vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-21 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: PA

Complaint narrative:
RECENTLY. I DID AN INVESTIGATION ON MY CREDIT REPORT AND FOUND ITEMS ON THERE TO BE INACCURATE. 

UNDER 15 US CODE 168 ACCURACY OF REPORT WHENEVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURASY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES. 

PLEASE REMOVE THE FOLLOWING ITEMS FROM MY CREDIT REPORT INMEDIATELY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Dates Reported XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX.These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Equifax under FCRA 1681i, which correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s- 2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believe is inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 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: IL

Complaint narrative:
The information currently reported is inaccurate. Specifically, Account is reporting as an outstanding collection with a {$0.00} balance, which is inaccurate, misleading, and unverifiable. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( requirement for maximum accuracy ), 1681i ( reinvestigation of disputed information ), and 1681s-2 ( a ) ( furnisher duty to report accurate information ). Additionally, continued reporting of a {$0.00} balance account as derogatory constitutes misrepresentation under the Fair Debt Collection Practices Act ( FDCPA 807 ). I am demanding the permanent deletion of this account from my credit report. If you can not fully verify the accuracy of the information with documented evidence, you must delete it pursuant to federal law. 
Please provide me with the method of verification if you intend to continue reporting this account. As required by law, I expect your investigation and response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXXXXXX 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 2025-09-21 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: IL

Complaint narrative:
The information currently reported is inaccurate. Specifically, Account is reporting as an outstanding collection with a {$0.00} balance, which is inaccurate, misleading, and unverifiable. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), including but not limited to 1681e ( b ) ( requirement for maximum accuracy ), 1681i ( reinvestigation of disputed information ), and 1681s-2 ( a ) ( furnisher duty to report accurate information ). Additionally, continued reporting of a {$0.00} balance account as derogatory constitutes misrepresentation under the Fair Debt Collection Practices Act ( FDCPA 807 ). I am demanding the permanent deletion of this account from my credit report. If you can not fully verify the accuracy of the information with documented evidence, you must delete it pursuant to federal law. 
Please provide me with the method of verification if you intend to continue reporting this account. As required by law, I expect your investigation and response within 30 days of receipt of this letter. 
Sincerely, XXXX XXXXXXXX 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 2025-09-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
a company i worked for owed me XXXX $ these people took most igot less than XXXX $ I want to return the check. and go it on my own they for should be XXXX XXXX this greed is too much. Iam on fixed income and need my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: NC

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-21 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: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXX  Issue : Re-aged payment history, remark code manipulation, failure to validate, continued inaccurate reporting Details of Complaint : I disputed accounts reported by XXXX XXXXXXXX XXXX and mailed certified validation requests pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite this, no mailed validation has been provided. Instead, XXXX XXXXXXXX XXXX has continued reporting and even retroactively re-aged payment history to worsen my standing. 

Payment history on my credit report was changed from XXXX to XXXX days late without supporting documentation. 

Remark codes were added and removed multiple times between XXXX XXXX XXXX, altering the account status and confusing the record. 

These accounts continue to report negatively across Experian, Equifax, and TransUnion. 

No proper validation of the debt has ever been mailed, only electronic messages through their servicer.

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 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been logging into my Experian credit report for some time now. I have also been trying to dispute items on my report only to have them say that the information was validated as correct. A couple of months ago I reached out to Experian and asked them why my credit report had not changed in about 1 year and they said that there may not have been any changes in my account but they have been adding accounts, dates, inquiries and balances on my account. That means that there have been changes in my account but they have not updated them so I cant get any correct information from them. I have also tried to dispute items on their site only to be told that they were validated as correct. Today I logged into and there was a notice that they have not updated my account due to Experian having different information than the lenders. Which seems weird to me because they say everything is correct but now tell me that they have different information than the lenders, and according to the CFPB website it is illegal for them to report information that is not verified as correct. I believe that if this is the case then they need to wipe this account clean of a and all items and also be held liable for possible negative outcomes due to their careless and incorrect reporting.

