vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
I was contacted via phone related to an old account from 15 years ago that they stated was being pursued for litigation. XXXX XXXX left me an urgent message to call back about pending litigation. 

After telling her I was in debt consolidation she said to have them call to resolve the issue. Or I could do it myself she would take my payment info. She wouldnt give me any details about the account told her I didnt have a. HSBC accoun ever. And tried to reiterate I didnt have the account they were stating and she said it had been opened XX/XX/XXXX and closed XXXX and collection efforts were happening over the last 15 years. Told her I never received a collection letter from XXXX XXXX so I needed more information and documentation. 

She then said she couldnt help me because that would be exposing their case and theyd already proven it was not fraud and the debt mine. 

I called my debt settlement attorney and was told they were fake and to report them. XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: OH

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. 

XXXX XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX List of Unauthorized Inquiries : XXXX XXXX - XXXX 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 2025-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Ocwen Financial Corporation
State: CO

Complaint narrative:
My wife and I have called PHH mortgage multiple times over the span of three weeks to request a VA assumable package to start the process for a qualified assumption. We keep getting the run around that the sellers need to be released from liability ( true ) and the assumers need to be added to the loan ( which is also true ), but that both things cant happen at the same time, so PHH is suggesting a refinance. This is inaccurate information for a VA assumption. There are two qualified veterans - myself as the seller and another as the purchaser. The purchaser would like to assume the existing loan and substitute entitlement. This is extremely frustrating and is a huge waste of time and may affect the sale of my home. Please address this issue as soon as possible and provide any possible help. Thank you.

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 2025-05-13 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: MI

Complaint narrative:
I am filing this complaint because EXPERIAN failed to conduct a proper and reasonable reinvestigation of inaccurate information appearing on my credit report, in violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). Despite submitting a detailed dispute with supporting evidence on XX/XX/year>, the disputed account was either improperly verified, not corrected, or no meaningful investigation was performed. This failure has caused ongoing harm to my creditworthiness and may also violate other federal protections under the FDCPA, TILA, and DoddFrank Act. I am requesting the CFPB to intervene and ensure compliance, a lawful reinvestigation, and permanent correction or removal of the inaccurate item.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
They need to make accure reports I bought a vehicle and payments not showing up in business credit

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-05-13 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: DC

Complaint narrative:
I see that it was inquired submitted on my credit report that I never did and I contacted the credit company they refused to provide where it came from and to remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Most debt is inaccurate and is older than most I do have a high identity issue which people get from the dark web and use

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NJ

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 non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: CA

Complaint narrative:
Before anything else, Im asking that you fully certify that every single piece of data tied to this account actually belongs to me not just the name, but the address, the activity, the payment history, everything. I want confirmation that this information is accurate and that it's being rightfully reported under my name.

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 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-13 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: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I was billed {$1200.00} by XXXX XXXX on XXXX XXXX in XXXX XXXX for glasses. When the merchandise came in, it was broken, and the wrong prescription. The XXXX employee chased me out of the store when I refused to accept the defective merchandise. I reported this to XXXX corporate and was told they were investigating. No one from XXXX ever followed up with me. 

My bank, Hutington, later reversed the original credit citing a receipt that showed I paid {$1200.00} on XX/XX/XXXX. I believe my rights were violated under consumer law. I am also a senior citizen. I asked for proof that I ever accepted the merchandise I was promised when I was billed on XX/XX/XXXX. I asked them to review the video of me being chased out of the XXXX XXXX XXXX by the employee who tried to bully and harass me into accepting the broken and defective merchandise. 

My account was overdrawn as a result. I would like my legal rights explained, as I believe I followed consumer law when I originally reached out to XXXX Corporate and made my original dispute with Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
When I first opened my account I attempted to open a checking and savings account. I was approved for the checking account but denied for the savings account. But for some reason it gave me a second checking account in replacement of the savings account I applied for ( both are second chance accounts ) so over the course of the year I used the second account as a savings act. I was told if I had good banking history I could upgrade to a regular checking account. I called Chase bank last week and was told I could now apply for this account and have access to over draft etc with this total checking account. So I applied and was approved. Fast forward to XX/XX/year> all 3 of my accounts are closed for no reason. Ive never had any disputes, no fraud etc. I did take loans and was expected to pay that back with my XX/XX/year> direct deposit. Its no reason my account should be closed. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
I recently reviewed my credit report and noticed that account number XXXX with creditor XXXX is reporting errors, particularly in the last update. Im requesting a careful review of this account, as the incorrect information is negatively affecting me. I am disputing this and asking that the inaccurate information be corrected or removed from the credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
I recently reviewed my credit report and noticed that account number XXXX with creditor XXXX is reporting errors, particularly in the last update. Im requesting a careful review of this account, as the incorrect information is negatively affecting me. I am disputing this and asking that the inaccurate information be corrected or removed from the credit report.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: DE

Complaint narrative:
I do not have an account with JEFFERSON CAPITAL SYST. However, they insist that I opened a XXXX account on XX/XX/ 2023. This information is false. I would like it removed from my credit report. Despite my requests, I have not received documentation, including my signature and proof of contract, from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CT

Complaint narrative:
Due to financial hardship caused by the COVID-19 pandemic, I struggled to make payments on my XXXX XXXX XXXXXXXX account ( Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  ) during XXXX, XXXX, and XX/XX/scrub> 2022. I contacted XXXX XXXX XXXX to request assistance, as allowed under the CARES Act, but they still reported late payments on a closed account.

This reporting does not reflect my effort to seek help and violates the spirit of Section 4021 of the CARES Act, which requires lenders to maintain current reporting if accommodations are granted. I respectfully request removal of these late payments from my credit report.

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 2025-05-13 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: CL Holdings LLC
State: MD

Complaint narrative:
I have been reaching out to this company Jefferson Capital Systems LLC. since XX/XX/year> to have this account removed from my credit report. I also sent them a dispute letter on XX/XX/year> but the address they provided on my credit report was inaccurate and so it came back. Whenever I can get someone on the phone they continue to brush me but never have a clear option on how to get this inaccurate information removed from my report. They are most certainly in noncompliance with the Privacy of Consumer Financial Information Rule of the Gramm Leach Bliley Act for sharing my nonpublic information to nonaffiliated third parties and not providing notice that complies with section 6803 and giving me the opportunity to opt out pursuant to 15 USC 6802. My request is that Jefferson Capital Systems LLC be removed from all 3 credit bureaus

Company response to consumer: Closed with explanation