vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
On Friday, XX/XX/XXXX I was applying for an apartment and was told I had debt from a previous apartment I lived in, XXXX XXXX in XXXX, Texas. That debt totals at {$1800.00}. When I looked back in my records, I saw no contact or notice whatsoever of this debt nor did I even know it had hit my credit until I was told about it that day. I was never given a chance to pay it nor was I ever notified of the debt in the first place. I called XXXX XXXX to ask about it and they said that it was so long ago that they couldnt give me any information on it other than the company that received it, Southwest Credit Systems LP. I called them as well and all they could tell me was the date they received it, XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: GA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : [ Experian / TransUnion / Equifax Insert correct bureau address ] Subject : Formal Dispute Request for Deletion and Correction under FCRA & Metro 2 Guidelines Dear [ Experian / TransUnion / Equifax ], I am writing to formally dispute several items on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, and request immediate investigation and removal/correction of the following accounts and inquiries. 
XXXX. XXXX. Late Payment Disputes XXXX XXXX Violations The following accounts contain reported late payments that are inconsistent, incomplete, and violate XXXX XXXX data reporting standards, which require accurate, complete, and verifiable reporting : - Freedom Mortgage ( Account ending in XXXX ) Reported late XXXX. I request these late payments be removed immediately due to inconsistencies in reporting timelines and lack of verifiable records. 
- XXXX XXXX XXXX ( Account ending in XXXX ) Multiple lates between XXXX. I dispute the accuracy and request verification or immediate deletion. 
- XXXX XXXX XXXX ( Account ending in XXXX ) Please remove the entire account due to continued inaccuracies and failure to comply with XXXX XXXX standards, especially in the historical payment grid and closure reporting. 
These accounts have not provided full verification or documentation under FCRA XXXX ( a ) ( XXXX ) ( A ). If you can not provide documented proof from the original furnisher validating each late mark, I request full deletion from my report under XXXX. 
XXXX. XXXX. Hard Inquiry Removal Request Unverified & Unauthorized The following inquiries were made without proper authorization, or no permissible purpose was provided under FCRA XXXX : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) These inquiries were not authorized by me and I was not provided any services or approvals related to these pulls. Please remove them immediately. 
3. 3. Legal Notice Failure to comply with this request may result in legal action. As you are aware, under 15 U.S. Code 1681n and 1681o, failure to investigate and correct inaccurate or unverifiable information can result in statutory damages, court costs, and attorney fees.

I request a full investigation into these matters and a written response within 30 days as required by FCRA 611. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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:
Rent XXXX XXXX {$3600.00} open XX/XX/year> last reported XX/XX/XXXX. Improper information I asked to see a debt validation claim US 1692G I also asked to see a detail for payment history US 609. I also asked to see original signature also asked for an assurance claim also asked to see a chain of title also asked for a 1099 tax claim for this account being sold to another company. This account was already disputed and came back without any information and stayed on credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/year> I received a {$3000.00} Amex XXXX XXXX Gift Card from my work. I was not given any information on restrictions or limitations on using this card. 

On XX/XX/year> I tried to enter the card into my XXXX and XXXX accounts but the gift card got declined on both platforms. 

On XX/XX/year> I tried to use it at a restaurant, but they did not accept it. 

I tried using it on XX/XX/year> for an online retailer, and the card was declined. 

I called customer service for the Amex gift card and the representative told me that it could not be used for online retailers that required a name and billing address for the card, which is obviously all online merchants, and therefore making this card unusable for any online purchase. In this digital world we live in, this makes the usage of this card highly limiting as many retailers only have an online store. Furthermore, this issue prevents the gift card from being used on payment platforms like XXXX and XXXX, further limiting its use. 

This gift card does not allow me to connect my name and billing address to make it usable online like other gift cards ( XXXX ). Why? It's probably to make it even harder to use. 

Finally, I can not use this gift card for any restaurants or brick-and-mortar stores that do not accept Amex. 

