vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-04 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: MA

Complaint narrative:
I filed XXXX XXXX bankruptcy on XX/XX/XXXX, and was discharged on XX/XX/XXXX. XXXX XXXX XXXX was included in my bankruptcy. Despite this, they are reporting late payments and derogatory after the discharge date on all 3 bureaus credit report, including 90 days late as of XX/XX/XXXX, and showing as active account that need attention and balance of {$17000.00} which is inaccurate and a violation of the FCRA and Bankruptcy discharge laws. 
I have contacted XXXX XXXX XXXX via fax to correct this error, but it is still showing on my report. I am requesting the CFPB assist in having the late payments after XXXX XXXX XXXX removed and the account correctly marked as Discharged in XXXX XXXX with a {$0.00} balance. 

XXXX XXXX XXXXXXXX is also reporting balance on my credit after my bankruptcy XX/XX/XXXX The report made on XXXX XXXX. 
The account is still reporting an active balance of {$1200.00} and they reported charges off and showing it as due, even though it was included in the bankruptcy and discharged. 
This inaccurate reporting is damaging my ability to obtain credit and must be resolved. 

Base on Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 and U.S. Bankruptcy Code 11 U.S.C. 524 ( a ). Clearly Violating this section is illegal. 
Due to this big violation I am asking help to clean every negative items being reported to all XXXX credit bureau Equifax, Transunion and experian. 

Looking for it for a great result.

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 2025-07-04 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: CA

Complaint narrative:
I was looking at my credit report and i saw 1 Inquiry that is fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
A FCRA infringement alludes to an infringement of the Fair Credit Detailing Act ( FCRA ), which is a government regulation that directs the assortment, spread, and utilization of customer credit data. You're supposed to guarantee 100 percent accurate data on my credit reports. I've endured harm because of this FCRA infringement Im entitled to compensation for this violation which I would prefer in the form of DELETIONS otherwise I'll have to forward it to my legal counsel. These accounts listed in my letter are not 100 % correct and I demand them to be REMOVED immediately.

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 2025-07-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, Experian, and Transunion data breach.

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 2025-07-04 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: OH

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights 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
Consumer complaint received 2025-07-04 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-07-04 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 the silence engelhardt. v gravens ( mo ) 281 SW715.719. i presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character. ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-04 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: SANTANDER HOLDINGS USA, INC.
State: MI

Complaint narrative:
Subject : Cease and Desist Permanent Removal of Fraudulent and Inaccurate Accounts To Whom It May Concern, This letter serves as my official demand under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) authority to immediately and permanently delete the following fraudulent, inaccurate, and misreported accounts from my credit profile : Accounts to be Permanently Removed : SANTANDER BANK NA Acct # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, was not the originator nor authorized party for many of these accounts. Furthermore, most are closed accounts that continue to negatively impact my profile, with some fraudulently opened without my consent. This is a clear violation of my rights and continued reporting causes irreparable harm to my financial health. 

I am exercising my legal right to request : 1. Immediate PERMANENT removal of the accounts listed above.

2. Updated records reflecting only accurate and verifiable information.

3. A full investigation confirming the deletion, as required by FCRA law. 

You are also being notified to cease and desist from further reporting or verifying these accounts with any third parties. This includes re-reporting after deletion. 

Failure to comply will result in the immediate escalation of this issue through the CFPB, FTC, and legal avenues for damages and willful noncompliance under federal law. 

A formal complaint is being filed with the Consumer Financial Protection Bureau alongside this letter to enforce legal action if necessary. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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:
Subject : Cease and Desist Permanent Removal of Fraudulent and Inaccurate Accounts To Whom It May Concern, This letter serves as my official demand under the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Bureau ( CFPB ) authority to immediately and permanently delete the following fraudulent, inaccurate, and misreported accounts from my credit profile : Accounts to be Permanently Removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was not the originator nor authorized party for many of these accounts. Furthermore, most are closed accounts that continue to negatively impact my profile, with some fraudulently opened without my consent. This is a clear violation of my rights and continued reporting causes irreparable harm to my financial health. 

I am exercising my legal right to request : 1. Immediate PERMANENT removal of the accounts listed above.

2. Updated records reflecting only accurate and verifiable information. 
XXXX. A full investigation confirming the deletion, as required by FCRA law. 

You are also being notified to cease and desist from further reporting or verifying these accounts with any third parties. This includes re-reporting after deletion. 

Failure to comply will result in the immediate escalation of this issue through the CFPB, FTC, and legal avenues for damages and willful noncompliance under federal law. 

A formal complaint is being filed with the Consumer Financial Protection Bureau alongside this letter to enforce legal action if necessary. 

Sincerely, 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 2025-07-04 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-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 2025-07-04 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Mortgage — FHA 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: Freedom Mortgage Company
State: PA

Complaint narrative:
Summary of the Issue : I am filing this complaint regarding a significant and unexpected increase in my mortgage payment by Freedom Mortgage. 

As of XX/XX/XXXX, my monthly mortgage payment increased by nearly XXXX XXXXfrom {$3100.00} to XXXX XXXXdue to an alleged escrow shortage of {$7300.00}. This is particularly concerning as my escrow payment had already been increased the prior year for a similar reason. 

My XXXX XXXX statement from Freedom Mortgage shows minimal escrow activity, suggesting poor estimation or lack of disbursements for key obligations like property taxes and insurance. There was no clear communication or proactive adjustment from the servicer to prevent this underfunding. 

Additionally, my final mortgage statement from my previous servicer, XXXX XXXX  ( dated XX/XX/XXXX ), clearly indicates that the escrow account already had a negative balance of {$960.00} at the time the loan was transferred to Freedom. I believe this underfunding was not properly reconciled, contributing to the current shortage. 

Steps I've Taken : I contacted Freedom Mortgage requesting : 1. A full escrow transaction history from XX/XX/XXXX to present. 
2. An explanation of how the XXXX escrow projections were determined. 
3. Clarification regarding potential miscalculations or mismanagement.

4. Alternatives to reduce the financial burden ( such as extending shortage repayment ).

I have not received an adequate or timely resolution.

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 2025-07-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
Ask Navy Federal what happened. Charges that are not mine whatsoever.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
Back at the end of XXXX, 2025, i noticed a charge of {$1000.00} for a XXXX XXXX XXXX XXXX which i did not authorize. I called Chase Bank to let them know i didn't authorize this transaction, they told me my account was compromised and they are going to cancel that Chase Credit card and they will send me out a new card and few days the charge will be taken off my account. the charges were gone in a few days. 
At the end of XXXX I noticed the {$1000.00} charges back on my account, so I called Chase and asked why the charges are back, they said they investigated the charge and said I was the one that made the purchase. I told them to look at my account, they will only see purchases made on XXXX because its an XXXX Chase Credit Card which gives rewards back for purchasing items from XXXX, i never use this card for any other purpose. Chase told me that Chase sent me an email and text message regarding this purchase and said i approved this purchase. The Purchase was made early in the morning @ XXXX XXXX time and of course i was sleeping, plus i never received an email or a text message, as a matter of fact, my phone is turned off every night. 
XX/XX/XXXX, i got a letter from Chase, again accusing my of this purchase. I don't know what kind of investigation Chase did but its obvious they didn't look at my account history. 
I don't know who made this Money transfer but it wasn't me and i am insulted by Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ) 623, a data furnisher must accurately and completely report the account history. Without : Proper charge-off details A clear chain of ownership Verified authorization to collect... this tradeline is inaccurate, incomplete, and legally disputable.

Remember you have the right to dispute incomplete or unverifiable information, and if the furnisher fails to verify within 30 days, it must be deleted per 15 U.S.C. 1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MO

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-04 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 writing to formally dispute fraudulent accounts and unauthorized hard inquiries listed on my Transunion credit report. I have strong reason to believe these entries are directly related to the XXXX XXXX data breach that compromised millions of consumers personal information, including mine.

As a victim of identity theft, I am invoking my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c2 ], which mandates credit reporting agencies to block and remove fraudulent information from a consumer 's credit file within four ( 4 ) business days of receiving appropriate documentation.

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 2025-07-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I have send multiple dispute letters with no response back and would like for it to be deleted from my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-04 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 got a copy of my credit report and notice a lot of things i don't have knowledge about and unauthorized inquiries which is results of identity theft

Company response to consumer: Closed with non-monetary relief