vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Interest rate
Company: Mr. Cooper Group Inc.
State: AL

Complaint narrative:
I applied for SCRA rights to bring my mortgage down to 6 % they have not done this I have emails proving this and military orders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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 writing to report an incident of identity theft involving a fraudulent account that has appeared on my Equifax credit report. I recently reviewed my credit report from Equifax for accuracy and discovered an account that I do not recognize and did not authorize. 
The details of the fraudulent account are as follows : XXXX XXXX XXXX Date Opened ( according to Equifax report ) : XX/XX/year>. 
I have never opened an account with this creditor XXXX XXXX XXXX and I have no knowledge of this account. I believe my personal information has been compromised and used to fraudulently open this account. 
I have checked my credit reports from the other two major credit bureaus, XXXX  and XXXX, and this unfamiliar account does not appear on either of those reports. This discrepancy further reinforces my belief that this is a fraudulent entry specific to Equifax.I understand that filing this report is an important step in recovering from identity theft and can assist law enforcement agencies in their investigations. 

Thank you for your time and assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
J.P. Morgan Chase Auto loan department viewed and obtained a copy of my consumer report without my knowledge. I did not give them permission to view my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
US Bank closed all of my checking and savings accounts. This includes business checking and personal checking accounts. They will not give me a reason other than " This account triggered for review in Loss Prevention. " The bank did not notify me- but I called them as my XXXX account had been closed. I called US Bank on XX/XX/XXXX- they transferred me to the fraud department and told me they were closing all of my accounts. 

I have not had any low balances, bounced checks, rejected charges. There is ample money in the accounts at all times. 

The bank will not discuss the reason for closing the accounts and will not allow me to open substitute accounts.

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 2025-05-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: Bridgecrest Acceptance Corporation
State: PA

Complaint narrative:
Bridgecrest is reporting an auto loan with a {$13000.00} repossession balance on all three credit bureaus that is factually and legally incorrect. 

The repossession occurred in XX/XX/year> after my final payment on XX/XX/year> ( {$220.00}, confirmation # XXXX ). 

My credit report shows " OK '' payments well into XXXX even though the car was taken and the contract was terminated, which is not accurate or possible. 

I have not received any pre-sale or post-sale notices regarding the vehicle disposition, as required under Florida law ( UCC 679.610.614 ). Without those, Bridgecrest may not legally collect or report a deficiency. 

I also suspect the debt was sold, yet the tradeline still shows a balance owed to Bridgecrest. This is a violation of the Fair Credit Reporting Act ( FCRA ) and the Florida Consumer Collection Practices Act ( FCCPA 559.72 ( 9 ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: CT

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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

Company 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I sent your company a letter disputing account number XXXX with XXXX XXXXXXXX on XX/XX/2025. I received a response from you dated XX/XX/2025, where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the items have been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
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 2025-05-13 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Army and Air Force Exchange Service
State: WY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnSubject: Formal Credit Report Dispute Under FCRA  611  Request for Deletion\nDear XXXX  am formally disputing the accuracy and completeness of the following accounts on my credit\nreport:\n1. AAFES/Military Star  Reporting a balance above the credit limit and no payment\nactivity since XXXX I demand deletion unless accurate verification is provided within 30\ndays as required under 15 U.S.C. 1681i.\nPlease conduct a thorough reinvestigation and provide me with the method of verification per\nFCRA  611(a)(6)(B)(iii). If you are unable to verify, delete these accounts as required by \n611(a)(5).\nSincerelXXXX XXXX XXXXXXXX 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 2025-05-13 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:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: MA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. 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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Delete and remove unauthorized/fraudulent inquiries. 

Inquiries : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX - XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XX/XX/year> Under 15 U.S. Code 1681c2 - Block of information resulting from identity theft, you are required to block this information within 4 business days of receiving the following : -Appropriate proof of my identity -A copy of my identity theft report, which I have provided -Identification of the fraudulent information, listed below This needs to be resolved immediately. Under the FCRA, each violation of my rights entitles me to damages of {$1000.00}. Im willing to settle for that amount {$1000.00} per violation. If I dont receive payment within 4 days, I will pursue actual damages, which could be much higher.

