vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: JPMORGAN CHASE & CO.
State: NE

Complaint narrative:
Also see previous complaint filed XXXX Chase Mortgage owns my mortgage on my home. I have divorced. I am applying for an assumption. This process started in XXXX of 2025, and there have been months of intentional delays from Chase Mortgage. The last complaint, referenced above, Chase Mortgage indicated they were getting to my assumption, but had been busy. Unfortunately, that was lip service. After waiting more than their allotted amount of time to review materials, they requested more duplicate materials. They requested inessential information such as why my name changed with marriage. This information was not requested to loan the initial mortgage, and is no more critical to ask now that the mortgage is my responsibility. Yesterday they requested more duplicate bank statements, when they already have 10 months of bank statements. I have an XXXX XXXX XXXX, an excellent debt to income ratio, and have paid all of my mortgage payments on time. If I didn't, I would have been declined for the assumption. The loan amount is only XXXX and is my responsibility to pay. I am not requesting new financing, I am requesting to have my ex-husband removed from the mortgage, as is common in divorce. It has been 9 months and Chase Mortgage is continuing to create reasons to delay, including sexist questions about name changes in marriage. Chase Mortgage has refused to provide me with their XXXX policies and procedures despite several requests. I have documented every person I have spoken with at Chase, their employee number and all details of this assumption process, so I have a very transparent case if details are requested. I am requesting that they give a more reasonable explanation for why they are delaying the process, other than my gender. Being too busy after 9 months, is not a reasonable explanation for the delay and multiple requests for duplicate information. The escalations department at Chase Mortgage has been ineffective at oversight of their own assumptions department. This is financial abuse as clearly Chase Mortgage is trying to force a refinance for a higher interest rate. I have no timeline, and can certainly wait out their transparent tactics. What they are doing is wrong, and many people do not have the grit and resources to stand up to this bullying, but I do. I hope the CFPB will research, because this is a pervasive issue among complaints against Chase Mortgage and its female clientelle. There is a clear sexist predilection toward Chase Mortgage 's patriarchal lending practices and they need to be held accountable to responsible lending, despite race or gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: VA

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: IN

Complaint narrative:
I did not authorize this inquiry, nor did I initiate any application for credit with this company. Under the Fair Credit Reporting Act ( FCRA ), only inquiries that I have expressly authorized are permitted to appear on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am writing to you regarding your continued collection activities on an alleged debt that you claim I owe. Let me be absolutely clear : I dispute this debt and I am now formally invoking my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

Please also take notice that any attempt to continue reporting this account to the credit bureaus without providing complete validation of the alleged debt is a violation of both the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Reporting inaccurate or unverified information damages my credit profile and exposes your company to liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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 am disputing the following items on my credit reports, as they are inaccurate, incomplete, or incorrectly reported. I have provided detailed information below, separated by bureau. 

Charged Off Accounts : XXXX, XXXX, XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$1500.00} XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, Balance : {$420.00} XXXX XXXX, XX/XX/XXXX, Balance : {$0.00} Inquiries : No inquiries reported. 

Late Payments : XXXX, XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : XXXX XXXX XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX - XX/XX/XXXX - {$1900.00} XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$210.00} Hard Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I initially requested that the company send me a debt settlement offer on XX/XX/year> to which they sent XXXX XXXX XXXX the offer despite me telling them that I was having problems with them. We went into an outrageous settlement with XXXX XXXX XXXX to which XXXX XXXX XXXX paid themselves more than the actual creditor. I reached out to Bread Financial again on XX/XX/year> when XXXX XXXX XXXX defaulted on the payment to which they responded with an encrypted file and never provided me with the code to open it. I made numerous request and called them without any success. I have been on hold for over XXXX hours. 

On top of that Bread financial after charging off my account put it on open but frozen to continue to increase my balance during the settlement. XXXX XXXX XXXX never advised me of that I made multiple complaints to XXXX XXXX XXXX and the credit burueas regarding false reporting. They were receiving my payments and not reporting it. Currently the company still has my account open and is refusing to work with me. I called numerous times to make a payment and they just don't pick up the phone or correspond via email. 

On the settlement it actually states that my account has been charged off but they have it open on my credit report and when I called creditor they said that it is open but frozen but can not help because debt settlement can only fix the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Kindly look at the materials enclosed ; the inquiries arrived without advance approval and XXXX not be valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-04 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: MI

Complaint narrative:
I am providing new evidence regarding my dispute with XXXX XXXX XXXX. 

While my accounts are marked Closed and Consumer dispute reinvestigation in progress, XXXX and the credit bureaus have continued to alter my payment history and add remark codes without completing the reinvestigation or providing a Method of Verification.

This activity violates FCRA 611 ( a ) ( 5 ) ( B ), 611 ( a ) ( 6 ), and 604 ( a ). I am requesting the permanent deletion of both XXXX XXXX XXXX  accounts and a written confirmation of deletion from all three credit bureaus for failure to properly verify and maintain accurate information. 

I have attached updated evidence showing payment history and remark changes occurring during an active dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
Experian has violated multiple sections of the Fair Credit Reporting Act ( FCRA ) in connection with a collection account reported by XXXX XXXX XXXX ( Acct # XXXX, original creditor Snap Finance ). 
1. Illegal Reinsertion FCRA 611 ( a ) ( 5 ) ( B ) : Experian previously deleted this same debt ( XXXX XXXX Co XXXX XXXX XXXX, deleted XX/XX/year> ). Later, it was reinserted under XXXX XXXX XXXX with a new Date Opened XX/XX/year>. Experian never sent me the legally required written notice or certification of accuracy. That reinsertion is illegal. 
2. Failure to Conduct a Reasonable Reinvestigation FCRA 611 ( a ) ( 1 ) ( A ) : I disputed this account several times, and Experian responded with generic results ( verified/updated ) but provided no proof, documents, or certification from the furnisher. Experian must verify accuracy before maintaining negative data ; it can not shift the burden of proof to the consumer.

3. Re-Aging/ Inaccurate Date Reporting FCRA 623 ( a ) ( 5 ) : Experian allowed the furnisher to report a new Date Opened that does not match the original delinquency date, making the debt appear newer than it is. This changes the reporting timeline and damages my credit history. 
These actions show a clear pattern of non-compliance with the FCRA. Experian reinserted deleted information, failed to properly investigate, and allowed inaccurate data to remain without evidence.

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 2025-11-04 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: OR

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Would you mind verifying this one? Its late and questionable.

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 2025-11-04 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: TX

Complaint narrative:
An inaccurate late payment was reported on my credit report by this company. I made the payment on time, and I have documentation supporting this fact. Despite my previous disputes and requests for verification, the company has not corrected the information. This constitutes non-compliance with the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). I am requesting a full reinvestigation and correction of this error without further delay.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I discovered multiple inaccuracies on my credit reports regarding several XXXX, XXXX, and XXXX XXXX accounts. The information reported to TransUnion, Experian, and Equifax is inconsistent, including conflicting dates opened, dates last active, payment history, past-due amounts, high credit/limits, and charge-off status. Some bureaus report lates or charge-offs that others do not, and one business credit card is being reported as a personal account.

I disputed these items through the credit bureaus and requested verification. The furnishers failed to provide proper documentation or correct the inaccurate information. The accounts continue to report conflicting and unverifiable data in violation of FCRA 607 ( b ) and 611.

I am requesting that these accounts be fully investigated and that any inaccurate or unverifiable
information be deleted. I also request removal of an unauthorized inquiry from XXXX XXXX XXXX, which I did not initiate or authorize.

These reporting errors are negatively affecting my creditworthiness.

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 2025-11-04 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: TX

Complaint narrative:
These entries are inaccurate and do not accurately represent my payment history. I have made multiple requests for an investigation and correction of these discrepancies, yet no meaningful action has been taken. Despite submitting all required documentation and following up repeatedly, these errors remain unresolved. This ongoing inaccuracy has caused significant financial hardship and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information found to be inaccurate or unverifiable. I am therefore requesting that you immediately investigate and update or remove these erroneous late payment entries. Continued failure to correct these inaccuracies constitutes a violation of my rights under federal law. I expect your prompt attention and a written confirmation of resolution as soon as possible.

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 2025-11-04 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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.

Company response to consumer: Closed with non-monetary relief