vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NV

Complaint narrative:
I am submitting this follow-up complaint regarding the continued reporting of inaccurate late payment data on XXXX of my credit accounts, despite multiple previous disputes and the submission of supporting documentation. These inaccuracies remain unresolved, causing harm to my creditworthiness and directly affecting my ability to secure essential financial opportunities. 

The first account in question is XXXX  XXXX XXXX, account number ending in XXXX, with a balance of {$890.00}, opened on XX/XX/XXXX, and last activity dated XX/XX/XXXX. My report reflects a XXXX late payment for XX/XX/XXXX, which is inaccurate. After reviewing my records, I found no documentation indicating that a payment was missed during that period. This account has maintained a consistent on-time payment history and is currently in good standing with no past-due balance. I am requesting that you verify the accuracy of this late mark with proper documentation from the creditor and remove it from my credit report if it can not be fully verified. 

The second account is XXXX  XXXX, account number ending in XXXX, opened on XX/XX/XXXX, with last activity reported on XX/XX/XXXX. My credit file reflects a XXXX late payment for XX/XX/XXXX, which I believe is inaccurate or the result of a delayed processing error. I was not notified of any missed payment, and the account has remained in good standing since that time. I request that you conduct a reinvestigation and obtain verification directly from the creditor. If the delinquency can not be confirmed with accurate documentation, it must be deleted under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am submitting a complaint regarding inaccurate information reported by Experian for a XXXX XXXX XXXX account ( XXXX ). Experian claims the account was verified, but the information remains inaccurate and inconsistent with FCRA requirements. 

The account shows an implausible charge-off timeline, missing payment details, and ongoing updates after being charged off. I was never provided with proof of validation from the furnisher. This violates FCRA 611 ( a ), 623 ( a ) ( 2 ), and 609 ( a ) ( 1 ). 

I am requesting the CFPB to review Experians reinvestigation process and ensure compliance with the FCRA. I am also requesting deletion of this unverified account from my Experian 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 explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Kindly inspect the materials ; the questions came in suddenly and could lack formal approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: PA

Complaint narrative:
On XX/XX/year>, I made a exclusive content purchase on XXXX for {$260.00} using my discover card. The exclusive content included a video that wouldnt playback. I emailed XXXX regarding the issue. They took a while to get back to me and they didnt fix the issue. A month later, I file a dispute with discover regarding the transaction. The dispute was denied and discover sent a letter on XX/XX/XXXX. I didnt get notified until XXXX weeks after the letter. I told them Id like to reopen the dispute. I gave them all the evidence I could. I was just notified even after giving them additional evidence, they did not change the outcome of the dispute. I will call them to file a complaint as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: FIRSTBANK PUERTO RICO
State: PA

Complaint narrative:
I am disputing late payment information reported by FirstBank XXXX  XXXX  to XXXX. 
Under 15 U.S.C. 1666b, a creditor may not treat a payment as late unless the periodic statement was delivered to the consumer at least XXXX  days before the payment due date. FirstBank has not provided any evidence proving that these statements were sent on time or that they contained all the information required by 15 U.S.C. 1637 ( b ).

Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 7 ), any financial institution that furnishes negative information to a credit reporting agency must notify the consumer in writing within XXXX  days of doing so. I never received any such written notification from FirstBank PXXXX XXXX 

This account is being disputed for lack of verification and failure to comply with statutory notice and reporting requirements. I have already sent a formal verification request directly to the furnisher, and no documentation has been provided. 

I request that the CFPB require FirstBank XXXX  XXXX  and XXXX  to provide verifiable documentation supporting the accuracy of the alleged late payment entries or, if they can not, to delete this information from my XXXX  credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IN

Complaint narrative:
I received a debt collection notice from Mohela/Servicing on XXXX. I responded with a written request for debt validation on XXXX, which was received by the agency on XXXX. A

s of today, I have not received any debt validation letter or documentation. This violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to provide verification of the debt upon request within 30 days. I am concerned this may indicate improper or unlawful collection practices. I am requesting the CFPB to investigate this matter and ensure the agency complies with federal regulations. Supporting Documents : Copy of my debt validation request Proof of delivery ( e.g., certified mail receipt or tracking )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
I am disputing the following charged-off accounts and inquiries on my Experian credit report : Charged-Off 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 XXXXXX/XX/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 2025-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NM

Complaint narrative:
LVNV Funding has placed negative items on my credit report that shows that I have missed or had late payments and account has been charged off. Please remove any late payment from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.

