vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-25 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-25 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: Spring Oaks Capital, LLC
State: SC

Complaint narrative:
Spring Oaks Capital updated an old collection account on my XXXX credit report. When I called to ask for the Original Date of First Delinquency ( DOFD ), the representative told me that the laws I referenced including the FCRA " do not apply '' to their company and she just follows they rules. This is false, misleading, and violates consumer protection laws. I did not receive proper validation of the debt, and I was not give the original DOFD from the original creditor ( world finance ), which furnishers are required to have before reporting anything. Details of the violation : - The spring oaks capital representative refused to provide the original DOFD. -She stated the laws I referenced " do not apply to their company, '' which is a violation of FDCPA 807 ( 2 ) ( A ) ( false representation of legal rights ) and 807 ( 10 ) ( deceptive means ). -She refused to answer why the account was updated on XX/XX/2025 making it appear new. -This appears to be re-aging of the debt or inaccurate reporting, which violates FCRA 623 ( a ) ( 1 ) and 623 ( a ) ( 5 ). - updating old negative information causes harm by lowing my credit score. -They would not confirm the original delinquency date or provide required validation. Their agent 's statement was deceptive, misleading, and intended to discourage me from exercising my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My paycheck was deposited into a checking account ending in XXXX. 
Last night I sent all of my money to my newly created pnc checking account ending in XXXX after visiting the PNC in XXXX, PA last night and receiving a debit card for my new account. 

My card was declined at a store with my XXXX XXXX XXXX and I was confused as I had the money. 

I was told PNC closed my account, although I was not told this last night. I can not access my entire balance, which is the only money I have, until I receive a paper check in XXXX to XXXX business days?!? 

I could have literally asked to have my money withdrawn last night if they would have told me the account would be closed. This is not okay,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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 Sir/Madam, I am writing to dispute the following entries on my Experian credit report. According to the Fair Credit Reporting Act ( FCRA ), all information reported on my credit file must be accurate. The following accounts need to be investigated and corrected or removed as they appear to be inaccurate or incomplete. 

Disputed Accounts : Charged Off Accounts : XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1600.00} Reason for Dispute : This account appears as " charged off '' with the balance stated above. I request that this entry be investigated for accuracy and corrected or removed if found to be incorrect. 

XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} Reason for Dispute : This account is inaccurately marked as " charged off. '' It is my belief that this entry does not reflect the accurate status of this account and needs to be corrected or removed. 

Inquiries : XXXX Date : XX/XX/XXXX Reason for Dispute : Please verify that this inquiry was authorized. If it was not, I request the removal of this inquiry from my credit report in accordance with the FCRA.

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 2025-11-25 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 am writing to dispute multiple inaccurate entries on my credit report. Please review the following discrepancies related to charged-off accounts, inquiries, and late payments : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX Balance : {$270.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX OF XXXX Date : XX/XX/XXXXXXXX XXXX XXXXXXXX NA Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXXXXXX XXXX Account Number : XXXX XXXXXXXX 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 2025-11-25 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: AL

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

Company 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 2025-11-25 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:
I am submitting a dispute for the following accounts that are currently reflected on my credit report. I request that these accounts be reviewed for accuracy and updated accordingly. 
XXXX Accounts : No accounts listed. 

Inquiries XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX Date : 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 2025-11-25 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: FL

Complaint narrative:
I am requesting a full reinvestigation of the items listed below on my TransUnion credit report. These accounts appear to be inaccurately reported and may not reflect my true credit history. Please remove any information that can not be verified according to FCRA guidelines. 

CHARGED-OFF ACCOUNTS ( TU ) 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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This record is not an accurate reflection of my financial conduct. Please investigate and update my report as needed.

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 2025-11-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i XXXX XXXX XXXX was a Victim of identity & fraud i ask for transunion to removed the debt as i disputed pursuant to 15 US CODE 1692c,15 US CODE 1692g,15 US CODE 1681 e ( b ) Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer reports no consent is fraud This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. They violated my rights as a consumer and are in a law XXXX XXXX failing to properly investigate my dispute!! the acoounts disputed are : XXXX XXXX XXXX Account # XXXX * * * * XXXX XXXX XXXX Account # XXXX * * XXXX  XXXX * * * *. And for identity verification purposes i do not wish to send any information or disclose any information pursuant to my personal information all on file is my current information. please retain from asking for more personal/private information. also to notify you that XXXX XXXX is a copywritten name and trade mark any person using my name and any derivations of such name is in violation of trademark laws please remove these thing from my credit with in XXXX business days thank you. Also ive been a victim of credit bureau data breach.

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 2025-11-25 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 dispute the reported charged off status of this account. This information does not accurately reflect my account history. I respectfully request that you investigate and ensure this account is reported correctly, in line with the guidelines of the Fair Credit Reporting Act ( FCRA ). 

CHARGED OFF Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} INQUIRIES : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: VA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain items on my TransUnion credit report. These items include inquiries and accounts that I believe are inaccurate or incorrectly listed. Below is the list of disputed items : Inquiries : XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-11-25 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 Sir/Madam, I am submitting this dispute in reference to the items on my credit report as listed below. I believe the information provided may be inaccurate or incomplete, and I respectfully request a review of the disputed items to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 

INQUIRIES REPRISE XXXX Date : XX/XX/year> LATE PAYMENT XXXX Account Number : XXXXXXXX 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 2025-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
Issue : Misrepresentation of biweekly payment program I was told and advertised that my mortgage could be paid on a biweekly schedule to reduce interest and accelerate payoff. After switching to biweekly payments through Mr. Cooper ( now powered by XXXX XXXX  ), I was informed that biweekly payments are not actually applied biweekly, and that funds are only credited after the full monthly amount has been received. 

This directly contradicts the biweekly structure they promoted. 

As a result, my payments sat in unapplied funds, earned no benefit, and did not reduce interest the way a true biweekly mortgage does. This is misleading and materially affects the cost of my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: GA

Complaint narrative:
Please review the supplied materials ; the requests arrived unexpectedly and may not be authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: NJ

Complaint narrative:
I am filing a complaint regarding a loan I received from XXXX  while residing in the state of New Jersey. The loan was issued with an APR of approximately 97 %. I believe this rate is excessively high and may violate New Jerseys consumer lending and usury laws, which generally prohibit extremely high interest rates for non-bank lenders.

At no point was I clearly informed that the APR would be this high or that the total cost of the loan would be so burdensome. The disclosures provided were confusing, and the terms were not adequately explained before I was approved. As a result, I have been placed under significant financial strain.

I am requesting that the CFPB review XXXX  lending practices as they relate to New Jersey borrowers and determine whether this loan was issued in compliance with applicable state laws. I am also seeking a review of my loan terms, including interest rate and fees, and any appropriate relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: NY

Complaint narrative:
I called XXXX XX/XX/year> after receiving a credit alert from XXXX XXXX XXXX XXXX. Someone had fraudulently tried to open a light stream account under my name and Social Security number. The representative said that they would close the account and remove the inquiry. I never received a letter stating this was done and it still appears on my credit report. I would like this inquiry remove removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am disputing the following items on my Experian credit report. The information appears to be inaccurate and/or unverifiable. I request that these items be fully investigated and removed if they can not be validated according to FCRA regulations. 

CHARGED-OFF ACCOUNTS ( EX ) 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

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 2025-11-25 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: GA

Complaint narrative:
Could you review this entry? It was done late and might have mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 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: CA

Complaint narrative:
I am writing to dispute inaccurate information appearing on my credit report under my name, XXXX XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am requesting a full investigation into the account listed below. The information is incorrect, incomplete, and unverified, and therefore must be removed if it can not be proven accurate. 



Item to Dispute : Creditor : XXXX  XXXX Account Number ( last XXXX ) : XXXX Reason for Dispute : Reporting wrong balance Information is unverified Data being reported is not accurate and not complete Because this account is reporting incorrect information and can not be verified as required by FCRA Sections 602, 607 ( b ), and 611, I request that it be deleted from my credit report. 



Requested Actions : XXXX. Conduct a full reinvestigation of the XXXX XXXX account ending in XXXX. 
XXXX. Remove the account from my credit file if XXXX XXXX can not provide complete, accurate, written verification. 
XXXX. Provide me with an updated copy of my corrected credit report. 
XXXX. Notify any furnishers of corrections or deletions. 

I have included a copy of my identification for verification purposes. 

Thank you for your timely cooperation. I expect a written response within XXXX  days as required by law. 

Sincerely, 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 2025-11-25 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Peer Advisors, LLC
State: CA

Complaint narrative:
This complaint is related to a reverse mortgage, serviced by XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FHA # XXXX, property @ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The mortgagee of this property XXXX XXXX XXXX passed away on XX/XX/XXXX. His spouse XXXX XXXX XXXX passed previously on XX/XX/XXXX. I am the eldest child for XXXX and was named the Independent Executor in his Last Will & Testament and have been court ordered ( XX/XX/XXXX ) in this position with all its duties and responsibilities. I have regularly updated XXXX since the passing of my father, providing all certificates and documents during inquires related to the necessary actions/obligations regarding the mortgage on said property. On XX/XX/XXXX I provided them the MLS # for the sale of said property. During the course of my dialogue ( since XX/XX/XXXX ) with XXXX  I have regularly and routinely requested the monthly mortgage statements ( last received was dated XX/XX/XXXX ) so that I can better prepare/understand/make necessary decisions with regard to the outcome of this property and how it relates to the Estate of XXXX XXXX XXXX. It is XX/XX/XXXX and I have NOT received any statements, only the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2025, I mistakenly sent {$1100.00} via XXXX to the wrong recipient through my account at Chase Bank. The payment was intended for XXXX XXXX for a lease payment, but due to a similar name, I accidentally sent it to XXXX XXXX, a previous college mate. 
I immediately realized the error and attempted to contact XXXX XXXX to request return of the funds. I reached out multiple times via SMS, XXXX, and phone calls. He did not respond to any of my messages or calls. As of XX/XX/2025, he has completely ignored all my attempts to communicate and has now blocked me. 
I contacted Chase Bank to report the mistaken transfer and request assistance recovering my funds. Chase Bank directed me to contact XXXX directly. I then contacted XXXX, but they informed me they could not help because I performed the transaction through Chase Bank. 
Chase Bank eventually contacted the recipient 's financial institution to request return of the funds. However, the recipient 's bank refused to return the money.

Company response to consumer: Closed with explanation