vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 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: MI

Complaint narrative:
In XX/XX/year>, XXXX reported a 30-day late payment on my credit card, even though I called on XX/XX/XXXX at XXXXXXXX XXXX  and on XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to confirm that the payment would be made on time. The problem is that XXXX shut down my online access months ago, preventing me from viewing balances, making payments, or verifying due dates. On top of that, they do not allow credit card payments from external accounts unless the external account offers XXXX XXXX. 

Because of their system limitations and negligencenot because of my actionsthis late was reported and dropped my FICO score from XXXX to XXXX. I was in the process of applying for a mortgage, my wifes vehicle, and an XXXX loan for my business. All three were either blocked or penalized due to the score drop, causing well over six figures in damages. My other accounts are in good standing, and I have a spotless credit history until this error. 

I have called XXXX every single month to resolve this and requested that the late be reversed and access restored, and none of that has been done. I am now demanding that the account be removed entirely from my credit reports due to the serious and preventable damage caused by XXXX XXXXailure to provide basic account access and reporting accuracy.

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 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
In XX/XX/year>, XXXX reported a 30-day late payment on my credit card, even though I called on XX/XX/XXXX at XXXXXXXX XXXX XXXXnd on XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) to confirm that the payment would be made on time. The problem is that XXXX shut down my online access months ago, preventing me from viewing balances, making payments, or verifying due dates. On top of that, they do not allow credit card payments from external accounts unless the external account offers XXXX XXXX. 

Because of their system limitations and negligencenot because of my actionsthis late was reported and dropped my FICO score from XXXX to XXXX. I was in the process of applying for a mortgage, my wifes vehicle, and an XXXX loan for my business. All three were either blocked or penalized due to the score drop, causing well over six figures in damages. My other accounts are in good standing, and I have a spotless credit history until this error. 

I have called XXXX every single month to resolve this and requested that the late be reversed and access restored, and none of that has been done. I am now demanding that the account be removed entirely from my credit reports due to the serious and preventable damage caused by XXXX failure to provide basic account access and reporting accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: FL

Complaint narrative:
This debt is for car insurance with XXXX. I have reached out to XXXX several times, and have spoken with Receivable management and I still have not received any correspondence. Receivable management states they received information from XXXX stating I owe {$260.00}. 
I cancelled my car insurance with XXXX due to me getting a better rate with a different company. XXXX even sent me a check for the difference. I was unaware that this was on my credit report. With car insurance companies if you don't pay your car insurance is cancelled. They refuse to send me documentation showing how I owe them {$260.00}. I am asking for this to be removed 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 2025-07-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/year>, XXXX charged my Citibank credit card ending in XXXX in the amount of {$130.00} for orders XXXX and XXXX. 

However, on XX/XX/year>, XXXX charged me again for the exact same transaction, resulting in a duplicate charge. This was not a new order it was a duplicate billing for the same purchase. 

I immediately contacted Citibank, my card issuer, who confirmed that both charges were processed by XXXX. But XXXX denies this. Despite my repeated attempts to resolve this with both companies, I have not received a refund, a proper explanation, or any assurance of corrective action. 

I made a payment for {$130.00} on XX/XX/year> to cover the first charge. 

This duplicate charge constitutes an unauthorized billing under the Fair Credit Billing Act ( 15 U.S.C. 1666 ). Both XXXX and Citibank have failed to properly investigate or resolve the issue within the required timeframe, leaving me with no choice but to escalate this to the CFPB.

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 monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and/or unverifiable information that I have attempted to resolve directly with the credit bureaus and/or data furnishers without success. Despite providing dispute letters and requesting verification in accordance with the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), the credit bureaus failed to conduct a reasonable investigation or provide sufficient documentation supporting the accuracy of the reported accounts.

Specifically : [ Collection/Charge-Off/Late Payment ] accounts are reporting inaccurately and without proper validation or original signed contracts.

No proof of permissible purpose was provided under 15 U.S.C. 1681b.

IRS Form 1099-C was not issued for a charged-off debt, or cancellation of debt was not confirmed.

