vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: NY

Complaint narrative:
I am formally disputing multiple inaccuracies on my credit report. These entries are incorrect, are causing measurable harm, and must be corrected.

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 2025-10-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Capital one had not reported my secured credit card this is my XXXX month having it and its not on my credit report. 

As well as the fact XXXX cant get a credit card even though I have months of good credit history and pay back all my credit cards. 

Several accounts have purposefully closed and made it so that it is difficult for me to pay the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 submitting to formally dispute inaccurate and unauthorized information currently appearing on my credit report. Upon reviewing my credit file, I noticed that an address with which I have no affiliation has been listed under my personal information, along with XXXX hard inquiries that I did not authorize or initiate. This incorrect information is concerning, as it may indicate potential misreporting, identity confusion, or possible identity theft. It is critically important that the information in my credit file accurately reflects my actual residential history and legitimate credit activity, and I am requesting that these errors be thoroughly investigated and removed if they can not be verified. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/year> XXXX XX/XX/year>

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 2025-10-20 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 submitting to formally dispute certain inaccurate information currently appearing on my credit report. First, the addresses listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not associated with me. I have never resided at these locations nor have I conducted any business there. Accurate address information is vital to the proper reporting of my credit history, and these inaccuracies could lead to confusion or misidentification. Second, I dispute the late close status reported for the account XXXX XXXX XXXX with a balance of {$0.00}. I request that you verify this information with the original creditor. If this late close status can not be substantiated or is inaccurate, please update or remove this item from my credit report accordingly.

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 2025-10-20 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 am submitting to formally dispute certain inaccurate information currently appearing on my credit report. First, the addresses listed as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not associated with me. I have never resided at these locations nor have I conducted any business there. Accurate address information is vital to the proper reporting of my credit history, and these inaccuracies could lead to confusion or misidentification. Second, I dispute the late close status reported for the account XXXX XXXX XXXX with a balance of {$0.00}. I request that you verify this information with the original creditor. If this late close status can not be substantiated or is inaccurate, please update or remove this item from my credit report accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home 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: OH

Complaint narrative:
I have been trying to get documents from Phh mortgage for XXXX years to show the loan details including the second mortgage details, but they continually send me different information than what I have requested. I was XXXX months behind with Phh and contacted them several times to get an appointment set up to get my payments updated. The last XXXX days I tried calling them, they hung up on me XXXX times in XXXX days, and took the ability for me to access my account away. I have tried to contact their attorneys XXXX times, both my mail and by phone, and they have not responded, and have now filed foreclosure proceedings against me. I have the money to get my loan caught up, but I wanted to speak with them or their attorney before paying to make sure I wasn't paying for fees they XXXX be charging while not responding to me, and also because just prior to losing access to my account I noticed that they were billing me the wrong amount. My payments was {$750.00} when Phh bought the loan from OCWEN and we did a mortgage modification which changed the payments to {$670.00}, but PHH had been charging me the {$750.00} again. I am XXXX and on a fixed income and had some unfortunate medical issues that got me behind with them, but I was able to save enough to get things caught up but they would not speak with me. I also have a lot of equity in my home and was wanting to speak to them about accessing some to pay for my medical bills, but because this XXXX XXXX put a XXXX on my home, I cant get a loan on the equity of my home. I have been requesting the original loan documents and payment history showing that My second mortgage is included in this loan because I had another company ( 's ) SUING me for a loan that doesn't exist. ( see complaint # 's XXXX & XXXX ) and since they have a lien put on my XXXX, I am unable to get access to any of my equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: DE

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$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 explanation
Consumer complaint received 2025-10-20 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 took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX of the first discrepancies I noticed involved inaccurate personal information. My name is incorrectly reported as XXXX XXXX, and my addresses are inaccurately listed as XXXX XXXX XXXX, XXXX XXXX, AR XXXX and XXXX XXXX, XXXX, AR XXXX. These inaccuracies XXXX cause confusion and misreporting across my credit files and should be corrected immediately. XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1300.00} XXXX  XXXX XXXX * Balance Owed : {$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 explanation
Consumer complaint received 2025-10-20 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: AR

Complaint narrative:
I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. XXXX of the first discrepancies I noticed involved inaccurate personal information. My name is incorrectly reported as XXXX XXXX, and my addresses are inaccurately listed as XXXX XXXX XXXX, XXXX XXXX, AR XXXX and XXXX XXXX, XXXX, AR XXXX. These inaccuracies XXXX cause confusion and misreporting across my credit files and should be corrected immediately. XXXX XXXX XXXX * * * * * * * * * * Balance Owed : {$1300.00} XXXX  XXXX XXXX * Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: DE

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this second-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: W&A Intermediate Co., LLC
State: KY

Complaint narrative:
Account # XXXX XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or i will have to take legal action.,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: CA

Complaint narrative:
I am disputing inaccurate reporting on all Bureaus credit report. A closed account with XXXX XXXX shows a {$0.00} balance but is inaccurately reported in relation to payment history. Additionally, multiple inquiries from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX appear incorrectly and are included in this dispute. Under FCRA 611 ( 15 U.S.C 1681i ), I have the right to dispute inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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 am disputing inaccurate reporting on all Bureaus credit report. A closed account with XXXX XXXX shows a {$0.00} balance but is inaccurately reported in relation to payment history. Additionally, multiple inquiries from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, and XXXX appear incorrectly and are included in this dispute. Under FCRA 611 ( 15 U.S.C 1681i ), I have the right to dispute inaccurate information.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
This correspondence serves as my third formal dispute regarding the reporting of XXXX accounts that continue to display inaccurate late payment information, despite my prior dispute submission. I have reviewed my account statements and verified records, and it is clear that these entries do not accurately reflect my payment history. The continued reporting of these late payments misrepresents my financial obligations and creates an unjust negative impression of my creditworthiness. 
XXXX XXXX XXXXXXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX late 60 days XX/XX/XXXX and late 30 days XX/XX/XXXX this account is already repaired on equifax credit bureau and and no more lates reporting XXXX XXXX XXXX Balance : {$14000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX this account is already deleted on experian credit bureau and and no more lates reporting XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$10000.00} Date Opened : XX/XX/XXXX Date Last Active : XX/XX/XXXX Past due 60 days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: TrueAccord Corp.

Complaint narrative:
I had service many years ago with XXXX. It included a phone for myself and my daughter. I had a dispute on a bill for services. After not being able to resolve it with XXXX, I merely changed carriers. My daughter also switched carriers.

This bill is approximately 10 years old and It keeps getting switched to new debt collection companies. They have located my daughter in a different state, send letters to her address and somehow obtained her email and send emails.

She was never an account holder, they have zero right to contact her yet they are doing so. The debt is also well past the statute of limitations.

I have sent them a letter informing them to cease and desist. That should include just passing the debt on to a new debt collection company

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: Upstart Holdings, Inc.
State: NY

Complaint narrative:
Company is reporting late payments that never took place

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Company is reporting late payments that never took place

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 2025-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I've been using CHASE Bank as an individual for over two years. In XX/XX/year>, I opened a business account with them. On XX/XX/year>, I made my first deposit into the new business account by check at a CHASE branch for {$4000.00}. Since my job involves repairing cars after hailstorms, I travel frequently between states. On XX/XX/XXXX, I withdrew {$1000.00} in cash in Colorado and another {$1000.00} on XX/XX/XXXX in California. On XX/XX/XXXX, I received a message from CHASE that I was involved in fraud and that my accounts would be closed. They also froze my funds in my personal and business accounts. They also blocked the app. I called customer support, but they said they couldn't give a reason, that they would close the accounts after an audit and send checks with my funds. I received a notification that they closed my accounts on XX/XX/XXXX. I also went to the bank and they assured me that the money would be returned by check within 10 days. I'm still waiting for them, they still haven't returned them. I called customer support more than 10 times, I went to the bank three times. And only the last time they said they couldn't verify my check for {$4000.00} and therefore wouldn't return it. They said they found the employer 's number online and couldn't get through. That's why it happened. How does such a large and reliable bank verify checks? It's ridiculous and shameful. I work as an independent contractor for a large company, XXXX XXXX XXXX, which has about 500 employees. I receive electronic checks from them via the XXXX XXXX. The check is written out from XXXX XXXX XXXX and in the name of Director of Field Operations XXXX XXXX. It is registered to my new company, XXXX XXXX XXXX XXXX. Before I opened my company, I deposited these checks into my personal CHASE account in my own name and had no problems. I now deposit these checks at another bank and have no problems. In this situation, I see fraud on the part of CHASE Bank. They stole my money, closed my accounts without cause, and promised to return the money within 10 days, but I've been waiting for three months now. I don't think they're conducting any investigation and I'm asking for help. They're currently withholding {$1900.00} from my personal account and {$1900.00} from my business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. 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 non-monetary relief