vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX XXXX  ( Account # XXXX ) which appears on my credit report as a closed and charged-off account with 19 months of negative reporting. This account is being reported with major inaccuracies and in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : The balance reported is {$830.00}, which exceeds the credit limit of {$600.00}. This overlimit reporting on a closed/charged-off account is both inaccurate and misleading. 
The account continues to show months of late payments after it was already charged off, which is a known violation of FCRA guidelines and unfair reporting practices. 
The payment history is inconsistentshowing gaps with no payment data while still assigning negative statuses. There are months with no reported activity marked as derogatory. 
There is no monthly payment listed for this revolving credit card account, yet it continues to report a past due balance. 
The same account is being reported under inconsistent names such as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' which creates confusion and the appearance of duplicate derogatory entries. If this is the case across credit bureaus, this is a violation of 15 U.S.C. 1681i and 1681s-2. 
There is no indication that the debt was validated as required by the FCRA and FDCPA, especially considering the inconsistencies in the data reported. 
I have attempted to dispute this information, and it remains inaccurately reported across the credit bureaus. I am demanding immediate deletion of this account from all consumer reporting agencies ( Experian, TransUnion, and Equifax ) due to inaccurate, misleading, and unverifiable reporting that is damaging my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: PA

Complaint narrative:
I am submitting this complaint regarding an account reported by XXXX XXXX XXXX  ( Account # XXXX ) which appears on my credit report as a closed and charged-off account with 19 months of negative reporting. This account is being reported with major inaccuracies and in violation of the Fair Credit Reporting Act ( FCRA ), including but not limited to : The balance reported is {$830.00}, which exceeds the credit limit of {$600.00}. This overlimit reporting on a closed/charged-off account is both inaccurate and misleading. 
The account continues to show months of late payments after it was already charged off, which is a known violation of FCRA guidelines and unfair reporting practices. 
The payment history is inconsistentshowing gaps with no payment data while still assigning negative statuses. There are months with no reported activity marked as derogatory. 
There is no monthly payment listed for this revolving credit card account, yet it continues to report a past due balance. 
The same account is being reported under inconsistent names such as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' which creates confusion and the appearance of duplicate derogatory entries. If this is the case across credit bureaus, this is a violation of 15 U.S.C. 1681i and 1681s-2. 
There is no indication that the debt was validated as required by the FCRA and FDCPA, especially considering the inconsistencies in the data reported. 
I have attempted to dispute this information, and it remains inaccurately reported across the credit bureaus. I am demanding immediate deletion of this account from all consumer reporting agencies ( Experian, TransUnion, and Equifax ) due to inaccurate, misleading, and unverifiable reporting that is damaging my creditworthiness.

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 2025-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In review of my credit profile I came across quite a few inquiries that are not mine.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I am submitting this complaint because I am currently unable to open a new bank account due to multiple previous accounts that were closed with a negative balance. These accounts are being reported to consumer reporting agencies like XXXX and/or XXXX XXXX XXXX by the following bank : Navy Federal Credit Union While I acknowledge that some of these accounts may have had negative balances, I was not properly informed of the closures or final balances owed in several cases. I was also not provided a clear breakdown of the charges or adequate opportunity to resolve the issues before the accounts were closed and reported. 

These unresolved or unverified reports are now preventing me from opening any new checking or savings accounts, which is severely impacting my ability to manage money, receive direct deposits, and pay bills. 

I am requesting that a full investigation be conducted into the accuracy and validity of these reports. I also request that I be provided with any documentation that proves the final amounts owed, transaction history, and communication regarding the account closures. 

If these debts can not be verified or if the reporting banks can not provide proper documentation, I respectfully ask that the negative reports be removed from my consumer file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Back in XXXX of XXXX I have submitted a small claims court documents to Global Lending Service. We had a remote court date for XX/XX/year>. Meanwhile I tried to reach out to Global Lending to have the issue resolved, I have sent emails to XXXX numerous times but I never received a response and they never came to court. I have a XXXX time XXXX  day late on my credit reporting from Global Lending because I was under medically XXXX  XXXX  and I was not able to make the payment on time. I have always been on time, and I take my finances very seriously. But I was under medically XXXXXXXX XXXX XXXX XXXX XXXX XXXX. I kindly was asking as good faith to remove the XXXX time XXXX  day reporting from my credit report its effecting my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
In XXXX of XXXX I was working with the XXXX XXXX XXXX and filed documents with my counselor to Rushmore Servicing in regards to a new program called the Payment Supplement Plan, issued by XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. It's a program designed to keep owner occupant of a single family home from going into foreclosure. On numerous occasions, Rushmore Servicing verbally said with both of us present that my loan is not a FHA insured mortgage. Rushmore Servicing also told us that we had to wait until after XX/XX/XXXX to file for this program. Come to find out that the Payment Supplement program ended on XX/XX/XXXX. Once again, Rushmore Servicing blatantly lied to me and I could not apply for this program. 
Recently I found out that FHA extended this program, dated XX/XX/XXXX " Loss Mitigation Options to Assist Homeowners at Risk of Foreclosure Keep Their Homes '' until XX/XX/XXXX. When I applied again on XX/XX/XXXX with Rushmore Servicing they once again said that I do not qualify for this program. 
I have all the documents that support the qualifications for this program and would like to know why Rushmore Servicing is discriminating against me. 
Please, I work full time and do not want to become homeless. 
I also have proof during XXXX that I made all of my monthly mortgage payments but was still denied help from Rushmore Servicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX Account To Whom It XXXX Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Demands : 1. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute & Validation Demand XXXX Account To Whom It XXXX Concern : Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) and Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I formally dispute the following account in its entirety and demand strict procedural compliance : Disputed Account : Creditor : XXXX Account # : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Legal Demands : 1. Complete Verification requiring direct confirmation from the original creditor with full chain of title documentation 2. Immediate Suppression of the disputed item pending investigation XXXX. Detailed Methodologies Report explaining how your agency validated this information Notice : This dispute constitutes a continuing objection to all future reporting of this account Any failure to conduct a reasonable investigation will result in escalation to the CFPB and state regulators I reserve all rights under FCRA XXXX regarding willful or negligent non-compliance Required Actions : 1. Conduct investigation within 30 days as mandated by law 2. Provide written response with : o Verification documentation o Investigator 's name/credentials o Detailed correction procedures 3. Issue updated reports to all recent recipients Legal Notice : This communication serves as evidence that I have exercised my statutory rights in good faith. Any negative determinations must include the specific factual and legal basis for such conclusion. 
Sincerely, BY : XXXX, XXXX XXXX FOR : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I respectfully bring to your attention a serious matter that requires immediate resolution. Several companies have accessed my credit report without my authorization, which has directly impacted both my credit and credit score. These unauthorized, and possibly fraudulent, inquiries raise valid concerns about identity theft and are causing me considerable stress and ongoing harm. I urge you to take this issue seriously and ensure it is resolved without further delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in to be removed. b They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-04-09 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: TX

Complaint narrative:
My account with XXXX XXXX AND XXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 
I demand the late payment reported in to be removed. b They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX, XXXX, AND XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2025-04-09 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:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/year> Experian XXXX XXXX XXXX XX/XX/year> Experian

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 2025-04-09 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: NC

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CO

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the **late payment history** being reported on my **JPMCB Card Services** account ( Account # : XXXX ), as reflected on my credit reports with XXXX, XXXX, and XXXX. 

I want to be clear that this is a **legitimate account that I currently maintain in good standing**, and I am **not requesting removal** of the tradeline. However, I respectfully dispute the accuracy of the late payment reporting, which I believe may be in error or not reflective of my true payment behavior.

I am requesting a correction to reflect : - **On-time payment history**, or - An update to **Paid as Agreed or Current** status Under the Fair Credit Reporting Act ( FCRA ), I am entitled to **accurate and complete reporting** : - 611 ( a ) : Right to dispute incomplete or inaccurate information - 607 ( b ) : Requirement to follow reasonable procedures for maximum possible accuracy Additionally, I request that you provide documentation confirming : - The **method and source used to verify the late payment ( s ) ** - The **dates and billing statements** used to validate the reported delinquencies - A copy of any reinvestigation results or correspondence with the data furnisher I take pride in maintaining responsible credit behavior, and I value my ongoing relationship with JPMCB. If this is a matter of internal error or technical misreporting, I would appreciate the opportunity to have this corrected immediately. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.

Company response to consumer: Closed with non-monetary relief