Outdated or incorrect personal information ( e.g., old addresses, names, employers ) remains on my file despite formal disputes. 
Hard inquiries were added to my report without my authorization.

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 2025-07-27 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:
Since XXXX I have disputed inaccurate information on my credit report with Experian and Transunion. I have also called and report that in 2011 I was a victim of identity theft and there were accounts on my credit file that I did not recognize. I requested documentation to verify the accounts and for them to be reinvestigated. Some accounts were deleted, and others were not. The verification documents that I requested were not provided, and the investigation also took more than 30 days with Experian ( CFPB complaint # XXXX ) and Transunion ( CFPB complaint # XXXX ). 

I have been a victim of several Data breaches and according to FCRA 605B, you are legally obligated to : Block any information that resulted from identity theft within four business days of receiving my request and required documentation Notify the furnisher of the disputed information that it may be the result of identity theft Ensure this information is not reinserted without proper certification and notice.

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 2025-07-27 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: NC

Complaint narrative:
The company failed to validate these debt by not sending me all the information i ask for. 
XXXX XXXX XXXX XXXX XXXX XXXX 1. Have any insurance claims been made by any creditor regarding these ACCT? 
2. Any agreement that bears the signature of debtor. Wherein agreed to pay creditor?

3. Have any judgment been obtained by any creditor regarding this account?

4. Please provide me the name and address of the bonding agent for collection company name, incase legal action becomes necessary.

5. Sign agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector?

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 2025-07-27 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: TX

Complaint narrative:
I notice two inquiries for the same purpose within 48 hours apart from each other. XX/XX/XXXX and XXXX of XXXX 

Per the lender, " XXXX XXXX XXXX is our long-time client here at XXXX XXXX XXXX XXXX and we inadvertently pulled his credit twice within two days. This was a mistake, and please accept our apologies for any inconvenience this mistake may have caused you and affected your credit rating. The inquiry from XX/XX/year> was an error. 

Please see the attached letter. 

Thank you, 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 2025-07-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTHWEST CREDIT SYSTEMS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Request For Debt Validation Pursuant to 15 USC 1692g Be Advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) [ 15 USC 1692g ] stating your claim is disputed and validation is This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX XXXX XXXX XXXX XXXX this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ).

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. 
Also, during this validation period, if any action is taken which could be considered letrimental to any of my credit reports, I will consult with my legal counsel for suit. Thi ncludes any listing of information to a credit reporting repository that could be inaccurate c invalidated. 
If your office fails to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
XXXX XXXX XXXXXXXXTo Whom It May Concern,XXXXI am filing this complaint regarding Capital One Auto Finance XXXX XXXX XXXX XXXX XXXX XXXX forXXXXtheir failure to respond to a lawful debt validation request in violation of the Fair Credit Reporting ActXXXX(FCRA) and the Fair Debt Collection Practices Act (FDCPA).XXXXOn XXXX XXXX XXXX, I, XXXX XXXX, mailed a written dispute and debt validation request to the\ncompany via USPS Certified Mail (Tracking Number: 9XXXX XXXX XXXX XXXX XXXX XXXX. This request was\nregarding an account they are reporting under my name: Account Number XXXXThe certified mail was delivered on XXXX XXXX XXXX As of todays date, over 30 days have passed, and I\nhave not received any meaningful response, documentation, or proper validation from the company.\nUnder 15 U.S.C.  1681 (FCRA) and 15 U.S.C.  1692g(b) (FDCPA), a furnisher or debt collector is\nrequired to investigate and respond to disputes within 30 days and to cease reporting unverifiable\ninformation. Failure to respond or validate constitutes non-compliance with federal law.\nThis inaction has caused continued harm to my credit profile and financial well-being. I am requesting\nthe Consumer Financial Protection Bureau and the Federal Trade Commission to investigate this\nmatter and ensure that Capital One Auto Finance is held accountable for these violations.\nI also sent a non response on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with no results still. \nThank you for your assistance.XXXXSincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
The account COMENITYBANK/WAYFAIR on my credit report is fraudulent and illegally reporting on my credit report. This false account is harming me by lowering my score, making credit approval harder, raising interest rates, increases insurance costs, and affecting job and housing opportunities; threatening my ability to secure stable housing for me and my XXXX. This account being furnished on my credit report exposes me to collection activity and harassment on a debt that is not mine causing stress and impacts my mental health. This account is not my obligation and violates my rights under 15 U.S.C. 1681b & 1681b ( a ) ( 2 ) XXXX may only furnish or allow access to a credit report for specific permissible purposes. Reporting a fraudulent account without your consent or a valid purpose violates this ; 15 U.S.C. 1681ae XXXX  can be held liable if they knowingly allow inaccurate information to be reported or fail to ensure accuracy after being notified ; 15 U.S.C. 1692b Limits communication about debts with third parties; reporting a false debt spreads false information ; 15 U.S.C. 1692j Prohibits furnishing forms or information that falsely appear valid or from another source to deceive ; 15 U.S.C. 1692d Prohibits actions that harass or abuse consumers ; a false debt on your report can be considered abusive ; 15 U.S.C. 1692e Prohibits false or misleading representations of a debt ; 15 U.S.C. 1692f Prohibits unfair or unconscionable means of collecting a debt. 

