vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: NV

Complaint narrative:
Equifax is reporting inaccurate late payments on my XXXX XXXX tradeline. These late payment notations are not compliant with Metro 2 standards, the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), and the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ).

Metro 2 Violations : The account is reported as open/current, yet Equifax also lists 3060 day late payments. Under Metro 2, an account can not simultaneously report as current and delinquent.

Equifaxs reporting conflicts with the same tradeline on other bureaus, showing inconsistent furnishing, which is prohibited under Metro 2.

FCRA Violations : 1681s-2 ( a ) ( 1 ) ( A ) : Furnishers may not report information they know or should know is inaccurate.

1681e ( b ) : CRAs must assure maximum possible accuracy. Reporting contradictory account status and payment history fails this requirement.

FCBA Billing Error : The late payment marks also reflect a billing error under 1666. A creditor can not report a consumer delinquent while a billing error dispute is pending. Reporting Current and Late at the same time is contradictory and inaccurate. 

I have already sent Metro 2 and billing error disputes by certified mail to both XXXX XXXX and Equifax. Despite this, Equifax continues to publish inaccurate data. 

Delete all late payment notations from the XXXX XXXX tradeline on my Equifax report. 
Alternatively, correct the tradeline to reflect : Status : Open / Current / Paid as Agreed No late payment history Require Equifax to validate the Metro 2 fields furnished by XXXX XXXX or remove the tradeline entirely if compliance can not be demonstrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 
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

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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit report includes a bankruptcy record that I believe may be inaccurate or can not be properly verified. As provided under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a fully accurate credit report. I am requesting a full investigation of this bankruptcy entry, and if it can not be substantiated with reliable documentation, I ask that it 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive asked Capital one auto finance to provide validation documents of alleged auto debt. instead of providing me with information about the alleged debt, they illegally changed the last payment date to XX/XX/year> knowing that'll cause the account to stay on my credit report longer. They are in direct violation of FDCPA and I am entitled to compensation for falsely reporting. I want this account removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: NV

Complaint narrative:
XXXX XXXX is furnishing inaccurate late payment information to Experian, Equifax, and TransUnion. These tradelines contain reporting errors that violate XXXX XXXX XXXX standards, the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681s-2 ), and the Fair Credit Billing Act ( FCBA, 15 U.S.C. 1666 ).

Metro 2 Violations : The account is listed as open/current, yet also shows 3060 day lates. Metro 2 prohibits an account from reporting as current while also reflecting delinquency. This is contradictory and materially inaccurate. 

FCRA Violations : Data furnishers must ensure accuracy. By reporting conflicting statuses across bureaus, XXXX XXXX materially misrepresents my payment history. CRAs are publishing inaccurate data. 

FCBA Billing Error : These late payment notations represent billing/reporting errors. I never received proper notice of delinquency, and my account was never delinquent under the credit agreement. 

These errors materially harm my creditworthiness. 


I request that all late payment notations ( XXXX and XXXX lates ) be deleted across XXXX XXXX, and TransUnion XXXX 

Alternatively, XXXX XXXX must correct the tradeline to show : Status : Open / Current / Paid as Agreed No late payments reported If XXXX XXXX can not produce XXXX XXXX field documentation proving accuracy, the tradeline should be removed entirely.

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 2025-09-24 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: CA

Complaint narrative:
In XX/XX/XXXX, Experian began reporting a 30-day late payment on my XXXX XXXX XXXX XXXX XXXX XXXX XXXX account. This information is inaccurate. The account was paid and should not have been marked late. 

I disputed the entry twice with Experian, in writing and by certified mail, and requested validation from both Experian and the furnisher. In response, Experian closed the disputes with notes like consumer disagrees and item updated, but never provided supporting documentation. The furnisher ( XXXX XXXX XXXX/ XXXX XXXX ) also sent two generic letters ( XX/XX/XXXX and XX/XX/XXXX ) acknowledging the dispute but offering no proof, account records, or payment history to show that the late payment actually occurred. 

I have been patient and followed all proper steps, yet after multiple investigations and two responses from the furnisher, no documentation has ever been provided to support this late payment.

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 2025-09-24 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
On XX/XX/year> XXXX notified me that all of my checking and credit card accounts a total of XXXX accounts will be closed by XX/XX/year> The only reason cited was concerning activity but no specific explanation was provided I am filing this complaint regarding XXXXXXXX XXXX decision to close all of my accounts on XX/XX/year> and I respectfully request that CFPB require XXXX to stop the closure and reinstate my accounts My financial activities are lawful and transparent I work part time as a buyers agent personal shopper Specifically I purchase items such as iPads on XXXX and resell them to earn commissions This is a legitimate source of income and an important part of my livelihood All of my sales channels and income sources are compliant and I maintain proper invoices receipts and transaction records to verify my activities Because Oregon has no sales tax many buyers agents in the state engage in similar transactions I am simply XXXX of many individuals conducting lawful financial activities under these conditions XXXX cited only vague concerning activity as the reason for closure without offering any specific details I believe the bank has misunderstood my business model and incorrectly flagged my transactions as suspicious Additionally XXXX has had delivery problems with missing or stolen packages I filed disputes with XXXX to recover my rightful funds These disputes were supported by valid evidence and are normal consumer protection actions not unlawful financial activity I understand the importance of banks contributing to the fight against financial crimes However closing all of my accounts without giving ordinary consumers any reason or opportunity to provide evidence is an exercise of unchecked power Such actions leave hardworking individuals like me who rely on part time income with no means to survive especially in todays challenging job market The closure of my XXXX accounts will cause severe harm including XXXX Disrupting my only stable channel to receive income from my part time work XXXX Preventing me from paying essential bills and managing recurring payments XXXX Damaging my financial standing without giving me a fair opportunity to clarify I am formally requesting that CFPB require XXXX to Stop the closure and reinstate all of my accounts Provide a clear explanation of any specific concerns or flagged transactions Ensure that my pending disputes are processed fairly and in a timely manner Thank you for your assistance in protecting my consumer rights Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
There are collection accounts listed on my credit report that I believe contain incorrect information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate and complete credit report. I am formally requesting a review of these collection entries. If they can not be verified as accurate, I ask that they be removed from my report immediately.

