vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am disputing an invalid hard credit report inquiry reported by experian credit reporting on my credit report .File # XXXX. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act. Since it does not meet the legal standards for reporting, I request its immediate removal.if the furnisher can not provide proper validation, it must be deleted per federal law 15 U.S.C & 1681. 

Due to a chain of events, I never authorizes this consumer transaction. 
Please remove this from my report 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 2025-03-15 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:
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 XXXXXXXX To whom it may concern, I recently received a copy of my credit report and notice some discrepancies posted on my credit report : ALL of these CLOSED accounts are reporting Late Payment. 


XXXX XXXX XXXX closed but still reporting late payments XXXX XXXX XXXXXXXX but still reporting late payments XXXX XXXX- Closed but still reporting late payments XXXX XXXX XXXX- Closed but still reporting late payments XXXX- Closed but still reporting late payments Your company is in clear violation on the law. Under 15 USC 168ib permissible purpose of consumer reports, the law clearly states : ( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the customer to whom it relates Did I give you written instructions to furnish this on my credit report?

Furthermore the fair credit act 15 USC 168 ( 2 ) ( c ) ( I ), exclusions from the consumer credit act clearly states : ( 2 ) Exclusion- except a provide paragraph ( 3 ) the term consumer report does not include ( A ) Subject to section168is -3 if this title, any ( 1 ) Report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete all of the above late payments from my credit report, for this agency is in direct violation of act. 15 USC 168i.

Failure to respond satisfactorily with the deletion of the above items, and sent out a free copy of my credit report once the changes are made, will result in legal action against your company for which I will be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent enablement of identity fraud. 
3. Fair debt collections practices act 15 UCSC 1692 violations 4. Fair credit reporting act 15 USC 168i violations for willful noncompliance- 616. Civil liability for willful noncompliance [ 15 USC 168i ] Best regards

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NC

Complaint narrative:
I am writing to dispute the inaccurate reporting of a late payment on my credit file associated with account number XXXX. This is a formal demand for immediate correction under 15 U.S.C. 1666b and the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ).

According to 15 U.S.C. 1666b, creditors are required to promptly credit payments to consumer accounts as of the date they are received, provided the payment instructions are reasonable and clearly stated. I submitted my payment on XX/XX/XXXX, following all designated instructions. Any claim that my payment was late is both inaccurate and in violation of federal law. 



Furthermore, under the CARES Act, creditors were required to offer payment accommodations to consumers impacted by COVID-19. These accommodations included protections to ensure that accounts in good standing were not reported negatively if payment arrangements were made. I took proactive steps during the COVID-19 pandemic to maintain my account in good standing, and this inaccurate reporting contradicts the legal protections afforded to consumers under this law. 



As a result of your unlawful reporting, my credit profile has been unfairly damaged, potentially impacting my financial opportunities. Therefore, I am seeking monetary compensation for each inaccurate late payment reported on my credit file. This includes damages for the harm caused to my creditworthiness, emotional distress, and the time spent correcting this matter. 



I demand that this incorrect late payment be immediately removed from my credit report and that my account reflects the accurate payment history I have maintained. I also expect a written statement confirming the steps you are taking to resolve this issue, along with a reasonable monetary settlement for the damages caused. 



If I do not receive a satisfactory response within 14 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action to seek full compensation for the harm caused. 



This matter requires your immediate attention. I strongly advise you to address this issue promptly to avoid further escalation.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to dispute the inaccurate reporting of a late payment on my credit file associated with account number XXXX. This is a formal demand for immediate correction under 15 U.S.C. 1666b and the CARES Act ( Coronavirus Aid, Relief, and Economic Security Act ).

According to 15 U.S.C. 1666b, creditors are required to promptly credit payments to consumer accounts as of the date they are received, provided the payment instructions are reasonable and clearly stated. I submitted my payment on XX/XX/XXXX, following all designated instructions. Any claim that my payment was late is both inaccurate and in violation of federal law. 



Furthermore, under the CARES Act, creditors were required to offer payment accommodations to consumers impacted by COVID-19. These accommodations included protections to ensure that accounts in good standing were not reported negatively if payment arrangements were made. I took proactive steps during the COVID-19 pandemic to maintain my account in good standing, and this inaccurate reporting contradicts the legal protections afforded to consumers under this law. 



As a result of your unlawful reporting, my credit profile has been unfairly damaged, potentially impacting my financial opportunities. Therefore, I am seeking monetary compensation for each inaccurate late payment reported on my credit file. This includes damages for the harm caused to my creditworthiness, emotional distress, and the time spent correcting this matter. 



I demand that this incorrect late payment be immediately removed from my credit report and that my account reflects the accurate payment history I have maintained. I also expect a written statement confirming the steps you are taking to resolve this issue, along with a reasonable monetary settlement for the damages caused. 



If I do not receive a satisfactory response within 14 days, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and pursue legal action to seek full compensation for the harm caused. 



This matter requires your immediate attention. I strongly advise you to address this issue promptly to avoid further escalation.

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 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
subject : Formal Complaint Unresolved XXXX  Cancellation Claim ( XXXX ) I am filing a formal complaint regarding an unresolved XXXX  cancellation claim with Chase Credit Card Benefits. I submitted my claim ( Claim # XXXX ) four months ago, yet Chase has failed to take action despite multiple follow-ups. 

According to Chases policy, claims should be resolved within seven business days. However, I have repeatedly contacted their customer service by phone and email, and each time, I have been given no meaningful response or resolution. This delay is unreasonable and in direct violation of their stated policy. 

I request that this matter be escalated immediately and that Chase be held accountable for failing to process my claim within the promised timeframe. I would appreciate your assistance in ensuring that Chase honors its commitment and provides a timely resolution. 

