vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
* * DISPUTE LETTER CREDIT REPORT INACCURACYXX/XX/XXXX ToXX/XX/XXXXExperian XX/XX/XXXXXXXX XXXX, TX XXXX TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX * * From :XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXXXX/XX/XXXXSubject : XX/XX/XXXXFormal Dispute of Credit Report Errors XX/XX/XXXX Account -- - Dear Credit Bureau Representative, I am writing to formally dispute inaccurate and inconsistent information reported on my credit report regarding the following account XX/XX/XXXX XX/XX/XXXX The reporting for this account contains multiple discrepancies, which violate the * * Fair Credit Reporting Act ( FCRA XXXX ( a ), 607 ( b ), and 611 ( a ) ) XX/XX/XXXX Discrepancies IdentifiedXX/XX/XXXX Conflicting Account Status : XX/XX/XXXX Experian reports the account as Open, while TransUnion reports Closed. Inconsistent reporting violates XX/XX/XXXX FCRA 607 ( b ) XX/XX/XXXX 

XX/XX/XXXX Future Dates/ Inaccurate Dates : XX/XX/XXXXStart Date is listed as XX/XX/XXXX and Last Activity as XX/XX/XXXX on TransUnion. Clearly inaccurate. 

XXXX. * * Date Opened Mismatch : XX/XX/XXXX Experian : XX/XX/XXXX * TransUnion : XX/XX/XXXX * Minor differences still constitute inaccuracy under * * FCRA 607 ( b ) * *. 

XXXX. * * Missing Date Closed : * * * Both bureaus fail to report a closure date. 

XXXX. * * Consumer Dispute Not Fully Reflected : * * * Comments indicate the account is disputed, but reporting XXXX not fully reflect this under * * FCRA 611 ( a ) XX/XX/XXXXRequested Actions * * Under the * * FCRA * *, I request : 1. Conduct a * * full investigation * * with the creditor to verify all reported information. 
XXXX. Correct all inaccuracies, including : * Account Status * Start Date / Last Activity * Date Opened/ Date Closed * Addition of the consumer dispute comment XXXX. If the creditor can not verify the information, * * remove this account from my credit report entirely * *. 
XXXX. Provide * * written confirmation * * of the investigation results within * * 30 days * *, as required by law. 

I have included supporting documentation to verify the disputed information. Please ensure that all reporting reflects * * accurate, complete, and verified information * * in compliance with the * * FCRA * *. 

Thank you for your prompt attention to this matter. 

Sincerely, * * XXXX XXXX * * XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date of Birth : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CL Holdings LLC
State: PA

Complaint narrative:
Multiple collection accounts on my credit report are being inaccurately reported with recent Date Reported entries even though the debts are from XXXX. 
XXXX XXXXXXXX XXXX XXXX XXXXXXXX Utilities Date of First Delinquency : XX/XX/XXXX ; Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ; Reported : XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX/ XXXX XXXX Opened : XX/XX/XXXX ; Reported : XX/XX/XXXX These accounts have been re-aged in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 5 ), which prohibits furnishing inaccurate dates of first delinquency to the credit bureaus. Re-aging misrepresents the account age and causes ongoing harm to my credit profile. 

I am requesting immediate deletion of these accounts from my credit reports due to inaccurate reporting and re-aging. I have already filed disputes with the credit bureaus. Please investigate and require the furnishers to delete or correct these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ONLINE Information Services, Inc.
State: PA

Complaint narrative:
Multiple collection accounts on my credit report are being inaccurately reported with recent Date Reported entries even though the debts are from XXXX. 
Online Collections XXXX  / XXXX Utilities Date of First Delinquency : XX/XX/XXXX ; Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX ; Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX Opened : XX/XX/XXXX ; Reported : XX/XX/XXXX These accounts have been re-aged in violation of the Fair Credit Reporting Act, Section 623 ( a ) ( 5 ), which prohibits furnishing inaccurate dates of first delinquency to the credit bureaus. Re-aging misrepresents the account age and causes ongoing harm to my credit profile. 

