vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am filing this complaint against Experian for re-reporting a collection account that had already been removed from my credit file ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was previously deleted, yet it has now reappeared on my report without any notice or proper verification, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). In XX/XX/year>, I filed a police report confirming I am a victim of identity theft ( included in the attachment ), and this same account was part of that report. Under 15 U.S.C. 1681c-2, Experian is required to permanently block any information related to identity theft once proper documentation is submitted. I followed all procedures and provided everything required, yet this fraudulent account was reinserted.

Experian did not notify me of the reinsertion, which violates 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). They are legally obligated to provide written notice within five business days after re-reporting a deleted item. I received no such notice. This demonstrates a failure in Experians reinvestigation process and a disregard for consumer rights and compliance.

Further, under 15 U.S.C. 1681b ( 2 ), no information should be reported without the consumers written authorization. I never gave Experian consent to report or reinsert this fraudulent account, making their actions unlawful. 

This account does not belong to me. It resulted from identity theft and is causing ongoing financial and emotional harm. Experian 's actions are negligent at best and willful at worst. 

I am requesting that the CFPB take immediate action to : Ensure this fraudulent account is permanently deleted from my Experian file Hold Experian accountable for failing to follow reinsertion notice requirements under 1681i ( a ) ( 5 ) ( B ) Investigate Experian 's failure to comply with permissible purpose requirements under 1681b ( 2 ) Enforce penalties for continued reporting of identity theft-related data already documented and disputed I have attached my police report, FTC identity theft documentation, and proof of identity. I respectfully ask the CFPB to intervene and help protect my rights under 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 2025-07-10 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: TX

Complaint narrative:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I discovered the presence of these late payments that I believe are inaccurate or improperly reported. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and the creditor has failed to provide me with satisfactory validation of these disputed items. The lack of response and proper documentation raises serious concerns about the accuracy of the information being reported to my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concerns regarding a recent experience with the Chase Credit Card department. I received a call from your team regarding an issue with my account balance. At the time, my balance was just over {$3000.00}, while my credit limit was {$11000.00}. I was surprised by this outreach, as my balance was well below 30 % of my available credit, and I have consistently made timely paymentsincluding a recent payment of {$1000.00}. 
I have never been late on a payment and have maintained responsible usage of my credit line. I also hold accounts with other credit card issuers and have never encountered similar treatment. The explanation provided for the credit limit reduction was unclear and did not seem to align with my account history or credit usage.What concerns me most is that my credit limit was reduced despite my strong payment record and prudent account management. As a result, my credit utilization now appears to be at 100 %, which could negatively impact my credit score. During my conversations with your department, references were made to my other credit cards, which I found confusing, as I have always been a loyal Chase customer and expected my account to be evaluated on its own merits. 
Additionally, a representative informed me that a new credit inquiry would be required to review my limit, but a supervisor later advised that this was incorrect. I am currently working to have that inquiry removed from my credit report. 
I am seeking a clear explanation for the decision to reduce my credit limit and would appreciate the opportunity to have this matter reviewed and rectified. I have always valued my relationship with Chase and hope to continue as a satisfied customer. If possible, I would like to have someone from the executive office contact me directly to discuss my concerns and explore possible solutions. I currently do have an open case and hope this is handled promptly. 
Thank you for your attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: FL

Complaint narrative:
Upon reviewing my consumer reports I discovered some instances of late payment on an account for which I have always maintenaned timely payments. consumer reporting agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed the payment on the following account XXXX XXXX XXXX XXXX XXXX XXXX XXXX I request a thorough investigation into these discrepancy and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. if unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on time as I have consistently upheld my payment obligations without delay. I'm trying to get fix my score better position, to get next steps for the mortgages and loans.

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 2025-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant financial hardship, emotional distress, and damage to my creditworthiness. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft. These fraudulent accounts and transactions were opened and conducted without my knowledge or permission, and their continued presence on my credit report violates my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Paying off the loan
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/year>, specifically on XX/XX/year>, I tendered full payment to discharge the mortgage obligation in accordance with the indenture and pursuant to UCC 3-603 ( b ), which states that tender of payment discharges the obligation to the extent of the amount of the tender. The company refused to process or apply the tender, stating only we do not accept it per policy without providing any lawful basis, claim validation, or accurate payoff accounting. I sent additional notices in XXXX and XXXX reaffirming my tender for full payoff. The company continues to claim a balance, report the account as delinquent, and obstruct release of the lien despite lawful tender constituting discharge under UCC 3-603 ( b ) and the indenture governing the instrument.Furthermore, they have failed to notify the trustee of my tender and discharge, which is required under the indenture governing the instrument.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NC

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 2025-07-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-07-10 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: MS

Complaint narrative:
According to 15 USC 1681 I have a right to dispute inaccurate and unverified or unvertifiable information on my credit report. I have disputed several times with credit bureaus with my concerns which always lead to results stating updated and verified without proper investigation. The company fail to send me any of the information requested or vertication of the debt, the original contract bearing my wet signature, along with the explanation of the amount and how it was calculated. 15 U.S. Code 1681 refers to the Fair Credit Reporting Act ( FCRA ), a federal law in the United States designed to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. Overview of 15 U.S. Code 1681 : Full Citation : 15 U.S.C. 1681 Title : Congressional findings and statement of purpose Key Points : Purpose : To require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner that is fair and equitable to the consumer. Focus Areas : Accuracy and fairness of credit reporting Consumer rights regarding credit information Limitations on access and use of consumer credit reports Statutory Language ( Summary of 1681 ( a ) and ( b ) ) : ( a ) The Congress finds that : The banking system is dependent on fair and accurate credit reporting. Inaccurate credit reports undermine the efficiency of the banking system. Consumer reporting agencies play a vital role in assembling and evaluating credit and other information on consumers. ( b ) Purpose : To ensure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. Additional Information : The FCRA is enforced by the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ). The full Act spans multiple sections beyond 1681, addressing : Consumer access to reports Correction of inaccuracies Restrictions on the use of reports Identity theft protections

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 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have requested removal of all names and addresses and phone numbers to be removed along with description of reinvestigation procedure according to 15 USC 1681i ( 7 ) states if requested by consumer, this must be provided within 15 days in order to be in compliance with FCRA guideline. Failure to provide verification to me. I Have never lived at any address other than the one provided they refuse to move the address and phone numbers without this report. 
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
Consumer complaint received 2025-07-10 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: FL

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 : XXXXXXXX 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 XXXXXX/XX/year>, Balance : {$2300.00} 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 XXXXXX/XX/year>, Balance : {$5100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-10 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: MS

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 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 non-monetary relief
Consumer complaint received 2025-07-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: VA

Complaint narrative:
I am filing a complaint because my creditor is reporting late payments on my account with carrington mortgage ending in XXXX for the months of XXXX, XXXX, XXXX, XXXX, and XX/XX/year>. The mortgage company never contacted me about late payments and the account was set to automatic payments. Once the credit report was viewed the company was called immediately and the account was cutrent. The mortgage company has refused to change the payments to on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-10 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: NV

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 XXXX XXXX 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 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 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 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 2025-07-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have encountered difficulties accessing my [ Equifax Information Services ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with non-monetary relief