vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian and XXXX  has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and XXXX  has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and XXXX  inaction violates federal law and my rights as a consumer.

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 2025-08-13 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established. 

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years. 

15 U.S.C 1681s-2 ( a ) ( 1 ) 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. 

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) 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. 

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX, XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
See previous complaint I submitted. Nationstar Mortgage LLC/Mr Cooper did not pay my home insurance from my escrow, which resulted in my home insurance policy being canceled for nonpayment. It was not paid for months before I was notified. When I was notified, I instantly reinstated my insurance and worked with Nationstar Mortgage LLC/Mr Cooper to get it paid in the future. Nationstar Mortgage LLC/Mr Cooper sent me automated letters saying that I could be charged {$990.00} for the lapse of coverage, but the escalation employee informed me that I would not be charged that amount and that I didn't need to worry since it was their fault that my policy was canceled. I was just charged this {$990.00} anyway though. This is extremely dishonest since the whole reason I didn't have coverage was because Nationstar Mortgage LLC/Mr Cooper didn't pay the bills they were supposed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
To Whom It May Concern : I am writing to formally notify you that I am the victim of identity theft, and to request the immediate blocking of fraudulent information appearing in my credit report maintained by TransUnion, as required under the Fair Credit Reporting Act ( FCRA ), Section 605B [ 15 U.S.C. 1681c-2 ].

The following accounts were fraudulently opened and do not belong to me : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Dispute Date Opened XX/XX/XXXX Date Closed XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
b'I am trying to create an online account with Experian. The initial steps involved providing last 4 digits of my SSN and phone number. In the next step, I was asked to provide an email ID and password, which I did. I was unable to proceed beyond this step because the system was apparently unable to verify identity. When I tried again, the system complained that it had entered an unrecoverable error state. Both times, it asked me to contact support at XXXX XXXX XXXX contacted the support number, which was essentially an automated system that asked for my SSN and ZIP code for identity verification. When I prompted that I had issues creating an account, the automated system stated that it cannot complete the process on the phone and directed me back to their website, experian.com, which in turn again prompted me to contact their support number, essentially placing me in an infinite loop.\n\nThe only way to reach a human on the support number if to file a dispute. I did so solely to get hold of a human agent. When I finally was able to talk to a live agent, I explained my issue with account creation, for which he again directed me to XXXX XXXX XXXX, which was not helpful at all. His only other recommendation was to send them a mail, which I am not at all confident it will help.\n\nWith the kind of resources Experian has, I am extremely disappointed with the level of incompetence exhibited. My hope is that this complaint prompts them to do what is necessary to resolve my issue.'

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 2025-08-13 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: EQUIFAX, INC.
State: KS

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: NC

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 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 2025-08-13 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: IL

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Experian. I previously submitted a written dispute on XX/XX/2025, which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over XXXX weeks, and I have received no response or resolution from the bureau.

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 2025-08-13 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: NY

Complaint narrative:
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, has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
The reported bankruptcy case listed has been dismissed on XX/XX/year>, meaning no discharge was granted and no debt relief occurred. Reporting a dismissed or closed bankruptcy without clear context is misleading, inaccurate, and fails to reflect the true legal outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Below is the letter I sent to change before without any response to calls or this letter. 

I am escalating my travel benefits claim for my XXXXXXXX XXXX XXXX XXXX XXXX Card ( Claim XXXX ). After my XXXX  flight was delayed on XX/XX/XXXX, I rebooked with XXXX and secured a hotel based on repeated assurances from a Chase Benefits representative ( XX/XX/XXXXXXXX XXXX XXXX call, approx. XXXX minutes ) that both would be covered under my benefits. 

My claim was later denied for these expenses, and Chase has refused to accept responsibility for providing this incorrect information. On XX/XX/XXXX, I spoke with supervisor XXXX, who promised the case and call recording would be reviewed within XXXX  days. Over XXXX weeks later, I have had no resolution. Each time I call, I am told XXXX is busy or out of office and promised a follow-up that never occurs. 

Over the last XXXX months, I have called countless times, been transferred repeatedly without help, and told I would hear back in XXXX  days, but I never do. The issue is simple : I relied on incorrect guidance from your representative when rebooking my flight and hotel, yet Chase denied my claim and repeatedly denies accountability for the original misinformation. 

I am requesting : Immediate escalation and resolution based on the misrepresentation. 
A firm timeline for when the call recording will be reviewed. 
Written confirmation that this issue is being prioritized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This Complaint is Against ICS Sytems Collection on XXXX 2025 ICS posted a Collections account Namely from XXXX XXXX in the Amount of a Alleged {$910.00} they was listed on the consumers credit report with XXXX  on XX/XX/year>2025 In Violation of the Fair Credit reporting act the consumer received no notice and letter for the alleged Credit Collitons agency ICS with in the 5 Day person of the erroneous post they made to my Credit report today is XX/XX/year>2025 No letter at all from ICS I only learned of there Fraudulent listed in my credit report as a result of XXXX which altered me of the Illicit actions to the ICS System Collections. I contacted XXXX XXXX directly and they stated that the old account is not in Collections and they have no ideal why the Alleged ICS is making such statements and attempting to Collect XXXX I have no written agreement with ICS System Communication on contract and or any implied agreement. 

I explain this to the original Creditor and they State no that is no there collections not do they have anything to do with ICS system Collections on XXXX/XXXX/2025 Consumer and XXXX  has a concerning this matter and the amount ICS alleges is Fraudulent and now the Consumer considers it Criminal on the Part of ICS

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 2025-08-13 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX, a debt buyer for XXXX XXXX XXXX, is inaccurately reporting my account. The account was removed from my credit report but reappeared under XXXX XXXX on XX/XX/XXXX. It shows a past-due balance of {$2400.00} as of XX/XX/XXXX, with status last updated XX/XX/XXXX and balance updated XX/XX/XXXX. It is reported monthly with a XXXX  and notes, completed investigation of FCRA dispute consumer disagrees. 
This repeated, inaccurate reporting is misleading, harms my credit, and violates the Fair Credit Reporting Act ( FCRA ). I request CFPB investigate, correct or remove this misinformation, and ensure XXXX XXXX XXXX ceases misleading reporting. Immediate action is necessary to prevent ongoing credit damage and enforce federal reporting compliance.

Account Info : Original Creditor : XXXX XXXX XXXX. 
Debt Buyer XXXX XXXX XXXX XXXX Reopened : XX/XX/XXXX Past-Due Balance : {$2400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX, a debt buyer for XXXX XXXX XXXX, is inaccurately reporting my account. The account was removed from my credit report but reappeared under XXXX XXXX on XX/XX/XXXX. It shows a past-due balance of {$2400.00} as of XX/XX/XXXX, with status last updated XX/XX/XXXX and balance updated XX/XX/XXXX. It is reported monthly with a XXXX and notes, completed investigation of FCRA dispute consumer disagrees. 
This repeated, inaccurate reporting is misleading, harms my credit, and violates the Fair Credit Reporting Act ( FCRA ). I request CFPB investigate, correct or remove this misinformation, and ensure XXXX XXXX XXXX ceases misleading reporting. Immediate action is necessary to prevent ongoing credit damage and enforce federal reporting compliance.

Account Info : Original Creditor : XXXX XXXX XXXX. 
Debt Buyer : XXXX XXXX XXXX Reopened : XX/XX/XXXX Past-Due Balance : {$2400.00}

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 2025-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The presence of this late payment is misleading and inconsistent with my long-standing payment record. I request its removal upon investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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 2025-08-13 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Please consider removing this late payment from my account, as my history proves I am a timely and dependable payer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

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