vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX XXXX - Acct # XXXX - Closed - Charge off XXXX XXXX XXXX - Acct # XXXX - Closed - Charge off - Balance {$530.00} XXXX XXXX - Acct # XXXX - Closed - Charge off - Balance {$2500.00} XXXX XXXX - Acct # XXXX - Closed - Charge off - Balance {$4500.00} XXXX XXXX XXXX XXXX Acct # XXXX - Closed - Charge off - Balance {$71.00} XXXX XXXX XXXX XXXX Acct # XXXX - Closed - Charge off XXXX XXXX XXXX XXXX Acct # XXXX - Collection - Balance {$7900.00} XXXX XXXX XXXX XXXX Acct # XXXX - Collection - Balance {$420.00} XXXX XXXX XXXX - Acct # XXXX - Collection - Balance {$800.00} XXXX XXXX XXXX XXXX - Acct # XXXX - Collection - Balance {$750.00} XXXX XXXX XXXX XXXX - Acct # XXXX - Collection - Balance {$630.00} PLEASE REMOVE THESE FRAUDULENT INQUIRIES : XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/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 2025-12-09 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: UT

Complaint narrative:
Under fcra 6 23 a5 experian transunion and equifax are allowing a charge off fromXX/XX/XXXXon my credit report that has been reaged and the date of first deliquency is inccorect

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 2025-12-09 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: UT

Complaint narrative:
Under fcra 6 23 a5 experian transunion and equifax are allowing a charge off fromXX/XX/XXXXon my credit report that has been reaged and the date of first deliquency is inccorect

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I am trying to dispute innaccurate information on my Experian credit report. When I attempt to dispute online, Experians 's system does not allow it and shows the message : " For your security, we can not process your dispute online. '' I do not want to dispute over the phone because Experian 's customer support is difficult to reach, and their AI/chat support is not helpful. Their refusal to accept an online dispute effectively prevents me from exercising my rights under the Fair Credit Reporting Act. I request that Experian provide a proper method to submit my dispute and respond in writing.

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 2025-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/year>, I received an email from Capital One labeled as a scam warning. The email included promotional imagery of two women in a romantic pose. I found this content inappropriate and irrelevant to a financial security notice. I expect communication from my credit card company to remain professional, neutral, and limited to account or security matters. 

I do not want identity-based or lifestyle-based imagery included in emails from Capital One. I contacted Capital One to express my concerns, but I am filing this complaint because I want the company to remove this type of content from my communications and ensure it does not continue. If this type of messaging persists, I will consider taking my business elsewhere. 

I am requesting that Capital One document this complaint and update my communication preferences so I no longer receive emails containing unrelated or inappropriate imagery.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within XXXX business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: AZ

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX AZ XXXX Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Dispute of Inaccurate Information on My Credit Report Dear Experian, I am writing to dispute the following inaccurate information on my credit report, which I found during a recent review of my report from Experian. This dispute is being submitted pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates the reporting of accurate information by credit reporting agencies and furnishers of credit data. 

Disputed Account Details : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX. XXXX  XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX This account is inaccurately reported. I am attaching supporting documentation to prove that the information is incorrect, including : - Copy of ID - SSN - Proof of Address According to the FCRA, you are required to investigate my dispute within 30 days of receiving this letter. I also remind you that under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, debt collectors and creditors must report accurate information and correct or delete incorrect data promptly.

Request for Action : 1. Remove or Correct the Inaccurate Account : Please delete or correct this inaccurate information from my credit report across all relevant credit bureaus.

2. Provide a Written Response : I expect a written acknowledgment of your receipt of this dispute within five ( 5 ) business days, and a final resolution within the legally mandated timeframe.

3. Notify the Bureaus : If you determine that the account was reported incorrectly, please inform all three credit bureaus so they can update my report accordingly.

Failure to comply with these federal laws may result in a complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the State Attorney Generals Office.

