vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
This particular is a inquiry they stated inquiry was a soft pull if the credit was approved then it would of become hard pull it was denied and they show as a hard pull which affects my credit score which im trying to fix it. It was XXXX/XXXXXXXX syncronogy And the other is a despute for a {$36.00} amount that shows balance {$36.00} which that card was closed and i have a new one with no balance XXXX XXXX says they don't have an old balance.

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 2025-07-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: MA

Complaint narrative:
I am submitting this complaint to dispute multiple late payment entries that are currently appearing on my Experian credit report. These entries are inaccurate, misleading, and unverifiable under federal law. The accounts in question are all reported with past due balances of {$0.00}, and some are marked as closed, yet Experian continues to report late payment notations that serve no lawful or factual purpose. This is not only harmful to my credit profile, but also a direct violation of the Fair Credit Reporting Acts accuracy standards. 

The first account is XXXX, account ending in XXXX, showing a late payment on XX/XX/XXXX, even though the past due balance is listed as {$0.00}. The second is XXXX, account ending in XXXX, with a reported delinquency dated XX/XX/XXXX, and a balance and past due amount of {$0.00}. The third is XXXX XXXX, account ending in XXXX, reflecting a late payment on XX/XX/XXXX, also with a {$0.00} balance and no amount past due. The fourth account is XXXX, account ending in XXXX, showing a reported late payment as of XX/XX/XXXX, but again with no balance or amount past due. Finally, the XXXX account ending in XXXX shows a reported late payment dated XX/XX/XXXX, even though the balance and past due amount are both XXXX. 

If there is no balance past due and no evidence of an actual delinquency or default, there is no valid reason under the FCRA for these accounts to continue reflecting derogatory payment histories. Experian has not provided any documentation or original creditor records to justify these notations, and therefore, these entries remain unverifiable. Without complete, dated, and accurate documentation proving that a late payment occurred and was properly reported, Experian can not legally maintain this information in my file. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act, Experian is required to ensure that the data it maintains is reported with maximum possible accuracy. Furthermore, under 15 U.S.C. 1681i, I have the right to dispute and request deletion of any data that can not be verified. Experians continued publication of these derogatory payment notationsdespite showing no outstanding balancesfails to meet the accuracy standard and constitutes a violation of my rights as a consumer.

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 2025-07-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, I spoke with XXXX XXXX, requesting she take a payment and offer explanation as to why the payment made the day before was being returned. She would not take a payment, told me someone from the chairmans office would be calling me, and the {$20.00} returned check fee was being waived as a courtesy The statement dated XX/XX/XXXX, showed no returned check fee. The XX/XX/XXXX statement showed it had been added back. 
Throughout the month of XXXX, I requested assistance for payments and received no response. From anyone- not a call or letter. 
On XX/XX/XXXX, I received a letter saying I was delinquent and owed {$3600.00}. This amount had been paid in XXXX attached dates and confirmation numbers. No valid reason has been offered as to why that payment was returned. On XX/XX/XXXX, I mailed a payment of {$1900.00}, as requested on statement dated XXXX XXXX attached. This payment includes {$920.00} in late fees and {$20.00} returned check fee. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, verifying the receipt of the {$1900.00} ; {$920.00} applied to finish the balance of the XXXX mortgage and {$990.00} remained in suspense. Why were these funds not applied to the outstanding late charges, as stated on the bill? On XX/XX/XXXX, I received a letter stating that the suspense funds were applied to principal. Why? Today, I received a letter requesting XXXX payment plus outstanding fees. The malicious intent to do harm continues. Payment attempts were returned and refused with no explanation that is according to the terms of the loan. Then you add a late charge for XXXX payment?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-01 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
To Whom It May Concern, My name is [ XXXX XXXX ], and I am a legal permanent resident of the United States holding a valid XXXX XXXX. I have been a customer with Chase Bank, and my account has been frozen ( or closed ) for over XXXX months without any written notification or explanation from the bank. 

I visited a local Chase branch in XXXX XXXX to inquire about the issue, and I was told that my account is blocked and I am not allowed to open a new one. No further details were provided to me. I believe this lack of transparency is unfair and possibly unlawful. 

I am requesting a formal written explanation regarding : - The specific reason why my account was frozen or closed - Why I was not notified in writing - Whether my name has been reported to any banking databases such as XXXX If I do not receive a response within a reasonable time frame, I will be submitting formal complaints to the Consumer Financial Protection Bureau ( CFPB ) and the XXXX XXXX XXXX XXXX  XXXX XXXX ( XXXX ). 

