vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
XXXX days ago I received my payout from my XXXX into my account at a local credit union. I went and took {$2500.00} out of that account and went to my Chase bank and put {$1000.00} of that money into my Chase account there. However, the deposit did not get deposited to my account. Instead, its just popped out a piece of paper saying to call a phone number. I went into the Bank and explained the situation to the teller and she wrote down the ATM number for me. So I would know which ATM I had put the money in, so I called the number and they said that it would be 10 days before I would receive credit for my money. Well thats {$1000.00} that the Bank has that I should have had credit for immediately and they are hanging onto my money and not paying me interest off of it and I called again today. Trying to get a status update and they told me the same thing that it would be 10 days and I do not understand why it takes so long when I put cash in the ATM. The second photo I am attaching is my account at XXXX XXXX XXXX XXXX where I with a XXXX {$2500.00}, and of that {$2500.00}. I put {$1000.00} of it into XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
To Whom It May Concern, I am writing to dispute inaccurate and inconsistent information appearing on my credit reports from all three major credit reporting agencies ( Experian, TransUnion, and Equifax ). This dispute is made pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The following account ( XXXX ) are being disputed : Creditor Name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX  Dispute Reason : This account is not only inaccurate or unverifiable, but is also being reported differently across the XXXX bureaus, which further undermines the validity and accuracy. 

According to FCRA 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports.

Under FCRA 611 [ 15 U.S.C. 1681i ], when a consumer disputes information, the credit bureau must conduct a reasonable reinvestigation to determine whether the disputed information can be verified. If it can not be verified or is found to be inaccurate, it must be promptly deleted from the consumers file, typically within 30 days.

Given the inaccurate and inconsistent reporting across the bureausand the lack of verifiable documentation provided to support the validity of these accountsI am formally requesting that these accounts be immediately removed from my credit reports as required by law.

I have enclosed documentation to support my dispute. Please complete the reinvestigation and provide written confirmation that the disputed accounts have been deleted. 

Thank you for your attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: MO

Complaint narrative:
Subject : Dispute of Inaccurate Credit Reporting Under the FCRA and the current lawsuit against Mohela for inaccurate reporting of lenders ' loan payments. 

Mohela has reported XXXX or more late payments to the credit bureaus that are factually incorrect. These late payments are showing on my credit reports, XXXX XXXX XXXX XXXX, causing unjust damage to my credit profile. These errors are misleading and a violation of the accuracy standards required under the FCRA, 15 U.S.C. 1681s-2.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CO

Complaint narrative:
On XX/XX/XXXX I had an account statement showing my loan balances including a 0 % interest fee and my interest accrued. As ofXXXX my loan balance did not match the statement and my account accrued interest despite a XXXX XXXX interest. My account still remains at XXXX XXXX interest however interest has accrued. I can not make informed decisions about loan repayment because my loan interest accrual is not accurate. I want my loan interest balance to accurately reflect the balances as of XX/XX/XXXX since it should not have gained interest since. Attached are screenshots of messages I sent - and PDFs of my statements from XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DELETE THESE HARD INQUIRIES : XXXX ( XXXX, XXXX ), XXXX XXXX  XXXX ), and XXXX ( XXXX ). I never authorized these inquiries, and they were made without my consent, which violates 15 U.S.C. 1681b ( no permissible purpose ) and 15 U.S.C. 1681e ( a ) ( failure to follow reasonable procedures ). I recently found out that TransUnion is already facing legal action for disregarding consumer complaints about unauthorized hard inquiries. Experian, dont make the same mistake. Continued reporting of these unauthorized inquiries may result in civil liability under 15 U.S.C. Section 1681n and 1681o for willful and negligent noncompliance.

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 2025-06-19 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: MS

Complaint narrative:
This is identity theft this is not my Loan. I have never heard of these people. I have never talk to these people. I do not know these people and I would like them to start reporting on my report. This is a long taken out with my information without my knowledge This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MS

Complaint narrative:
This is identity theft this is not my Loan. I have never heard of these people. I have never talk to these people. I do not know these people and I would like them to start reporting on my report. This is a long taken out with my information without my knowledge This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MS

Complaint narrative:
This is identity theft this is not my Loan. I have never heard of these people. I have never talk to these people. I do not know these people and I would like them to start reporting on my report. This is a long taken out with my information without my knowledge This is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
XXXX XXXX XXXX  is reporting an incorrect close date incorrect last payment date incorrect payment status on a charge off account. They are also continuously reporting late payments after the charged off date. This account was closed in XX/XX/XXXXXXXX  and charged off XX/XX/XXXXXXXX  but they are reporting it as if it happened in XXXX in an effort to cause more damage to my credit rating. This is a violation of the fair credit reporting act and the Metro 2 reporting standards.

