vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-24 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: FL

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-10-24 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: MI

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES 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 2025-10-24 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: NY

Complaint narrative:
I had a service not provided and with the companies policy Im entitled to refund, I was rejected the refund by the company despite their policy and I disputed the charges with my bank Chase to which they gave me a temporary credit and then took it back stating I was charged correctly. I uploaded documents proving my case and was given the credit back. Only to have it taken out again and told it didnt suffice. I uploaded all possible documents needed to price my case and the bank refuses to give my money back. I call IN business hours and am told no one can take my call. Ive been requested to upload the SAME documents more then once because apparently they dont see it on their end and when I do Im told to call back the next day in the hour of XXXX I do and am told to upload the document again and call back. I do call back at XXXX and apprently they are closed and told to call back in 3 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: DE

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-10-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: KY

Complaint narrative:
At XXXX on Thursday XX/XX/XXXX. A man called me stating that owed a debt for an apartment complex. The person did not allow us to dispute or partially pay. Did not send us a notice of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX UNAUTHORIZED COLLECTION - XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I wrote a demand letter to the company, demanding a chain of title, validation of debt. in which the company did not reply to request and also I found inaccuracies under 2 metro characters, 76- 190. These are the area where the inaccuracies were.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal Credit Union is inaccurately reporting XXXX closed credit card accounts as if they remain open revolving accounts with high balances and available credit limits. 
XXXX account reports a {$3400.00} balance on a {$3600.00} limit and another reports a {$3300.00} balance on a {$3500.00} limit. 
Both are listed as Closed, yet they continue to show balances and limits, resulting in an inflated 95990 % utilization rate that severely lowers the consumers credit score.

This practice is misleading and noncompliant with the Fair Credit Reporting Act ( FCRA ) and CFPB reporting standards : FCRA 607 ( b ) requires furnishers and credit reporting agencies to ensure the maximum possible accuracy of all information they report. 
Continuing to display active balances and revolving limits on closed accounts fails this standard by falsely suggesting ongoing usage and open credit.

FCRA 602 ( a ) states that inaccurate or misleading reporting undermines fair access to credit and the integrity of the financial system.

Reporting closed accounts as revolving misrepresents
the consumers current financial standing.

FCRA 611 ( 15 U.S.C. 1681i ) provides consumers the right to dispute incomplete or inaccurate data and requires timely reinvestigation.

These accounts were previously disputed with no correction or written response, which violates this section. 
CFPB Bulletin 2013-09 clarifies that furnishers must not provide information that, while technically correct, creates a misleading impression about a consumers credit profile. 
By maintaining balances and credit limits on closed accounts, Navy Federal is engaging in this prohibited type of misleading reporting. 
Under these provisions, both tradelines are being reported in a way that inaccurately affects credit utilization and damages creditworthiness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Subject : Complaint Against Capital One XXXX  Regarding Denial of Credit Card Sign-Up Bonus Dear CFPB Representative, I am writing to formally file a complaint against Capital One XXXX for failing to honor the sign-up bonus terms that were explicitly offered to me at the time of my application. 
In XXXX of XXXX, I applied for a Capital One credit card through a referral link that clearly stated I would receive a XXXX-mile sign-up bonus upon meeting the minimum spending requirement. I applied while the offer was still active and completed the required spending threshold within the time period specified. 
However, after fulfilling all the conditions, I was awarded only XXXX miles. When I contacted Capital One to inquire about the missing miles, I was informed that the promotional offer had since changed. While representatives acknowledged that I applied under the XXXX-mile promotion and that they could see this in their system, they still refused to issue the remaining XXXX miles. 
I complied with the terms and conditions, but the full bonus was never awarded. Ive contacted Capital One multiple times since then, and while their representatives have confirmed my eligibility based on the original offer, they continue to say theres nothing they can do. 
This is deeply frustrating and unprofessional. The only reason I applied for this card despite the {$100.00} annual fee and the potential negative impact on my credit score was for the full XXXX-mile sign-up bonus as advertised.

