vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards. 

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX Bankruptcy Reference # : 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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX  delay in reporting an updated credit card balance to the credit bureaus, despite a large payment being posted to my account. On a XX/XX/year>, I made a payment of {$1200.00} to my XXXX XXXX XXXX credit card account, which brought it to a balance of {$0.00}. This payment has posted to my account and significantly lowered my balance. However, the updated balance is not yet reflected on my credit report, and XXXX XXXX XXXX has not submitted an off-cycle update despite my request. This failure to update my account inaccurately reflects my credit utilization ratio, which can negatively impact my credit score. I am requesting that the CFPB assist in having XXXX XXXX XXXX submit an off-cycle update to all three credit bureausEquifax, XXXX XXXX XXXXXXXX reflect my accurate current balance and ensure fair and timely credit reporting. Attached are : A copy of my payment confirmation A screenshot showing the updated balance on my account Please assist in resolving this issue promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine.

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I am filing this complaint against JPMCB/Chase regarding a credit card account that is currently being reported as charged-off with a balance of approximately {$80000.00} and a past due amount of around {$65000.00}. 

My dispute concerns several serious inaccuracies and compliance failures in the way JPMCB is reporting this account : Improper Charge-Off Reporting : JPMCB is reporting this account as charged-off while still showing a large outstanding balance. Under standard industry practice and XXXX XXXX reporting guidelines, once a charged-off account has been sold, settled, securitized, or monetized in any form, the balance should be reported as {$0.00}. Continuing to report a charged-off balance as collectible misrepresents my credit profile and violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires maximum possible accuracy. 

Potential Double Representation with IRS Reporting : If JPMCB has issued a 1099-C to the IRS for cancellation of this debt, they can not simultaneously report this as an outstanding liability on my credit report. Doing so violates IRS Code 6050P and FCRA provisions on fair and accurate credit reporting. 

Failure to Disclose Securitization and Real Ownership : It is standard for large credit card portfolios to be securitized and sold into trusts. If this account has been transferred to a trust or SPV as part of an asset-backed security ( ABS ) pool, JPMCB is no longer the real party in interest. Under TILA 1641 and Regulation Z, I have the right to be notified of any sale or assignment. They have never disclosed the current owner of this account to me. 

Lack of Verification : I have requested proper documentation from JPMCB, including the Pooling and Servicing Agreement ( PSA ), chain of title, IRS tax filings ( Form 1066 ), and proof that JPMCB still owns or has the right to report this debt. To date, I have not received any verification. 

This inaccurate and misleading reporting is severely damaging my credit profile and preventing me from obtaining financing. I am requesting that the CFPB require JPMCB to : Provide a complete verification of the ownership of this account, including any transfer or securitization records ; Correct the reporting to reflect a XXXX balance if they no longer own or have monetized this debt ; Remove this account entirely if it can not be verified in compliance with FCRA, XXXX XXXX, IRS, and TILA regulations. 

I am also requesting that JPMCB provide me copies of any Form 1099-C issued, Pooling and Servicing Agreement, indemnification agreements, insurance contracts, and related ownership or servicing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XXXX : XX/XX/year> 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of 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.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required.

Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within XXXX ( XXXX ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
At this time after I could not get a confirmation of obtaining a free copy of my Equifax credit report, I respectfully request one from Equifax to be mailed to my home address. My drivers license is attached to confirm my identity. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a purchase of {$7600.00} using a Synchrony Bank promotional financing plan with a XXXX interest-free period. I authorized monthly ACH payments of {$260.00}, with the first payment due on XX/XX/year>. 

However, on that date, Synchrony withdrew the entire balance of {$7600.00} from my checking account despite my account being set up for minimum monthly payments only. 

I contacted Synchrony immediately. They acknowledged it was a system error, but refused to refund the amount via ACH ( the same method used for the withdrawal ). Instead, they insisted on issuing a paper check, with an estimated delivery time of XXXX weeks. 

Due to the urgency of the situation and Synchronys refusal to issue a timely electronic refund, I also filed a claim through my bank, XXXX, in an effort to recover the funds. This unexpected withdrawal has caused serious disruption to my finances, and it should never have occurred especially since Synchrony admitted the error was on their end. 

When I requested an expedited refund, they said they could file a dispute but then required me to provide proof of payment, even though the transaction was initiated through their own autopay system. 

I followed up again on XX/XX/XXXX. They confirmed that a check would be mailed within XXXX to XXXX weeks, but the experience has been inconsistent and frustrating. Im now left waiting weeks for the return of a large amount of money, with no option for a faster resolution via electronic refund.

