vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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 did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX JPMCB Auto Chase Auto Finance XXXX XXXX XXXX XXXX XXXX TX XXXX Re : Failure to Report Paid Auto Loan FCRA Violation Dispute Account No ( s ). : XXXX and XXXX To Whom It May Concern : I am writing to dispute the failure to report a positive, paid-off auto loan account that was financed through your institution. Despite having fully satisfied all payment obligations and paid the loan in full, this account does not appear on any of my credit reports with XXXX, XXXX, XXXX, or XXXX as of [ Insert Most Recent Credit Report Date ]. 

Legal Basis for Dispute : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ), furnishers of information have a legal duty to report accurate and complete information. By failing to furnish data about a positive, closed, paid-as-agreed auto loan, you are causing significant and demonstrable harm to my credit profile by omitting valuable payment history, which would positively affect my creditworthiness under all major scoring models ( including FICO 10  and XXXX XXXX ). 

This omission is considered a form of indirect inaccuracy under FCRA 1681i and 1681s-2 ( b ), particularly as Chase Auto regularly reports other credit accounts and had a continuing obligation to update tradeline information upon account closure and satisfaction. 

Harm and Consumer Rights : Positive payment history and account closures in good standing are material elements of credit scoring and underwriting decisions. By not furnishing this data, JPMCB Auto is engaging in a practice that suppresses credit potential and may misrepresent my financial reliability to potential creditors, insurers, or landlords. This may also constitute an unfair practice under MCL 445.902 and MCL 445.911 under Michigan law. 

Formal Request : I am requesting that you : 1. Immediately furnish accurate and complete information regarding the auto loan account to the major credit reporting agencies ; 2. Ensure the account is reported as : Paid in Full Closed Paid as Agreed With accurate open and close dates, payment history, and XXXX balance ; 3. Confirm in writing that these corrections have been made ; 4. Provide me with a copy of the tradeline data reported. 

If I do not receive confirmation and corrective action within 15 business days, I will file formal complaints with : The Consumer Financial Protection Bureau ( CFPB ), The Federal Trade Commission ( FTC ), The Michigan Department of Insurance and Financial Services ( DIFS  ), and Consider legal action for negligent or willful noncompliance under FCRA 1681n and 1681o. 

This is a good faith effort to resolve the matter without escalation. Please correct this serious reporting oversight immediately. 

Sincerely, XXXX XXXX, trustee

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: PA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: TN

Complaint narrative:
I am writing to formally dispute the accuracy of several accounts and hard inquiries on my Equifax credit report. Given the significant concerns surrounding the Equifax data breach, I request a full reinvestigation under the Fair Credit Reporting Act ( 15 U.S.

Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ). 
Disputed 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I was the co-signer on an auto loan for XXXX XXXX XXXX Credit Acceptance Corporation. While the loan is now marked as " closed '' and " paid off '' ( as of XX/XX/year> ), it still reflects a history of missed and late payments on my credit report. I was not the primary borrower and had no control over the payments, yet the negative payment history continues to harm my credit. I previously disputed the entry, and the bureau responded that the information is accurate due to my co-signer status. While I understand that co-signers are financially liable, the account is paid in full and closed, and the negative marks should not continue to penalize me, especially since I wasn't the one making or missing payments. This is unfairly affecting my ability to get approved for housing and other forms of credit. I am requesting a thorough review and correctioneither the removal of the account from my report or at minimum, the removal of the derogatory payment history.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I am disputing entirely the reporting of an open Capital One account status with a balance of {$500.00} as shown on XXXX  ( Report Number XXXX ) and XXXX ( Report Confirmation XXXX ). Although the account is listed as open, it reflects continued delinquency reporting into XXXX and XX/XX/year>, despite no recent consumer activity or agreement renewal. These updates include a balance of {$500.00} and a past due amount of {$200.00}. This conduct constitutes illegal re-aging under FCRA 1681c ( a ) ( 4 ), which prohibits furnishing outdated negative information through continued updates to stagnant or inactive accounts. Capital One is currently reporting the account as 150+ days past due, which grossly exaggerates the severity and recency of the delinquency and misleads potential lenders. This violates FCRA 1681e ( b ), which requires all consumer information reported to be fair, accurate, and not misleading. Furthermore, Capital One has failed to provide evidence of current consumer engagement or a renewed agreement, rendering the information unverifiable and subject to deletion under FCRA 1681i ( a ) ( 5 ) ( A ). I expressly object to the use of any third-party databases or data brokers, including but not limited to XXXX, XXXX, XXXX, XXXX, XXXX XXXX , or similar entities in verifying this account. These sources do not hold original contract documentation and their use would violate FCRA 1681b ( a ), which prohibits non-consensual access to consumer data except for permissible purposes supported by original creditor documentation. Finally, I formally invoke FCRA 1681i ( a ) ( 8 ) and request expedited deletion of this tradeline within three business days, as permitted by law, since the information is materially inaccurate, unverifiable, and harmful. If this is not corrected promptly, I will escalate this matter to the FTC, Office of the Inspector General, and any other appropriate federal authorities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
Im filing this complaint because I previously disputed multiple negative accounts on my credit reports that contain serious inaccuracies. After waiting for a reinvestigation, I received responses from the credit bureaus stating that the accounts had been verified as accurate. But to my disappointment, the exact same incorrect and incomplete information I disputed is still being reportedunchanged. It feels like the credit bureaus di not truly check the facts. I am not satisfied with this outcome. I want to understand how they came to the conclusion that this information is accurate. Under the Fair Credit Reporting Act ( FCRA ), I have the right to know the description of the procedures used to verify the accounts I disputed. This includes knowing what steps were taken, what sources were contacted, and how those sources confirmed information that I know to be wrong. The details of my request are fully outlined in the letter attached to this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: DISCOVER BANK
State: FL

