vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: AZ

Complaint narrative:
I previously disputed the XXXX XXXX XXXX XXXXXXXX XXXX XXXX account, and it was deleted from my credit report on XX/XX/year> due to fraudulent activity. 

Under the FCRA, once a deleted account is reinvestigated and removed, the credit bureau can not reinsert the information unless : The furnisher certifies the accuracy of the account, The bureau performs a full reinvestigation, and The consumer receives written notice of the reinsertion within 5 business days ( FCRA 611 ( a ) ( 5 ) ( B ) ).

None of these required steps occurred. 

On XX/XX/year>, the deleted account was reinserted without my knowledge or consent and without any notice from the credit bureau. The bureau also added the statement : Account information disputed by consumer, meets FCRA requirements. 

This is incorrect and misleading. 
The account was already determined to be fraudulent and should not have been reinserted at all. 

The bureau failed to : Provide the required certification, Provide the required reinsertion notice, Protect my file from re-reporting fraudulent information. 

This reinsertion violates FCRA reinsertion rules and has caused harm to my credit profile.

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 2025-11-26 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:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear TransUnion, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported. 
Account in Question : Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : 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 2025-11-26 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: CA

Complaint narrative:
I am a consumer attempting to address and correct inaccuracies on my credit report. Below are the accounts I am disputing, separated by each credit bureau. 

Charged Off Accounts : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXXXXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TX

Complaint narrative:
I am submitting this dispute because my Experian credit report contains inaccurate accounts, inquiries, and late payments. I request that these items be investigated and corrected under my rights as provided by the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
The late payments reported for XXXX, XXXX, and XX/XX/year> on my mortgage are inaccurate. I was in an active loss-mitigation review during those months, which pauses delinquency advancement and means no contractual payment was due. The late marks resulted from internal logging errors and improper system re-aging. 

In XX/XX/year>, I entered loss-mitigation review with Carrington. From XXXXXXXX XXXX Carrington confirmed that no contractual payment was due or that my trial payments were accepted and reported correctly as current. 

On XX/XX/year>, my trial modification was voided only because I missed the signature deadline. I called Carrington immediately afterward and requested a new review, which they confirmed was reopened in XX/XX/year>. From XXXX through late XXXX and early XX/XX/year>, Carrington repeatedly told me my loan was under active review and that no contractual payment was due during this period. 

My XXXX trial payment posted, but Carringtons system retroactively re-aged the account back to the original XXXX delinquency date, which falsely generated the following late marks XXXX XXXX : 90 days late ( XX/XX/year> ), 120 days late ( XX/XX/year>XXXX XXXX XXXX XXXX corrected XXXX to XXXX, but still shows late for XXXX ( XXXX ) and XXXX ( XXXX ) TransUnion : similar incorrect late reporting ( a dispute is pending ) In late XXXX XX/XX/year>, a Carrington representative informed me that part of the review had not been logged correctly, which likely caused the erroneous delinquency reporting.

These delinquency marks are inaccurate because I was in continuous review, no contractual payment was due, and XXXX accepted my XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: FL

Complaint narrative:
My consumer file contains multiple accounts, inquiries, and records that are inaccurate, outdated, or unverifiable in violation of FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ). These inaccuracies have caused significant harm to my creditworthiness and its really frustrating.

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, I purchased merchandise from an online " XXXX XXXX '' seller based in XXXX. When the items arrived, they were counterfeit. I contacted the merchant immediately to request a refund, but the merchant refused to resolve the issue. 
I submitted a chargeback request with my card issuer, Chase, for merchandise that was counterfeit and not as described. I provided Chase with : photos of the items received, screenshots of the seller listing, proof the items were counterfeit, the FTC complaint confirmation, and supporting documentation showing a pattern of counterfeit sales by the merchant.

Despite providing all required evidence under Regulation Z for a counterfeit-goods dispute, multiple Chase representatives repeatedly told me that I must obtain a manufacturer authentication/verification letter on letterhead from the intellectual property holder. This is not possible for consumers, and the merchant is known for counterfeits.

I also received inconsistent guidance depending on which Chase representative I spoke with. Some agents insisted this document was required, while another representative informed me it was not required and that the evidence I provided was sufficient for review.

Additionally, I requested that Chase communicate with me only in writing. Despite this, multiple offshore call-center agents continued to call me and repeat the same scripted requirement for documentation that I can not legally obtain.

I mailed a packet of all documents by certified mail before Chases deadline and also uploaded all evidence through secure messaging.

As of now, my dispute remains open but is being handled inconsistently, and I am concerned that Chase may deny my claim based on documentation they are not permitted to require under Regulation Z for counterfeit merchandise claims.