I asked the customer service representative for the limitations and restrictions of use for this card in writing, and he declined.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: FL

Complaint narrative:
I was recently reviewing my Credit Report and noticed that there were fraudulent accounts that I did not authorize.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate, fraudulent, or unverifiable information on my credit report. I request that this account be removed from my Credit Report 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 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JSZ Financial Co., Inc.
State: TX

Complaint narrative:
I recently received a letter from my previous apartments expecting a certain amount of money for move out fees and was unfairly charged a ridiculous amount of prices due to moving out. I reached out to my landlord personally and discussed the issue with her and she told me I would have to pay {$400.00} by XX/XX/year> and I could pay the remainder in XXXX. The letter initially indicated my total fees was {$1900.00} which was totally wrong because my apartment was still in good condition. She then took some fees off due to me explaining to her about specific necessities that were never used in the apartment and told me all I would have to pay was {$810.00}. At this point my lawyer is involved because of excessive payments because of false information about payments I shouldnt have to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Account Details : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/2023 Grounds for Dispute : I request that you investigate and remove or correct this entry for the following reasons : XXXX. The school associated with the loan is under active XXXX investigation for XXXX discrimination, which may have impacted my access to fair and equal educational opportunities. 
XXXX. The loan may be fraudulent, unenforceable, or improperly originated due to the schools discriminatory conduct and potential violations of XXXX VI of the XXXX Rights XXXX and other federal regulations. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ), I am requesting a full reinvestigation of this item, including : Verification of the original signed Master Promissory Note ( MPN ) A complete chain of title and assignment of the debt Proof of authorization and informed consent regarding loan disbursement Any correspondence related to loan servicing and communication with the institution Requested Action : Pending the outcome of your investigation, I request the immediate removal or correction of this account from my credit file. I am enclosing documentation related to the XXXX complaint and request that you include this as part of your reinvestigation. 

Please complete the reinvestigation within the time allowed under the FCRA ( 15 U.S.C. 1681i ) and provide me with a written response. Attached is all info to support this claim. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 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: LA

Complaint narrative:
Account Details : Creditor Name : XXXX XXXX Account Number XXXX Date Opened : XX/XX/2023 Grounds for Dispute : I request that you investigate and remove or correct this entry for the following reasons : XXXX. The school associated with the loan is under active XXXX investigation for XXXX discrimination, which may have impacted my access to fair and equal educational opportunities. 
XXXX. The loan may be fraudulent, unenforceable, or improperly originated due to the schools discriminatory conduct and potential violations of XXXX VI of the XXXX Rights XXXX and other federal regulations. 
XXXX. Under the Fair Credit Reporting Act ( FCRA ) and the Family Educational Rights and Privacy Act ( FERPA ), I am requesting a full reinvestigation of this item, including : Verification of the original signed Master Promissory Note ( MPN ) A complete chain of title and assignment of the debt Proof of authorization and informed consent regarding loan disbursement Any correspondence related to loan servicing and communication with the institution Requested Action : Pending the outcome of your investigation, I request the immediate removal or correction of this account from my credit file. I am enclosing documentation related to the XXXX complaint and request that you include this as part of your reinvestigation. 

Please complete the reinvestigation within the time allowed under the FCRA ( 15 U.S.C. 1681i ) and provide me with a written response. Attached is all info to support this claim. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
The Deed of Trust Lacks a Subrogation Clause Foreclosure After Insurance Payment Is Improper Unlike many modern deeds of trust, this Deed of Trust does not contain a subrogation clause that would allow an insurer or other third party to enforce the loan post-payment. Without such a clause : The original lender may not assign foreclosure rights after being paid ; Any further enforcement of the lien after insurance payment is unlawful ; The lien is no longer valid as a matter of contract and equity.

This critical omission must be construed against the drafter under Alaska law.

Bank of Americas Own Counsel Has Admitted the Note Ownership Is Unclear and Unrecorded In a letter dated XX/XX/year>, attorney XXXX XXXX ( then-counsel for BOA ) admitted in writing : As far as I know, nowhere in the record of title does it show who owns your loan ( that is, who currently owns the Note and the interest in it ) What harm do you believe it does to have this information incorrect in the record of title?

This admission undermines BOAs current foreclosure claim : It concedes the note owner is unknown or unrecorded ; It admits disconnection between the Deed of Trust and the Note ; It shows BOA can not establish the chain of title or standing required for judicial foreclosure.

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 2025-07-19 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: NC

Complaint narrative:
I am disputing information on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C.

1681, and expect my dispute to be handled properly.

