vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-10 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: TX

Complaint narrative:
I am disputing the following items on my Equifax credit report. I request a full reinvestigation. If the information can not be verified with proper documentation, I request the immediate correction or removal of these accounts. 

CHARGED-OFF ACCOUNTS ( XXXX ) XXXX XXXX XXXX XXXX  Acct : XXXX | Opened : XX/XX/year> | Balance : {$19.00} LATE XXXX XXXX XXXX XXXX XXXX XXXXL Acct : XXXX This late payment appears inaccurate or unverified. If it can not be substantiated with full payment history, I request removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I urgently seek an account update as my payments have consistently been made on time. The current circumstances are causing me undue stress and worry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within XXXX  days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within XXXX XXXX. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

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 2025-11-10 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:
I have been more than gracious and patient with Equifax, Experian and TransUnion in my efforts to have my credit profile corrected. They continue to ignore and stall the accounts that I have disputed and have clearly violated my rights under the FCRA 611 ( 15 U.S.C. 1681i ). I have even submitted multiple request for method of validation and even those requests have been ignored which is also a violation under FCRA 611 ( a ) 7. There are multiple accounts that have remained on my credit report that are incorrect, have not been validated nor verified and this is causing me to be subjected to hire interest rates and other burdens. I have submitted my disputes and have provided my drivers license along with proof of address with most recent utility statement, however they continue to drag their feet and even went as far as sending me a letter that they were uncertain that I was attempting to contest the inaccurate filings on my report. I will stop at no length to escalate this with the CFPB, the FCRA as this is a procedural violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than XXXX  days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TX

Complaint narrative:
Unexplained Legal Fee at Loan Payoff Institution : XXXX XXXX XXXXXXXX : Mortgage / Home Loan Payoff Date of Issue : XX/XX/year> Property : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  ( XXXX ), MO XXXX Summary of Complaint When I sold my property in XX/XX/year>, the title company ( XXXX XXXX XXXX ) handled the mortgage payoff to Simmons Bank. 
The XXXX XXXX XXXX XXXX prepared for closing shows that Simmons Bank charged a Legal Fee of {$3900.00} as part of the payoff total. 

Earlier in the loan term, the property suffered a fire loss, which temporarily interrupted my ability to make payments while insurance proceeds were being processed. 
Following that event, I entered into a Forbearance and Settlement Agreement with Simmons Bank that allowed the use of insurance funds to bring the mortgage current. 

That agreement attached here as supporting documentation specifically provides in Section XXXX that each party shall be responsible for its own legal fees and costs arising from or related to the forbearance arrangement. 
Accordingly, Simmons Bank had no contractual or legal basis to charge me a separate {$3900.00} Legal Fee at payoff. 

At no point did Simmons Bank provide an itemized payoff breakdown or documentation authorizing this fee, and it was not included in the original loan documents, forbearance contract, or payoff letter. 
This fee appears to have been added at closing without disclosure or justification. 




Regulatory Concern Under the Real Estate Settlement Procedures Act ( RESPA ) and 12 CFR 1026.36 ( c ) ( 3 ) ( Regulation X ), mortgage servicers must provide accurate, itemized payoff statements and disclose all fees in good faith. 
Charging undisclosed or contractually prohibited legal fees at payoff may violate these federal servicing standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I need to stress that this complaint isn't a mistake. 
My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. 
These errors are really weighing on me and are continuing to affect me negatively in ways you can not begin to imagine. 
These are trying times, and it would be a great help to me a blessing, I must say if these inaccuracies get corrected and/or removed.

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 2025-11-10 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: TX

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. 
This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. 
I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern. 
I need immediate clarification on why these accounts are appearing and who is responsible for reporting them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: CBC Companies, Inc.
State: FL

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 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 explanation
Consumer complaint received 2025-11-10 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: GA

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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 2025-11-10 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: EQUIFAX, INC.
State: UT

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute XXXX ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: PA

Complaint narrative:
l 've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., including 1681i ( a ) ( 1 ) ( A ) and 1681s-2 ( b ). I am demanding a full reinvestigation and deletion of accounts that appear on my Experian file dated XX/XX/XXXX, which contain unverifiable, inaccurate, incomplete, or outdated information.

Legal Grounds for Dispute Under : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Consumer reporting agencies must conduct a reasonable reinvestigation of disputed information within 30 days.

15 U.S.C. 1681e ( b ) : Experian must maintain procedures to assure maximum possible accuracy of reported information.

15 U.S.C. 1681c ( a ) : Negative accounts that are obsolete or over 7 years old must not be reported.

15 U.S.C. 1681s-2 ( b ) : Data furnishers must verify disputed data or have it deleted.

If Experian can not fully verify each disputed item through original documentation from the data furnisher not merely electronic confirmations the information must be deleted immediately. Verification under the law requires competent evidence of accuracy, not automated responses from e-OSCAR or other third-party systems.

