vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am formally disputing the accuracy and validity of the following accounts listed on my credit report. I assert that these accounts are either inaccurate, outdated, unauthorized, or have been improperly reported. Under the Fair Credit Reporting Act ( FCRA ), I have the right to request a full investigation and demand that any unverifiable, inaccurate, or outdated information be removed or permanently deleted from my credit profile. 

XXXX XXXX BALANCED {$690.00} XXXX XXXX XXXX BALANCED {$0.00} DATE OPEN : XXXX XXXX, XXXX XXXX XXXX BALANCED {$14000.00} DATE OPEN : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX BALANCED {$5100.00}

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 2025-08-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I am submitting this complaint against the three major credit bureaus for failing to comply with the Fair Credit Reporting Act ( FCRA ) and for continuing to report inaccurate and unverifiable information on my credit reports.

I have submitted multiple disputes, including my most recent in XX/XX/XXXX. Despite these efforts, the bureaus have failed to correct or remove the disputed items and have instead issued generic verified responses without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This constitutes violations of 1681i ( a ) and 1681e ( b ), which require a reasonable reinvestigation and accuracy in consumer reporting.

Disputed Items Still Unresolved : Incorrect personal information Previous Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Unauthorized Inquiry XXXXXXXX XXXX, Date of Inquiry : XX/XX/XXXX Late Payment ( Closed/Paid ) XXXX XXXX , Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXXXXXX, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX  XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failures by the Bureaus : Did not provide the specific method and process used to verify the disputed items Did not provide the name, title, or contact details of the furnishers of the disputed accounts Did not provide any documentation relied upon in their verification process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 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: NJ

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY. 

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system. 

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

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 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I put my own money into an IRA at capital one back in XXXX and that was {$5000.00}. I recently wanted to pull out my money and take the fees that they would charge, however nobody ( capital one and XXXX XXXX  ) could find my account. I have been calling capital one since XX/XX/XXXX for them to track where they sold the IRA 's. All capital one agent keeps telling me that they were bought out by a company called XXXX XXXX XXXX. I called millennium trust company and they have no records of me. Capital one has no records of me by my social security either. I went into capital one branch on XXXX XXXX to try and get some kind of answer.The office manager reported my case to another department. They reached out to me by phone, but when I tried to call them back I could not get a hold of anybody. The last statement I received from capital one was in XXXX and I also received an IRS report form XXXX from capital one in XXXX and that was all I have to prove that I open an IRA. I have contacted capital one about this and nobody is giving me any answers or where my IRA went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: LA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ).

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-19 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: CL Holdings LLC
State: GA

Complaint narrative:
I called company to dispute, and I couldn't get any information or get it disputed because the information in their system and what I was providing was inaccurate. They told me to contact XXXX  and XXXX  to get it removed and if not contact them back but both bureaus said they have to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: HI

Complaint narrative:
I called JPMCB, Paid JPMCB Chase Bank in Full, they agreed to resolve, close, and remove themselves from all my credit reports, however they have not done so as they promised.... JPMCB currently shows on my credit report with a {$0.00} balance, however they did not remove themselves from my credit reports as they promised when I paid them in full at the agreed upon negotiated offer... Truly Disappointing and I am Hopeful JPMCB Chase Bank will do the right thing and Remove themselves from my credit report as they promised.... Thank You...

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: NY

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAINE & WEINER COMPANY, INC.
State: OH

Complaint narrative:
I did a lease purchase agreement with XXXX charged me for things with the truck that I didnt even have the truck for long the truck was a company truck before it went lease purchase they out this on my credit report and I shouldnt be charged for anything the garage will create a false report just to take from driver and any amount owed is suppose to stay in house not on your credit report also requested pictures of damage never received

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-19 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: MARINER FINANCE, LLC
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and ask for the removal of fraudulent information that appears on my credit report. I am a victim of identity theft, and the accounts and inquiries listed under my name are not mine. Please see the attached police report, which documents the identity theft. I have also included a copy of my identification and proof of address to verify my identity. Under the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), I request that you immediately block and remove all fraudulent accounts, inquiries, and related information from my credit file. The following items are not mine and should be deleted from my credit report : Here is the List of each fraudul
ent account : 1. XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX I ask that you provide me with written confirmation once the fraudulent information has been removed. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: TekCollect Inc.
State: PA

Complaint narrative:
I am filing this complaint against TEK-COLLECT INC for furnishing inaccurate information to the credit reporting agencies. Despite prior disputes, TEK-COLLECT INC continues to report an account that is false, unverifiable, and damaging to my credit file. This violates the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to ensure maximum possible accuracy and to delete or correct any errors once they are notified.

The disputed account is TEK-COLLECT INC ( Acct. XXXX XXXX XXXXXXXX ), with an alleged balance of {$3500.00}, reported as a collection account on behalf of XXXX XXXX XXXX, dated XX/XX/year>. This debt is being reported inaccurately and without proper verification. The collection entry is not valid, and the failure of TEK-COLLECT INC to substantiate this account is a violation of FCRA 623, which requires furnishers to report only information that can be verified and to investigate disputes in good faith.

