vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My account was never late! I have had exceptional payment history all payments were placed on XXXX. 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 to be 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.

Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 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!

Update the late payments from my consumer reports

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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Subject : Ongoing Inaccurate Reporting of Mortgage Accounts by Experian and XXXX  in Violation of the FCRA Dear Consumer Financial Protection Bureau, I am filing this formal complaint against Experian and XXXX  for repeated and ongoing violations of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( 5 ), and 15 USC 1681c ( c ). Despite sending multiple written disputes and providing lender-issued payoff letters proving the accounts were not discharged in bankruptcy but paid in full through property sales, both credit bureaus have failed to correct or remove false and damaging information from my credit reports. 

Summary of Disputed Accounts : XXXX. XXXX ( Mortgage XXXX XXXXXXXX XXXX ) Experian falsely lists this account as : Closed, 180 Days Late, Included in or discharged through Bankruptcy XXXX  XXXX, XXXX, or XXXX XXXX  shows a balance of {$170000.00} despite XXXX  and Experian both listing {$0.00} balance. 

XXXX  lists this account as Paid/Derogatory/Open, but does not mention bankruptcy XXXX. XXXX ( Mortgage # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) * * Experian lists a {$41000.00} balance and Late 180 Days XXXX  shows this account as : Closed, Included in bankruptcy, Dispute in progress XXXX  shows {$0.00} balance, Open status, and no dispute XXXX. XXXX XXXX  XXXX ( Mortgage # XXXXXXXX XXXX XXXX  ) * * Only XXXX  reports this account Marks it as Paid, Closed, Current, and balance {$0.00} XXXX  and Experian do not report this account XXXX. XXXX ( Mortgage # XXXXXXXX XXXX XXXX  ) * * Only XXXX  reports this account Status : Transferred, Closed, Late 120 Days Balance : {$0.00}, remarks : Account transferred or sold XXXX  and Experian show no reporting at all Violations and Supporting Evidence : These inconsistent and inaccurate reports are materially harmful and violate : 15 USC 1681e ( b ) : Failure to maintain maximum possible accuracy 15 USC 1681s-2 : Duty of furnishers to investigate disputes 15 USC 1681i ( 5 ) : Reinsertion of previously disputed/removed information 15 USC 1681c ( c ) : Retention and reporting of outdated or inaccurate data I have provided documentation ( available upon request ) that confirms the accounts were satisfied through salenot bankruptcyand should reflect {$0.00} balance, paid/closed status, and no bankruptcy discharge. 

I also reference the CFPB lawsuits against both Experian ( XXXX ) and XXXX  ( XXXX ) for systemic failure to investigate consumer disputes and reinserting/removing inaccurate information, which reflects the same ongoing issues in my case.

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 2025-07-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am writing to formally report a long-standing issue involving predatory lending and ongoing mortgage servicer abuse that has caused my family irreversible harmfinancially, emotionally, and personally. 

I have included a detailed personal statement outlining how I was coerced into a high-risk, unaffordable mortgage by Beneficial ( a subsidiary of HSBC ) XXXX who sent representatives to my home and pressured me into signing documents I did not understand. This began in 2006 and led to severe financial hardship, a bankruptcy filing ( Case # : XXXX ), and ultimately, the loss of control over my mortgage. 

Since that time, my loan has been passed between companies like XXXX XXXX XXXX and XXXX XXXX, with each transfer adding confusion, fees, and unjust increases to the loan balance. XXXX XXXX, in particular, added over {$160000.00} to the mortgage and was later the subject of a legal settlement by the Massachusetts Attorney General for deceptive servicing practices. 

I am seeking help to investigate and remedy this situation. At the time, I was young, uninformed, and intimidated by the representatives who came to my home. I have done my best to hold on through bankruptcy and repeated servicer XXXX, but I am emotionally and financially exhausted. I am currently sleeping on a couch just to keep my animals safe and stay in my home. 

I am requesting that this case be formally reviewed as an instance of predatory lending and mortgage servicing abuse. I would be grateful for any assistance, accountability, or restitution that can be provided. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I am writing to Experian, Equifax and TransUnion formally express my concern and dissatisfaction regarding your continued reporting of multiple inaccurate, incomplete, or unverifiable entries on my consumer credit file. These entries were previously disputed, and despite the legal obligations imposed upon your agency by federal law, they remain unresolved and uncorrected. This constitutes a direct failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and may also represent a violation of CFPB compliance standards regarding fair and accurate consumer reporting.