Legal Notice : Please be advised that this letter serves as formal notice that I reserve my rights under all applicable federal and state consumer protection laws. If further inaccuracies or noncompliance are identified, I may pursue additional actions. 

Thank you for your prompt attention to this matter. Please send any responses or updates to XXXX. 

Sincerely, 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 2025-12-09 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: IA

Complaint narrative:
After checking my latest report I noticed multiple accounts reporting still without my knowledge these are not my accounts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: SC

Complaint narrative:
I am submitting this follow-up complaint because Experian, Equifax, and TransUnion continue to report multiple inaccuracies, outdated, and misleading late payment notations across several of my accounts. Despite these accounts being either completed, closed with {$0.00} balances, or in final processing, these errors remain on my credit reports and violate the accuracy, reinvestigation, and correction requirements under FCRA 602, 611, 623 ( a ) ( 2 ), and 623 ( b ). After reviewing all three credit reports, I found that the same sequence of late payment notations many of which do not align with my actual payment records are still being reported. For example, my XXXX XXXX  account ( account number XXXX XXXX XXXX ) opened XX/XX/XXXX, last active XX/XX/XXXX, and currently at {$0.00} balance, continues to show multiple late payment notations including XXXX lates from XXXX, XXXX, XXXX, XXXX lates in XX/XX/XXXX and XX/XX/XXXX, and a XXXX late in XX/XX/XXXX, despite the account being closed and satisfied. Additionally, my closed XXXX  accounts, including XXXX XXXX XXXX XXXX  ( opened XX/XX/XXXX, last active XX/XX/XXXX, balance {$0.00} ), are still showing late notations for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, even though the account was completed on time and finalized with a XXXX balance. Another closed account, XXXX XXXXXXXX XXXX XXXX  ( opened XX/XX/XXXX, last active XXXX, balance {$0.00} ), continues to reflect late XXXX entries in XX/XX/XXXX and XX/XX/XXXX, as well as a XXXX late in XX/XX/XXXX, despite being fully paid and closed. Furthermore, the XXXX XXXX Federal accounts that are currently in the final processing stages XXXX FCU XXXX ( {$3400.00} ), XXXX FCU XXXX ( {$2500.00} ), and XXXX XXXX  XXXX ( {$2800.00} ) are being reported with outdated or incomplete status information that fails to accurately reflect their current condition. This violates the furnishers ' obligation under FCRA XXXX to provide timely and accurate updates. Despite multiple disputes, the credit bureaus have failed to correct these ongoing inaccuracies, and as a result, these incorrect late marks and inconsistent reporting continue to harm my credit profile, misrepresent my payment history, and violate several sections of the Fair Credit Reporting Act, which require accuracy, fairness, and full corrections of disputed information.

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 2025-12-08 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: PA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT 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 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

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 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
issue : illegal credit reporting - debt collector re-aged an account and reported false delinquency dates. 

Description ( full complaint ) : i am filing a complain against Kimball , Tirey & St. John LLP for illegally re-aging a debt and furnishing false credit information, in violation of the Fair Credit Reporting Act ( FCRA ) and the California Fair Credit Reporting Act ( CFCRA ). 

My last payment on the underlying debt was in XX/XX/XXXX, and per FCRA 623 ( a ) ( 5 ), this date can not legally be changed by any subsequent collector or debt buyer. 

However, XXXX, XXXX & XXXX XXXX is reporting the account on my credit report with the following incorrect individual responsibility and inaccurate and impossible dates : Date opened : XX/XX/XXXX First delinquency : XX/XX/XXXX Account Type : Individual Debt This was a joint lease with two other co-signers. Reporting this account as an individual debt violates FCRA 607 ( b ) and 623 ( a ) ( 1 ), as the credit report does not accurately reflect the contractual responsibility.