I am requesting immediate deletion of these accounts from my credit reports due to inaccurate reporting and re-aging. I have already filed disputes with the credit bureaus. Please investigate and require the furnishers to delete or correct these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: NJ

Complaint narrative:
I am submitting this complaint regarding multiple inaccurate and unverifiable items reported on my credit report by various creditors. These errors have caused significant harm to my creditworthiness, financial reputation, and personal well-being. Despite my efforts to resolve these issues directly with the credit bureaus, the inaccuracies persist. 
XXXX XXXX  XXXX Open Date : XX/XX/year> High Credit : {$0.00} Late Payment I have never been late on payments for this account. Reporting this account as late is demonstrably inaccurate and violates FCRA Section 1681i. I request correction of the payment history to reflect accurate, on-time payments. Continuing to report inaccurate late payments can cause unjust financial harm and constitutes negligent reporting. 
I am seeking the following resolution : 1. Immediate deletion of accounts I did not authorize ( XXXX XXXX XXXX XXXX XXXX XXXX ). 
XXXX. Correction of inaccurate late payment reporting on XXXX XXXX XXXXXXXX. 
XXXX. Removal of all unauthorized inquiries ( XXXX, XXXX XXXX ). 
XXXX. Correction or deletion of incorrect address ( XXXX XXXXXXXX XXXX XXXXXXXX, XXXX, XXXX ). 
The continued reporting of inaccurate, unverifiable, and unauthorized items has caused undue stress and financial harm. I request CFPB intervention to ensure compliance with FCRA and to hold the responsible parties accountable. I expect a written response detailing the actions taken to resolve these complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: MS

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 2 personal credit card accounts opened at : XXXX XXXX XXXX, Account number : XXXX Account type : Credit card, Date opened : XX/XX/year>. This account have resulted in fraudulent past due or collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts and collections as reported. The aforementioned accounts and collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: MA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  : XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-08 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that the credit bureaus will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX  : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I purchased a American Express gift card for my nephew from a XXXX store in XX/XX/XXXX, NJ Approximately around XXXX mins later we were in XXXX in XXXX XXXX XXXX because he wanted to purchase clothes. The transaction Declined at the register. We tried again but to no avail. I then went in to the Amex site to see that the funds were placed on hold. 

I called customer service to figure out the issue and explained what had transpired. They explained that the card may have been compromised and that they would send me another card. I told them that is highly inconvenient and how would the card get compromised ; there was no other attempts at sale or anything of that sort. 

Now my nephew was sad, I was embarrassed and we had to leave the store ; and now we have to wait XXXX business days. Upon researching Amex is notorious for this and several others have experienced my frustration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: First Credit Services Inc.
State: FL

Complaint narrative:
I am reporting repeated and improper collection activity from a debt collector who refuses to identify their company or the creditor they represent. Two different phone numbers associated with the same collector have called me multiple times, often hanging up immediately after I answer.

When I finally spoke with a representative, they refused to state their name, company, or the debt they were attempting to collect until after I pointed out that under Florida and federal law, they must identify themselves and their client before requesting any verification of my identity. The representative tried to persuade me to confirm my personal information before verifying who they were.

I have never received any written notice or debt validation letter from this company prior to these phone calls, as required by 15 U.S.C. 1692g. I have twice stated clearly that I will not verify any information by phone and requested written correspondence only. Despite this, they continued to call and abruptly hang up.

I requested full debt validation, including any signed agreement or proof linking the alleged debt to me and documentation of any assignment or transfer of the debt between the original creditor and this collection agency. The caller ignored these requests and instead said they would add me to a do-not-call list, while evading my demand for written communication and validation.

