vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-12 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: NC

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 2025-11-12 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding inaccurate information on my credit report. Please find below the details of the accounts I am disputing, separated by credit bureau. 

CHARGED OFF XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Discrepancy in reporting. 

XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$190.00} Issue : Discrepancy in reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$2500.00} Issue : Discrepancy in reporting. 

XXXX XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$630.00} Issue : Discrepancy in reporting. 

XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$800.00} Issue : Inaccurate reporting of balance.

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 2025-11-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Harris & Harris, Ltd.
State: VA

Complaint narrative:
I am filing this complaint because Harris & Harris Ltd. collected a debt from me without providing proper validation or proof that they are legally authorized to collect on behalf of the original creditor.

I paid the collection balance in good faith ; however after payment, I requested that Harris & Harris provide verification of the debt, including documentation showing a signed contract between myself and their company. 

To date, Harris & Harris has not provided any verification of a signed contract including a wet signature between myself and their company supporting their claim. This violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), as they are continuing to report or have reported information on my credit report that can not be substantiated.

I am requesting this debt be fully validated by providing proof of a signed contract between myself and Harris & Harris. If Harris & Harris can not provide such documentation, the collection account needs to be permanently deleted from all credit reports and any related negative information removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX On my credit report the above mentioned addresses are listed. These addresses are not mine and don't belong to me kindly delete and remove these addresses from my credit report immediately.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX On my credit report the above mentioned addresses are listed. These addresses are not mine and don't belong to me kindly delete and remove these addresses from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: FL

Complaint narrative:
I am an individual consumer working to rebuild my credit. I have reviewed my credit reports and found several accounts and inquiries that appear inaccurate, incomplete, or incorrectly reported. I am filing this complaint so that the Consumer Financial Protection Bureau can assist in having these issues investigated by the credit reporting agencies under the Fair Credit Reporting Act ( FCRA ). 
Charged Off Accounts XXXX, Account # : XXXX Reported XX/XX/XXXX, Balance : {$340.00} XXXX XXXX XXXX XXXX Account # : XXXX Reported XX/XX/XXXX, Balance : {$8300.00} XXXX, Account # : XXXX Reported XX/XX/XXXX, Balance : {$800.00} Issue : Some of these charged-off accounts appear to be outdated or reported with inconsistent information. The XXXX account may be past the allowable seven-year reporting period under the FCRA. The XXXX XXXX XXXX account is new and I have not received validation of this debt or proof that it belongs to me. I request that Equifax verify each account with proper documentation and remove any unverifiable, outdated, or inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: GA

Complaint narrative:
Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681c2 ( Section 605B ), I am formally demanding the immediate removal, deletion, and blocking of the fraudulent accounts and inquiries listed on my credit report. This request is submitted under the protection of federal law due to verified identity theft and exposure of my personal information during the Equifax data breach, which significantly compromises the accuracy and integrity of the data being reported. Under Section 605B, the credit reporting agency is legally obligated to block and remove this information within four ( 4 ) business days upon receipt of a valid identity theft report. Failure to comply constitutes a direct violation of the FCRA and subjects your agency to regulatory consequences and potential legal action. This is a final and urgent demand for compliance. Please confirm the removal in writing and issue updated copies of my credit report reflecting these changes. Thank you for your prompt attention to this matter. 

FRAUDULENT ACCOUNTS TO BE BLOCKED IMMEDIATELY : XXXX - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX- I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX XXXX XXXX I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report XXXX XXXX XXXX  - I am requesting the immediate removal of fraudulent accounts and inquiries resulting from identity theft and the Equifax data breach. These items are inaccurate and must be deleted from my credit report. Please remove this from my credit report

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 2025-11-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
Incorrect PHH Mortgage late payments : I have always paid my mortgage on time by check. PHH is reporting late payments that are inaccurate. XXXX  assured me in XXXX and XXXX that these late payments would not report due to corrections, yet the errors remain despite my letters and disputes. Loan number is reporting incorrect on all credit reports I could not verify loan number. Payment amount and amount owed reflects different on statement then on credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/XXXX I pulled my credit report from XXXX XXXX Transunion has a name of XXXX XXXX XXXX listed for me as an also known as. I have never gone by or used than name. I was previously XXXX XXXX by marriage but that was last in XXXX. 
This violates FCRA 607 ( b ), 15 U.S.C. 1681e ( b ), which mandates maximum possible accuracy.

Under 611 ( a ), this entry must be 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 non-monetary relief
Consumer complaint received 2025-11-12 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: NC

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 2025-11-12 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
Over the past several months, I have made my monthly auto loan payments to Chase Auto on or before the due date. Most months, the payment processes normally on the XXXX. However, on several occasions the payment has not processed at all, even though I submitted it the same way I always do. When this happens, the account shows past due, which disrupts my finances and causes unnecessary stress. I then have to resubmit the payment manually. 

I contacted Chase to resolve the issue, but the phone number for customer service was difficult to locate, and the automated phone system repeatedly routed me through menus before allowing me to reach a representative. The system also required me to enter sensitive information, but the representative asked for the same information again, indicating that the system does not relay the data. When I finally reached a representative, I was unable to get clear answers about why my payments were not processing on certain months or how Chase plans to prevent this from happening again. 

I am requesting that Chase investigate why my payments are intermittently not processing, correct any negative marks or past-due notations caused by these processing failures, and ensure that my payments are credited consistently going forward. I also request confirmation that all fees or penalties that resulted from these issues be reviewed and removed if they were caused by Chases payment system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NC

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-11-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
We would like to inform you that XXXX has attempted to reach out to U.S. Bank regarding your dispute ; however, we have not received any response from their end. 

As the issuing bank in this matter, U.S. Bank holds the final authority to review and act on your dispute. To expedite the resolution, we recommend that you raise a complaint directly with the Consumer Financial Protection Bureau ( CFPB ) against U.S. Bank. Submitting a complaint through the CFPB platform often helps in getting a faster and more direct response from the bank. 

We understand this situation has been inconvenient, and we truly appreciate your patience and understanding. Please be assured that we have made every effort from our end to facilitate communication. 

Kind regards

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 2025-11-12 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: TX

Complaint narrative:
I submitted complaint number XXXX to the CFPB which in turn sent it to EQUIFAX . EQUIFAX took more that thirty days to write back and continue to report inaccurate information. They are continuing to report the same account with inaccurate information and continue to violate my consumer rights which are protected. EQUIFAX has responded that this account has been updated. 
CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The updated report is still inaccurate and is still in violation of the following : 1. Inaccurate Reporting 15 U.S.C. 1681s-2 ( a ) & ( b ) Creditors, collection agencies, or other furnishers of information must ensure that any information they report to a credit bureau is accurate. They are prohibited from knowingly or negligently reporting false, incomplete, or outdated information. 
Key protections : 1681s-2 ( a ) ( 1 ) ( A ) : Prohibits furnishers from reporting information they know or have reasonable cause to believe is inaccurate.

1681s-2 ( b ) : Requires furnishers to investigate consumer disputes, correct inaccuracies, and report results to credit bureaus.

2. Re-Aging of Accounts 15 U.S.C. 1681c ( a ) ( 4 ) & 1681c ( c ) ( 1 ) Re-aging occurs when a creditor or collector unlawfully changes the 'Date of First Delinquency ' ( DOFD ) to make a negative account appear newer. The FCRA prohibits this practice and limits how long negative information can remain on a report. 
Key protections : 1681c ( a ) ( 4 ) : Negative information ( collections, charge-offs ) can not be reported after 7 years from the date of first delinquency.

1681c ( c ) ( 1 ) : The 7-year reporting period must begin from the actual delinquency datenot when the account was sold, transferred, or re-aged.

3. Enforcement & Consumer Remedies Consumers have the right to dispute inaccurate information with the credit reporting agencies under 1681i. Once a dispute is filed, the bureau must reinvestigate within 30 days. If the inaccuracy is not corrected, consumers may take legal action : 1681n Willful noncompliance : Allows recovery of damages, attorneys fees, and costs. 
1681o Negligent noncompliance : Allows recovery of actual damages and costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
A few weeks after my mother 's passing ( on XX/XX/year> ) I was going through her bills and found an invoice for approximately {$50.00} from a citizens Bank card. This was a bit strange because I don't recall my mom mentioning that card, and I did not know her to carry many credit cards. I called citizen 's soon after to inform them of her passing, offered to pay the balance, and was told I was not liable and did not have to. 

In XXXX, following the completion of the 90-day creditor notification period, a claim was submitted by XXXXXXXX XXXX  on behalf of citizens for an amount of {$200.00}. While I do not have access to all of the invoices, I do have an invoice dated XX/XX/XXXX showing the account had been closed by that time and the late fee of {$29.00} was charged on XX/XX/XXXX. 

As I understand XXXX works with Citizens I called XXXX shortly after, in the month of XXXX, to discuss what seemed a discrepancy. I was told that they would not discussed any details regarding the balance but would mail information regarding the charges, however no mail was received either at my mother 's house or my address from XXXX or citizens listing the charges that led up to that balance. 

I have since spoken with the gatestone team at Citizens and Citizen 's recovery office, submitted the court order naming me personal representative for the estate, However, I have still not been able to get even a verbal list of the transactions. I was informed the account was closed on XX/XX/year>, which was the day after a late fee of {$29.00} was charged. During my last call with the recovery department at Citizens I was told that the situation was under review and it could take anywhere between 30 to 90 days to resolve.

As the claim was submitted after the 90-day period was complete I am able to request it be barred, however the fee to have my attorney do so is more than the balance being requested. As this creates a hold on the probate process, it appears to incentivoze paying the balance in order to avoid further delay despite the knowledge that the fees accrued appear to be inappropriate. 

I am curious as to whether this is something that others experience and I'm requesting assistance in this matter.

Company response to consumer: Closed with monetary relief