vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-28 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: MN

Complaint narrative:
XXXX XXXX  maintains three defaulted credit cards on my personal credit report. They claim on my credit report with each credit reporting agency, Experian, Trans Union, and Equifax respectively that each of these defaulted credit card balanced has been sold to a third-party debt-buyer. However, the legal protocol on the transfer of debt is as follows : A Bill of Sale on every debt transfer must be an individual action. The Bill of Sale must have a true-copy original signatures of principals of the procuring financial institution.

Upon sale of any asset, the original file can be purged as the originality has if properly done the asset of the debt-buying entity. 
The debt-buyer must have proper licensing with the XXXX XXXX  XXXX XXXX XXXX 
The debt-buyer must be properly bonded with the national licensing entity, and in most cases maintain a separate license within each state where they have obtained debt purchases. This may also pertain to bonding on a state-by-state basis also. 
The responsible party that obtained the benefit of extended credit from the procuring financial institution, must prove legal transfer to the consumer by send a letter of transfer, the third-party the purchased the debt, and a copy of the original Bill of Sale to the third-party purchaser. 
XXXX XXXX  has shown XXXX proof of any legitimate transfer of assets they originally procured to my benefit. All that was done was an illegal transfer of my personal information to a third-party. This action is illegal without the protocol completed. 
Accordingly, each tradeline still maintained on all credit reporting agencies must be voided immediately and permanently. 
I bring these violations to all credit reporting agencies to prove that violations were made against the subscriber agreement this financial institution has with Experian, Equifax, and Trans Union. 
ALL TRADELINES MUST BE DELETED FROM MY CREDIT REPORTS NOW!!!

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 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have submitted a complaint against Chase a few weeks ago, I also filed another complaint against Chase a few days ago and it was deemed the same complaint. These are not the same transactions as the original complaint or claim through Chase. these transactions were missed by the Chase claim rep.

This complaint is not connected to the previous complaint, I contacted Chase about fraudulent transactions on my account in 2024, the claim rep did not include all of the transactions in the claim. they denied the claim in 2024 because there were transactions that were not included in the original claim and they deemed it no to be fraud because they saw the other transactions that were not included in the original claim that the claim rep missed in the original claim.

these transactions are not included in the original complaint that I submitted a few weeks ago, they are the transactions that Chase missed. I tried to contact Chase to get this fixed and they told me that they can not reopen the claim. I am filing another complaint to include the transactions that were not included in the original complaint no the original claim through Chase.

All XXXX  transactions were fraudulent and should have been included in the original claim through Chase. I am attaching my statements that show all of the transactions that were fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-11-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The inclusion of this late payment is incorrect, as I have always paid on time. I kindly ask for its immediate removal and for my account to be properly updated.

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 2025-11-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am extremely upset that these inaccurate late payments are still appearing on my credit report this morning. I refreshed the page repeatedly and nothing changed. I am urgently demanding that the documents I sent be examined carefully so I can finally stop living with this stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
Fay servicing is buying loans and not notifying owners or sending statements. My loan was apparently bought XX/XX/XXXX. The company sent a generic email with a broken link as a welcome letter. 

The company has not sent any mortgage statement to my address or the address of the property in question XXXX XXXX XXXX. 

The first letter I received was on XXXX XXXX threatening foreclosure. 

XXXX and XXXX refused to transfer me to a manager. The XXXX number required XXXX number to be pressed in a precise order in order to speak with a representative. 

My online account was registered using an EIN and not my social adding to the confusion. The customer service reps are applying commuercial loan rules to my conventional mortgage in order to enforce the late fees.

I'm sure this company is doing this to multiple owners to boost profits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: MD

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: AR

Complaint narrative:
I am formally disputing information on my XXXX  credit file pursuant to 15 U.S.C. 1681i, 1681e ( b ), and 1681s-2.

Because of the 2025 XXXX  data breach, my personal information was compromised. Any negative or unfamiliar accounts shared between bureaus may contain altered, corrupted, or inaccurate data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: AZ

Complaint narrative:
b"On XXXX XXXX of this year, XXXX, at XXXX  I called OPPLOAN's contact number: XXXX XXXX and I spoke with a female customer service representative who identified herself as a new employee. I spoke with her over 10 minutes. After explaining how I had a XXXX  with XXXX XXXX XXXX, she told me I simply had to fill out a hardship request form that she would email me and explicitly told me: \n\nYou do not have to make a payment right now or while your hardship request is pending review. \n\nI filled out the request form and got confirmation again over the phone with her.\n\nIn direct reliance on that statement, I did not make alternative payment arrangements. Despite this, a full payment was attempted on XXXX XXXX XXXX at XXXXXXXXOn XXXXXXXX XXXX XXXX XXXX  I called OPPLOAN's contact number: XXXX XXXX-XXXX to reference that conversation, the representative was a male with an indian accent, he denied any such call ever took place and went silent when I pointed out that I had received a hardship request confirmation email shortly after that call on XXXX XXXX. After a moment of silence he restated the call never took place and told me I had to pay the full amount."

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: FL

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: HI

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-11-28 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: NY

Complaint narrative:
Creditor : XXXX XXXX  Type : Rental Agreement Opened : XXXX XXXX, XXXX Closed : XXXX. XXXX, XXXX Reported : XXXX XXXX, XXXX Balance : {$40000.00} Status : Closed 120+ Days Late Remark : Account closed by credit grantor Last Payment : XX/XX/XXXX Payment History : Only 51 % on time Times Late : XX/XX/XXXX ( 30/60/90+ pattern ) INCONSISTENCIES AND FCRA VIOLATIONS 1. Closed account showing 120+ days late ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) ) A closed account can not simultaneously report a current delinquency status. Once closed, it should report as : Closed Paid, Closed Settled, or Closed Charged Off.

Reporting 120+ Days Late implies the account is open and currently delinquent thats factually inaccurate.

2. Date inconsistency Last Payment AFTER Closed Date Closed : XXXX. XXXX, XXXX Last Payment : XX/XX/XXXX A creditor can not legally accept or apply a payment after the account is closed by the grantor.

This suggests data fabrication or reporting error violating 15 U.S.C. 1681e ( b ) ( reasonable procedures for accuracy ).

3. Missing Charge-Off or Collection notation ( XXXX XXXX Error ) If this balance is {$40000.00} and closed by credit grantor, it must be categorized as charged off or transferred to collections. 
Leaving it blank while showing an outstanding balance and closed creates ambiguity and misrepresents account standing. 
Violates XXXX XXXX Format : Field 17 ( Account Status Code ) requirements. 



4. No monthly payment info ( incomplete data field ) XXXX XXXX requires a monthly payment amount field ( Field XXXX ). 
Reporting No Info is incomplete, reducing report reliability and violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) for incomplete information.

5. Duplicate remark Account closed by credit grantor The remark appears twice, which can confuse automated scoring models and trigger unfair negative weighting.

Violates FCRA 1681i ( a ) ( 5 ) ( A ) ( duty to maintain clear and accurate information ).

6. Payment history inconsistency It says : 51 % of payments on time But also lists only 1 late 30/60/90+.

That math doesnt match : if you had 48 months ( XXXX XXXX XXXX  ), 51 % on time means nearly half ( 23 months ) late. 
Thats an internal contradiction, suggesting incorrect payment history transmission. 

Issue Description Regulation Violated 1 Closed account showing 120+ days late FCRA 1681s-2 ( a ) ( 1 ) ( A ) 2 Last payment after closure date FCRA 1681e ( b ) 3 Missing charge-off or collection notation XXXX XXXX, Field 17 4 Missing monthly payment info FCRA 1681s-2 ( a ) ( 1 ) ( A ) 5 Duplicate remarks FCRA 1681i ( a ) ( 5 ) ( A ) 6 Payment history doesnt match summary FCRA 1681e ( b

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 2025-11-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying computer science, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

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 2025-11-28 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: OR

Complaint narrative:
I closed my XXXX account in XXXX of 2024. They in error didn't close my account and kept charging me. I tried to contact them, they refused to assist me. I ended up calling my bank and blocking them from ACH my bank account. They still didn't close my account after several attempts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-28 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: WI

Complaint narrative:
I am formally disputing and requesting the immediate blocking and permanent deletion of fraudulent hard inquiries appearing on my TransUnion credit report. This dispute is submitted pursuant to 15 U.S.C. 1681c-2, which requires TransUnion to block identity-theft-related information within four ( 4 ) business days after receiving a valid identity theft report. 

I have enclosed my FTC Identity Theft Report ( XXXX XXXXXXXX ), filed under penalty of perjury, which documents these inquiries as fraudulent. 


These inquiries were not authorized, I did not apply for credit with these companies, and none of these entities have provided any contract, application, or permissible-purpose documentation as required by federal law. 

Fraudulent Inquiries TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All four items are listed in my FTC identity theft complaint as unauthorized.

FEDERAL LAWS BEING VIOLATED FCRA 1681b No Permissible Purpose None of these creditors have provided evidence of a lawful purpose or my written consent to access my report.

FCRA 1681c-2 Mandatory 4-Day Blocking Rule TransUnion MUST block identity theft information within 4 business days after receiving : My FTC Identity Theft Report Proof of identity Written identification of the fraudulent items All required documents were provided.

FCRA 1681i Duty to Reinvestigate Unverifiable inquiries must be deleted immediately.

FCRA 1681e ( b ) Maximum Possible Accuracy Continuing to publish known fraudulent inquiries violates the accuracy requirement.

ONGOING HARM These fraudulent inquiries have caused : Lower credit score Denial of credit opportunities Delays in housing processes Emotional distress and financial impact Other bureaus have removed identity-theft items in similar disputes.

TransUnion must do the same.

MANDATORY ACTION REQUESTED I am demanding that TransUnion : Immediately block and permanently delete all fraudulent inquiries listed above under 15 U.S.C. 1681c-2.

Prevent reinsertion unless all requirements of 1681i ( a ) ( 5 ) ( B ) are fully met.

Provide written confirmation of the deletion.

Provide the complete description of the verification procedure used, per 1681i ( a ) ( 6 ) ( B ) ( iii ).

Failure to comply will result in formal escalation to : Federal Trade Commission Wisconsin Attorney General Civil action under FCRA 1681n and 1681o Thank you for your prompt attention.

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 2025-11-28 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: CO

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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: VT

Complaint narrative:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-28 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:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX XXXXnd there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company response to consumer: Closed with non-monetary relief