These actions appear to violate several provisions of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c1692d1692g ) including failure to identify themselves, continued phone contact after a cease request, and failure to provide written validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: Block, Inc.
State: MI

Complaint narrative:
XXXX attempted to take an auto payment out and the card on file to do that had been closed due to being compromised. There are XXXX other cards on file and XXXX checking accounts to use. They advertise that if payment is unsuccessful they will try other cards on file before marking it late, adding a fee and decreasing your availability. They did not try other payments on file as I have proof and when I made payment today after discovering they did not. The card on file worked just fine. So had they tried another card like they advised there would be no late fee or decreased my availability {$400.00}. 
I asked the company about why my availability changed and they said due to failed payment. I asked why they didnt try another card on file and they again verified they usually do. They did not try any other card because there is money on all another accounts just not the card set fir preferred because it was closed due to being compromised. So they were untruthful charged me a late fee and lowered my availability

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: AR

Complaint narrative:
So my Credit report on all 3 of them shows I have 3 missed payments per 4 different loans showing 12 missed payments. This is with XXXX. The issue is my loans where in forbearance!! Also nothing was due at the time due to student loans not needing to be paid during covid and for a couple years after covid started in XXXX Once that ended they threw all these late payments on my credit which crashed my credit score. I have XXXX derogatory marks on my credit and just paid off my credit cards as well. Doing all I can to do the right thing and get my score way up but these " missed '' payments are holding me back. Its crazy that they are payed off and closed and I lose that credit history time wise yet the missed payments that were not missed are messing everything up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 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: AR

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
I set up automatic payments of a fixed amount to be applied on or before the due date each month. Every month, the payment due date comes, passes, and the payment does not occur. Auto pay fails every month. Every month, I contact their customer support, tell them what happened, and argue with them about refunding the {$30.00} late payment fee which was generated as a direct result of their autopay system failing. They have refunded the charges, but this is an unsupportable situation. I have XXXX other cards, each of which is set up with a similar autopay system. They all work reliably without failures. This repeated failure without explanation or cure seems to be intentional in a dishonest attempt to generate late payment fees where none was justified. This is a Bank of America credit card.

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 2025-11-08 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Receivables Management Partners, LLC
State: IN

Complaint narrative:
Threatening to sue on debt that I am working on settling with debt management company, now the requested amount is even more which makes no sense. I believe this to be illegal and a bullying tactic and they are using other debt to say that this one is valid. Here are some examples that support my case. 

1. Fair Debt Collection Practices Act ( FDCPA ) : Under the FDCPA, debt collectors are prohibited from engaging in abusive, unfair, or deceptive practices. If you are already negotiating a settlement with a debt management company, the collector 's continued contact and threats to sue may constitute harassment.

2. Violation of Settlement Agreement : If there is an existing agreement with the debt management company to settle your debts, the collection agency may be violating that agreement by pursuing collection efforts on the same debt. Legal precedent indicates that once a debt is placed under the management of a legitimate debt counselor, other collectors should cease attempts to collect.

3. Disputing Debt Validity : If the collector is allegedly inflating the amount owed or claiming that other unrelated debts validate this debt, this may violate the FDCPA. In XXXX v. Santander Consumer USA Inc., the court held that collectors must accurately represent the amount owed and not mix debts in a manner that confuses or coerces the debtor.

4. Employer Contact : The FDCPA also restricts debt collectors from contacting third parties about your debt, including your employer, unless they have your explicit permission or are trying to locate you. Threatening to contact your employer may be viewed as a bullying tactic and may expose them to legal repercussions.

5. Case Law on Harassment : In cases such as XXXX v. XXXX, the courts have ruled in favor of consumers when collectors engage in intimidation or threats that create undue stress or pressure on the debtor. If the collection company is aware that you are negotiating a settlement but continues to escalate threats, they may be engaging in unlawful harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XXXX XXXX, my Wells Fargo credit card was closed after three legitimate purchases I tried to make at XXXX XXXX was declined for suspected fraud. 

I personally made these transactions using my own credit card and information. After the declines I called Wells Fargo customer service/ fraud departments multiple time on XX/XX/year>, to verify my identity and confirm I am the true cardholder. 

Despite providing all the requested identification and explaining the purchase is legitimate, representatives told me that the account had been flagged and closed because they believed I was a scam. This is incorrect. I am the rightful owner of the card. And was simply trying to make a normal retail purchase. 

The closure has caused me frustration, embarrassment, and potential credit score damage. I would like this matter reviewed and corrected

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