Recent enforcement actions show a pattern of non-compliance among the credit bureaus : XXXX  ( XXXX ) Fined {$15.00} XXXX for improper dispute handling. 
XXXX  ( XXXX ) Found to have conducted fraudulent investigations by the CFPB. 
TransUnion ( XXXX ) Ordered to pay {$60.00} XXXX in a lawsuit over consumer mislabeling. 
To ensure my dispute is processed correctly, I request a written response sent to the following address : XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX Check image in attachment

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 2025-07-19 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: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), inaccurate reporting on a credit report is unlawful, and consumers have the right to dispute and have such information corrected or removed. I am submitting this complaint regarding inaccurate credit reporting by Equifax and TransUnion related to an auto loan account with XXXX XXXX XXXX XXXX ( Account # ending XXXX ). 
Despite submitting XXXX formal disputes and providing detailed documentation, including conflicting balances ( {$14000.00} past due vs. {$22000.00} total balance ) and contradictory payment history, the credit bureaus have failed to correct or remove this inaccurate information. 
This ongoing inaccurate reporting is damaging my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ), 611, and 623 ( a ).

I request that the CFPB investigate this matter and ensure that Equifax and TransUnion remove the inaccurate information promptly.I am disputing the inaccurate reporting of an auto loan account that is being reported inconsistently and unlawfully across the credit bureaus. Despite being on multiple payment plans over the last XXXX years, the account shows no payment history or payment activity. Equifax reports a last payment made in XX/XX/XXXX, yet the account is being reported differently to other credit bureaus. Additionally, the account was charged off in XX/XX/XXXX, but is now being reported as both closed, charged off, and repossessedcreating conflicting and inaccurate data. This inconsistent reporting is misleading, negatively impacts my credit profile, and violates the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), which requires furnishers to report accurate and complete information. I am requesting a full investigation and the immediate removal of all inaccurate information related to this account.

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 2025-07-19 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: NC

Complaint narrative:
Under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), inaccurate reporting on a credit report is unlawful, and consumers have the right to dispute and have such information corrected or removed. I am submitting this complaint regarding inaccurate credit reporting by Equifax and TransUnion related to an auto loan account with XXXX XXXX XXXX XXXX ( Account # ending XXXX ). 
Despite submitting XXXX formal disputes and providing detailed documentation, including conflicting balances ( {$14000.00} past due vs. {$22000.00} total balance ) and contradictory payment history, the credit bureaus have failed to correct or remove this inaccurate information. 
This ongoing inaccurate reporting is damaging my creditworthiness and violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 607 ( b ), 611, and 623 ( a ).

I request that the CFPB investigate this matter and ensure that Equifax and TransUnion remove the inaccurate information promptly.I am disputing the inaccurate reporting of an auto loan account that is being reported inconsistently and unlawfully across the credit bureaus. Despite being on multiple payment plans over the last XXXX years, the account shows no payment history or payment activity. Equifax reports a last payment made in XX/XX/XXXX, yet the account is being reported differently to other credit bureaus. Additionally, the account was charged off in XX/XX/XXXX, but is now being reported as both closed, charged off, and repossessedcreating conflicting and inaccurate data. This inconsistent reporting is misleading, negatively impacts my credit profile, and violates the Fair Credit Reporting Act ( 15 U.S. Code 1681s-2 ), which requires furnishers to report accurate and complete information. I am requesting a full investigation and the immediate removal of all inaccurate information related to this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in 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 2025-07-19 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: PA

Complaint narrative:
TO : Notice of Dispute and Demand for Remedy Under 15 U.S. CXXXXe XXXX To Whom It May Concern, I am writing to formally dispute the accuracy of certain information in my consumer report and to notify you of noncompliance with the requirements of the Fair Credit Reporting Act ( FCRA ). 

The disputed information has caused harm, and I am asserting my rights under federal law. 
Please be advised that under XXXX XXXX ( a ), any person who negligently fails to comply with any requirement imposed under this subchapter is liable to the consumer for : o Actual damage sustained because of the failure, and o The costs of the action, together with reasonable attorney 's fees, are as determined by the court. 

I request that you conduct a reasonable investigation of my dispute and correct or delete the inaccurate information in compliance with your obligations under the FCRA. 
This is not a complaint but a formal assertion of rights and an opportunity for remedy before further action is considered. Please respond in writing with the outcome of your investigation and a copy of any documentation used in your determination. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation