vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
I recently pulled my credit report and saw late-payment codes on my federal student-loan account with XXXX XXXX XXXX XXXX XXXX These entries show 60-day late payments on XX/XX/XXXX - XX/XX/XXXX, another one with XXXX XXXX XXXX XXXX These entries show 30-day late payments on XX/XX/XXXX, even though my loan was in an authorized deferment/forbearance or under a CARES-Act payment suspension at the time. Under Department of Education regulations, lenders can not report a payment as late during deferment or forbearance. The CFPB has also explained that if a borrower receives a COVID-19 accommodation, the servicer must report the account as current and can not show it as more delinquent. Reporting me as late violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Furnishers must not report information they know or have reason to believe is inaccurate. Credit bureaus must reinvestigate disputes and delete unverifiable or inaccurate information within 30days. Reporting my account as late during a deferment/CARES Act suspension misrepresents the legal status of the debt and violates FDCPA 807l. I sent certified dispute letters to Equifax, Experian, Transunion demanding deletion, but they either failed to respond or verified the late payments without providing documentation.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently pulled my credit report and saw late-payment codes on my federal student-loan account with XXXX XXXX XXXX XXXX XXXX These entries show 60-day late payments on XX/XX/XXXX - XX/XX/XXXX, another one with XXXX XXXX XXXX XXXX These entries show 30-day late payments on XX/XX/XXXX, even though my loan was in an authorized deferment/forbearance or under a CARES-Act payment suspension at the time. Under Department of Education regulations, lenders can not report a payment as late during deferment or forbearance. The CFPB has also explained that if a borrower receives a COVID-19 accommodation, the servicer must report the account as current and can not show it as more delinquent. Reporting me as late violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Furnishers must not report information they know or have reason to believe is inaccurate. Credit bureaus must reinvestigate disputes and delete unverifiable or inaccurate information within 30days. Reporting my account as late during a deferment/CARES Act suspension misrepresents the legal status of the debt and violates FDCPA 807l. I sent certified dispute letters to Equifax, Experian, Transunion demanding deletion, but they either failed to respond or verified the late payments without providing documentation.

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 2025-10-23 00:00:00
Product: Credit card — Store credit 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: SYNCHRONY FINANCIAL
State: NM

Complaint narrative:
On XX/XX/year> I went in to XXXX XXXX XXXX in XXXX XXXX New Mexico to make payment via check in person. Check got stuck in machine but a receipt was printed so payment was credited. Then a few days later on XX/XX/year> the payment was pulled again from same check being ran twice and you can see proof on attached highlighted bank statement. 

XXXXXXXX XXXX XXXX pulled XXXX payments totaling {$8000.00}. After I noticed this I disputed XXXX of the payments with my bank and received credit for {$4000.00}. However then XXXXXXXX XXXX XXXX  debited me another {$4000.00} on XX/XX/year>. So they are stating I never made a payment in XXXX but I have proof I did. 


My balance should reflect a credit of {$4000.00} payment made in person via check on 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 2025-10-23 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:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as requested by federal law. 
XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-23 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: WA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian acknowledged potential fraud on XX/XX/XXXX, but failed to delete the fraudulent accounts within the 4-business-day timeframe required by FCRA 605B. It has now been over five months with no resolution, violating 15 U.S.C. 1681c-2 and causing ongoing harm. I also followed up by calling Experian and filing additional complaints because Experian faile to delete the XXXX accounts that were identified as fraudulent accounts on XX/XX/XXXX consumer filed another complaint XXXX referencing CFPB # XXXX, CFPB XXXX on complaint # XXXX Experian responded stating ( Potential fraud STATUS Company responded there may be potential fraud involved on XX/XX/XXXX ) as of XX/XX/XXXX the account still havent been deleted

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 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
My personal checking account was frozen without warning and is being closed without my consent. I was informed that I can not withdraw any funds, my debit card has been XXXX, and I must wait 710 business days to receive a refund check. No specific reason was provided other than risk or compliance. I was never contacted before the freeze or given an opportunity to address any concerns. When I reached out to the bank, they refused to provide a clear reason or documentation explaining the closure, despite multiple requests. I was only told that I must wait 710 days for a paper check of my own balance, effectively holding my personal funds XXXX. This action has caused financial hardship and disrupted my ability to pay bills and care for my child. I am seeking regulatory review and any enforcement or corrective action appropriate under federal and state banking laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
RE : Formal Notice of Inaccurate and Incomplete Information Violation of 15 U.S.C. 1681 ( FCRA ) -- - To Whom It May Concern, This letter serves as formal notice under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, 1681i, and 1681s-2 that your company, LVNV Funding LLC , is reporting inaccurate and incomplete information on my consumer credit reports.

Upon review of my credit file, I have identified false, inconsistent, and unverifiable information being reported regarding this account, including but not limited to : 1. Missing and inaccurate payment history being displayed on XXXX, 2. No payment history reported at all on XXXX, and 3. Overall discrepancies between bureaus that can not be verified through documentation.

Under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), you are prohibited from furnishing information known or believed to be inaccurate. Additionally, under 15 U.S.C. 1681i ( a ), you are required to investigate and correct any unverifiable information within 30 days. 

Therefore, I am requesting an immediate reinvestigation and verification of all data reported to each credit bureau. If your company can not provide full documentation verifying the accuracy, payment history, and original creditor details within the allowed time frame, you must delete this account entirely from all consumer reporting agencies as required by federal law. 

Failure to comply will result in a formal complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Federal Bureau of Investigation ( FBI ) for willful noncompliance and possible identity-related violations. 

Please send all verification records and documentation supporting your reporting directly to my address listed above. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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: NC

Complaint narrative:
I recently pulled my credit report and saw late-payment codes on my federal student-loan account with XXXX XXXX XXXX XXXX XXXX These entries show 60-day late payments on XX/XX/XXXX - XX/XX/XXXX, another one with XXXX XXXX XXXX XXXX These entries show 30-day late payments on XX/XX/XXXX, even though my loan was in an authorized deferment/forbearance or under a CARES-Act payment suspension at the time. Under Department of Education regulations, lenders can not report a payment as late during deferment or forbearance. The CFPB has also explained that if a borrower receives a COVID-19 accommodation, the servicer must report the account as current and can not show it as more delinquent. Reporting me as late violates the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Furnishers must not report information they know or have reason to believe is inaccurate. Credit bureaus must reinvestigate disputes and delete unverifiable or inaccurate information within 30days. Reporting my account as late during a deferment/CARES Act suspension misrepresents the legal status of the debt and violates FDCPA 807l. I sent certified dispute letters to Equifax, Experian, Transunion demanding deletion, but they either failed to respond or verified the late payments without providing documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX in the XXXX, and unfortunately due to the government shutdown, service members will not be getting paid. I called the mortgage company on multiple occasions explaining my situation and trying to see if the company offers solutions to the situation. Ive been told multiple times by the managers from village capital and investment llc ; were here to only give assistance to customers who are only behind, not to protect service members because theyre not getting paid during the government shutdown, and what need to do is ask family members or friends and even reach out to see if I can assistance elsewhere. Until then, this company can not do anything for service members and theyre sorry that the service members arent getting paid. Its not their problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Despite repeated attempts to resolve these matters, Transunion continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-10-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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

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 2025-10-23 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: VA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX 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 2025-10-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Subject : Urgent Complaint Unresolved Pension Payment for My Late XXXX Dear JPMorgan Chase XXXX and Pension Services, I am writing out of deep frustration and disappointment regarding the unresolved pension payment owed to my late mother. She received a letter in XX/XX/year>, shortly before her passing, confirming she was owed approximately {$20000.00} from her WaMXXXX  pension account. 

Since then, my family has submitted every document requested, including multiple copies of her death certificate and supporting estate documentation. Despite doing everything your team has asked, we have heard absolutely nothing back. 

For over a year, we have been calling repeatedly, only to be told to wait two more days or that someone will call back. Those callbacks never happen. The lack of accountability, compassion, or basic communication from Chase has been callous and unacceptable. 

We are simply trying to close her probate and pay her outstanding billsyet your continued inaction has prolonged this painful process for our family. This situation is not just unprofessional ; it is inhumane to treat a grieving family this way. 

I am demanding immediate contact from a supervisor or case manager who can resolve this without further delay. Please escalate this matter and provide a written update on the status of the funds owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-23 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-23 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 continued concern regarding the unresolved disputed accounts on my credit report. I have raised these inaccuracies multiple times and have repeatedly requested a thorough investigation, yet no resolution or corrective action has been taken. These erroneous accounts are significantly harming my credit profile and creating serious obstacles in my day-to-day life. The ongoing impact has caused considerable hardship, and I am now urgently requesting your assistance to address this matter. Please conduct a comprehensive investigation into each of the disputed accounts and take all necessary steps to correct and update my credit report without further delay. Restoring the accuracy of my credit file is critical to regaining control of my financial well-being. I respectfully urge you to prioritize this issue and take swift action. Your prompt cooperation and support would be deeply appreciated. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief