vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies
State: CA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX XXXX XXXX ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX XXXX XXXX  ) credit report. My latest credit report shows ( number of hard inquiries you are disputing ) credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
on XX/XX/XXXX I checked my loan account because I had an original balance of {$36000.00} and my account is stating that the outstanding Balance is {$34000.00} as of XX/XX/XXXX after making XXXX payments at {$810.00} a month so we are going on XXXX XXXX and I only paid {$2200.00} THIS IS A PREDATORY LOAN AND I AM BEING ROBBED BLIND FROM THIS COMPANY At the time of signing this contract I was under duress from the pressure of the sales and finance department and I believe I was taken full advantage of I am past frustrated with this company I have paid {$13000.00} to this company so far The interest rate is 1XXXX XXXX and I was told that majority of my payment is going to interest and by the end of this contract I will have paid {$58000.00} for my vehicle that is only now worth XXXX I will not accept this predatory behavior I will fight until the end to do something about this I want to have a full explanation of where my money is going and how its being applied to my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: GA

Complaint narrative:
The problem is that closing accounts is considered negative on my account. I paid off my car, in 2023 and my score dropped dramatically. Other accounts close when the card issuer goes out of business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the inaccurate personal information listed on my credit report. Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-05-10 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: AL

Complaint narrative:
This is a follow-up to my earlier dispute. Since the account is still reporting errors, Im formally requesting the description of procedures used during your investigation. You are required to provide this within 15 days of receiving this request. If not, I expect all disputed negative items to be removed 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 non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Ive disputed this XXXX XXXX credit card charge off with all XXXX credit bureaus ; who continue to report drastically different and in accurate information on my credit report in direct violation of the FCRA. They have returned multiple times with different results. Which proves that the information being reported is inaccurate and unverifiable. But they keep returning with sham results. This account needs to be removed from my profile as it is causing me undue financial hardship. I intend to formally sue all XXXX bureaus.

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-05-10 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: FL

Complaint narrative:
Subject : Ongoing Reporting of Inaccurate and Unverifiable Repossessed Account Violations of Metro 2 and FCRA Dear Consumer Financial Protection Bureau, I am submitting a formal complaint concerning the ongoing inaccurate and unverifiable reporting of a charged-off and repossessed auto lease account by a data furnisher to major credit reporting agencies.

Violations with Supporting Evidence : 1. Inaccurate Status Reporting : The account in question was charged off as of XX/XX/XXXX, yet continues to be reported with an Open status and remarks such as Profit and loss write-off. According to Metro 2 standards, charged-off accounts must be reported as Closed with a final status. This false Open reporting misleads creditors and violates FCRA 1681e ( b ).

2. Post-Charge-Off Delinquencies : Despite the charge-off, the furnisher continues to report new late payments and derogatory marks throughout XXXX. Under Metro 2 and FCRA, delinquencies can not be reported after charge-off. This is misleading and causes undue harm to my credit profile.

3. False Past Due Balance : The account still reflects a balance of {$21000.00} as past due, suggesting that the account is currently delinquent. This is inaccurate and misrepresents the actual status of the debt. 

4

. Failure to Verify Information : I have submitted disputes and requested documentation, including audit trail data in Metro 2 format, under FCRA 609 and 1681i. No verification has been provided. Under FCRA 1681i ( a ) ( 5 ) ( A ), unverifiable information must be deleted from my credit report.

Requested Resolution : - Immediate deletion of the inaccurate account from all credit reports due to continued violations and lack of verification ; - Formal investigation into the data furnishers Metro 2 compliance practices ; - Written confirmation of the resolution and corrective actions taken.

I have attached relevant screenshots and documentation showing continued reporting irregularities beyond the charge-off date. Thank you for your attention and support in protecting consumer credit rights. 

Sincerely, 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 2025-05-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
OUR loan is with Rushmore loan servicing. We fell behind in payments during covid XX/XX/XXXX but after a few months we requested a payment plan to be able to start to catch up the delinquent amount but we were told we could not make any payments but the full delinquent amount which we did not have all at XXXX time In XXXX we were offered a trial payment for a permanent loan modification. The trial payment was twice what our orig loan payment was. not {$6300.00} but {$12000.00} per month. we did pay all three of the trial payments but then the permanent loan payment was going to be the {$12000.00} which we could not afford. we had thought our XXXX  payment would apply. It did not We re applied for a loan modification but we have recently been denied. 
Thank You XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 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: NV

Complaint narrative:
Dispute of Inaccurate Credit Reporting under FCRA Dear Equifax, I am writing to formally dispute inaccurate information on my credit report, report # XXXX, as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). On my credit report, XXXX XXXX XXXX reporting a collection account with account # XXXX as an Open Account. This classification is inaccurate and misleading. According to the FCRA : - 15 U.S.C. 1681e ( b ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information they report. - 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) states that a furnisher of information 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. - 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) further requires that, after receiving a dispute notice, the furnisher must correct or delete any information found to be inaccurate or incomplete. A collection account is by nature a closed-ended debt obligation that has been charged off or sold, and there is no longer an active credit relationship. Labeling this as an Open Account misrepresents the nature of the debt and could materially affect my creditworthiness by overstating my active obligations and negatively impacting my credit profile. I respectfully request that you : 1. Investigate this account pursuant to 15 U.S.C. 1681i ( a ). 2. Verify the accuracy of the account designation. 3. Remove the account if it is found to be inaccurately labeled as Open. Please provide a written response to this dispute within 30 days, as required by the FCRA. If the information is not corrected, I am prepared to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider further legal remedies under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. BANCORP
State: OH

Complaint narrative:
am writing to formally lodge a complaint against us bank for unsatisfactory service and breach of agreement. 
I experienced unfair treatment and unethical practices by us bank which I believe violates consumer rights. 
Despite repeated attempts to resolve the issue with us bank my concerns remain unaddressed. 
This complaint is in regard to deceptive advertising and failure to deliver the promised product/service. 
I am seeking redress and intervention from the FCCPC regarding the unresolved dispute with us bank

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history 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 to be 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. 


EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


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! 


Update the late payments from my consumer reports

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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply 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 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
This is a follow-up to my earlier dispute. Since the account is still reporting errors, Im formally requesting the description of procedures used during your investigation. You are required to provide this within 15 days of receiving this request. If not, I expect all disputed negative items to be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I disputed a charged-off account from SYNCB/PPC for {$280.00} , which has now been marked as verified on my credit report. This account is not only inaccurate, but also falls within the category of medical or small debts that should no longer remain if unverified. 

I requested, under FCRA 611 ( a ) ( 7 ), the method of verification, which the bureau has failed to provide. If the account can not be fully validated and documented, it must be deleted. 

Please investigate and enforce corrective action in compliance with federal 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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of the debt you allege is owed and a notification of multiple violations of federal consumer protection statutes associated with your collection practices. I do not acknowledge any indebtedness to the following collection agencies 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  Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I demand full validation of the alleged debt, including but not limited to the name of the original creditor, the corresponding account number, a comprehensive breakdown of the amount claimed, and a copy of the purchase agreement transferring the debt to your agency. I have simultaneously submitted a complaint to the Consumer Financial Protection Bureau.

Effective immediately, I revoke any and all consent to contact me by phone, text, or email. All communication must be conducted exclusively in writing. Your failure to comply with the dispute provisions under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), as well as your deceptive practices and failure to provide legally mandated disclosures, constitutes a violation of my rights. Moreover, the furnishing of data to credit reporting agencies by [ creditor_name ] without proper disclosures is unlawful per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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