vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 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: IA

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: NJ

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-13 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: MD

Complaint narrative:
The following Late payments are in violation of my rights as a federally protected consumer per the FCRA Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a. This account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of XXXX XXXX XXXX timing of payments Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: LA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-13 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: TX

Complaint narrative:
I currently have 9 federal student loans serviced by XXXX XXXX. 

Each account now shows a 90-day delinquency ( code 3 ) in XX/XX/XXXX, even though I was in an approved forbearance from XX/XX/XXXXXXXX  to XX/XX/XXXX. That means I was not required to make payments, and the reporting is false. 

I submitted multiple disputes with Equifax, including my forbearance approval letter and supporting documents. Despite this, XXXX XXXX verified the late marks as accurate. 

As a result, my credit score dropped from XXXX to XXXX, causing serious harm. This happened through no fault of my own. 

I have since changed repayment plans, resumed payments, and am current. Ive made my first payment and will continue paying monthly. 

Im requesting that the XX/XX/XXXX XXXX late mark be removed from all 9 of my ED Financial accounts. This is inaccurate reporting during a documented forbearance period, and its having a devastating impact on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 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:
To Whom It May Concern, I am writing to formally dispute the inaccurate information being reported on my credit file regarding the account : Account name XXXX  XXXX Account number XXXX I have paid this account in full, and therefore, any reporting of late payments is false. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report. This is my final attempt to resolve this matter directly. If this account is not deleted or updated to reflect accurate information specifically that the late payments are removed I will be forced to pursue legal action against your company for knowingly reporting false information. 

Please consider this a formal notice. I expect a prompt correction in compliance with federal law. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 filing this FTC Identity Theft Affidavit to report one fraudulent account appearing on my consumer FICO Experian credit report which I do not recognize as reported and which is the result of identity theft and fraud. This fraudulent account consists of a personal loan opened at XXXX XXXX on XX/XX/year> under the account number XXXX * *. This account has resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I demand that the aforementioned fraudulent item be removed from each of my consumer credit reports and that all collection activity related to said item cease pursuant to my rights within the FCRA and FDCPA laws. All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

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 2025-05-13 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: CL Holdings LLC
State: AL

Complaint narrative:
I filed a dispute on XXXX, Jefferson Capital Systems due to not being aware of the debt. Experian denied to follow up with the investigation. I was recently notified that CFPB has filed a lawsuit against Experian. They alleged that the company accepted unreliable information, failure to notify customer dispute results. This aligns with my situation! Experian has not attempted to remove, nor correct any information. Im requesting this derogatory remark be removed or corrected immediately as its affecting my chances of getting a building for my business. Experian violates my rights as a consumer, as well as federal laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-13 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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:
The following Late payments are in violation of my rights as a federally protected consumer per the FCRA Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a. This account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of XXXX XXXX XXXX timing of payments Account name : 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 non-monetary relief
Consumer complaint received 2025-05-13 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:
The following Late payments are in violation of my rights as a federally protected consumer per the FCRA Per 15 usc 1681a 2 a ( i ), it is illegal for a consumer reporting agency to report a consumers experiences and transactions ; payment history, these " late payments '' must be removed and this account updated immediately Per 15 usc 1681a 2 a ( I ) Experian a " consumer reporting Angency '' can not legally report consumer transactions and experiences the late payments on This account must be updated & removed from my consumer report. 15 usc 1681a 2 a ( i ) states that my transactions and experiences should not be a part of my consumer report. This account breaks the law and violates my right legally it must be updated and removed. Immediately 15 usc 1681a. This account is to stay OPEN AND ACTIVE. Do not close this account. I am not disputing this account and requesting for closing it. I am calling attention to the violation of XXXX XXXX XXXX timing of payments Account name : 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 2025-05-13 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: NY

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Equifax. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Report, this company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. 

Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations.

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I mistakenly sent {$3400.00} via XXXX through my Chase account to the wrong recipient due to a manual input error. I immediately contacted Chase to cancel the transfer but was told it could not be reversed. I then filed a formal dispute ( XXXX XXXX : XXXX ), but Chase has refused to assist further. The recipient has not returned the funds, and I have made every effort to recover the money, including attempting direct contact and preparing a police report. This was not fraudsimply an errorand I am asking Chase to assist in recovering the funds or intervening with the receiving bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/year>, I received an email notification stating that my phone number had been removed from XXXX. I did not authorize this change. I rely on XXXX XXXX for both personal and business transactions, and immediately following this incident, I was unable to access XXXX through my Chase mobile and desktop banking apps. 

I contacted XXXX customer service twice and spoke with two different representatives, both of whom directed me to Chase for resolution. I subsequently spoke with four different Chase representatives over the phone, and also visited a local branch to speak with a representative in person.

Eventually, one Chase representative confirmed that Chase had indeed blocked or removed my phone number from XXXX. She attempted to solve the issue and talk to the XXXX support team. After following up, she informed me that my number was blocked from using XXXX, but no specific reason could be provided other than that XXXX was no longer available to me. I received no explanation for why this occurred, nor any guidance on how to resolve it. 

As a small business owner, I rely on XXXX to receive payments from clients and to manage essential expenses such as rent. I also use it frequently for routine transactions with friends and family. None of my XXXX activity is suspicious or in violation of any policies. There is absolutely no justification for my access to XXXX to be revoked without warning, explanation, or recourse. 

I am requesting immediate clarification regarding this action, the rationale behind it, and what steps can be taken to reinstate my access to XXXX. This disruption is impacting both my personal life and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I reported an unauthorized transaction of {$100.00} on my debit card. I have never used this debit card for online or in-person purchases, ATM withdrawals, or any transactions other than wire or ACH transfers. Yet the bank denied my dispute, claiming the transaction was consistent with prior use. This is factually incorrectthere is no prior use of the debit card, so this justification is entirely baseless. 

Despite multiple attempts to resolve the issue, the bank has been completely unhelpful. I was forced to make repeated phone calls, only to be redirected from XXXXne representative to another, with no meaningful assistance. The responses I eventually received were dismissive and simply repeated the same inaccurate reasoning, without addressing the substance of my complaint or making any real effort to investigate.

To make matters worse, the bank kept insisting that I file a police report, yet refused to take any initiative on their end to properly investigate or support me in resolving this clear case of fraud. This is not only frustrating but unacceptable, especially given that the bank advertises zero liability protection for unauthorized transactions.

I am requesting immediate escalation and resolution. The bank must properly investigate this unauthorized charge and uphold its zero liability fraud protection policy. I should not be held financially responsible for fraud, and I expect the institution to act in good faith to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health. They have gave me unfair credit ratings and contributed to outstanding interest rates. Experian has been notorious lately for improper investigations and I feel I am another victim.

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 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a formal complaint against LVNV FUNDING LLC for violations of the Fair Debt Collection Practices Act ( FDCPA ) and unlawful debt collection activity. 

On or about [ insert date ], I received communication from the above-named collection agency regarding an alleged debt with account number XXXXXXXX XXXX XXXX XXXX XXXX. I do not recognize this debt and immediately sent a written dispute and request for validation per my rights under 15 U.S.C. 1692g. 

Despite this, the agency has : Continued collection efforts without providing any proof of the debt ; Threatened or harassed me, directly or indirectly ; Reported the alleged debt to credit reporting agencies without proper validation or marking it as disputed, in violation of FCRA guidelines. 

These actions are illegal and unethical. I am requesting that your office investigate this matter and take the appropriate regulatory or enforcement actions against LVNV FUNDING LLC

Company response to consumer: Closed with non-monetary relief