vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-18 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:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-18 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, to request validation of the following alleged debts that you claim I owe : Account XXXX XXXX XXXX XXXXXXXX At this time, I dispute all of the above accounts in their entirety. I request that you provide the following for each alleged account : 1. The name and address of the original creditor.

2. A complete payment history, including the amount of the debt, how it was calculated, and any interest, fees, or other charges added.

3. Proof that LVNV Funding LLC has the legal right to collect this debt.

4. Copies of any documents bearing my signature that establish my responsibility. 

Until such documentation is provided, please cease all collection activity and refrain from reporting these accounts to the credit reporting agencies. If you have already reported them, you are required to notify the credit bureaus that the accounts are disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
This request is for reversal of two monthly " maintenance fees '' assessed to my checking account on XX/XX/XXXX and XX/XX/XXXX totaling {$50.00}. 
For numerous years, Ive had the standard free checking account with no maintenance fees contingent upon direct deposits monthly which I have done. Somehow the account changed without my knowledge to require a larger minimum balance, and subsequently have been charged monthly maintenance fees that were not consistent with the account I agreed to. 
I have called a few times about this issue. The most recent call was on XX/XX/XXXX, and yet another maintenance fee was assessed on XX/XX/XXXX. 
I have since sent three letters with the most recent one dated XX/XX/XXXX ( attached ). Bank of America has not responded to any of my letters.

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 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I am filing this complaint because JPMorgan Chase Bank is reporting a business credit card account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) on my personal consumer credit reports with XXXX  and XXXX  This account is a commercial/business account that was issued solely for business use and is not a personal consumer credit obligation. Under the Fair Credit Reporting Act ( FCRA ), only consumer credit obligations should be furnished to consumer credit reporting agencies. 

By reporting this business account on my personal credit reports, Chase is providing inaccurate and misleading information that is damaging my credit standing. 

I have already disputed this with both the credit bureaus and Chase directly. However, the account continues to be reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ 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 2025-08-18 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 2025-08-18 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: PA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-18 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 XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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 2025-08-18 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: FL

Complaint narrative:
This is now the XXXX documented attempt to correct this reporting, and at this point, it is clear that the bureaus and data furnishers are engaging in malicious noncompliance. Despite being notified of these errors, theyve refused to follow the law and correct or delete the inaccurate information. 

There is no original contract, no signed application, no itemized billing statementsnothing to substantiate the validity or accuracy of the tradeline. This violates FCRA 609 ( a ) ( 1 ) and consumer disclosure rights, and also breaks the Consumer Financial Protection Act ( CFPA ) for unfair, deceptive, and abusive acts or practices ( UDAAP ).

The Metro 2 format clearly mandates accurate coding and complete reinvestigation protocols, which are being ignored.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My identity has been compromised and a fraudulent CCard application has been submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I am submitting this formal complaint and request for investigation regarding a repossession being reported on my credit file. The information being reported is inaccurate, misleading, and/or unverifiable, and I am requesting assistance in having it removed pursuant to federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( 15 U.S.C. 1601 et seq. ).

I have already disputed this information directly with the credit bureaus, but the repossession continues to be reported inaccurately. I am providing supporting documentation, including [ list documents : payment records, correspondence with creditor, settlement agreements, etc. ], which demonstrate that the reporting is incorrect and harmful to my credit profile.

Under the FCRA, furnishers of information must ensure the accuracy and completeness of what they report to consumer reporting agencies. If the repossession can not be fully verified with complete and accurate records, it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-08-18 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: CA

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute inaccurate information that is being reported on my credit report. 
Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/year>2023 Reported Balance : {$71000.00} The issue pertains to the reporting of a late payment, which I believe to be inaccurate. I request that this late payment be thoroughly investigated and corrected to reflect accurate payment history. Importantly, I am not requesting that the account be deleted, only that the inaccurate late payment information be removed. 

I have already contacted the credit reporting agency and the data furnisher, but the issue remains unresolved. I have attached supporting documentation, including screenshots of my credit report, to demonstrate the inaccurate reporting. Please investigate this matter promptly and update my credit report to ensure the payment history is accurate.

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 2025-08-18 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX, do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-08-18 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: MN

Complaint narrative:
am filing a complaint against Experian and XXXX XXXX for knowingly reporting inaccurate information in violation of the Fair Credit Reporting Act ( FCRA ). 