Below is the information found on my credit report XX/XX/XXXX : Account name COMENITYBANK/WAYFAIR Account number XXXX Original creditor- Company sold- Account type Charge Card Date opened XX/XX/XXXX Open/closed Closed Status Closed. 
Status updated XX/XX/XXXX Balance- Balance updated- Credit limit $ 570 Monthly payment- Last Payment Date XX/XX/XXXX Highest balance {$570.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: EQUIFAX, INC.
State: MS

Complaint narrative:
My name is XXXX XXXX and I am a consumer/ natural man submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have inquiries on my credit report I do not recognize and are unauthorized. PLEASE DELETE THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX XXXX ( XXXX ) XXXX XXXX XXXX Experian Equifax Information Services , LLC TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX : Request for Removal of Department of EducationXXXX Account Account Number : XXXX To Whom It May Concern, I am writing to formally request the removal of an inaccurate account reported on my credit file. The account in question is with the Department of EducationXXXX, account number XXXX. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I have found discrepancies regarding the balance of the account : Experian : Reports the balance as {$3100.00}. 

Equifax : Reports the balance as {$3100.00}.

TransUnion : Reports the balance as {$3100.00}. 

The discrepancies in the reported balance for the same account are inaccurate and create confusion on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I believe the information reported is not accurate and request the immediate removal of this account from my credit report. 

In accordance with 15 U.S.C. 1681i, I expect the credit bureaus to investigate this matter and remove the account within the 30-day period.

Please confirm the removal of this account and provide me with a written response outlining the actions taken. If further documentation is required to support this dispute, I am happy to provide it. 

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 non-monetary relief
Consumer complaint received 2025-07-27 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW JERSEY XXXX XXXX ( XXXX ) XXXX XXXX XXXX Experian Equifax Information Services , LLC TransUnion Consumer Solutions XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX, GA XXXX XXXX, PA XXXX XXXX : Request for Removal of Department of EducationXXXX Account Account Number : XXXX To Whom It May Concern, I am writing to formally request the removal of an inaccurate account reported on my credit file. The account in question is with the Department of EducationXXXX, account number XXXX. Upon reviewing my credit reports from Experian, Equifax, and TransUnion, I have found discrepancies regarding the balance of the account : Experian : Reports the balance as {$3100.00}. 

Equifax : Reports the balance as {$3100.00}.

TransUnion : Reports the balance as {$3100.00}. 

The discrepancies in the reported balance for the same account are inaccurate and create confusion on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I believe the information reported is not accurate and request the immediate removal of this account from my credit report. 

In accordance with 15 U.S.C. 1681i, I expect the credit bureaus to investigate this matter and remove the account within the 30-day period.

Please confirm the removal of this account and provide me with a written response outlining the actions taken. If further documentation is required to support this dispute, I am happy to provide it. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation