vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX NC XXXX INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Inaccurate and Inconsistent Reporting on XXXX  XXXX Account Complaint : I am submitting this complaint to address the inaccurate and inconsistent reporting of my XXXX  XXXX / XXXX / XXXX XXXX  account across all three major credit bureaus. 

Account Details : Creditor : XXXX XXXX / XXXX  / XXXX  Account Type : Auto Installment Account Opened : XX/XX/XXXX Balance : {$5100.00} Monthly Payment : {$410.00} Reported as Open and Negative Key Issues : Inconsistent Date of Last Activity : Equifax : XX/XX/XXXX Experian : XX/XX/XXXX TransUnion : XX/XX/XXXX Inaccurate Reporting of Delinquencies : The account is currently active and being paid, yet all three bureaus continue to report it as negative. 

The delinquency history varies, and in some cases, XXXX or XXXX late payments are still showing even though recent payments were made. 

Payment status is not being updated consistently or fairly. 

Violation of Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) : Failure to ensure maximum possible accuracy 15 U.S.C. 1681i : Failure to properly reinvestigate and correct disputed information 15 U.S.C. 1681s-2 ( b ) : Furnishers must conduct reasonable investigations upon notice of dispute and correct any inaccurate reporting

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
Everything is inaccurate, I tried sending dispute letters asking for verification and they did not remove it. I have dates and the real balance owed attached below.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

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 that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any 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 ) states : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am filing this complaint regarding the closure of my Navy Federal Credit Union credit card account ( card ending in XXXX ) despite had no missed payments and I was actively using the card. The closure occurred without any warning, and I was never given the opportunity to address or resolve whatever concern led to this decision. 

I discovered the closure only when I attempted to use my card and realized it had expired. I called Navy Federal to request a replacement, and thats when I was informed that my account had been closed. I was told a letter had been sent prior to the cancellation but I never received it. 

When I asked for an explanation, I was told the decision came from a routine account review based on a soft credit pull. I was told that if an account no longer meets their internal requirements, it can be closed. I asked for specific details about what triggered this in my credit file, but I was given no concrete information, only that my account was part of a general credit sweep. This vague explanation is not acceptable. 

Credit scores fluctuate naturally and are influenced by many factors outside of a cardholders control. A score change alone should not justify closing a long-standing account. Doing so without clear communication or an opportunity to correct the issue is unfair and harmful. 

This closure negatively impacted my credit profile by reducing my available credit and increasing my utilization, all through no fault of my own. I am asking for this matter to be reviewed and for fair consideration based on my actual account behaviornot a broad algorithmic decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
My payment was made from the wrong account I was willing to pay the balance but instead both of my cards were closed and i have never paid late in two years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-07-09 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: CA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

INQUIRIES : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
Debt is not mine I was a victim of Identity fraud.

They said I owe {$620.00} I don't have no recollection of this transaction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-07-09 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 submitting this complaint because there is an unresolved and materially inaccurate charge-off being reported on all three of my credit reports by XXXX XXXX under account number XXXX XXXX XXXX XXXX XXXX, with a date of XX/XX/year>. While this account is listed as a charge-off, the balance and past-due amount both reflect {$0.00}. This is highly misleading, and the continued presence of the derogatory status is not only outdated but legally inappropriate under the Fair Credit Reporting Act ( FCRA ).

Under the FCRA, specifically Section 1681e ( b ), credit reporting agencies are required to maintain reasonable procedures to assure maximum possible accuracy of the information they report. That clause is not vague it requires more than simply pulling data from a creditor. It demands that the context, completeness, and accuracy of the record be upheld. When an account has been paid or resolved to a {$0.00} balance and {$0.00} past due, continuing to display it with the derogatory " charge-off '' label, without clarification or removal of the derogatory impact, fails to meet this standard. This charge-off, while technically accurate in the past, no longer reflects the true status or risk of the account, and therefore its presence in the current derogatory category misrepresents my creditworthiness and violates the maximum possible accuracy principle.

Additionally, under Section 1681i ( a ), when a consumer disputes an item and provides evidence of inaccuracy or misleading presentation, the bureau must conduct a reasonable reinvestigation. In this case, I have submitted multiple disputes requesting that this charge-off either be updated to reflect its fully paid and resolved nature or removed if the derogatory label continues to apply and yet the account remains without appropriate contextual correction.