The account in question ( XXXX XXXX, Account # XXXX ) is Paid in Full, {$0.00} balance, Closed as of XX/XX/XXXX. Despite this, Experian continues to display derogatory payment history ( late/default marks for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). 

I disputed this account with Experian under 15 USC 1681i, but Experian verified the account after contacting XXXX. XXXX  confirmed this inaccurate data, which violates : 15 USC 1681s-2 ( a ) : Duty to provide accurate information 15 USC 1681s-2 ( b ) : Duty to investigate and correct after dispute 15 USC 1681e ( b ) : Requirement to assure maximum possible accuracy This account is clearly not delinquent because it was paid in full and closed. Reporting it as late/default is false, misleading, and harmful.

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 2025-08-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I am filing this complaint against MOHELA, my fXXXX XXXX XXXX  servicer. My loans were transferred from XXXX XXXX XXXX ( XXXX ) to MOHELA. However, despite XXXX  showing MOHELA as my assigned servicer, I am unable to access or create an account with MOHELA using my Social Security Number. 

Because of this system failure, I have no way to make required payments. I have attempted to contact MOHELA by phone multiple times with no resolution, and I have also tried to create an online account without success. 

Despite my good-faith efforts to pay, MOHELA has reported my account as delinquent, which has negatively impacted my credit score. This damage is occurring due to MOHELAs failure to provide me with access to my loan account and payment options.

This situation is preventing me from fulfilling my obligations as a borrower and is causing significant financial harm.

I have no emails, phone calls, texts from mohela, and when I try to contact them, I can not talk to a human or even be guided by a robot, you press a given option, and it answers a FAQ about the option you selected

Company response to consumer: Untimely response
Consumer complaint received 2025-08-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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 2025-08-18 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: TN

Complaint narrative:
I am formally disputing the accuracy and reporting compliance of the following accounts that appear on my Equifax credit report : XXXX. XXXX XXXX XXXX Account XXXX XXXX XXXX. XXXX Mortgage Account Ending XXXX These accounts are being reported with derogatory or negative notations. I assert that they are inaccurate, incomplete, and not in compliance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Association ( CDIA ) Metro 2 reporting guidelines.

Legal Grounds for Dispute 15 U.S.C. 1681i Requires Equifax to conduct a reasonable reinvestigation of disputed information and delete or correct inaccurate, unverifiable, or incomplete data.

15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishers from reporting information they know or should know is inaccurate.

15 U.S.C. 1681e ( b ) Mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy. 
FCRA 605 ( c ) ( 1 ) Restricts reporting of obsolete information.

Metro 2 Compliance Standards Require accurate, consistent, and complete reporting. Misreporting of account statuses ( such as payment history, late codes, balance accuracy, or credit utilization over 100 % ) constitutes non-compliance. 
Specific Issues with the Accounts XXXX XXXX XXXX XXXX XXXX shows credit utilization of XXXX XXXX  which exceeds the account limit and is mathematically inconsistent. This indicates a reporting error or violation of Metro 2 standards requiring accuracy in Credit Limit and Balance fields. 
XXXX XXXX  : Account is flagged as XXXX days late ( XXXX instances ) while also showing as Current. This is contradictory and fails Metro 2 requirements for accurate payment history coding. 
Required XXXX I demand the immediate deletion of these negative accounts from my Equifax credit file if they can not be fully verified and corrected in strict accordance with FCRA and Metro 2 Compliance standards. Failure to do so constitutes willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 15 U.S.C. 1681o, for which Equifax may be held liable in civil action. 
Please provide me with the results of your reinvestigation within the 30 days required by law. If Equifax fails to delete these unverifiable and inaccurately reported accounts, I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and take further legal action as necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-18 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: TX

Complaint narrative:
Im filing this complaint against the credit bureaus for their lack of investigation into my credit disputes. I sent them on several occasions all verifying information as well as clear reasons to support my dispute. They have denied my right to have incorrect information fixed and that along violates the fair credit reporting act. I have filed complaints with other agencies and will continue to escalate this matter if it is not fixed.

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 2025-08-18 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: TX

Complaint narrative:
Im filing this complaint against the credit bureaus for their lack of investigation into my credit disputes. I sent them on several occasions all verifying information as well as clear reasons to support my dispute. They have denied my right to have incorrect information fixed and that along violates the fair credit reporting act. I have filed complaints with other agencies and will continue to escalate this matter if it is not fixed.

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