vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: AL

Complaint narrative:
I have submitted a complaint about showing my account past due and the account being paid in full. My report still shows past due, I was late on payments, as in did not make the full amount each month. But, I reached out to the company to agree on a payment plan of making the remainder of the payments over the course of weeks. I still would like the late payments to be removed as it is hurting my score. I just purchased a home, and it would be very helpful to get those late payments removed. I would like to think since the loan is now paid in full, this should be an easy fix, and we can agree to remove the late payments.

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 2025-05-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: KY

Complaint narrative:
I am filing this complaint against Key 2 Recovery for furnishing inaccurate and misleading information to the credit reporting agencies. Key 2 Recovery is reporting a collections account on my credit report as a Retail / Rental-related debt, when in fact, the debt is academic in nature and tied to financial aid or educational services. 

This misclassification has had a serious financial impact on me. I have been denied two rental applications, and I have lost money on non-refundable application fees due to this inaccurate representation of the account. Landlords and rental screening systems are flagging this debt as high-risk housing-related, which it is not. 

I have already disputed this with the credit bureaus, but the item continues to be verified under the incorrect category. I am requesting that the Consumer Financial Protection Bureau take action to : 1. Investigate Key 2 Recoverys misclassification of the account type. 
2. Require them to correct or remove the account from my credit reports if they can not properly classify and validate it.

3. Hold them accountable for the financial harm caused by this reporting error. 

I am attaching documentation showing this item on my credit report and proof of my rental application denials upon request. 

Resolution Sought : Immediate correction of the account classification from Rental/Retail to Academic/Educational.

Deletion of the account if it can not be properly validated.

Compensation or acknowledgment for financial harm caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NY

Complaint narrative:
My issue is with Transunion. I had one late mortgage payment and my servicer XXXX XXXX  reported to all the credit bureaus that I had two late payments and my account was delinquent. I attempted unsuccessfully to get XXXX to correct this with Transunion, XXXX and XXXX. I submitted disputes with accompanying documentations to all three and XXXX replied to all three that I was correct that there was only XXXX late payment in the history of the account and the account was currently ( and still is ) up to date and in good standing. It was unfortunate I had to take this extra step but XXXX and XXXX promptly fixed the error and while my credit took a slight hit it now reflects a mid high XXXX 's score. I started my dispute with Transunion through XXXX XXXX. I received written documentation that my dispute had been substantiated and any errors would be fixed within a week or two. Months later it is still not fixed and in fact still getting reports from XXXX XXXX that Transunion considers my account with XXXX delinquent. I have tried multiple times to reach out to Transunion and have spoken with people who assure me some special team will look into and handle this but to date all I have received is one call with no specifics referring me to a general number and they once again inform me I will get a call from some special unit. I have also received email correspondence in an encrypted form which states that they don't have the documentation. I responded with a reference to my precious dispute and the documents I have sent asking them to tell me specifically what else they need to which I have received no reply. They continue to have publish incorrect information which they know is incorrect and refuse to fix.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: CrossCountry Mortgage LLC
State: NJ

Complaint narrative:
I have some inquiries in my credit reports, for credit that i didnt get .. i would like you guys to helped with that..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
On XX/XX/XXXX A. Credit card was opened at XXXX XXXX in South Dakota under my name with all of my information. I did not open this acct and alert put on my acct.

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 2025-05-19 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: GA

Complaint narrative:
To Whom It May Concern, This letter is a formal dispute and legal demand under the Fair Credit Reporting Act ( FCRA ) regarding two fraudulent duplicate accounts being reported on my Equifax credit file by XXXX XXXX XXXX XXXX The accounts in question are : - Account # XXXX Date Opened : XX/XX/XXXX - Account # XXXX Date Opened : XX/XX/XXXX These entries represent either a duplicate debt, re-aged debt, or a split entry, all of which are blatantly illegal and deceptive under FCRA Sections 607 ( b ), 611, and 609 ( c ). It is also a clear violation of FDCPA Section 807, which prohibits false, deceptive, or misleading representations, including the false portrayal of multiple debts from a single obligation. 

This misreporting severely and unfairly harms my creditworthiness and is a direct infringement upon my rights. You are legally required to report only accurate and non-duplicative information. These entries, having the same creditor but reported under different dates and numbers, create a false inflation of my debt profile and is considered malicious and abusive reporting. 

I am demanding the following : 1. Immediate and permanent deletion of either one or both of the following accounts : - Account # XXXX - Account # XXXX XXXX. A complete reinvestigation of these accounts pursuant to FCRA Section 611. 
XXXX. A written response and an updated copy of my corrected credit report within XXXX calendar days of receipt of this notice. 