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 2025-06-19 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:
XXXX XXXX XXXX  is reporting an incorrect close date incorrect last payment date incorrect payment status on a charge off account. They are also continuously reporting late payments after the charged off date. This account was closed in XX/XX/XXXXXXXX  and charged off XX/XX/XXXXXXXX  but they are reporting it as if it happened in XXXX in an effort to cause more damage to my credit rating. This is a violation of the fair credit reporting act and the Metro 2 reporting standards.

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 2025-06-19 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CO

Complaint narrative:
I am submitting this complaint to dispute the reporting of multiple inaccurate late payment notations on my TransUnion credit report. The accounts in question include XXXX with an account XXXX in XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, XXXX with account number ending in XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX, and XXXX XXXX XXXX with account ending in XXXX XXXX XXXX XXXX XXXX dated XX/XX/XXXX. Each of these accounts is being misrepresented in ways that violate my rights under the Fair Credit Reporting Act ( FCRA ), particularly sections 1681e ( b ) and 1681i.

First, the XXXX account reflects a late payment on a balance that is listed as past due : {$0.00}. It is misleading and incorrect to flag an account as delinquent when there is no actual amount past due. This is materially inaccurate and creates a false impression of ongoing delinquency where none exists. 

Second, the XXXX account is listed with a late payment notation despite being fully paid off with a XXXX balance. Reporting a late payment under these circumstances is unjustifiablethere is no outstanding obligation, and no legitimate reason to continue penalizing my credit profile for a matter that has been resolved. 

Finally, the XXXX XXXX XXXX account was legally paid in full for less than the full balance through a settlement agreement. According to the FCRA, when an account has been settled and closed, any reporting of a late payment beyond the point of settlement is both unfair and factually inaccurate. TransUnion has failed to consider this, and as a result, the entry still inaccurately penalizes me for past delinquencies on a resolved debt. 

The continued presence of these misleading and outdated derogatory marks on my credit file has caused serious harm to my creditworthiness, impacted my access to fair credit opportunities, and is a direct consequence of TransUnion 's failure to ensure maximum possible accuracy in its credit reporting process.

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 2025-06-19 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: CA

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-06-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: TX

Complaint narrative:
I am requesting urgent assistance because my mortgage servicer has threatened foreclosure despite my request for a loan modification after recently gaining employment. 

There has been a long-standing pattern of inconsistent, misleading, and potentially deceptive behavior. For example : I was previously sent loan modification documents that were either blank or incomplete ( they contained only my name and payment amounts ), yet I was instructed to fill them out and return them. These were then rejected. 
When corrected documents were finally sent, the payment terms and interest rates were significantly higher than expected, with no explanation for the changes. 
Ive experienced sudden changes in my interest rate and payment amounts within days, often receiving conflicting information depending on which representative I speak to. 
I was told I could make partial payments online, but the option was never available. Later, I was told partial payments were not accepted. These answers continue to vary by representative. 
Most concerning, I have received documents containing another customers mortgage account information a serious privacy violation that raises questions about where my information may have been sent. 
At XXXX point, a representative spent nearly XXXX minutes berating me for not paying, even after I calmly explained I was experiencing severe hardship including a chronic illness and the loss of air conditioning due to storm damage, which impacted my ability to work from home. 

Despite notifying the company that I have regained employment and am requesting a new loan modification, I was instead issued a demand for full payment with a foreclosure warning. This response shows no good-faith effort to assess my current financial situation. 

I am requesting : A proper review of my loan modification request based on my updated income An immediate hold on any foreclosure activity while this matter is being addressed Investigation into the mishandling of sensitive customer data and inappropriate representative conduct

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 2025-06-19 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 insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within XXXX days. Enclosed are relevant documents as proof.

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 2025-06-19 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: WI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-19 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: NC

Complaint narrative:
TO : Equifax XXXX. XXXX  XXXX, XXXX, GA XXXX Experian XXXX. XXXX XXXX, XXXX, TX XXXX TransUnion XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute of Negative Accounts Failure to Conduct a Lawful Investigation ( FCRA, FDCPA, IRS Regulations ) To Whom It May Concern : This letter serves as a * * formal dispute * * of multiple negative items on my credit report. I am demanding a full reinvestigation in accordance with the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) * *, and * * Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g * *.

I previously disputed these accounts, yet your agency returned them as verified without providing * * any documentation, evidence, or legal validation * *. You failed to provide a single piece of admissible proof such as a : - Signed original contract - Proof of ownership or assignment - 1099-C form in the case of charge-offs - Any statement showing accurate balance and activity - Creditors signature or internal notes of investigation The following accounts remain disputed : - 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 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

Company response to consumer: Closed with explanation