Disputed Accounts ( as listed in Experian file dated XX/XX/XXXX ) I dispute the accuracy and completeness of the following accounts : XXXX. XXXX  XXXX multiple accounts ( Acct # XXXX, XXXX, XXXX, XXXX ) Reported as charged-off and past due through XXXX although accounts were closed and sold. 
Violation : FCRA 1681e ( b ) ; inaccurate, unverifiable, outdated balance data. 
XXXX. XXXX XXXX Acct # XXXX ( XXXX & XXXX entries ) Duplicate and inconsistent reporting of same tradeline ; status and closure conflicting. 
Violation : FCRA 1681i ( a ) ( 5 ) ( A ) ; duplicate and incomplete reporting. 
XXXX. XXXX XXXX Acct # XXXX Shows charge-off by XXXX  and simultaneously active past-due account ; unverifiable transfer.

Violation : FCRA 1681e ( b ) ; reporting of unverifiable ownership. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Obsolete charge-offs dated XXXX XXXX ; exceeds permissible reporting period once sold or settled. 
Violation : FCRA 1681c ( a ) ( 4 ), ( a ) ( 5 ). 
XXXX XXXX XXXX Acct # XXXX Reflects continuous charge-off status through XXXX despite closure in XXXX ; unverifiable. 
Violation : FCRA 1681i ( a ) ( 1 ) ( A ) ; incomplete and outdated. 
XXXX XXXX XXXX XXXX XXXX XXXX  Old charge-off dates from XXXX showing as potentially negative beyond 7-year limit.

Violation : FCRA 1681c ( a ) ( 4 ).

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 2025-11-10 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: TX

Complaint narrative:
Make sure to delete all disputed accounts within the time limits imposed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 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: NY

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and Equifax block from my consumer credit report all information resulting from identity theft and fraud within four ( 4 ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized hard inquiries and false collection entries on my FICO credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. ID Theft Report XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
This email is in regard of my Chime dispute XXXX opened on XX/XX/year> also XXXX  complaint XXXX about a dispute and my provisional credit. When talking to customer care they stated I'm qualified for a full credit and should be issued XX/XX/year> if the dispute isn't resolved. You guys lied once again on record stating I was provided provisional credit in " full ''. I want to thank you for stating that on record to the XXXX. I received provisional credit in total of {$1600.00} on XX/XX/year>. Not even half of the amount disputed. I have records of this and will also be providing that information to the Office of the Comptroller of the Currency. You guys need to adjust and add the remainder of my provisional credit immediately. Honor Federal Banking Laws and stop doing this to your customers. I will keep the OCC updated with all correspondence. Thank you. I've emailed them 3 different times at XXXX to try to get them to fix their error. They don't bother to respond back. I guess consumer protection and Federal Banking Laws don't pertain to Chime Bank, especially Regulation E.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification.

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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 2025-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. 

I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. 

The complete payment history and itemized breakdown showing how the alleged balance was calculated. 

Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. 

The name, address, and contact information of the original creditor for proper verification.

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 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am writing to file a formal complaint against Citibank regarding the sudden and unexplained closure of my credit card account. I believe this action may have been discriminatory in nature.

My Citibank credit card account ( last four digitsXXXX was closed without prior notice or any clear explanation. I have maintained the account responsibly, making timely payments and complying with all terms and conditions. When I contacted Citibank for clarification, I was not provided with a satisfactory reason for the closure.

I have reason to believe that this action may have been influenced by my last name, XXXX, which could indicate my ethnic background. If this is the case, such conduct would constitute unlawful discrimination in violation of the Equal Credit Opportunity Act ( ECOA ), which prohibits creditors from discriminating against applicants or account holders based on race, national origin, or other protected characteristics.

The closure of this account has caused me both financial inconvenience and distress, as it may negatively impact my credit standing. I respectfully request that the CFPB investigate this matter to determine whether Citibanks actions were consistent with fair lending and consumer protection laws.

Please let me know if any additional documentation or information is required to support my complaint. I appreciate your attention to this matter and look forward to your response.

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 monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
As of today I noticed my account balance for care credit was over XXXX dollars I know it was nearly paid offand I noticed the interest charge for XXXX on my account on XX/XX/XXXX pushing the balance to be XXXX, I was angry. I called to dispute this charge and request an explanation and was told that it was rom an expired promotion, and thats why it went up. I was not informed of this in 45 days, I have paperless billing and I was not emailed or contacted to be aware when the promotion ended. I asked to speak to a supervisor and was hung up on. I dont believe that synchrony or care credit operates under fair credit act of XXXX, nor did they alert me within 45 days of change!

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 2025-11-10 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:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violations of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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