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 2025-09-24 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: TX

Complaint narrative:
I am disputing several accounts reported on my credit report due to inaccuracies in balances, dates, and statuses. The account with XXXX XXXX XXXX XXXX shows a balance of {$23000.00} with a status updated in XX/XX/XXXX and an opening date of XX/XX/XXXX. The XXXX XXXX account shows a balance of {$3700.00} with a status updated in XX/XX/XXXX and an opening date of XX/XX/XXXX. In addition, multiple accounts with XXXX XXXX XXXX are listed with varying balances and dates. These include accounts opened on XX/XX/XXXX, with balances of {$1900.00} and {$1800.00} ; accounts opened on XX/XX/XXXX, with balances of {$2100.00} and {$4000.00} ; accounts opened on XX/XX/XXXX, with balances of {$4000.00} and {$8100.00} ; and accounts opened on XX/XX/XXXX, with balances of {$2000.00} and {$3800.00}. All XXXX XXXX accounts show status updates as of XX/XX/XXXX. I request that each account be fully reinvestigated and verified for accuracy, and I ask that any information that can not be verified be corrected from my credit report.XXXX XXXX XXXX  XXXX XXXX Balance {$23000.00} Status updated : XX/XX/XXXX Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance {$3700.00} Status updated XX/XX/XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1900.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1800.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2100.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$2000.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$3800.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$8100.00} Status updated XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$4000.00} Status updated XX/XX/XXXXXXXX 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
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GUARANTEED RATE INC.
State: PA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. 
This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against GUARANTEED RATE/XXXX  a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.GUARANTEED RATEXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: TX

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened these accounts, never authorized them, and was never informed of their presence. The inconsistent reporting across the three bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting.

This situation also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees my right to complete and accurate disclosures of my credit file.

Supporting documents confirming my identity and evidence of the inaccuracies have been attached.

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 2025-09-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe are inaccurate. Pursuant to my rights under 15 USC 1681e ( b ) and 15 USC 1681i, I request a full investigation into these accounts. If they can not be verified as accurate and complete, I ask that they be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/year>, I contacted SchoolsFirst Federal Credit Union ( SFCU ) via their Member Contact Center at ( XXXX ) XXXX regarding repeated declines of my online purchases and bill payments. During the call, I was informed that both my account and card had been blocked as part of the banks fraud prevention measures. 
I provided clarification over the phone by explaining the nature of my recent online transactions, and the representative acknowledged my explanation. However, later the same day, I encountered an additional issue : I was unable to access the online banking portal at https : //online.schoolsfirstfcu.org, which prevented me from reviewing my account activity and confirming the status of my transactions. 

This continued restriction is concerning, especially after having already addressed the fraud-related block. I would appreciate further assistance to restore full access to my account and ensure that future legitimate transactions are not declined.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: VA

Complaint narrative:
I have noticed collection accounts on my credit report that I believe contain inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is accurate and reliable. I am requesting a thorough 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: NV

Complaint narrative:
Hello, I am a small business owner that conducted the majority of my transactions through the Paypal service for taking payments. Without warning, my account was " limited '' and put into a restricted mode on XX/XX/year>. In order to life the restriction, they requested a copy of my ID as well as a description of how my business works. I provided my ID along with a statement clarifying that my business deals with digital completion services of video games for clients who no longer wish to play themselves. This was submitted on XX/XX/year>. 

For XXXX weeks I did not receive any updates on this matter. My funds were held without reason, and multiple calls to customer service received a response that amounted to " just wait for our review process to be complete ''. This " review '' was finished on XX/XX/XXXX, when it was concluded that my account " violates copyright '' and was permanently deactivated. They also stated that my funds will be held for an additional 90 days, pending disputes and chargebacks. 

My business does not sell, distribute, or deal in intellectual property of any kind. We sell a digital service to gamers, not any kind of creative work. While the loss of my business and personal Paypal accounts has been frustrating, the priority issue is the holding of over {$10000.00} USD in funds which I use to pay my employees, bills, and business costs. Not having these accessible to me for 3 months or more would be a massive financial burden to myself, my business, and those who rely on me. 

I am seeking the immediate release of my funds, regardless of whether or not my accounts will be reinstated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
CPFB Complaint Statement I am filing a complaint against Equifax for inaccurate and unauthorized reporting. My credit file includes fraudulent accounts ( XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX ) and unauthorized hard inquiries ( XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX ). Equifax has also failed to update my current address and phone number. These errors violate my rights under the Fair Credit Report Act, specifically regarding accuracy, permissible purpose, and duty to investigate. I am requesting immediate deletion of these items, correction of my personal information, and written confirmation of compliance. These errors have harmed my credit access and financialstability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have identified late payment entries on my credit report that I believe are incorrect. Under 15 USC 1681e ( b ) and 15 USC 1681i, my credit report must only include accurate, complete, and verifiable information. I am requesting verification of these late payment entries, and if they can not be confirmed, I ask that they be corrected or removed.

Company response to consumer: Closed with non-monetary relief