vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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:
To Whom It May Concern, I am submitting this complaint regarding Experian 's failure to properly investigate disputes I have filed concerning inaccurate information on my credit report. Despite providing evidence to support my claims, Experian has not taken the necessary steps to conduct a proper investigation, which violates my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). 
The inaccurate accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX Collections Account in the amount of {$790.00} ] I have submitted disputes for these accounts and provided documentation to prove the information is either inaccurate or unverifiable. However, Experian has either failed to verify the information properly or has responded with generic " verified '' statements without explaining their investigation process or correcting the errors. 
This failure to conduct a reasonable investigation has caused harm to my credit score and financial well-being, affecting my ability to [ get approved for credit, loans, housing, etc. ].

I am requesting the following actions from Experian through the CFPB : 1. Conduct a proper and thorough investigation into the accounts l 've disputed.

2. Provide me with a detailed explanation of the steps they've taken to verify or correct the information.

3. Remove any inaccurate or unverifiable information from my credit report immediately. 

Thank you for your assistance in addressing this matter and ensuring that Experian complies with federal laws to protect consumers like me. 
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 2025-05-02 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: PA

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. 
DeptedXXXX XXXX XXXXXXXX ( XXXX accounts ), DeptedXXXX XXXX XXXX XXXX ( XXXX accounts ), DeptedXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights.

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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. 1681B ( 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 non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
My credit was good then I started getting notifications that it wasnt. Ive tried to get it back and communicated but it hasnt worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

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

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 2025-05-02 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: AR

Complaint narrative:
I am a victim of identity theft. After researching the Fair Credit Reporting Act and the Federal Trade Commission, I submitted all the documents the FCRA suggested I should to have fraudulent credit items blocked from my credit report, via certified mail to Experian, Equifax, and Transunion. I have tracking numbers if needed to prove each credit reporting agency has received my dispute successfully. Experian, Equifax, and Transunion all confirmed they received my dispute and opened an investigation. At the completion of each credit bureau 's investigation, each credit bureau concluded that the debts belong to me. I understand how it would look like the debts belong to me because the thief that broke into my home gained access to my drivers license, my social security card, my debit cards, mail, and other personal items that were all inside my wallet the thief stole from my home, but these debts do not belong to me and should have been blocked from my credit report within 4 business days of each credit bureau 's receipt. Each credit bureau has violated my rights established in the Fair Credit Reporting Act and has done so to maintain their ongoing business relationship with the creditors disputed.

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 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: RoundPoint Mortgage Servicing LLC
State: KS

Complaint narrative:
RoundPoint Mortgage Servicing LLC Refuses to release my insurance claim check back to me after my final inspection was completed at 100 % for repairs on the damages that occurred XX/XX/year>. My inspection was completed on XX/XX/year>. XXXX sent 2 checks in the amount of XXXX cents each on XX/XX/year>, for the interest that accrued during the repairs, however the remaining balance in the sum of almost XXXX dollars have not been sent to me. RoundPoint Mortgage Servicing LLC refuses to send me proof that the check has been generated or shipped.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NRA Group, LLC
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against NTL RECOVERY AGENCY regarding an account I have with them XXXX * * * * I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : NATL RECOVER ( Original Creditor : XXXX ACCOUNT SOLUTIONS FOR ACCOUNT ) XXXX * * * * Balance : {$860.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with NTL RECOVERY AGENCY but to no avail. 


Thank you for your attention to this matter. I look forward to your prompt response.

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 2025-05-01 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Fraudulent Activity and Misuse of My Credit File I am writing to formally report that I am a victim of fraud and that my personal information has been used without my authorization, resulting in serious abuse of my credit file.

I recently became aware of several accounts and/or credit inquiries that were made in my name which I did not initiate or authorize. This fraudulent activity has negatively impacted my credit score and has caused significant financial and emotional hardship, including denial of credit, increased interest rates, and reputational damage.

Please consider this a formal request to investigate the matter thoroughly and to take all necessary steps to correct my credit file. I am in the process of filing reports with the appropriate law enforcement agencies and credit bureaus, and I will provide any documentation needed to support my claim.

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 2025-05-01 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/ and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-05-01 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: VA

Complaint narrative:
I am writing to formally dispute inaccurate and potentially outdated information being reported on my credit file. This pertains specifically to the account listed as : Creditor Name : XXXX XXXX Account Number : XXXX Reported Balance : {$85.00} Charge-off Status Date : XX/XX/year> or XX/XX/year> I am requesting that your office investigate this matter and validate the accuracy and completeness of the reported charge-off. Under the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to ensure that only verifiable and accurate information is reported.

Specifically, I am disputing the following issues : The continued monthly reporting of the balance after charge-off, which may constitute re-aging.

The inconsistent reporting language across all three bureaus.

The accuracy of the {$85.00} balance post charge-off, as this amount appears unresolved without proper debt validation or notification from the original creditor.

Please provide : 1. Verification of the debt including the date of last payment and the final balance prior to charge-off. 
2. Documentation from XXXX confirming the charge-off and current balance. 
3. Clarification on whether the account is still owned by XXXX XXXX  or sold to a third party. 

If the information can not be verified within the required 30-day window, I respectfully request that it be removed from my credit file per 15 U.S.C.1681i ( a ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: NJ

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 explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX an Chase bank both companies someone got my information an used both its been so hard tryna get everything back to normal I will truly appreciate you guys help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: FL

Complaint narrative:
hello i want to ensure that my account is reporting correctly with XXXX and im always asking for a correction to my payment history. XXXX XXXX XXXX XXXX. THIS ACCOUNT is not closed its currently open and im asking for a correction for reporting purposes. Also, i spoke to XXXX several months ago and i advised them of my XXXX XXXX XXXX XXXX last year. Im asking for a removal of the remark from my credit report showing XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I contacted bridgecrest.com and asked them to stop reporting late payments to potential employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TX

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint because I have been a documented victim of identity theft going back to XXXX, which I was unaware of at the time. In XXXX, after my wallet, drivers license, and social security card were stolen ( police report filed XX/XX/XXXX ), the situation intensified, and fraudulent accounts began appearing on my credit reports. 

Additionally, my personal information was further exposed in multiple major data breaches, including the XXXX & XXXX XXXX breach ( XXXX, disclosed XXXX ), the XXXX  data breach, and the XXXX XXXX XXXX XXXX data breach ( XX/XX/XXXX ). These breaches greatly increased my vulnerability to identity fraud. 

Despite providing the credit bureaus with an FTC Identity Theft Report and the police report, the credit reporting agencies have failed to fully remove these fraudulent accounts. Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I formally request the CFPB ensure the bureaus provide the method of verification they relied on to validate these debts. I assert that no physical or signed contract exists linking me to these accounts.

I am suffering ongoing financial hardship as a direct result of these fraudulent records remaining on my reports, which affect my credit standing, access to housing, and financial opportunities.

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 2025-05-01 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: AZ

Complaint narrative:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Company Name : Comenity Bank ( XXXXXXXX XXXX XXXX XXXX  Credit Card ) Issue Type : Billing dispute / Misleading terms / Late fee and interest charges Complaint : I am filing this complaint regarding serious issues I encountered with Comenity Bank in relation to my Academy Sports + Outdoors credit card account. 

1. Misleading Promotional Rate : When I opened the account, I was offered a promotional financing rate. I made purchases under the impression that I would have a set time period to pay them off without incurring interest. However, I was not informed clearly that this was a deferred interest plan, or that the full interest would be charged retroactively if not paid in full by the end of the promotional period. I believe this was either misrepresented or inadequately disclosed at the time of the offer. 

2. Unjust Late Fee and Excessive Interest Charges : After making a payment on timebefore the due datemy account was unexpectedly closed. Despite this, I was charged a late fee. Worse, Comenity then applied over 51 % interest on that late fee. When I contacted customer service to resolve the issue, they refused to remove the charges or provide any documentation supporting their decisions. I requested further information about the fee and interest calculation, and was told, verbatim, that " there is no information to be requested. '' This behavior is not only financially punitive but also opaque and dismissive of consumer rights. I am seeking a full reversal of the late fee and associated interest charges, as well as a review of the promotional terms disclosure practices.

Company response to consumer: Closed with explanation