vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
On XX/XX/XXXX, we received a letter dated XX/XX/XXXX stating that the payment terms of our Trustmark Bank HELOC would be changed, causing an {$800.00} increase. WE were taken by complete surprise. This was never discussed when we signed up for the HELOC. I called XXXX as instructed on the paperwork, and after calling, I was told I would receive a return call, which I never received. 

Between XX/XX/XXXX and XX/XX/XXXX, I went to local branches to get detailed information on why this happened. I was informed it was my credit, as the document states, " your credit score from this consumer reporting agency was used in making our credit decision ''. I informed them that my primary mortgage lender had made a mistake on my credit report ( causing an XXXX to XXXX point decrease in my score ), and emailed a letter from the lender confirming the error and that they were fixing it. The info to my knowledge was forwarded to the proper channels by the local bank. 

On XX/XX/XXXX, I was able to finally speak with a decision maker from the credit dept. after calling and leaving messages that were unreturned. She wouldn't acknowledge the mistake made on my credit, but only spoke about my credit balances. My credit balances were the same a year ago when I came into the bank for a credit transaction, and the same credit dept. saw my credit balances then, and there was no problem. The only difference is my credit score. I asked several times in different ways ( because I thought she didn't understand my question ) what needs to be done to correct this issue. She stated I just needed to pay.

She stated the new terms of the loan could be lowered to 1 % from 2 % but that would have to be done at a local bank. I told her that the local bank had no idea of what she was speaking of. She said, " If a branch manager doesn't know how to call her back directly ''. The next day, XX/XX/XXXX, I called her back because the local branch didn't know what she spoke of, and she never answered or called back. Five days have passed since I spoke with her, and this debacle has gone on for three weeks.

( RESPECTFULLY, I don't advise anyone to deal with a customer service organization that you paid over {$40000.00} within four years, not including my credit card and free business banking account I pay {$30.00} per month for, that can't and won't : answer specific questions, is unwilling to communicate, i.e., no returned calls or emails. It means they don't care for you. For some to do their job, they have to have a motivation, and that is to like you. If they don't " like '' you, in
their minds, they will think you're asking for special treatment when all you really want is for them to do their job. )

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-12-09 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: LA

Complaint narrative:
I am writing to dispute several items that appear on my credit reports. Below, I have outlined the accounts that I believe contain inaccuracies. Please review these disputes and investigate them accordingly. These accounts should be updated to reflect the correct information. 

CHARGED OFF EQUIFAX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$840.00} XXXX XXXX XXXX, XX/XX/XXXX, {$330.00} XXXX, XXXX, XX/XX/XXXX, {$740.00} XXXX, XXXX, XX/XX/XXXX, {$9100.00} XXXX, XXXX, XX/XX/XXXX, {$1600.00} INQUIRIES EQUIFAX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX LATE PAYMENT EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: ND

Complaint narrative:
I have reviewed my credit report and found these unverified items. Please remove or block these items

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 2025-12-09 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: VA

Complaint narrative:
I am filing this dispute to request the investigation and removal of the following inaccurate information from my credit reports. Please review the listed accounts for each bureau, and I respectfully request that any information that can not be verified as accurate be removed in compliance with the Fair Credit Reporting Act. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} DPT EDXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX 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 explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Source Receivables Management LLC
State: AR

Complaint narrative:
Money was took transactions fraudulent accurad I need it back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The following accounts are being disputed with TransUnion ( TU ) due to reporting errors. We request that TransUnion investigate these accounts and provide an updated and accurate report per the requirements of the Fair Credit Reporting Act. 

XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$110.00} XXXX & XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$560.00} XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$220.00} LATE PAYMENT TU : The following late payments are being disputed with TransUnion ( TU ). We request a thorough review to ensure that these items are accurately reported. 

XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-12-09 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: FL

Complaint narrative:
I am a consumer attempting to resolve issues on my credit report. Please review the following disputed accounts and correct any inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). If any of these items can not be verified, I request their removal from my credit report. 

Charged Off Accounts : XXXX XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$3500.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$850.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$3600.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$780.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$850.00} XXXX  Account # XXXX Opened : XX/XX/XXXX Balance : {$1300.00} XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$81.00} XXXX XXXX Account # XXXX Opened : XX/XX/XXXX Balance : {$300.00} Inquiries : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX AXXXX Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX Late Payments : XXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX  Account # 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 2025-12-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Back in XX/XX/year> my payments were starting for XXXX XXXXe for the amount of {$2800.00}. I sent my tax exemption state that since i was a 100 % XXXX vet in Texas i don't pay property taxes. The sent me a new escrow disclosure stating my new monthly payment will be {$2000.00} starting XX/XX/year>. The company never changed my payment in the system to the {$2000.00} instead kept it at the higher amount. I called they told me the system was so to just pay the {$2000.00} and it will get fixed. XXXX  months later it still was not fixed. and they transferred my loan to PHH Mortgage company with now what looks like a missed payment for the month of XXXX. I've since then did a escalation with PHH and was told that there is nothing PHH could do XXXX XXXX would have to fix it. XXXX XXXX states that they cant fix it because they don't have control of the account that PHH would have to fix it. At this point in time i have not heard from the Escalation Manager at PHH in over a month and cant get in touch with even customer support .. Ive sent all doc to PHH that XXXX supplied since XX/XX/year> and bank statements and this issue still has yet to be resolved. This is my final attempt to get this fixed before taking both PHH and XXXX MXXXX to court. Attached is XXXX bank statements, escrow statements and billing statements. Since XXXX from today XX/XX/XXXX XXXX payments have been made. which would mean up to date.

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 2025-12-09 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: WI

Complaint narrative:
This account does not belong to me and is being incorrectly reported on my credit file. I have no knowledge of this account, and the information being reported is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: WI

Complaint narrative:
This account does not belong to me and is being incorrectly reported on my credit file. I have no knowledge of this account, and the information being reported 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 2025-12-09 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: TX

Complaint narrative:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged Off Accounts in Dispute : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00} XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$290.00} XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Inquiries in Dispute : XXXX Card Date : XX/XX/XXXX Rally CU Date : XX/XX/XXXX XXXX Auto Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/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 2025-12-09 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: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$1600.00}

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 2025-12-09 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I have multiple hard inquiries on my credit report that I didnt apply for and now Im trying to get them removed because its hurting my credit XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-12-09 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: Experian Information Solutions Inc.
State: IL

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 Experian, XXXX  XXXX XXXX  credit report on XX/XX/year> 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 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 2025-12-09 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: LA

Complaint narrative:
My credit report contains inaccurate and negative information, including unauthorized accounts and inquiries, employer entries, and outdated addresses. These errors violate the FCRA ( 607 ( b ), 611 ), which requires accuracy and proper reinvestigation. Despite prior disputes, they remain on my file and harm my credit standing. I request that the CFPB ensure credit bureaus and furnishers promptly remove all inaccurate items and inquiries, correct or delete erroneous personal details, and maintain only accurate, verifiable, and current information on 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 2025-12-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Company is filing this account as a new collection account. This account was sent to collections more than 5 years ago and information is false. To try to continue to damage credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: NC

Complaint narrative:
Company is filing this account as a new collection account. This account was sent to collections more than 5 years ago and information is false. To try to continue to damage credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: FL

Complaint narrative:
I have no connection whatsoever to these accounts ; they must be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 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: NY

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the accuracy of several accounts reported on my credit file. Below are the details of the accounts I believe are inaccurately reported. I respectfully request that these accounts be investigated for accuracy and corrected if necessary. If any of the information can not be verified, I request that it be removed from my credit report in compliance with the Fair Credit Reporting Act. 

Charge Off Accounts : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3000.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2400.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$630.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$72000.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$62000.00} Dispute Reason : Inaccuracy in reporting Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$40000.00} Dispute Reason : Inaccuracy in reporting

Company response to consumer: Closed with non-monetary relief