vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: MD

Complaint narrative:
To Whom It May Concern at Experian Upon reviewing my credit report, I have identified the following item ( XXXX ) that contain inaccuracies : XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/year> Please remove it from my credit report. 

XXXX. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation of 15 U.S. Code 1681b - Permissible purposes of consumer. Delete immediately. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my credit report. 

XXXX. Violation 15 USC code 1681 ( a ) Congressional Findings and statement of purpose - consumer 's right of privacy XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX. Pursuant to 15 U.S.C. 1692g ( FDCPA ) and 15 U.S.C. 1681 ( FCRA ) I am requesting immediate verification of the legal ownership servicing rights and validity of the alleged student loan debt under your authority. 
XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 

XXXX violation 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. Delete immediately XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please remove this inaccurate information from my credit report. 


Thank you for your assistance and attention to this matter.

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 2025-04-25 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:
Experian, Equifax and Transunion continue to erroneously report payments to my Shellpoint Mortgage account ending in XXXX as late or delinquent during the following month : Equifax - XX/XX/XXXX & XX/XX/XXXX Experian - XXXX XXXX Transunion - XXXX XXXX I was approved for a deferment on XX/XX/XXXX by Shellpoint that brought all of my past-due and outstanding payments current. No payment was owed in XX/XX/XXXX. 

Additionally, I entered into a repayment plan with XXXX on XX/XX/XXXX that allowed all past due amounts to be repaid over a XXXX period. All repayment plan payments were current from XX/XX/XXXX until XX/XX/XXXX, the repayment plan was satisfied in full and the account has had no delinquencies since. Attached are copies of my deferment agreement and repayment agreement with XXXX. 

I have contacted Experian, Equifax and Transunion to correct these errors, with no success and each incorrect delinquency continues to negatively affect my credit report. I would like all three credit bureaus to remove the delinquencies and update my credit report accurately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist

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 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI

Complaint narrative:
It seems like my information was a part of a data breach which led to me finding out that there was a bank account opened and overdraft for {$230.00}. Which resulted in me being placed into check systems due to fraud.

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 2025-04-26 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with capital one and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-04-25 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: FL

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$270.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX - XXXX * * * * * * * * * * XXXX - XX/XX/XXXX - {$1700.00} XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * XXXX - XX/XX/XXXX - {$200.00} XXXX - XXXX * * * * * * * * * * * XXXX - XX/XX/XXXX - {$650.00} XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$3400.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX - XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$490.00} XXXX XXXX XXXX XXXX XXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$670.00} XXXX XXXX XXXX XXXX XXXXXXXX * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$230.00} XXXX - XXXX * * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$2000.00} XXXX - XXXX * * * * * * * * * * * * * * * * * * XXXX - XX/XX/XXXX - {$84.00} XXXX  - XXXX * * * * XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX * * * * * * * * * XXXX - XX/XX/XXXX - {$1600.00} INQUIRIES : XXXX XXXXXXXX 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

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items 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 Despite my lawful request, you have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: MN

Complaint narrative:
Please remove these hard inquiries from my credit profile. I do not know their origin, as I did not authorize them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXXXXXX CA XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX CA, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TX, XXXX XX/XX/year> XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXXXXXX XXXX XXXX XXXX MI, XXXX XX/XX/year> XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX XX/XX/year>XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN, XXXX XX/XX/year>

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 2025-04-25 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: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Subject : Dispute of Inaccurate Late Payment & Improper Business Account Reporting under FCRA XXXX and XXXX To Whom It May Concern, I am formally disputing a derogatory tradeline inaccurately reporting on my Experian credit report. The account in question is not only showing an incorrect XXXX late payment, but it is also a business credit card that should not be reporting on my personal consumer file. This is in direct violation of the Fair Credit Reporting Act ( FCRA ) and must be addressed immediately. 

Disputed Account Information : Creditor Name : JPMCB CARD Account # : XXXX * * * * Reported Status : XXXX  Days Late Balance : {$17000.00} Credit Type : XXXX XXXX Credit Card XXXX XXXX Credit Card Reported Only To : Experian Date of Alleged Late : XX/XX/year> Dispute Grounds : XXXX. Inaccurate Late Payment Reporting The account is reporting as XXXX  days late, however payment history and internal documentation confirm the payment was no more than XXXX  days late. This reporting is factually incorrect. 
Under FCRA XXXX ( a ) ( XXXX ) ( A ), furnishers must report information accurately and completely. If you can not verify this late payment with clear documentation, the status must be corrected or removed immediately. 