Failure to remove the duplicate entries or respond adequately will result in the following actions without further notice : - Filing of formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Attorney General in my state. 
- Consultation with legal counsel to pursue civil litigation for willful noncompliance under FCRA Sections 616 and 617, including but not limited to actual damages, punitive damages, and attorney fees. 

This notice serves as your final opportunity to correct this unlawful reporting. I am keeping detailed records of all correspondence and reserve the right to use them as evidence in any future legal proceedings.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax violated my rights under the Fair Credit Reporting Act ( FCRA ) and the ongoing harm I have suffered due to their negligence, including but not limited to the XXXX  Equifax data breach, which I was personally affected by. My breach engagement number associated with Equifax is XXXX. Additionally, please note my official FTC Identity Theft Report reference number : XXXX. 

Despite multiple attempts to resolve these issues directly with Equifax, they continue to report inaccurate, outdated, and unverifiable information on my credit file. I am disputing the following accounts and inquiries that either lack a permissible purpose under FCRA Section 604 ( 15 U.S.C. 1681b ) or exceed the reporting limits under FCRA Section 605 ( 15 U.S.C. 1681c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: NV

Complaint narrative:
Delete all things negative in my credit report and pay me {$8000.00} for all negative items on my report or expect a lawsuit Delete Late Payments 15 U.S. Code 1666 15 U.S. Code 1666 ( b ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Delete Car Repos 15 U.S. Code 1681 ( s ) 2 Delete Hard Inquires 15 U.S. Code 1681

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 2025-05-19 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: CL Holdings LLC
State: NV

Complaint narrative:
Delete all things negative in my credit report and pay me {$8000.00} for all negative items on my report or expect a lawsuit Delete Late Payments 15 U.S. Code 1666 15 U.S. Code 1666 ( b ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Delete Car Repos 15 U.S. Code 1681 ( s ) 2 Delete Hard Inquires 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: NAVY FEDERAL CREDIT UNION
State: NV

Complaint narrative:
Delete all things negative in my credit report and pay me {$8000.00} for all negative items on my report or expect a lawsuit Delete Late Payments 15 U.S. Code 1666 15 U.S. Code 1666 ( b ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Delete Car Repos 15 U.S. Code 1681 ( s ) 2 Delete Hard Inquires 15 U.S. Code 1681

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally dispute the accuracy of information being reported on my credit report related to a charged-off account with Capital One. 

Account Details : Creditor : Capital One Account Number : XXXX Date Opened : XX/XX/year> Reported Balance : {$710.00} This account is being inaccurately reported as a charge-off on my credit report. I am requesting that the CFPB investigate this matter and assist in ensuring the information being reported is accurate and verifiable. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting the following : Verification of the debt including the full accounting, charge-off documentation, and a complete breakdown of the balance. 

Proof of ownership and liability including any signed agreement between myself and Capital One validating the alleged debt. 

Date of first delinquency and status history to confirm compliance with proper reporting timelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: EdFinancial Services
State: NV

Complaint narrative:
Delete all things negative in my credit report and pay me {$8000.00} for all negative items on my report or expect a lawsuit Delete Late Payments 15 U.S. Code 1666 15 U.S. Code 1666 ( b ) Delete Collections 15 U.S. Code 1692 ( g ) Delete Charge Offs 15 U.S. Code 1681 ( c ) 2 Delete Car Repos 15 U.S. Code 1681 ( s ) 2 Delete Hard Inquires 15 U.S. Code 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
TRANSUNION ALLOW MANY COMPANINES TO REPORT TO MY CREDIT WITHOUT Verifying information given. its atleast XXXX  companines that havent been verified properly

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 2025-05-19 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: FL

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EXPERIAN, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ; XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency EXPERIAN, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY.

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud.

I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly.

Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-05-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
Capital one held my card in restricted status and charged an annual fee for it, though they stated it would never be able to be used again. I requested this few be removed and online information states restricted accounts typically do not receive annual fees. They refused to remove the fee. They are reporting an open account that can never be used, this they are illegal and fraudulently reporting to my credit and charging fees for services they are actively preventing me from using.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: GA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX XXXXsiness days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
So I put a check into the Navy Federal ATM in XXXX Ga on XX/XX/XXXX the bank stated the atm couldnt read the check because the account numbers weee unable to read so they sent it out they have issued XXXX different checks so they say and up to now XX/XX/XXXX the check has yet to arrive. its been 2 months now and Still havent received a check and everytime Icall they tell me theyll send another copy and that I have to wait another 5-10 business days today is now XX/XX/XXXX and they send it out in XX/XX/XXXX so they say and Iwated the XXXX days and still nothing has been received what should I do Ialso reach out to the check issuer and they havent responded so whos at fault and what should I do. Not only that but they provided no information no prof of mailing nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-19 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation