vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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: MO

Complaint narrative:
Complaint Summary : I am submitting this complaint regarding a credit reporting agency that continues to report inaccurate, unverified, and obsolete information on my consumer file, despite multiple written disputes submitted in compliance with the Fair Credit Reporting Act ( FCRA ) and related consumer protection laws.

The bureau has failed to perform a reasonable reinvestigation under 15 U.S.C. 1681i ( a ) and continues to publish erroneous account and personal identifying information that does not belong to me or has not been properly verified. These inaccuracies have resulted in negative reporting, potential damage to my creditworthiness, and increased exposure to identity theft. 

Details of the Violation : Multiple disputed accounts remain listed after written requests for verification were sent, including lenders and creditors that have not provided documentation proving ownership or accuracy. 

The bureau has also failed to remove outdated and incorrect personal information, including old addresses and employers that should not appear on my current credit file. 

I have been a victim of data breaches involving consumer reporting agencies and other financial institutions. This increases the risk of fraud and unauthorized activity tied to inaccurate or outdated data that remains on my report. 

The bureaus failure to delete unverified and obsolete data constitutes a violation of its duty to maintain maximum possible accuracy under 15 U.S.C. 1681e ( b ).

Continuing to report information that can not be substantiated after notice of dispute also reflects potential willful noncompliance and negligent investigation practices under 15 U.S.C. 1681n and 1681o.

Relief Requested : I am requesting that the Consumer Financial Protection Bureau : Direct the bureau to fully reinvestigate all disputed items and provide proof of verification in writing.

Order the deletion of any accounts, addresses, or employer data that can not be verified with competent evidence. 

Ensure that the bureau complies with its statutory obligations under the FCRA, FDCPA, and related consumer protection laws. 

Require the bureau to issue a corrected and updated credit report reflecting accurate and current information only. 

Summary Statement : This situation has caused ongoing harm to my credit, financial opportunities, and personal security. I have acted in good faith to correct my report, yet the bureau continues to ignore federal requirements and proper verification procedures. I request the CFPBs assistance in ensuring that my rights as a consumer are protected and that these violations are promptly addressed.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I am writing to dispute the following accounts that I believe are inaccurately reported on my credit file. These accounts appear to be incorrectly marked as " charged off '' and are affecting my creditworthiness. Below is a detailed list of the disputed accounts separated by credit bureau. I kindly request a review of these items and appropriate action be taken to correct or remove them. 
Charged-Off Accounts : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} I.C. XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3300.00} XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$12000.00} TRANSUNION ( XXXX ) : XXXX XXXX Date Opened : 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 non-monetary relief
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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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: MN

Complaint narrative:
I am disputing the following charged-off accounts reported by Equifax. These accounts may contain inaccuracies in reporting and need further investigation to ensure they are accurately reflected. 

XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX I Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}

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: 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: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a valid identity theft dispute under FCRA 605B, including : 1. A signed FTC Identity Theft Report 2. A police report filed with my local Police Department 3. A written statement explaining the fraud The following accounts remain on my credit report in violation of FCRA 1681c-2 ( a ) :

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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute certain inaccuracies in my credit report. Please review the following accounts and provide me with an updated credit report once the investigation is complete. 

Disputed Accounts : Charged Off Accounts : XXXXXXXX XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2000.00} XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$18000.00} XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$5300.00} Inquiries : XXXX XXXX XXXXXXXX XXXX XXXX : XX/XX/XXXX Late Payments : 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 2025-11-10 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several accounts and inquiries that I believe to be inaccurate or incomplete. Below are the details of the accounts that I request to be investigated and corrected : Charged Off Accounts : XXXX XXXXXXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1300.00} XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$840.00} XXXX XXXXXXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$550.00} Late Payments : XXXX  Account Number : XXXX Late Payment Date : [ Please include exact late payment dates ] XXXX Account Number : XXXX Late Payment Date : [ Please include exact late payment dates ] XXXX Account Number : XXXX Late Payment Date : [ Please include exact late payment dates ] XXXX XXXX XXXX Account Number : XXXX Late Payment Date : [ Please include exact late payment dates ] XXXX XXXX Account Number : XXXX Late Payment Date : [ Please include exact late payment dates ] I kindly request a thorough investigation of the above accounts and the removal of any inaccuracies that may exist.

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: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In XXXX, I financed a vehicle through XXXX XXXX. The vehicle was later repossessed without any prior Notice of Default or Right to Cure, which is required under state consumer protection laws. After the repossession, I did not receive a Notice of Sale or Deficiency Balance Notice as required under UCC 9-611 and 9-614. 

Since then, XXXX XXXX has continued reporting a derogatory balance to the credit bureaus. I have repeatedly disputed this reporting because the company has not provided any documentation verifying the account. Specifically, I have never received a copy of the Retail Installment Contract, billing statements, payment history, or repossession-related notices. 

I submitted multiple complaints and disputes between XXXX and XXXX, yet the company continues to verify the same inaccurate information without producing evidence. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers to ensure accuracy and maintain verifiable records, and 15 U.S.C. 1681c-2, which mandates removal of unverifiable data.

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: 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: GA

Complaint narrative:
XXXX XXXX XXXX has failed to comply with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) after multiple written notices. Despite acknowledging my Cease & Desist and hardship status, they continued to send communications containing debt-collection language and have not updated my credit file to reflect disputed by consumer. 

Timeline of Events : XX/XX/year> I sent XXXX XXXX a formal Cease & Desist & Statement of Hardship under the FDCPA 805 ( c ), including my Affidavit of Indigence and XXXX income verification. 
XX/XX/year> XXXX XXXX confirmed receipt through its Help Center ( Request # XXXX ) and stated that my contact preferences had been updated to stop all communication. 
XX/XX/year> I sent a follow-up letter requesting written confirmation that the account be marked hardship/uncollectible and that all credit reporting be updated as disputed by consumer. 
XX/XX/year> XXXX XXXX mailed a validation letter including the disclaimer, XXXX XXXX is attempting to collect this debt and any information obtained will be used for that purpose. This violated the acknowledged C & D. 
XX/XX/year> I sent a Final Clarification Letter restating the violation and giving 15 days to confirm hardship/uncollectible status, cease collection references, and correct credit reporting. 
XX/XX/year> XXXX XXXX Mail # XXXX confirmed delivery to their XXXX XXXX XXXX XXXX GA XXXX. 
XX/XX/year> XXXX XXXX replied that my dispute was substantially similar to prior correspondence and that the matter was now closed, again including the same debt-collection disclaimer.

Violations/ Concerns : 1. FDCPA 805 ( c ) : Continuing collection-style communication after acknowledging a Cease & Desist.

2. FCRA 623 ( a ) ( 3 ) : Failure to mark the account as disputed by consumer.

3. FDCPA 807 & 813 : Misleading collection communications despite disability-based hardship and indigence documentation.

4. 42 U.S.C. 407 : Ignoring XXXX income protection and hardship classification.

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: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
On XX/XX/XXXX, and XX/XX/XXXX, XXXX credit card accounts were opened under the names JPMCB Card and JPMCB Card Services, reporting to XXXX XXXX and XXXX  Each account was later reported as a charge-off with balances of {$6300.00} and {$9500.00}, respectively. 

On or around XX/XX/XXXX, I initiated formal disputes with all three credit bureaus after noticing significant inaccuracies in the way these accounts were reported. Over the course of XXXX dispute rounds ( XXXX through XX/XX/XXXX ), I provided documentation and identified numerous reporting discrepancies, including : Conflicting creditor names ( JPMCB CARD vs. JPMCB CARD SERVICES ) Different charge-off and closure dates ( XX/XX/XXXX vs. XX/XX/XXXX ) Contradictory account statuses ( Charge-off, Closed, and Dispute Reinvestigation in Progress ) Inaccurate utilization percentages ( over 100 % ) reported on closed accounts Varying remarks and classification inconsistencies across bureaus Despite my repeated disputes and supporting documentation, these accounts remain inaccurately reported, demonstrating that the data furnisher and credit bureaus have failed to ensure the maximum possible accuracy required under FCRA 602 ( A ) and 607 ( B ). 

On XX/XX/XXXX, I issued formal deletion demands to XXXX XXXX XXXX and JPMCB Card Services under FCRA 611 ( a ) ( 5 ) ( A ), asserting that the information is now unverifiable by definition due to repeated inconsistent reporting. I also requested written confirmation of deletion within fifteen ( 15 ) days.

To date, the tradelines remain unchanged. The ongoing publication of these unverifiable charge-offs has negatively impacted my credit reputation, limited access to financing, and caused measurable financial and emotional distress. 

I am requesting the CFPBs assistance in ensuring that JPMCB Card Services and the credit bureaus comply with federal law by immediately deleting both inaccurate charge-off accounts from my consumer credit files and providing written confirmation of correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I am filing this complaint because Mr. Cooper continues to provide incorrect information about my mortgage account, misapply funds, and the CFPB has repeatedly closed my complaints without addressing the documented errors I submitted. 

From XXXX XXXX, Mr. Cooper began processing a loan modification and Trial Payment Plan that I did NOT move forward with. I called in XX/XX/XXXX and withdrew the application because I was working with the XXXX XXXX XXXX XXXX ( XXXX  ). This call is recorded. Despite this, Mr. Cooper continued issuing modification approvals/denials and coded my account as if a TPP existed.

XXXX approved and sent {$16000.00} to fully reinstate my loan from XX/XX/XXXX through XX/XX/XXXX. Funds were received XX/XX/XXXX and applied XX/XX/XXXX. Even after reinstatement, the payment history shows clear errors : duplicate XXXX payments ( {$1900.00} ), zero-dollar payments, unapplied funds, fee reversals, and principal reversals. The {$1000.00} escrow amount was wrongly applied to principal, reversed, and reapplied back to escrow. Several payments were applied to the wrong months and then reversed again. 

Mr. Coopers written responses claim everything was applied as intended, but the screenshots and statements I provided show the opposite. My documents clearly prove the errors, yet each time I ask for help, Mr. Cooper gives incorrect information and CFPB closes the case without reviewing the evidence. 

As of now, my XX/XX/XXXX payment shows {$1800.00}, which is incorrect. Before these issues, my payment was $ XXXX. A reinstatement and a denied modification should NOT result in an increased monthly payment. 

This is a repeated pattern since XXXX, when their mistakes caused an unwanted partial claim on my home. I am requesting a full independent review of all payments from XXXX XXXX XXXX correction of all misapplied XXXX funds, correction of the XXXX payment amount, removal of any fees, and confirmation that no TPP or modification is attached to my account.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

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: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TrueAccord Corp.
State: TX

Complaint narrative:
Third-party depth collection company reached out, saying I owe a debt that is not mine I was a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: Dave Operating, LLC
State: VA

Complaint narrative:
Date I was charged. ( XXXXXX/XX/year> ) Amounts : {$110.00}, {$110.00} & {$100.00} Checked with my bank about this to recover funds. Didn't work out and was informed to contact merchant and they claim that the funds were sent back. I never got the funds back because it would've reflected back onto my account which never did. I lost money here due to these unauthorized charges. They also told me to check with my bank about it which is what I went through firsthand as I saw these charges. It's not right. I could've used that money for expenses I had during the time and I still need it. This merchant took my money and claims to have sent it back. Scammers at it's finest.

Company response to consumer: Closed with explanation