vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Statebridge Company
State: CA

Complaint narrative:
I am filing this complaint regarding a XXXX late mortgage payment that Statebridge Company reported from XX/XX/2025 on my mortgage account ( XXXX XXXX XXXX ). 

I fully acknowledge the payment was received after the grace period, but it was an isolated and unintentional oversight. My mortgage has been transferred between different servicers over the years, but throughout that time including with Statebridge I have maintained an otherwise consistent and responsible payment history. This XXXX late payment was the only exception, and I corrected it immediately once I realized the mistake. 

The late payment has had a severe negative impact on my credit standing despite years of on-time payments. I contacted Statebridges customer service department twice to request a goodwill correction or courtesy adjustment, but I was told they could not assist, even though mortgage servicers do have the discretion to request a goodwill update under XXXX XXXX guidelines when appropriate. 

I am not disputing the accuracy of the payment timing ; I am requesting that Statebridge reconsider a goodwill correction based on the full context of my long-term positive payment behavior. Many servicers offer courtesy removal of a single late payment for borrowers with reliable histories, and I believe this situation qualifies. 

I have also expressed my willingness to enroll in automatic payments to ensure all future payments are submitted on time, removing any risk of this type of oversight occurring again. 

I am respectfully asking that Statebridge review my account more closely and consider submitting a courtesy credit reporting adjustment for the XX/XX/2025 late payment. I am simply asking for fair consideration based on my overall performance and good faith as a borrower. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to send money to another person
Company: Block, Inc.
State: FL

Complaint narrative:
cash app locked me out of my main cash app account know i cant log into any cash app i need help getting my money or getting into my acccount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATI

ON ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I received a call from XXXX XXXX saying someone opened XXXX accounts in my name and transferred money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please take a lookthis entry was done late and might be wrong.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am submitting this formal dispute and legal demand concerning multiple inaccurate personal identifiersincluding names and addressesthat are currently being reported across my credit files. 
I hereby affirm that I have never used, authorized, or been associated with the listed aliases, and I have never resided at the reported addresses appearing on my consumer reports. These entries are false, misleading, and unverifiable, and they have no lawful connection to me or my financial history. 

The continued reporting of these incorrect names and addresses constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy in the information they furnish. Additionally, under 15 U.S.C. 1681i ( a ), you are legally required to conduct a prompt and thorough re-investigation of disputed information upon receiving notice of inaccuracy.

The presence of this false personal information creates a heightened risk of identity confusion and potential fraud, directly harming my ability to obtain credit, employment, or housing under fair and accurate conditions. These errors may also indicate negligent data handling in light of ongoing national identity theft and data breach concerns.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I claim no association with these accounts ; they should be taken down in 15 days per USC 1681g.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX TrueAccord XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Dear TrueAccord, Acct : XXXX XXXXXXXX XXXX Acct : XXXX XXXX XXXX XXXX Acct : XXXX TrueAccord Acct : XXXX TrueAccord I am writing to inform you that reporting information to my credit reports ( XXXX XXXX XXXX ) is a form of communication subject to the Fair Credit Reporting Act ( FCRA ). As such, I request that you cease and desist all communication with regards to my credit report. 


Under the FCRA, I am entitled to certain protections and rights when it comes to the information contained in my credit report. Specifically, I am protected from inaccurate or outdated information being reported, as well as from any unauthorized access to my credit report. 


Furthermore, I would like to remind you of the following FCRA codes that pertain to my rights as a consumer : - FCRA Section 611 : Procedures for Investigating Disputed Information - FCRA Section 615 : Requirements Relating to Adverse Actions - FCRA Section 616 : Civil liability for willful noncompliance - FCRA Section 617 : Civil liability for negligent noncompliance I expect that you will comply with my request to cease and desist all communication regarding my credit reports ( XXXX XXXX XXXX  ). Failure to do so may result in legal action being taken against you. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
This account was opened XXXX XXXX per XXXX XXXX. The amount is XXXX. The company is NAVY FEDERAL CREDIT UNION. I contacted navy federal and asked them to provide me with the company which was XXXX XXXX XXXX XXXX. Ive called this company over XXXX times with no communications from XXXX to this previously. Navy federal told me they reached out and the company said it was my loan. Which is not true.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
I have filed two previous complaints that Chime has not properly responded to. 
I am reporting multiple violations of Regulation E in connection with unauthorized debit card transactions totaling {$5500.00} ( Claim ID : XXXX, Acct ending XXXX ). 

Chime repeatedly mishandled my dispute. They opened the claim under the wrong dispute reason, improperly closed it multiple times, and forced me to restart the timeline over and over. 

When they denied my dispute, they failed to provide a legally required written explanation of the reason for denial, as required by 12 CFR 1005.11 ( d ) ( 1 ). 
Instead, they sent me a generic letter stating no error occurred and attached only a list of transactions but no evidence, no investigation details, and no explanation of why they claim the transactions were authorized. 

This means I have still not received a proper written notice of the basis for their decision. 

Under 12 CFR 1005.11 ( c ) ( 1 ), Chime was required to issue provisional credit within 10 business days. I reported the unauthorized charges on XX/XX/year>, and still have not been issued provisional credit. Instead, Chime repeatedly reopened the claim due to their own errors, which is not allowed to restart the provisional credit timeline. 

Because they mishandled the claim, delayed the investigation, failed to send required documentation, and refused provisional credit, they caused me financial hardship and XXXX  stress. 

Their final determination email STILL does NOT meet legal requirements Their email said : Based on our investigation, we have concluded no error occurred. 

That is NOT a compliant denial under 12 CFR 1005.11 ( d ). 

A compliant denial must include : the actual reason they believe the transaction was authorized ( not provided ) the evidence used to deny the claim ( not provided ) the method they used to verify the transactions ( not provided ) device data, IP logs, merchant proof, anything showing cardholder involvement ( not provided ) AND they must send it within 3 business days of the decision ( they waited 10 days ) They failed on ALL required points. 
This is not a valid denial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
i have been trying to get away from my mortgage company for years. Every time i do i am blocked because they are not reporting any thing to the credit bureaus. I have asked them for a modification and have been denied, they told me to appeal it which I did and before I got an answer a law firm pit a foreclosure sale on our house. I have done what hey told me every step of the way but they are not admitting to this mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Please go through this entry ; being done late means it may have errors.

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 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Kindly examine the materials ; the questions were unexpected and might not be validated.

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 2025-11-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
MIDLAND CREDIT MANAGEM is falsely reporting on my credit. I have never had any accounts with them. Per my research MIDLAND CREDIT MANAGEM is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the following accounts on my TransUnion credit report. These entries contain inaccuracies, and I request they be investigated and corrected according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts XXXX XXXX XXXX XXXX XXXX Inquiries 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 non-monetary relief
Consumer complaint received 2025-11-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
The bureau failed to conduct a reasonable reinvestigation after I disputed, violating 15 U.S.C. 1681i ( a ) ( 4 )

Company response to consumer: Closed with explanation