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 2025-07-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
Eviction Dismissed- XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXXXX with XXXX Properties. I did not consume the water and has been fully charged for collection water overpriced bill. Florida 83.67, explains the Landlord directly turn the water repair issue to a collection. The XXXX properties did not want to pay the high leakage water bill and I received a several shut off notices for essential water. It was retaliation for XXXX XXXX, to accept the rent for XX/XX/year>XXXX  with the XXXX XXXX and return as certified mailed the rent with a eviction notice which has been dismissed and charge myself for Attorney Fees, the Attorney hire dismissed the case. I have been living in hotel for 1 year due to the inaccurate information reported to the reporting agencies and I have a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I AM FILING THE FTC IDENTITY THEFT AFFIDAVIT TO REPORT 2 SEPARATE FRAUDULENT ACCOUNTS appearing on my consumer TENANT SCREENING CREDIT REPORT which I do not recognized.as reported and which are results of identity theft and fraud. I also contacted the courts that these companies claimed they received this fraudulent information, and the courts admitted that they do not give information to third party agencies.

These fraudulent accounts consist of Civil Courts Record XXXX and Case XXXX. These accounts appearing on my XXXX XXXX XXXX XXXX has resulted as adverse information. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and all collection cease per FCRA.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing an account reported by XXXX XXXX XXXX ( XXXX ) on my Equifax report. I have repeatedly requested validation from XXXX, specifically asking for documentation proving they own or were legally assigned the debt and are authorized to report it. They have failed to provide any such documentation, only re-sending outdated or generic information from the original creditor. 

My credit report already shows the original creditor closed the account with a XXXX balance and current payment status. XXXX is providing contradictory information and continues to report a debt that they have not validated legally. Equifaxs previous investigation accepted XXXX 's submission at face value, without addressing whether they have the legal right to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

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. 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 2025-07-16 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: CBC Companies, Inc.
State: IN

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: IL

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX delay in reporting an updated credit card balance to the credit bureaus, despite a large payment being posted to my account. On a XX/XX/year>, I made a payment of {$1700.00} to my XXXX XXXX XXXX account, which brought it to a balance of {$87.00}. This payment has posted to my account and significantly lowered my balance. However, the updated balance is not yet reflected on my credit report, and XXXX has not submitted an off-cycle update despite my request. This failure to update my account inaccurately reflects my credit utilization ratio, which can negatively impact my credit score. I am requesting that the CFPB assist in having XXXX XXXX  submit an off-cycle update to all three credit bureausEquifax, Experian, and TransUnionto reflect my accurate current balance and ensure fair and timely credit reporting. Attached are : A copy of my payment confirmation A screenshot showing the updated balance on my account Please assist in resolving this issue promptly.

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 2025-07-16 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:
Please provide me with your internal procedures for investigation conducted in CFPB complaint XXXX. Please also state how your procedures align with this mandated by the FCRA. Please provide the reply with your response to the CFPB and not via USPS mail. Thank you,

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 2025-07-16 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: TN

Complaint narrative:
numerous inaccuracies are being reported to my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Headline : Repeat FCRA Violation XXXX XXXX Reporting Inaccurate Information , Refusing Corrections, and Causing Credit Harm What happened? 
I am filing this complaint against XXXX XXXX XXXX XXXX ) regarding their repeated failure to correct inaccurate and damaging information on my credit report under the tradeline XXXX. 

Despite filing multiple disputes directly with the credit bureaus and through the CFPB in XX/XX/2025, this account continues to be reported with : An inaccurate balance, even after verified payments ( including a {$760.00} payment on XX/XX/2025 ) Incomplete payment history ( missing months despite timely payments ) Misleading classification of the account as a traditional open line of credit A clear pattern of ignoring factual disputes in violation of the Fair Credit Reporting Act ( FCRA 611 and 623 ) This account has been misreported consistently, and despite sending evidence to all parties, the lender refuses to correct or delete the tradeline. Their generic response to my previous CFPB complaint did not address the actual inaccuracies, nor did they show a willingness to correct them. In fact, their own reply acknowledges discrepancies yet they continue to report the account, harming my credit and delaying financial goals including mortgage financing.

I have spent thousands of dollars to improve my credit. I have never missed a payment on this account, and yet Im being penalized by their negligence and unfair reporting. Their refusal to fix this situation is willful, and it has caused both emotional and financial harm.

Requested Resolution : 1. Immediately remove this tradeline from my credit reports with all three bureaus ( ExperianXXXX XXXX XXXX ) XXXX. Alternatively, correct all information to reflect accurate balances and full payment history XXXX. Provide a written confirmation that this account is no longer visible to third-party lenders unless legally required If this issue is not resolved, I intend to escalate to : The Office of the Comptroller of the Currency ( OCC ) due to CCBanks federal regulation An FCRA lawsuit under 616 and 617 for actual and statutory damages Please see attached documents including screenshots of my credit report, payment confirmation, and previous unresolved CFPB case.

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