I am requesting that Chase properly review my dispute according to federal law and card-network rules, without imposing requirements consumers can not meet.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-11-26 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: NC

Complaint narrative:
I am writing pursuant to 15 U.S.C. 1681i and 15 U.S.C. 1681c-2, which grant consumers the right to dispute and remove inaccurate or fraudulent items from their credit reports. I have identified hard inquiries on my credit report that were made without my knowledge or expressed written consent. These inquiries are unauthorized and constitute identity theft as defined under federal law. As a result, I request the immediate deletion of the following unauthorized hard inquiries from my credit report as they are a violation of permissible purposes outlined in the FCRA : 1. Identity Theft WFBNA CARD XX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXXXX/XX/XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove 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 2025-11-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
They lied to me and filed a forbearance after they told me a forbearance would not happen. 

I had the option to pay outstanding balance in full or " sign up for autopay so the balance would be {$0.00} and I can change my due date ''. I questions the human I spoke with multiple times stating I did not in any way agree to or want a forbearance. The human on the phone assured me multiple times I was not going to have a forbearance, I questioned why the automated system kept telling me about a forbearance and was consistently told I was not signing up or agreeing to a forbearance. 

The next day Mohela sent paperwork stating they approved the forbearance I requested. This is fraud, I did not request a forbearance because I on a number of occasions stated I didn't want any forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was scammed and coerced on XX/XX/year> by individuals impersonating law-enforcement officers. These individuals contacted me claiming to be representatives of the XXXX XXXX XXXX. They stated that, due to an influx of XXXX cases within the facility, there was a temporary change in procedures that would allow me to bond my son out using a remote payment method. They provided instructions and presented the situation as urgent and legitimate, which led me to believe I was communicating with actual officers. 

Acting under this belief, I followed their directions and made the payment as instructed. Afterward, I realized I had been deceived by individuals fraudulently impersonating law-enforcement officers. 

Once I became aware that I had been scammed, I immediately went to my local law-enforcement office to report what had happened. Instead of taking a formal report, they directed me to contact my bank, U.S. Bank, to dispute the transaction. I then filed a claim with U.S. Bank, and the bank issued a provisional refund while conducting their investigation. However, the bank ultimately denied my claim, stating that I had received the services purchased, even though the transaction was the result of coercion and fraud by individuals pretending to be law-enforcement personnel. 

I also filed a report through XXXX XXXX using the transaction ID XXXX. XXXX acknowledged my report but has not provided any additional information or updates since then. 

In addition to those steps, I submitted reports to federal agencies. My Federal Trade Commission report number is XXXX, and I also filed an IC3 complaint with ID XXXX. 

Despite taking all of these steps to report the fraud, I have not received resolution or assistance in recovering my funds. I am requesting further review of my case, as the payment was made under false pretenses, manipulation, and impersonation of law-enforcement officersclearly meeting the definition of a scam.

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 2025-11-26 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: OH

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I am formally disputing the reporting of late payments on my account, as the information being furnished is inaccurate, outdated, and unverifiable. Under FCRA 602 ( A ) and 607 ( b ), consumer reporting agencies and furnishers are required to maintain maximum possible accuracy, and any data that can not be verified must be promptly deleted. Additionally, FCRA 611 ( a ) mandates a reasonable reinvestigation of any disputed information, and FCRA 609 ( a ) ( 1 ) requires the furnisher and credit bureau to provide complete verification, including the original records showing that the alleged late payment was accurately reported. If you can not provide legally sufficient documentation proving the accuracy of these reported late payments, you are required under FCRA 611 ( a ) ( 5 ) ( A ) to delete the information from my credit file. Reporting information that is incomplete, unverified, or older than the legally permitted retention period constitutes a violation of federal law. Therefore, I request the immediate removal of these late payments due to your inability to verify their accuracy as required by law. All my payments were on time the credit bureau dates are not the same across all XXXX bureau. PLEASE FIX THE INACCURACY TO PAID/ NEVER LATE AND SEND ME A COPY F MY UPDATED CREDIT

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 2025-11-26 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: SC

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Credit Control, LLC
State: PA

Complaint narrative:
I am filing a complaint regarding a debt collection issue with Credit Control LLC related to Account # XXXX. 

On XX/XX/2025 XXXX, I called Credit Control LLC to discuss resolving this account. During the call, the representative failed to mute her line and I overheard her speaking to her manager about me. She stated : His offer is XXXX, and tomorrow is XXXX, hes whiningbut he sounds sincere. She also verbally confirmed my identity to her manager. 

This behavior was unprofessional, disrespectful, and created a hostile interaction. It made me feel belittled and mistreated while trying to resolve the debt. When I raised the issue, the company acknowledged internally that the incident was inappropriate, but they refused to offer a meaningful resolution or correct the situation. 

I am requesting CFPB assistance to : Review Credit Control LLCs conduct during this call Address the disrespectful and unprofessional treatment Thank you for your 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