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 2025-09-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: SC

Complaint narrative:
Subject : Request for Verification and Investigation Jefferson Capital Systems Account Dear XXXX, I am writing regarding an account that appears on my credit report. I am requesting verification and additional information concerning the following account : Creditor Name : Jefferson Capital Systems Account Number : XXXX Under the Fair Credit Reporting Act ( FCRA ), I am entitled to the accuracy and completeness of all information reported. Therefore, I request that you provide the following details regarding this account : The Date of First Delinquency ( DOFD ) associated with this account. 

The Date of Last Payment reported on this account. 

The Date of Last Charge-Off, if applicable. 

If this information can not be verified with the furnisher, I request that the account be corrected or removed from my credit file in accordance with the FCRA. 

Please conduct an investigation into this matter and provide me with the results in writing. 

Thank you for your timely attention to this reques

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as my second formal dispute regarding the above-referenced account. I submitted a request for investigation under the Fair Credit Reporting Act ( FCRA ) regarding inaccurate and unverifiable reporting of a charge-off account in the amount of {$10000.00}. 

You have since responded by claiming the account was verified, yet no supporting documentation has been provided. As a consumer, I am entitled to see the evidence relied upon in order to maintain this derogatory entry on my credit file. Without proper documentation, your verification process is incomplete and fails to meet the legal requirements under the FCRA. 
Violations & Failures Noted : FCRA 611 ( a ) ( 1 ) ( A ) requires a reasonable reinvestigation of disputed items. A mere confirmation from the furnisher without documentary evidence does not satisfy this requirement. 
FCRA 611 ( a ) ( 5 ) ( A ) requires deletion of any item that can not be verified. Since no signed contract, account statements, or original records have been provided, continued reporting constitutes inaccurate and unverifiable reporting. 
FCRA 623 ( a ) ( 1 ) ( A ) prohibits a furnisher from reporting information it knows or should know to be inaccurate. Reporting a charged-off account with an active past-due balance contradicts charge-off accounting practices and may indicate an inaccurate status. 

If a 1099-C debt cancellation form was filed, reporting this account as collectible is misleading and violates both FCRA and FDCPA 807 ( 2 ) ( A ), which prohibits false representation of the character or legal status of a debt. 

My Demands : Provide a copy of the original signed credit agreement or contract. 
Provide all account statements that verify the alleged balance. 
Provide documentation proving no debt cancellation ( 1099-C ) was filed. 
If you can not provide these items within the required timeframe, you must delete this account from my credit file immediately. 
Failure to comply will leave me no choice but to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. I am also prepared to pursue civil remedies under FCRA 616 and 617. 

I expect your response within 15 days of receipt of this letter, as you are now on notice of your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: MortgagePros, LLC
State: CO

Complaint narrative:
I closed on my refi with Mortgage Pros on XX/XX/XXXX. My closing officer XXXX, assured me to expect my refund for the inspection and my escrow payments by XX/XX/XXXX. I started trying to communicate with him when I had not received my payments by XX/XX/XXXX. I texted him every day and he ignored me. I called him and he ignored me. I left messages for him and his supervisor and finally heard from the supervisor, XXXX XXXX on XX/XX/XXXX. XXXX promised to research my situation and get back to me. He asked me for documents that I promptly provided. I texted XXXX on XX/XX/XXXX when I had not heard from him and again on the XXXX. I called and left messages for him and finally heard from him on XX/XX/XXXX when he told me he had taken time off to help a family member move. He suggested that I contact the old mortgage company and ask them to overnight the escrow payment. They had already mailed it by the time I heard from them. I have texted and called several times and he still hasn't let me know about the refund check for the inspection. I have asked him several times to send me the payment overnight and he has not responded. It has now been over 3 weeks and I don't even know if they're sending it, let alone when. I have over {$4000.00} owed to me and they don't have the courtesy to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MoneyLion Inc.
State: NJ

Complaint narrative:
The history of the account is incorrect and has been for years. Ive asked the company to update or delete it and they have not.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Winklevoss Exchange LLC
State: NJ

Complaint narrative:
Hi, I opened XXXX account for a XXXX dollars promotional bonus. I have completed the requirements, but they did not credit the bonus to my account. I have sent 4 emails to them but 3 of them received no response and 1 received a response without any useful information. 

