vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: CA

Complaint narrative:
I was enrolled full-time at XXXX XXXX University XXXX XX/XX/XXXX to XX/XX/XXXX, which means my federal loans were in in-school deferment and no payments were due. 

Despite this, XXXX reported my loans as delinquent and past due between XX/XX/XXXX and XX/XX/XXXX, with multiple Balance Past Due reports each month. 

I provided XXXX with official enrollment verification from XXXX XXXX University, and they acknowledged receiving it, yet repeatedly stated they were not able to fix it. 

These false reports lowered my XXXX XXXX from about XXXX to XXXX and continue to appear on my credit report. 

I have already filed XXXX XXXX XXXX XXXX # XXXX, which confirms my enrollment and deferment eligibility. 

I request that the CFPB investigate and require XXXX to correct my account status, remove all false delinquency reports, and confirm that my loans were in deferment during my full-time enrollment period.

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 2025-11-11 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: CA

Complaint narrative:
I was enrolled full-time at XXXX XXXX University XXXX XX/XX/XXXX to XX/XX/XXXX, which means my federal loans were in in-school deferment and no payments were due. 

Despite this, XXXX reported my loans as delinquent and past due between XX/XX/XXXX and XX/XX/XXXX, with multiple Balance Past Due reports each month. 

I provided XXXX with official enrollment verification from XXXX XXXX University, and they acknowledged receiving it, yet repeatedly stated they were not able to fix it. 

These false reports lowered my credit score from about XXXX to XXXX and continue to appear on my credit report. 

I have already filed XXXX XXXX XXXX XXXX # XXXX, which confirms my enrollment and deferment eligibility. 

I request that the CFPB investigate and require XXXX to correct my account status, remove all false delinquency reports, and confirm that my loans were in deferment during my full-time enrollment period.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
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 2025-11-11 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:
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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: NORTHWEST BANCSHARES INC
State: NY

Complaint narrative:
.My name is XXXX XXXX XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX NY XXXX, contact phone is XXXX and I can also be reached by email at XXXX. I previously filed a complaint back on XX/XX/XXXX complaint ID XXXX with no resolve. 
XXXX Northwest Bank is pursuing a wrongful foreclosure against my property, despite their own Contradictory records indicating my account is current or overpaid. The foreclosure is the culmination of a pattern of misconduct that began with fraudulent loan origination in XXXX and has continued through a botched XXXX refinance and systematic servicing errors, including charging excessive, illegal fees. 
Second XXXX Loan Origination XXXX as Northwest Bank knowingly misrepresented my mothers role from a co-signer to a co-borrower/owner without her or my consent. This is evidenced and exhibited by the uniform application. This was a material misrepresentation made to secure a loan I would not have otherwise qualified for, representing clear fraud. 
Third XXXX Failed Refinance Despite an agreement to remove my mother from the mortgage during a XXXX refinance, the bank only removed her from communications, as admitted in writing in a email exhibited by said email. This failure to fulfill a contractual obligations is illegal and has caused me and my mother ongoing harm. Furthermore, the bank has yet to explain the whereabouts of the {$39000.00} intended to pay off the previous mortgage. 
Fourth Systemic Record-Keeping Failure in reviewing my payment history, XXXX different sets of records provided by Northwest Bank XXXX the account history, monthly statements, and credit report - all provide conflicting information regarding payment amounts and dates. The credit report even suggests I am significantly overpaid, a claim that directly contradicts the banks assertion of default. This is a clear violation of the Fair Credit Reporting Act and demonstrates a systemic failure to maintain accurate records evidenced by documented exhibits. 
XXXX XXXX and Illegal Fees in XXXX alone the bank charged over {$2200.00} in late fees, far exceeding the maximum allowable and representing a clear instance of illegal pyramiding of fees.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-10 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: MI

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 2025-11-10 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: MI

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
am filing this complaint because XXXX XXXX has failed to properly verify or validate the account I disputed. In their response, they admitted there is no signed application, and instead only provided internal account data such as dates and payment information. This is not verification under the Fair Credit Reporting Act ( FCRA 611 ( a ) ) or the Fair Debt Collection Practices Act ( FDCPA 809 ( b ) ).

Capital Ones response does not include the required documentation such as : The original signed agreement or application proving I opened the account ; Complete payment history or billing statements ; Proof of ownership or chain of assignment ; Charge-off notice or final billing statement ; and Communication records showing attempts to notify me. Simply confirming data in their system does not meet the verification standard under federal law or Metro 2 reporting requirements, which require accurate and verifiable documentation. Because they failed to provide any of the above materials aft
er multiple requests, they are in violation of FCRA 623 ( a ) ( 1 ) ( A ) for continuing to report unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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: SC

Complaint narrative:
This CRA is reporting false information on their consumer report version on me. XXXX XXXX, XXXX / XXXX, XXXX are all fraudulent accounts and have been reported to the police. These accounts are not mine. They were not opened by or authorized by me. My wife and I are co-victims to this scheme. Someone has a forged Power of Attorney documents in our names.There are open active investigations in XXXX XXXX XXXX XXXX, and 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 2025-11-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX : TransUnion LLC P.O. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Unauthorized Credit Inquiry Dispute Dear TransUnion, I am writing to dispute an unauthorized credit inquiry that appears on my credit report. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate or unverifiable information. 
Details of the Inquiry : Creditor/Company Name : Capital One Date of Inquiry : XXXX inquiry was not authorized by me, and I did not apply for credit or services with this company. I contacted the company on XX/XX/XXXX, and they confirmed they have no record of an application from me. 
Please conduct a reinvestigation and remove this inquiry from my credit report if it can not be verified as authorized. 
Enclosed are copies of my credit report with the inquiry highlighted and any supporting documentation. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Upstart Holdings, Inc.
State: MA

Complaint narrative:
I am filing this complaint because Upstart XXXX XXXX XXXX XXXX  is reporting inaccurate, inconsistent, and unverifiable information regarding two installment loans that were both sold and paid in full. XXXX  has already deleted these tradelines after reinvestigation, confirming the data could not be verified or was inaccurate, yet XXXX  and XXXX  continue to report them with conflicting and misleading information. The first Upstart loan ( ending in XXXX ) was sold to Indebted in early XXXX, and the second Upstart loan ( ending in XXXX ) was sold to XXXX XXXX and paid in full, as confirmed by XXXX  legal counsel, XXXX XXXX XXXX, XXXX. Despite these transfers and payments, Upstart continues furnishing charge-off data to XXXX  and XXXX, creating the false appearance of active delinquency. My attached XXXX  screenshots clearly show the discrepancies : each bureau lists different Last Reported and Charge-Off dates, different balances, and contradictory account statuses such as Paid Profit and Loss, Unpaid Balance Reported as a Loss, and Reinvestigation in Progress. These inconsistencies violate FCRA 607 ( b ) ( failure to ensure maximum accuracy ), 623 ( a ) ( 1 ) ( A ) ( furnishing information known to be inaccurate ), 623 ( a ) ( 2 ) ( failure to update or correct ), 605 ( c ) ( unlawful re-aging ), and 611 ( a ) ( 5 ) ( requirement to delete unverifiable information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have XXXX clue I got charged by a random account from XXXX, and I never made an account with them. I lost XXXX XXXX and i called this XXXX number to despute it and they were asking me weird questions, keep in mind this is off the chase link. XXXX XXXX XXXX So if there is any more fraudulent charges or anything else. Chase gave me false information. The following questions that were asked was. How much do you make a month, XXXX XXXX XXXX  And which loan was from you camel back, cactus, or bell it made no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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 am filing this complaint because multiple accounts that do not belong to me are being reported under my name, and it appears that my credit information has been mixed with someone elses. I have never opened, authorized, or managed these accounts, yet they continue to appear on my report. This situation is completely unacceptable and creates a false and misleading picture of my financial history, which has caused me unnecessary stress and harm.

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 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Transunion is reporting that i have no credit history with them, i have called them and no resolution to my credit report. They have not uploaded it since XXXX and we are in XXXX, i dont h ave access to dispute, credit score or see what they are reporting

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 2025-11-10 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: TX

Complaint narrative:
I'm writing because there's an account on my credit report that is completely inaccurate, and I need this issue addressed and corrected immediately. The information being reported is flat-out wrong, and its already having a serious impact on my credit profile and my life. 

Let me be absolutely clear : I have no connection to this account. I never opened it, never authorized it, and have never had any dealings with the company reporting it. This is either the result of a reporting error, identity theft, or a case of mixed files but whatever the cause, this is not my debt and it needs to be removed. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to maintain and report 100 % accurate and verifiable information. Whats currently being reported under my name does not meet that standard. In fact, its a direct violation of my rights under the FCRA, specifically Section 607 ( b ), which requires you to follow reasonable procedures to ensure maximum possible accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Applied for Chase credit card, was approved. But then I received a letter informing me that the account would be closed. The letter was vague so I attempted multiple times to get information and to have my account reviewed in hopes that it would remain open. I also submitted a foam complaint to the Executive Office, unfortunately without any success at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ) says ( XXXX ) 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