 XXXX XXXX XXXX ( Collection XXXX only ) Original Creditor : XXXX Bank Balance : {$560.00} Opened : XXXX Violation : Duplicate or unverifiable collection ; no contract or proof of debt ownership. Requested Action : Delete under FCRA 611 ( a ) and FDCPA 809 ( b ). 
6 XXXX XXXX XXXX ( Collection XXXX  only ) Balance : {$730.00} Opened : XXXX Violation : Lack of chain-of-title documentation proving legal right to collect. Requested Action : Delete as unverifiable. 
7 UNAUTHORIZED HARD INQUIRIES The following inquiries appear on XXXX or more reports without my written authorization : XXXX XXXX XXXX XXXX Hard Inquiry XXXX XXXX Hard Inquiry XXXX XXXX Hard Inquiry Under FCRA 604 ( a ) and 609 ( a ) ( 1 ), consumer reporting agencies may not include inquiries unless a permissible purpose exists. 
Requested Action : Remove all unauthorized inquiries immediately. 
8 LATE PAYMENTS/ STUDENT LOANS/ RETAIL ACCOUNTS DEPT OF ED/XXXX and minor retail accounts show isolated 30-day late entries. 
Requested Action : Remove lates older than 24 months as obsolete under FCRA 611 ( a ).

Company response to consumer: Closed with explanation