These dates are factually incorrect and do not match the true history of the account. This is a clear case of unlawful re-aging, which falsely makes the debt appear newer, damages my credit score, and improperly extends the reporting period far beyond the legal XXXX limit tied to the original XXXX delinquency. 

This violates multiple provisions of federal and state law, including : FCRA 607 ( B ) - failure to report with maximum possible accuracy FCRA 623 ( A ) ( 1 ) - furnishing information known or believed to be inaccurate FCRA 623 ( A ) ( 5 ) - reporting an incorrect date of first delinquency California CCRAA and Rosenthal Act Additionally, i have disputed this account twice with the credit bureaus, and XXXX, XXXX & XXXX XXXX verified the same false dates both times. This indicates they are knowingly providing inaccurate information and failing to conduct a proper investigation, which is a willful violation of FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 5 ).

I have not received any documentation from the company validating the debt, proving ownership, or explaining why they reported these incorrect dates.

Please see below the document i have attached : Lease agreement with all the tenants and lease date from XX/XX/XXXX to XX/XX/XXXX. The apartment was vacated early in XXXX of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: OK

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE

Complaint narrative:
On XXXX I noticed that there were withdrawals to my account to XXXX XXXX that I did not authorize. There were also XXXX checks written for {$1000.00} each to me and mobile deposited into my account. I did not authorize these deposits, nor sign the back of the checks. I called Bank of America that evening and reported the fraud. The next day I realized that someone had been moving money between my savings account and my checking account and I called Bank of America again to report this and to ask that my account be frozen. Initially I was only told they would send me a new debit card. No one put a fraud alert on the account nor froze the account. 
An agent at the bank, put a freeze on the account at my request and then helped me set up a new account where I transferred money from my savings account so that it could not be taken as well. Over the next few days the checks bounced and {$2300.00} changed from processing to officially being fraudulently taken from my account. 
I was told by the agent I spoke to on the phone that a fraud department would look into it and I should receive my funds back in XXXX to XXXX days. 
On XX/XX/XXXX I lost XXXX banking access to the bank account that had no fraud on it and nor could I see any information on the fraudulent account. When I called the bank, they said that my account was closed for fraud and that they denied my claim and that I would have to make an appeal. On XX/XX/XXXX in the evening I faxed the claims department per their direction an appeal on the denial for the claim and stated that I did not make these authorizations for XXXX XXXX transactions nor did I deposit the checks. I did not hear back from the bank. Today I got a letter dated XX/XX/XXXX saying my accounts were closed and that they would mail me a check for any funds that were in my account. No one has responded to my appeal nor answered any questions that I have about the fraud department decision. When I spoke to an agent at the bank, they were very dismissive and told me I needed to talk to the people in claims, but I had just been transferred from claims to fraud prior to that. 
I have had {$2300.00} stolen from me. I have reported this to the FTCs identity theft program. I have reported it to the bank, but I have not gotten further response.

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 2025-12-09 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: CO

Complaint narrative:
Please correct/update this inaccurate information on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Please correct/update this inaccurate information 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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: MA

Complaint narrative:
On XX/XX/year>, I sent Credit Control LLC a formal Cease & Desist and dispute letter pursuant to FDCPA 15 U.S.C. 1692c ( c ) and 1692g ( b ), requesting full validation of the alleged telecommunications debt and ordering the company to stop all communication until validation was provided. 

The company has not provided any of the legally required documentation, including the original contract, itemized account history, proof of assignment, or proof of their authority to collect this debt. They continued to attempt collection and continued reporting the account without validation. 

Attempting to collect or report a disputed and unvalidated debt violates FDCPA 1692g ( b ), 1692e, and 1692f, as well as FCRA 623 ( a ) ( 1 ) ( A ). The company has not complied with federal law and has not responded appropriately to my written dispute.

I am requesting that the CFPB investigate this matter and require the company to cease collection, stop all communication, and remove the collection account from all consumer reporting agencies due to lack of validation and improper handling of the dispute.

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