I'm attaching 1 screenshot of the offer page, and 1 screenshot and 1 transaction log showing that the requirement has been met. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: GA

Complaint narrative:
Complaint Regarding Experians and Transunion 's Continued Reporting of Fraudulent Information To Whom It May Concern, I am submitting this formal complaint against Experian and Transunion for continuing to allow XXXXXXXX XXXX XXXX  to report late payments on an account that is closed and has already been disputed. I have filed a report with the Federal Trade Commission ( FTC ) regarding this matter, and I demand that Experian and Transunion immediately cease reporting inaccurate and fraudulent information. 

I want to make clear : I am homeless, on public assistance, and suffering from XXXX XXXX XXXX XXXX. This unlawful reporting is causing further harm to my wellbeing. 

I have already conducted an audit with the Department of Treasury. 

I have taken back over my estate and act as Power of Attorney and Fiduciary of my estate. 


Your continued reporting violates multiple laws and protections, including but not limited to : Fair Credit Reporting Act ( FCRA ) : Failure to ensure maximum possible accuracy of consumer information and failure to properly investigate disputes. 

Uniform Commercial Code ( UCC ) : No valid contract or agreement exists binding me to this alleged account. 

General Accounting Principles ( GAP ) : You can not lawfully report or allow the reporting of invalid or fraudulent debts. 


I am putting Experian and Transunion on notice that if this unlawful reporting continues, I will be left with no choice but to pursue civil action for damages, violations of federal law, and willful negligence. 

I demand : 1. Immediate removal of the XXXX XXXXXXXX XXXX account and any related late payment history from my credit file. 


2. Written confirmation of this deletion within 15 days. 


3. A full record of Experians and Transunion investigation into this matter. 



Failure to comply will result in legal proceedings being filed.

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 2025-09-21 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: GA

Complaint narrative:
Complaint Against : XXXX XXXX XXXX  Issue : Re-aged payment history, remark code manipulation, failure to validate, continued inaccurate reporting Details of Complaint : I disputed accounts reported by XXXX XXXXXXXX XXXX and mailed certified validation requests pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Despite this, no mailed validation has been provided. Instead, XXXX XXXXXXXX XXXX has continued reporting and even retroactively re-aged payment history to worsen my standing. 

Payment history on my credit report was changed from XXXX to XXXX days late without supporting documentation. 

Remark codes were added and removed multiple times between XXXX XXXX XXXX, altering the account status and confusing the record. 

These accounts continue to report negatively across Experian, Equifax, and TransUnion. 

No proper validation of the debt has ever been mailed, only electronic messages through their servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I had received a private student loan called XXXX, because of financial problems in 2019, i couldnt pay anymore, i had been trying to get on my feet financially, however one day i check the app, and i see the loan has been paid off completely, now Navient has reported the loan to the credit Bureau XXXX  and i have no idea whats going and i have never recieved any communication from them and this has severely ruined my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-21 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Bank Accounts including Chase Bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX XXXXXXXX. Figures manipulated charge twice for pending charges After comunication with customer service on several occasions even Bank couldn't give questions for verification that made since. My credit report was affected and thats after filing Bankruptcy. I file XXXX reports with FTC and i was referrred to you from relative that worked for FDIC

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: MD

Complaint narrative:
I recently review a copy of my credit report alot of inaccuracies reporting under this account and it is hurting my ability to obtain credit. It is my understanding that you will conduct a investigation for me to ensure maximum accuracy of this account below 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