XXXX. Improper Reporting of a Business Account on Personal Credit This is a business credit card, not a personal liability. Reporting business accounts on a personal consumer credit filewhen not explicitly guaranteed or contracted as a personal liabilitymay constitute a violation of FCRA XXXX regarding permissible purpose. 
I am demanding removal of this account from my personal credit file as it does not belong under consumer reporting guidelines. 

XXXX. Discrepancy Across Bureaus ( Experian Only ) This derogatory status appears only on Experian, not on TransUnion or Equifax. This inconsistency raises concern about the reliability and verification methods used by Experian and the data furnisher. 

Under FCRA XXXX ( a ), I am requesting a full reinvestigation of this item and deletion if it can not be independently and lawfully verified. 

Resolution Requested : Remove the incorrect XXXX late payment OR update to reflect accurate XXXX status Immediately remove this account from my personal credit report as it is a business credit card Provide the method of verification used to confirm both the payment status and permissible reporting of a business account on a personal file, per FCRA XXXX ( a ) ( XXXX ) Please provide a written response and updated copy of my Experian report reflecting the results of this reinvestigation within XXXX  days, as required by law. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-25 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
XXXX XXXX, ca XXXX Phone : XXXX Email : XXXX XXXX : XXXX SSN : XXXX Dear Experian, Transunion & Equifax , I am writing to formally dispute a late payment with XXXX XXXX XXXX account number XXXX Open Date XX/XX/XXXX Balance of {$310.00}! This is more of s good will dispute to get the late payment changed to good standings. During this time I was dealing with some medical issues which were not allowing me to work. I got some lates on my mortgage around this time as well that are being disputed as well. I am an older hard working law abiding citizen who defied the odds of being the first home owner in my family. I am currently dealing with a slight touch of XXXX which could have contributed to this payment being late. I kindly ask that this late payment in XX/XX/XXXX be changed to never late.I am referencing The spirit of the fair credit reporting act, FCRA specifically section XXXX ( XXXX XXXX code {$1600.00}, ) which calls for the fair and respectful treatment of consumers credit information. If I may ad XXXX U.S.C XXXX ( XXXX ) FCRA XXXX ( XXXX U.S.C. XXXX ( XXXX ) FCRA XXXX ( XXXX XXXX. XXXX XXXX. This late payment may have been listed in error and was beyond my control, and XXXX request that it it fixed to never late. FCRA XXXX XXXX XXXX ( d ) ( XXXX ) ( a ) ( I ) Definitions : rules of construction Exclusions says ; I am suppose to be given a opportunity to opt out of information being reported to my credit report, and I was never given that opportunity nor was I made aware that I could by the reporting agencies which is illegal by the standards of what congress wrote into the consumer law as you can see if you read it that way being these FCRA codes are written very vaguely. XXXX XXXX says that these financial institutions are suppose to protect my personal information continuously to keep confidentiality meaning they dont even got the right to report things onto my consumer report if I dont give them permission to and as in this case I didnt. At the end of the day it is against the law to do so hey but Im not filing a lawsuit or anything as I have full confidence that the credit agencies will correct these things in a expedited timely manner as I am trying to use my credit to pull home equity from my home to expand my business landscaping from the heart so I can do more supervising then back breaking work. I am pushing XXXX so Im no longer a spring chicken. I have done the right thing and out of good will I am asking for some relief with this matter. 

Company Nmae : XXXX XXXX XXXX Account Number : XXXX Open date : XX/XX/XXXX Amount owed : {$310.00} Late date to be corrected and changed from late to never late : XX/XX/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 2025-04-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: FL

Complaint narrative:
I called my Robinhood on XX/XX/year> as my account had been locked and they were requesting documents of bank card numbers to show I owned them, which indeed I did not own a few of the card numbers that came up. They said someone would be reaching back out to me, and asked when I was available. I called again about XXXX am XX/XX/year> and they said the same thing. My money is locked and my account is frozen until someone reaches back out. I think this has taken way too long, as I get my money direct deposited to them and Im not able to access it since XX/XX/year> when I started trying to figure out what I needed to do to resolve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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