vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XXXX, I fell behind on a credit card account with JPMCB CARD SERVICES ( Chase ). The account was charged off in XX/XX/XXXX. According to the Fair Credit Reporting Act, negative information such as a charge-off should be removed after XXXX XXXX  from the date of first delinquency which would be XX/XX/XXXX at the latest. 

However, JPMCB CARD SERVICES ( Chase ) is continuing to report this account in a way that makes it appear more recent than it is. I believe they are re-aging the account by updating activity dates or using the date I settled the debt ( in XXXX ) to justify keeping it on my credit report past the legal reporting period. This is misleading and harmful. According to FCRA 605 ( c ), adverse information such as a charge-off must be removed XXXX XXXX  from the original date of delinquency that led to the account being charged off not from the date of payment, settlement, or other activity. 

I filed several disputes, the most recent one in XX/XX/XXXX, but the account continues to be reported and they refuse to remove it from the credit bureaus. I am requesting that the CFPB require JPMCB CARD SERVICES ( Chase ) to accurately reflect the true date of first delinquency and remove the account from my credit report in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This letter serves as my formal demand for the immediate deletion of the following inaccurate, unverified, and non-compliant data being reported on my credit file. The report I received contains alarming inaccuracies and unsubstantiated claims that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and fail to meet XXXX XXXX reporting standards. 

You are required by law to ensure maximum possible accuracy under 15 U.S. Code 1681e ( b ). Any claim, account, inquiry, or personal identifier listed below that lacks verified evidence, documented ownership, or permissible purpose must be deleted immediately. 

PERSONAL INFORMATION BEING CHALLENGED : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEMAND FOR COMPLIANCE : I demand full validation of each account and inquiry, including : Permissible purpose Original application or signature Chain of custody for data entry XXXX XXXX field compliance per the 2020 CRRG Authorized business relationship Failure to respond with verifiable proof within 30 calendar days, as required by FCRA 611 ( 15 U.S. Code 1681i ), will result in an immediate complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under FCRA 616 & 617.

If you can not validate the accuracy and legal basis of the above entries, you must DELETE them from all records and provide an updated copy of my credit report reflecting those deletions. 

I expect full compliance without 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 2025-06-25 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: TX

Complaint narrative:
This letter serves as my formal demand for the immediate deletion of the following inaccurate, unverified, and non-compliant data being reported on my credit file. The report I received contains alarming inaccuracies and unsubstantiated claims that violate my consumer rights under the Fair Credit Reporting Act ( FCRA ) and fail to meet XXXX XXXX reporting standards. 

You are required by law to ensure maximum possible accuracy under 15 U.S. Code 1681e ( b ). Any claim, account, inquiry, or personal identifier listed below that lacks verified evidence, documented ownership, or permissible purpose must be deleted immediately. 

PERSONAL INFORMATION BEING CHALLENGED : Incorrect Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEMAND FOR COMPLIANCE : I demand full validation of each account and inquiry, including : Permissible purpose Original application or signature Chain of custody for data entry XXXX XXXX field compliance per the 2020 CRRG Authorized business relationship Failure to respond with verifiable proof within 30 calendar days, as required by FCRA 611 ( 15 U.S. Code 1681i ), will result in an immediate complaint filed with the Consumer Financial Protection Bureau ( CFPB ) and potential legal action for willful noncompliance under FCRA 616 & 617.

If you can not validate the accuracy and legal basis of the above entries, you must DELETE them from all records and provide an updated copy of my credit report reflecting those deletions. 

I expect full compliance without 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I requested for XXXX XXXX to avoid loosing the property. 

Received correspondance for completed package and now getting to runarounds. 

I have not received any new terms of reduced payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Sequium Asset Solutions, LLC
State: AR

Complaint narrative:
SEQUIUM ASSET SOLUTION # XXXX Im unaware of this debt and did not get the opportunity to dispute this account. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete account # XXXX from my report as soon as possible or I will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BMO BANK NATIONAL ASSOCIATION
State: MN

Complaint narrative:
I opened a checking account with BMO around a month ago. I initially deposited {$25.00} online to open this account. I activated my debit card and set up online banking in a usual manner. I had my employer deposit more than half of my paycheck ( around {$1000.00} ) to this account via direct deposit. The day I was supposed to get my paycheck ( XX/XX/year> ) I realized that I could not access my online banking portals anymore. I called their customer service to learn more. They told me that they are closing my account and they would not specify a reason, other than me being a " risky '' customer. They waited to do this for a month, right until my paycheck was deposited. Now, my rent is due in a few days and since I won't be able to get my paycheck in that timeframe ( if ever ), I won't have enough to pay my rent, unless I use my credit card ( which will incur additional fees ). I was never late for a payment of any sorts. I was never involved in illegitimate, illegal, or fraudulent activity. This is predatory behavior by BMO.

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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CL Holdings LLC
State: CA

Complaint narrative:
I've been making payments to XXXX also known as XXXX currently known as XXXX. I recently pulled my credit to find that this company charged off this account and did not notify me. I have been paying XXXX via direct pay from my bank. In total I've paid {$900.00} towards the balance. When I pulled my report I noticed a company I had no knowledge of reporting that they are owed for the balance of {$1200.00} noting the original creditor as XXXX. I am disputing not only the balance owed but that I have been sending payment to XXXX and they have not made any attempts to inform or correct anything. As of this complaint/dispute XXXX has not sent any notices since I requested and inquired about this account in XXXX and XX/XX/scrub> 2024 nor have they provided a XXXX after charging this debt off. 
Also it shows I've made payments on this account to Jefferson Capital, again I do not know this company nor have I sent payment. Payments have only been made to the original creditor XXXX XXXX it's odd that the original creditor is holding the recent payments that have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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:
This letter is a formal dispute regarding an unauthorized hard inquiry on my credit report. I have reviewed all of my financial activities and confirmed that I never requested any credit, loan, or account that would justify this inquiry. This unauthorized inquiry not only violates my privacy but also impacts my credit score negatively. The Fair Credit Reporting Act prohibits credit bureaus from publishing information that is not accurate or verifiable.

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 2025-06-25 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: NJ

Complaint narrative:
I am filing a complaint regarding multiple inaccurate, duplicate, and misleading accounts reported by XXXX XXXX XXXX and XXXX  XXXX on my credit reports from XXXX, XXXX, and Equifax. 

XXXX XXXX is reporting the same debt TWICE both entries show a {$220.00} balance, opened on the same date ( XX/XX/XXXX ), and refer to the same original creditor, XXXX XXXX XXXX. This is a duplicate entry and is falsely inflating my debt and damaging my creditworthiness. 

Additionally, XXXX XXXX is still reporting the original account as Paid as agreed and Canceled by credit grantor, even though it appears the debt was sold to collections. This causes double reporting of the same account, and XXXX XXXX should not be reporting it if it was charged off and sold. 

Furthermore, the date opened on the XXXX XXXX accounts is listed as XX/XX/XXXX, although the last activity on the original account was in XXXX. This appears to be re-aging of the debt, which violates the Fair Credit Reporting Act ( FCRA ). 

I disputed these accounts with the credit bureaus and requested removal of both XXXX XXXX entries and the original XXXX XXXX entry. If XXXX XXXX is valid, XXXX XXXX is not. If XXXX XXXX is valid, XXXX XXXX should no longer report the account. 

I am requesting that the CFPB investigate these violations of : FCRA Section 607 ( b ) : Accuracy in reporting FCRA Section 623 : Obligation of furnishers to report accurately Prohibition on re-aging of debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
These accounts have resulted in several fraudulent inquiries appearing on credit report. All of the aforementioned inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft as proof from the US Federal Trade Commission that all of the aforementioned inquiries are the result of identity theft and fraud. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/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 non-monetary relief
Consumer complaint received 2025-06-25 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: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I recently reviewed my credit report and noticed some unauthorized accounts/information reporting to my credit report that has been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 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: WA

Complaint narrative:
The addresses currently listed under my personal information are inaccurate and should not be associated with me. I have attached the necessary documentation to confirm my correct information. I am formally requesting that these incorrect addresses be promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-06-25 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: KY

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I pulled my reports and seen some fraudulent hard inquiries on there and i need them removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-25 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: TX

Complaint narrative:
The last communication was sent on XX/XX/XXXX ( after not being contacted for a while ). The information that they sent me says I owe {$4100.00} due to breach of contract. First, the collection agency is called XXXX XXXX, and they don't owe the account. In the credit report, it says that the date the account was opened is XX/XX/year>. This is impossible on my end because I was a homeowner in the timeframe they said the account was opened. Besides, this account seems to appear as charged-off.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-25 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:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Date XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$33000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$170.00} Date Opened : XX/XX/year> ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$10000.00} Date XXXX. Under 15 U.S. Code 1681 ( a ) : ( XXXX ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. ( XXXX ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. The inaccurate late payment entry be permanently removed from my credit report. My credit file be updated to reflect my accurate payment history. Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

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 2025-06-25 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: TX

Complaint narrative:
This COMPLAINT serves as a formal follow-up to my previous complaint submitted last month regarding inaccurate and damaging information being reported on my credit file. I am requesting your immediate assistance in launching a formal investigation into the reporting of a late payment that I categorically deny. I have never been late on the account ( s ) in question. I have always made my payments on time and have maintained a responsible credit history. The inclusion of any late payment ( s ) on my credit report is inaccurate and a clear reporting error, either by your agency or the original creditor. This inaccurate information is causing me significant distress and has already resulted in a wrongful denial of credit, which was not only financially damaging but personally embarrassing. As you are no doubt aware, credit bureaus are legally obligated to ensure the accuracy of consumer data under the Fair Credit Reporting Act ( FCRA ). ACCOUNT : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date XXXX Balance : {$180.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> Balance : {$33000.00}. Under 15 U.S. Code 1681 ( a ) : ( XXXX ) The banking system depends on accurate and fair credit reporting. Errors disrupt system efficiency and damage consumer trust. ( XXXX ) Consumer reporting agencies have a critical duty to properly assemble and evaluate information on consumers. Given that the reported late payment is erroneous, I am formally requesting that : A full reinvestigation of this item be conducted in accordance with the FCRA. The inaccurate late payment entry be permanently removed from my credit report. My credit file be updated to reflect my accurate payment history. Please consider this a formal dispute under the FCRA. I respectfully request that you provide written confirmation once this error has been investigated and removed.

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