Complaint narrative:
This account was opened without my knowledge I didnt sign anything for this account and i received a judgement against me which I had no knowledge of it was sent to an address that isnt mine. I want the judgement removed and debt cleared from my credit report. This also shows opened in 2013 so it should not be reflecting on my report. Send me proof I signed with a wet signature to agree to paying this debt this is a violation of my rights and not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to dispute several inaccurate and derogatory entries listed on my Experian credit report. In light of the Experian data breach and pursuant to the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ), I request an immediate and thorough reinvestigation of the following accounts : Accounts in Dispute : 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  Balance : {$1400.00} Additionally, I am disputing the following unauthorized inquiries : 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  XXXXhese accounts and inquiries may be inaccurately reported or the result of identity misuse. Please investigate each item and, if unverifiable, remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
XXXX XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX XXXX ( XXXX ) XXXX Last XXXX SSN : XXXX Date : XX/XX/XXXX To : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute of Re-Reported Collection Account Request for Immediate Removal To Whom It May Concern, I am formally disputing a collection account that has been reinserted into my TransUnion credit report without proper validation or written notification, in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question is listed under the name XXXX XXXX XXXX, Account XXXX XXXX. This item was previously deleted from my report and has now been re-reported without written notice, as required by FCRA Section 611 ( a ) ( 5 ) ( B ), which mandates that the consumer be notified within five business days of any reinsertion. 

Additionally, I filed a formal validation request with XXXXXXXX XXXX XXXX, who responded that they would mail documentation. However, I have not received any verification to date. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector is prohibited from continuing collection or reporting activities until validation is provided. 

I requested the following information, which remains outstanding : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 

Therefore, I respectfully request that TransUnion : 1. Remove the account from my credit report immediately due to reinsertion without notice. 
XXXX. Investigate the account and require XXXX XXXX XXXX to provide documented validation, as required under the FCRA and FDCPA. 
XXXX. Confirm whether TransUnion followed all FCRA reinsertion notice procedures. 
Attached : A copy of my original CFPB complaint. 

XXXX XXXX XXXX response stating verification would be mailed. 

Please consider this a formal request for reinvestigation under FCRA 15 U.S.C. 1681i. Until proper validation is received, this account should not appear on my credit report. 

I request that this account be removed from my credit report within 15 days of receipt of this letter. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I received my credit report and noticed my personal information is incorrect. I'd like my information updated immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: CA

Complaint narrative:
I received my credit report and noticed my personal information is incorrect. I'd like my information updated immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/year> Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

Delete any and all other phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of tXXXX. The information listed below, which appears on my credit report, is the result of that 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: VA

Complaint narrative:
Please update all accounts to paid as agreed, never late. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or updated from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. 

In your investigation results please provide the names, addresses and telephone numbers of individuals you contacted during your investigation.

Company response to consumer: Closed with non-monetary relief