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 2025-05-13 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXXXXXX Balance : {$14000.00} XXXX XXXXXXXX XXXX XXXX : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
I am filing this complaint because Experian is reporting inaccurate information on my credit report regarding an unsecured loan I had with XXXX in XXXX. The loan was fully paid, but Experian is showing a XXXX late payment for XX/XX/XXXX, which is not correct. 

I initially disputed the late payment in XXXX, but the issue was not resolved. I submitted another dispute on XX/XX/XXXX, and again, the issue was not properly investigated. The account now has a remark stating, Previously disputed item remained unchanged. This suggests no meaningful investigation was done, as I have clear evidence that this account was never late. 

The payments for this loan were set up on autopay, so they were automatically deducted from my bank account on time each month. I have proof of timely payments, including bank account statements and official statements from XXXX, showing the exact dates payments were made. I have circled the relevant payment information on the attached statements for clarity.

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 2025-05-13 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: TX

Complaint narrative:
I am submitting this complaint against Experian regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I discovered discrepancies in the following account ( XXXX ) : Account Name : XXXXXXXX XXXX  Account Number : XXXX Disputed Information : there are inconsistencies among the three credit bureaus regarding the date of last activity, date opened and furthermore, there are discrepancies in the reported payment history, which inaccurately reflects my payment behavior Under Section 611 of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section 609 ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
Section 611 : Right to dispute inaccuracies and request investigation.

Section 623 ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original.

15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, Experian has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in 15 U.S. Code 1681i. Additionally, I referenced 15 U.S. Code 1681e ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under 15 U.S. Code 1681s-2, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute. 
Additional Information : Attached documents : List any supporting documents you are including, e.g., copies of my dispute letters Experian, proof inaccurate information of 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/year>, I started a withdrawal of {$500.00} in cashapp to deposit into my external bank account. By XX/XX/year>, the money was not in my XXXX XXXX account. Instead the account it deposited into was an XXXXXXXX XXXX XXXXXXXX account that I do not have. I have no accounts with XXXXXXXX XXXX Cashapp or someone else was able to steal {$500.00} from me. Cashapp support has done nothing to help me and {$500.00} is now gone because somehow my linked bank account was changed. This is fraud and I would appreciate it if someone could help me get my own money back. The linked bank account said XXXX XXXX XXXXXXXX and the number ended in XXXX. That account does not belong to me and this is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Synovus Bank
State: CA

Complaint narrative:
I was making payments on the accouont through XXXX XXXX XXXX at a set amout of {$40.00} per month, but the original balance of {$440.00} owed never decresed, because there were late fees and interest penalties attached that they told neither me nor XXXX XXXX about until after I made 11 months pf payments. At this rate, I will never payoff the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: GA

Complaint narrative:
To Whom It May Concern, I am submitting this complaint to formally dispute inaccurate reporting on my student loan account that is currently affecting my ability to obtain housing.

Specifically, the payment history reported by my student loan servicer MOHELA includes incorrect information regarding 12 missed/late payments. These entries are inaccurate, as I have been enrolled in an approved deferment/forbearance program during the periods in question. This misreporting is now negatively impacting my credit profile and preventing me from securing an apartment.

I have contacted the servicer in an effort to correct this information but have not received a satisfactory resolution. As this error directly affects my access to housing and reflects an inaccurate credit history, I am requesting that the CFPB investigate this matter and assist in facilitating a correction with the reporting entity and credit bureaus.

Attached are supporting document ( s ), including correspondence with my loan servicer confirming the deferment records.

Thank you for your attention to this matter. I look forward to your assistance in ensuring that my credit report accurately reflects my student loan payment history. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-13 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: NC

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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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