This reporting practice, in its current form, is punitive beyond its justified timeframe. It severely distorts my credit profile, deters lenders from approving applications, and has even contributed to higher interest rates. I have worked hard to resolve my obligations, and yet I am being indefinitely penalized for a balance that no longer exists and a debt that is no longer in default. That is not only unfair it directly contravenes the FCRA 's purpose to ensure that reports are a fair and accurate representation of a consumer 's current credit standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
CREDIT CARD OPEN IN ERROR, XXXX XXXX XXXX XXXX OPENED IN MY NAME USING MY PERSOANL INFORMATION AND PREVIOUS ADDRESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: WA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXXXXXX XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00}

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 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: FL

Complaint narrative:
In XXXX of 2021 I sold my house in XXXX Fl, before closing I was made aware of everything that was coming out of the profit we made from the house .. so basically anything that I owed the state, any utilities bill. Probation cost, they were all taken out .. I sold my house for XXXX more than I bought it for yet my ex and I only split XXXX so there wasnt a shortage of people who got paid.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
I am submitting this complaint out of both necessity and exhaustion. For months, Ive attempted to resolve a cluster of inaccurate, outdated, and in some cases completely unverifiable collection and charge-off accounts that continue to be reported by Equifax on my consumer report. These accounts, including those from 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 and XXXX XXXX XXXX, are either fully paid, carry a XXXX balance , or have long exceeded any reasonable timeline for derogatory reportingyet they remain, dragging down my credit standing.

What I find especially troubling is that despite these accounts being resolved or reflecting XXXX balances, Equifax still maintains them with derogatory notations and charge-off designations. The account with XXXX XXXX, for example, shows a XXXX balance, which logically should indicate no ongoing delinquency or outstanding debt. The same goes for the accounts with XXXX XXXX XXXX XXXX XXXX, and othersthese should not be lingering on my report in a status that unfairly penalizes me. Not only is this unjust, it also directly violates the Fair Credit Reporting Act.

Under the FCRA, specifically Section 607 ( b ), Equifax is required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. This is not just a guidelineit is a legal obligation. The continued presence of resolved or stale accounts, without current or verifiable data to support their derogatory status, suggests a breakdown in that legal duty. Moreover, when a consumer like myself disputes these inaccuracies, Section 611 ( a ) mandates that the credit bureau conduct a meaningful reinvestigationone that goes beyond merely echoing whatever the furnisher claims. In this case, I have strong reason to believe that no proper reinvestigation took place, and that Equifax relied on outdated or automated systems to verify what should have been corrected or removed.

The emotional and financial impact of these inaccuracies is not theoreticalit is painfully real. Ive been denied a mortgage pre-approval despite otherwise qualifying, Ive been hit with higher interest rates on an auto loan, and Ive experienced embarrassment during credit-related screenings. Every time I try to make financial progress, these outdated marks pull me back. It feels like being punished repeatedly for obligations Ive already addressed or never should have been reported the way they are now. The stress of repeatedly seeing the same errors, the same uncorrected data, is exhausting. Ive done my part. Ive paid what I owed. Ive disputed the errors. And yet Equifax continues to allow misinformation to define my financial identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
Im filing this complaint because I continued to be charged private mortgage insurance ( PMI ) premiums for more than two years after I became eligible for early PMI cancellation. According to my loan servicer, I reached the 80 % loan-to-value ( LTV ) threshold in XX/XX/XXXX, which made me eligible to request early removal of PMI. However, I was not notified at that time that I could cancel PMI, and I only recently discovered that I had to request it manually.

By the time I contacted the servicer in XX/XX/XXXX, my LTV had dropped even further ( to around 73 % ), and I submitted a formal removal request. While the servicer acknowledged that I was eligible for early removal in XXXX, they refused to issue any refund for the PMI payments made after I reached the 80 % threshold.

Im requesting a review of these charges and a refund of PMI premiums collected after XX/XX/XXXX, since I was eligible but unaware that I had to initiate the removal. I believe the servicer profited from my lack of awareness while I met all the qualifications for early cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: NE

Complaint narrative:
I have previously disputed with Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

Company response to consumer: Closed with non-monetary relief