By continuing to furnish this erroneous collection account, TEK-COLLECT INC is damaging my credit profile and acting in willful noncompliance with federal law. This false reporting has caused harm to my financial standing, limited my access to credit, and reflects a lack of compliance with obligations to maintain accuracy and integrity when furnishing information.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Service International Corp
State: TX

Complaint narrative:
Credit Service InternationaXXXX account # XXXX pursued a debt from XXXX XXXX  account # XXXX in which that account was closed and paid in full during the months of XX/XX/XXXX until XX/XX/XXXX. I recently paid Credit Service International {$410.00} on this account that was never owed on XX/XX/XXXX. I'm seeking complete and total refund and for the derogatory Collection account be removed from my credit report on XXXX XXXX, and XXXX  immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: GREENSKY OPERATIONS, LLC
State: PA

Complaint narrative:
Under Metro 2 CRRG p.2-3 ( Maintaining Accuracy, Integrity, and Consistency ), only inaccurately reported accounts should be deleted. The attached report shows multiple material inconsistencies across bureaus for the same tradelines ( XXXX  : high credit & last payment conflicts ; XXXX XXXX XXXX high credit set to {$0.00} on XXXX and contradictory month statuses XXXX XXXX/GreenSky : different last-payment dates and month statuses ). Because furnishers/CRAs can not reconcile a single accurate record, these tradelines are inaccurate and must be corrected immediately or deleted pursuant to Metro 2 and FCRA accuracy requirements. 

I have filed repeated complaints against multiple furnishers ( XXXX XXXXXXXX XXXX  GreenSky ) and all three credit bureaus ( XXXX XXXX XXXX ). Despite years of disputes, my reports remain inaccurate. I have made it extremely easy for you every inaccuracy is highlighted and documented. There is no excuse for continued reporting of false data. If these inaccurate accounts are not deleted immediately, I will escalate this beyond CFPB to state and federal authorities, including the Attorney General. At this stage, anything less than deletion within 24 hours is unacceptable. 

The continued reporting of the same inaccuracies, despite multiple disputes, demonstrates either a fundamental failure in your automated Metro 2 reporting systems or a complete lack of meaningful human review under FCRA 1681i. Either way, the result is inaccurate, unverifiable reporting that must be deleted. At this point, further excuses are unacceptable the accounts should be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 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: CA

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
XXXX XXXX number XXXX XXXX The packages were marked delivered by XXXX  XXXX  accidently but can't located the packages. I have contact bestbuy regarding this, first they told me they would send me a replacement but later said they can't offer any refund or replacement. I have confirmed with XXXX XXXX  regarding the status of the packages. They told me that the shipper would need to file a claim with them.

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 2025-08-19 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: CT

Complaint narrative:
To : XXXX XXXX Customer Advocacy Office XXXX XXXX XXXX XXXX, VA XXXX Re : Accounts ending in XXXX and XXXX Request for Correction of Credit Reporting and Compliance with IRS Requirements Dear XXXX XXXX Customer Advocacy Office , I am writing in response to your letter dated XX/XX/year>, regarding the above-referenced accounts. While you confirmed that both accounts are reported as charged-off, you have failed to address several material issues which require immediate correction.

Debt Paid in Full / Incorrect Charge-Off Reporting Both accounts have been satisfied through full payment. Continued reporting of these accounts as charged-off with a balance due is false, misleading, and in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), which requires furnishers to report only complete and accurate information. Once a debt has been paid in full, reporting it as a charged-off loss misrepresents the true status and materially damages my creditworthiness.

Failure to Issue IRS Form 1099-C If XXXX XXXX  canceled, settled, or discharged any portion of these debts in excess of {$600.00}, you are required under 26 U.S.C. 6050P and Treasury Regulation 1.6050P-1 to issue a Form 1099-C for debt cancellation. To date, no such form has been provided. Failure to comply with IRS reporting requirements constitutes an additional violation.

Demand for Corrective Action Accordingly, I demand the following remedies : Immediate removal of the charge-off designation from my credit reports for accounts ending in XXXX and XXXX. 

Update to reflect a {$0.00} balance, paid in full/closed status. 
Written confirmation of whether any portion of the debts was canceled, forgiven, or discharged, and if so, issuance of the required IRS Form 1099-C. 

Notification to all three consumer reporting agencies ( XXXX XXXX  and TransUnion ) of the corrected status. 

Notice of Escalation If XXXX XXXX fails to correct the inaccurate reporting and comply with IRS regulations, I will have no choice but to escalate this matter further by : Filing a supplemental complaint with the CFPB documenting your continued violations, Submitting a complaint to the IRS regarding failure to issue Form 1099-C, and Pursuing available remedies under the FCRA, which include actual damages, statutory damages, punitive damages, and attorneys fees.

I expect written confirmation of corrective action within 15 days of your receipt of this letter.

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