As per 15 U.S.C. 1681i ( a ), a credit reporting agency is required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice from the consumer. Furthermore, any item of information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. It is evident that your agency has failed to meet these requirements by continuing to report the following previously disputed entries without substantiating documentation or legal justification

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 2025-07-25 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: TX

Complaint narrative:
In XX/XX/XXXX, I settled a debt with XXXX XXXX XXXX related to my vehicle loan. Despite this settlement, the debt continues to be inaccurately reported as " charged-off, '' negatively affecting my credit score. On XX/XX/XXXX, I contacted XXXX XXXX XXXX and Weltman, Weinberg & Reis Co., LPA, requesting validation of the debt and correction of the reporting. I provided documentation proving the settlement, but neither company corrected the information or provided the requested validation. 

Additionally, Weltman , Weinberg & Reis Co., LPA accessed my XXXX credit profile on XX/XX/XXXX, three times without providing documentation of a permissible purpose, violating federal law. On XX/XX/XXXX, I sent a formal demand letter requesting validation of the debt, proof of standing to collect, audit trails, verification of the statute of limitations, and proof of their surety bond required under Texas Finance Code 392.101. Weltman failed to comply with these requests and claimed the account had been recalled by XXXX XXXX XXXX in XX/XX/XXXX, but this does not absolve them of their legal obligations. 

I also discovered that Weltman, Weinberg & Reis Co., LPA does not have the required {$10000.00} surety bond filed with the Texas Secretary of State, which is mandatory under Texas law for any debt collector operating in the state. This renders their debt collection activities unlawful. 

These actions violate multiple federal and state laws, including the FDCPA, FCRA, and Texas Finance Code. I am requesting an investigation into these violations and resolution of the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( 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 2025-07-25 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: MI

Complaint narrative:
Experian is reporting fraudulently on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  inquiry isnt mines Theses accounts are not mines. I have not opened these accounts.

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 2025-07-25 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: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
On XX/XX/year>, Navy Federal Credit union allowed my locked card to be charged {$1000.00}. I disputed this charge as it was in error, the debit card was locked and should not have been able to be charged. I recieved a temporary credit for this amount. However, on XX/XX/year>, Navy Federal contacted me to let me know they were reversing the credit on XX/XX/year>. This reversal will cause my account to become overdrawn by {$1500.00}. Navy Federal has been taking money out of my mothers account to cover for the overdraft, without permission from any party involved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase demanded payment on an alleged loan debt already settled with security instrument as collateral. Chase received full payment for the obligation via investor funds, insurance claims, or government backing, yet continued to misrepresent the balance as due and owing. Chase failure of consideration, non-disclosure and false pretenses, a loan as agreed and required based on the assigned agreement to Chase. The contract never existed at all ; the contract is null and void ab initio. XXXX XXXX is released from further obligations. If the initial breach is material, the other party to the contract is excused from performing their contractual obligations. Lien Satisfaction Letter to show the loan was paid in full. 

Fraud in the inducement Non-disclosure of material terms Misrepresentation of contract validity Unlawful debt collection practices Violations of Florida Uniform Commercial Code and consumer protection laws The contract agreement is void and XXXX XXXX is released from further obligations. If the initial breach is material, the other party to the contract is excused from performing their contractual obligations. Lien Satisfaction Letter to show the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The debt was canceled, and the account shows resolved, but late payments remain that resulted from a {$0.00} balance I was unaware of. I had requested the account be closed before any delinquency. Please remove the late payments from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelowXXXX 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 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Al XXXX XXXX XXXX XX/XX/year> Subject : Request for Removal of Charge-Off Entry Account # XXXX XXXX  XXXX XXXX XXXX  XXXX Dear CFPB, I am writing to request the removal of the charge-off entry listed on my credit report for the account referenced above. I acknowledge my past financial difficulties that led to this situation, but I am now committed to resolving any outstanding issues and improving my credit. 

In light of my efforts to rebuild my credit and maintain a positive payment history going forward, I kindly ask that you consider removing this charge-off as a goodwill gesture. I believe that this would reflect positively on my credit profile and help me achieve my financial goals. 

Enclosed are supporting documents demonstrating my current stability and good payment behavior, such as [ list any relevant documents if applicable ]. 

Please confirm in writing if you agree to remove the charge-off. I appreciate your understanding and consideration. 

Thank you for your time and assistance. 

Sincerely, 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 2025-07-25 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: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX  XXXX 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 CXXXXe XXXX. 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 in to be removed. They are not in compliance with the following law. 15 USC XXXXb 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 XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section XXXX ( b ). 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports

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 2025-07-25 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: DISCOVER BANK
State: TX

Complaint narrative:
Was contacted by scammers that claimed to be someone I know personally. Asked me to purchase {$600.00} worth of gift cards with credit card. I contact the bank immediately to let them know about the transactions. They told me I would have to wait until transactions get posted to dispute charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CO

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX 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 21 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 explanation