Please respond to this request in writing at your earliest convenience. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-01 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: GA

Complaint narrative:
I called and spoke with XXXX XXXX XXXX in XXXX regarding my payment. I expressed that I was having financial difficulties due to my wife dissolving her business. My family experienced loss of income. XXXX stated they would approve an extension for the month of XXXX. Instead of doing this, they instead initiated the extension for XXXX. I thought we were caught up and to my surprise they hit me with a missed payment on my credit report. I called XXXX XXXX and they stated they see the notes and theyre not sure why that happened because I was granted an extension. She stated she could not help me, tough luck basically. She said I had to dispute with the credit bureaus. Of course nothing has changed with the disputes. This is insane and wrong to do this to people.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX XXXX XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ] - Creditor Name : [ XXXX ] - Account Number : [ XXXX ] - Reason for dispute : [ account not mine ]

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 2025-07-01 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: GA

Complaint narrative:
Subject : Identity Theft Complaint Negative Credit Reporting Due to Equifax Data Breach To Whom It May Concern, I am submitting this formal identity theft and data breach complaint as a result of the Equifax data breach, which compromised my personal information. I am the victim of unauthorized use of my credit profile, and there are negative items listed on my credit reports that I did not authorize, open, or consent to. 

Equifax admitted to a data breach in XXXX that exposed the personal information ( including names, Social Security numbers, dates of birth, addresses, and drivers license numbers ) of over XXXX XXXX consumers, including myself. This breach directly impacted my ability to maintain accurate credit records. 

Details of the Issue : I have discovered derogatory accounts/collections/unauthorized inquiries on my credit reports ( Experian, TransUnion, and Equifax ) that I did not initiate. 

These negative accounts are causing harm to my credit standing, which is unjustified given that my identity was compromised through no fault of my own. 
XXXX. XXXXXXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX I have no prior knowledge of these accounts or transactions, and I never gave authorization for them. 

This is a direct consequence of the negligence displayed by Equifax in protecting consumer data. 

My identity was compromised in the Equifax data breach ( XXXX ). XXXX XXXX XXXX. 

I have filed a dispute with the credit bureaus and provided documentation of my identity. 

I am requesting immediate removal of any fraudulent, inaccurate, or unverifiable negative items under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

These items must be removed unless you can fully validate them with original signed contracts and verified chain of custody.

Legal Notice : Per 15 U.S. Code 1681i ( FCRA ), if an item can not be verified, it must be removed within 4 days days. Additionally, under the FCRA and the FTCs guidelines, any information that results from identity theft must be blocked from credit reporting.

Failure to comply may result in civil and legal action, as I am prepared to escalate this matter to my states attorney general, the Consumer Financial Protection Bureau ( CFPB ), and pursue a private right of action under the FCRA. 

Requested Action : Immediately remove all negative and unauthorized items from my credit reports. 

Provide me with written confirmation of the deletions. 

Implement a security freeze or fraud alert if necessary. 

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 2025-07-01 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-07-01 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: GA

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( XXXX ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( 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 non-monetary relief
Consumer complaint received 2025-07-01 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: MN

Complaint narrative:
I'm contacting you to formally dispute and demand the immediate deletion of an item currently showing on my credit report. The information being reported is not accurate and does not meet the standards set forth under the Fair Credit Reporting Act ( FCRA ) specifically the requirement that all data reported must be complete, factual, and verified to the highest level of accuracy. 

This item fails to meet those standards. Whether its due to outdated information, missing context, or outright reporting errors, its clear that whats being shown does not reflect the truth and does not align with FCRAs maximum possible accuracy guideline. That makes it legally unacceptable, and I will not allow it to remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
My experian credit report is filled with nothing but inaccurate information. When I tried to remove it through their dispute filing online it wouldnt let me. When I called the rep told me I couldnt have it removed without providing new info. 
The information on my report has everything from friends addresses to my fathers phone number to jobs Ive never worked. Nothing is up to date or accurate and they wouldnt remove it and they wouldnt tell me how that information got there. 
There were only XXXX addresses on the entire thing that were correct. They also tried to force me to sign up for paid memberships and give them information I didnt feel comfortable. Its honestly quite frightening that their system is so inaccurate and there is nothing we as consumers can do about it and when you call their customer service they wont help you or give you any information either. This shouldnt be legal. 
Not to mention their XXXX XXXX reporting is wildly inaccurate. I have the same score on transition and XXXX but XXXX is XXXX points lower but has the same scores from my cards however they want you to pay for a membership in order to boost your score. Again how is this legal?

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