Please let me know if you need any additional information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
XXXX XXXX  ( Account : XXXX ) I recently reviewed my credit report and noticed that my XXXX XXXX  account is inaccurately reporting a late payment. However, all payments have been made on time, and this late payment notation is incorrect. Under the Fair Credit Reporting Act ( FCRA ) 623 ( 15 U.S.C. 1681s-2 ), furnishers of information are required to ensure the accuracy and completeness of the data they report to consumer reporting agencies. Reporting information with actual knowledge of errors is a direct violation of this law.

The credit reporting agencies have an obligation to maintain accurate and up-to-date records. My account has never been late, and I have attached a copy of my credit report reflecting this error, with relevant dates highlighted for reference. The incorrect late payments are reported as follows : * TransUnion and Experian incorrectly show a 30-day late payment for XX/XX/year>. 
* Equifax inaccurately reports a 30-day late payment for XX/XX/year>. 

I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 non-monetary relief
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — FHA 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: Ocwen Financial Corporation
State: PA

Complaint narrative:
I needed oil so I had to skip a payment to get oil or freeze to death. So I called PHH which was ocean ( is still ocean but they changed names ) for help. The sent me papers that were dated for XXXX, but with snail mail got the papers when they were almost due back. Papers stated I was eligible for FHA modification and it would bring my account current and lower my payment. They also wanted a check by XXXX for XXXX. I got the papers signed and notarized, as they wanted. I got a check ready and I sent both envelopes the same day. I noted the check was cashed, but I tried to make a payment site would not let me and payment was not brought current. I called them and the claimed ' modification was cancelled cause papers were not there when they wanted " I said to them papers and check were sent out same day. They claimed they got the check XX/XX/XXXX and papers XX/XX/XXXX. When asked why could not still do the modification. I got the run around. 
I called few days later and spoke to a XXXX who also gave me the run around he stated 'modification could not be done cause u signed my marriage name and not my maiden name?! Niw this was a XXXX excuse. They gave me to someone in the United States who was down right rude! I told him if modification was not done try should have notified me and not cased the check as that Check was to go with the modification. He was to put the money back into my account at my bank which as today XX/XX/XXXX it is not there and modification is not dine. I tried to make a payment try will not let me try want over {$1000.00} to be paid. The guy in the United States.laughed and mocked me stating ' yoh should have overnighted the papers if it meant keeping your house '. I asked Why the papers were not sent to me in a timely nanber, no answer

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: IL

Complaint narrative:
To Whom It May Concern, I am submitting this formal dispute regarding my federal student loans due to a significant breach of my personal and financial information without my consent. Under the Family Educational Rights and Privacy Act ( FERPA ), my student records are legally protected from unauthorized access. However, recent reports have confirmed that my personal data has been compromised in violation of these protections. 

Specifically, XXXX XXXX Department of Government Efficiency ( DOGE ) was reportedly granted unauthorized access to the Department of Educations student loan database, exposing sensitive borrower information, including Social Security numbers, marital status, and income details. This unauthorized access constitutes a clear violation of federal privacy laws, including FERPA and the Privacy Act of 1974. Additionally, legal action has already been initiated against the Department of Education for failing to safeguard borrower data, further demonstrating the severity of this breach.

Given the unlawful exposure of my private financial information and the failure of the Department of Education to protect my data, I formally request that my student loan debt be canceled and discharged. Holding me responsible for a loan within a compromised system is unjust, and I should not be penalized for the governments failure to uphold my legal rights to data privacy.

Please process this dispute accordingly and take the necessary steps to remove this debt from my records. If additional documentation is required to support my request, please inform me promptly. 

Thank you for your immediate attention to this matter. I look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: SECURITY FINANCE CORP
State: NY

Complaint narrative:
I asked for closed accounts to be removed from my credit report along with child support that shouldnt be reported at all because its against the la along with the actual accounts that are paid off but remain in my reports affecting my overall financial health and as a XXXX XXXX who has the ability to use a VA Home loan I cant because if things that are on my credit report that shouldnt be there and should be removed if the accounts are closed or paid off. Please help me with this so they can remove what is on there thats should be removed since its considered paid off or closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: NY

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$340.00}

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 2025-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
Starting in XXXX, DOGE forced their way into the DOE and gained access to profiles for students who took on loans. This is a breach of my private, personal information and FERPA. This goes against the agreed upon terms of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
So on XX/XX/XXXX I was sent multiple app notifications even though I didnt open the app, one of the operators asked me if I was refunding within my account which I havent did, I then brought up my rent for XXXX  since we dont live in XXXX  me and my XXXX XXXX come together and put in on a apartment, I check my account balance but it notifies me that my accounts both checking and savings were both discontinued I called chase the actual bank to try and see what happened they say I have been showing signs of suspicion even though I wasnt even logging in. This has also brought Me troubles trying to find a new bank to bank with because my XXXX XXXX  deposit score has been raised please if you can help me get to the bottom of this. I believe I have been hacked since the operator told me I had activity with in New Jersey so Im quite confused and just want to be able to openly access my money. I believe that I need to request a reversal because I believe the closure was wrong since I havent gave my password out or talked to anyone about my chase account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rausch Sturm LLP
State: MT

Complaint narrative:
I received a collection notice from an attorney 's office XXXX XXXX XXXX Attorney 's at law located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. They are claiming I owe XXXX XXXX {$880.00} for a credit card that I did not open. I have been a victim of identity theft on more than one occasion in the past 5 years and in XXXX I have had numerous fraudulent lines of credit taken out using my personal and protected information against my knowledge and with out my permission. I sent the attorney 's office a dispute letter requesting proof that they believe I am responsible for this account, as well as my XXXX  XXXX. of Justice Identity Theft Passport documentation. I have not received any kind of documents as of the date of this compliant.

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