I believe Capital Ones refusal to honor the bonus constitutes false advertising and deceptive business practices. I respectfully request that the CFPB investigate this matter and hold Capital One accountable for misleading promotional tactics.

I am happy to provide any supporting documentation including records of my communication with Capital One.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 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: NJ

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 2025-10-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There has been unauthorized access to my credit report by several companies, which has directly harmed both my credit and my credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed ; however, that promise has not been fulfilled, and these inquiries still remain. This continued inaction is unacceptable. The presence of these potentially fraudulent entries is highly concerning and strongly suggests possible identity theft. This unresolved issue is causing ongoing emotional and financial harm.

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 2025-10-24 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: WI

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX - XX/XX/year> 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 2025-10-24 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-24 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: SC

Complaint narrative:
Date : XX/XX/XXXX * * To : Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( Last 4 ) : XXXX Date of Birth : XX/XX/XXXX Subject : Formal Complaint Unlawful and Inaccurate Reporting of Repossession by XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX for unlawful and inaccurate credit reporting practices. Their conduct constitutes multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws. 

XXXX XXXX has reported a repossession on my credit file that is factually incorrect, unverifiable, and unsupported by lawful documentation. I have disputed this information directly with both XXXX XXXX and the major credit bureaus, but neither has provided valid evidence verifying the debt or showing proof of any required notices. This failure to verify violates 1681s-2 ( b ) of the FCRA.

Furthermore, the credit bureaus have continued to publish this inaccurate and disputed information in violation of 1681i and 1681e ( b ). The continued reporting of this false information has caused significant harm to my creditworthiness and financial opportunities. 

Requested Action : I respectfully request that the CFPB investigate and require : 1. Immediate deletion of the repossession from my credit reports with XXXX, Equifax, and XXXX ; 2. Full documented verification from XXXX XXXX, including any contract, repossession records, sale statements, and legally required notices ; and XXXX. Enforcement of compliance to ensure that XXXX XXXX corrects its reporting procedures and compensates for any ongoing consumer harm. 

Copies of my dispute correspondence and relevant credit reports are available upon request. Please take prompt action to ensure compliance with federal consumer law. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( Last 4 ) : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-24 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: SC

Complaint narrative:
Date : XX/XX/XXXX * * To : Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( Last 4 ) : XXXX Date of Birth : XX/XX/XXXX Subject : Formal Complaint Unlawful and Inaccurate Reporting of Repossession by XXXX XXXX XXXX To Whom It May Concern, I am submitting this formal complaint against XXXX XXXX XXXX for unlawful and inaccurate credit reporting practices. Their conduct constitutes multiple violations of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and other applicable consumer protection laws. 

XXXX XXXX has reported a repossession on my credit file that is factually incorrect, unverifiable, and unsupported by lawful documentation. I have disputed this information directly with both XXXX XXXX and the major credit bureaus, but neither has provided valid evidence verifying the debt or showing proof of any required notices. This failure to verify violates 1681s-2 ( b ) of the FCRA.

Furthermore, the credit bureaus have continued to publish this inaccurate and disputed information in violation of 1681i and 1681e ( b ). The continued reporting of this false information has caused significant harm to my creditworthiness and financial opportunities. 

Requested Action : I respectfully request that the CFPB investigate and require : 1. Immediate deletion of the repossession from my credit reports with XXXX, XXXX, and TransUnion ; 2. Full documented verification from XXXX XXXX, including any contract, repossession records, sale statements, and legally required notices ; and 3. Enforcement of compliance to ensure that XXXX XXXX corrects its reporting procedures and compensates for any ongoing consumer harm. 

Copies of my dispute correspondence and relevant credit reports are available upon request. Please take prompt action to ensure compliance with federal consumer law. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX SSN ( Last 4 ) : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/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 non-monetary relief