This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Creditor Name : XXXX  Account Number : XXXXXXXX XXXX XXXX Creditor Name : XXXX  Account Number : XXXXXXXX XXXX Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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 formal follow-up regarding inaccuracies that remain on my credit report for XXXX accounts despite prior dispute requests. My previous submissions requested that these accounts be properly reviewed and corrected under the applicable consumer protection laws. However, as of this date, the inaccurate reporting persists.Account XXXX : XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX This account is inaccurately reporting as having past due or inconsistent payment information despite maintaining a current and active status. My records confirm that all payments have been made on time. I am requesting correction to ensure this account accurately reflects its current payment status with no late notations, as required under FCRA 15 U.S. Code 1666 ( Correction of Billing Errors ). 
Account XXXX : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX This account contains reporting inconsistencies regarding payment updates and account balance accuracy. The account should reflect a current standing, as my payments have been made as agreed. I am requesting correction to ensure the account accurately displays its Current status and verified balance.Under FCRA 623 ( a ) ( 2 ) ( Duty to Correct and Update Information ), furnishers are required to promptly correct and update any information determined to be incomplete or inaccurate. Additionally, FCRA 611 ( 15 U.S.C. 1681i ) mandates a reasonable reinvestigation of disputed information and the correction of any verified errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: MD

Complaint narrative:
I am disputing the following charged-off accounts, inquiries, and late payments on my TransUnion credit report : Charged-Off Accounts : XXXX, XXXX, XX/XX/year>, Balance : {$0.00} Late Payments : 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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am submitting this complaint regarding inaccurate and inconsistent reporting of my XXXX XXXX Bank XXXX XXXX. account across all three major credit bureaus. The account in question was paid in full and closed in good standing ; however, it continues to be reported inconsistently, with improper dispute notations and conflicting update activity, in violation of FCRA 607 ( b ) and 611 ( a ) ( 1 ) ( A ). 

XXXX  shows this account as XXXX, XXXX, but lists an active consumer dispute statement even though I have not disputed this account since XXXX. It also reflects comments stating account closed at credit grantors request, which contradicts the account status Paid, Closed and implies a negative closure when the account was closed in good standing. 

TransUnion lists the account as Paid, Closed ; was Paid as Agreed with a XXXX balance and no delinquency, but its most recent update is XX/XX/XXXX, not aligning with Experians XX/XX/XXXX status or XXXX XX/XX/XXXX reporting date. 

Equifax reports the account as Closed by credit grantor, pays as agreed, with a XXXX balance, but still carries a previously in dispute remark and lists the date reported as XX/XX/XXXX, long after the account was closed in XX/XX/XXXX, suggesting ongoing reinvestigation or data refreshes without a consumer-initiated dispute. 

These inconsistencies create the appearance of ongoing negative activity, which violates the FCRAs requirement for data furnishers and consumer reporting agencies to maintain maximum possible accuracy and refrain from misleading reporting on closed accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Money was taken from my account without my permission so that means I was making double payments and I got tired plus I fell behind and tried to make a payment plan with them they said no so I paid over {$220.00} and was beginning to payoff my card and they canceled it for no reason now they hararrass me about payments when they've already closed my account. I told them I really don't owe them they owe me but they continue to add fees on and request payments for a closed account. So I just pay what I can when I can cause I don't understand how there doing this and why it hasn't went to collections yet so the fees can stop adding up it's just wrong all the way wrong. Exspecially to wait till I make a payment and then close my account. I could ve kept my money for another bill that was due immediately. Then they keep sending these offerings to get a new card im like no I don't want to get a new card with you now. They always erase my account so I don't have receipts. They know what they did is & was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Credit limit changed — 
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
i was not approved for that amount of credit and would like to dispute this

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Account name : XXXX  Account number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I am a verified victim of identity theft, and XXXX  continues to report fraudulent accounts that do not belong to me. These accounts were opened under my name without authorization and are connected to XXXX XXXX, XXXX ( XXXX, XXXX XXXX, and XXXX XXXX ) and Portfolio Recovery Associates. 

I have already disputed these items with XXXX  and provided proof of my identity, an FTC identity theft affidavit, and documentation showing I never applied for or made payments on these accounts. XXXX  previous investigation closed without proper verification or evidence from the furnishers. 

I never had a credit card ending in XXXX, as falsely claimed by XXXX XXXX. No signed contracts or transaction history have been provided to prove these accounts are mine. 

I am requesting that the CFPB compel XXXX  and the furnishers to permanently delete these fraudulent accounts from my credit report in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: Colony Brands, Inc.
State: MI

Complaint narrative:
I am a verified victim of identity theft, and XXXX  continues to report fraudulent accounts that do not belong to me. These accounts were opened under my name without authorization and are connected to Colony Brands, Inc. ( Ashro, Montgomery Ward, and Seventh Avenue ) and XXXX XXXX XXXX. 

I have already disputed these items with XXXX  and provided proof of my identity, an FTC identity theft affidavit, and documentation showing I never applied for or made payments on these accounts. XXXX  previous investigation closed without proper verification or evidence from the furnishers. 

I never had a credit card ending in XXXX, as falsely claimed by Colony Brands. No signed contracts or transaction history have been provided to prove these accounts are mine. 

I am requesting that the CFPB compel XXXX  and the furnishers to permanently delete these fraudulent accounts from my credit report in compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ).

Company response to consumer: Closed with explanation