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

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 non-monetary relief
Consumer complaint received 2025-05-05 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: NY

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-05-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Setting up an escrow account for taxes and insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
I closed on my home on XX/XX/XXXX. XXXXXXXX XXXX XXXXXXXX XXXX was due from Mr. Cooper/Nationstar to XXXX on XX/XX/XXXX. XXXX has not received as of XX/XX/XXXX. XXXX was {$12000.00}. Closing XXXX XXXX reflects that Mr. Cooper/Nationstar paid this invoice based on the Escrow charge of {$1600.00} i.e. Negative Escrow. XXXX Escrow was positive {$9400.00} with a further payment on XXXX of {$1100.00}. So there was {$10000.00} in Escrow when the Homeowners insurance became due. The further - {$1600.00} in the XXXX payoff totals up to the {$12000.00} due to XXXX. Bottom line Nationstar claim to have paid XXXX but XXXX say they have not received. Need proof of payment from Nationstar so that XXXX can stop asking me for payment and can also process a refund for the prorated XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: FL

Complaint narrative:
Received a phone call asking for money from a debt I supposibly had. Money was send never get clear or was not a real company

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a request for a statement of account per UCC 9-210 with regards to a XXXX credit card reporting a {$300.00} unsatisfied debt balance on this consumer credit profile.

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

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-05 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: CA

Complaint narrative:
" I have repeatedly notified Experian of inaccurate personal information on my credit report. Despite my efforts, they continue to report this incorrect information, which is not only unfair but also a violation of legal consumer rights ''

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 2025-05-05 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: TN

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$9700.00} Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$17000.00}

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

Complaint narrative:
Under 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are strictly prohibited from furnishing consumer credit information without explicit consent from the consumer. I affirm that I did not consent to the furnishing or reporting of the following items : XXXX XXXX  XX/XX/XXXX TransUnion XXXX OF XXXX XX/XX/XXXX TransUnion XXXX BANK XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX CARS XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX OF XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Despite my XXXX request, XXXX have continued to report collection activities without furnishing the required verification or providing documentation such as a judgment.

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 2025-05-05 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: FL

Complaint narrative:
I, XXXX XXXX, am a victim of identity theft, and I previously disputed and had the XXXX XXXX XXXX collection account reported by XXXX XXXX XXXX removed from my credit report. However, this account was recently reinserted without proper notice, violating 15 U.S. Code 1681i ( a ) ( 5 ) ( B ), which mandates that a consumer be notified in writing within 5 business days if a previously deleted item is reinserted. No such notice was ever received.

Additionally, this account stems from a fraudulent XXXX XXXX XXXX contract that I never authorized or signed, and which is already included and documented in my official FTC Identity Theft Report ( Report # XXXX ). Therefore, continuing to report this item constitutes willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and a failure to conduct a reasonable reinvestigation as required under Section 611 ( a ) ( 1 ) ( A ).

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 2025-05-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: VT

Complaint narrative:
I have a credit card through Chase, and XXXX currently paying {$110.00} in interest ( this month. ) Last month it was {$110.00} in interest. 

Chase would not allow me to split my monthly bill. Such as {$100.00} on the XXXX, and {$100.00} on the XXXX. So I keep getting slammed with a {$40.00} late fee on top of the interest charges each month. 

I will not get this card later off ever. I cant even pay back the money I borrowed. Im just paying interest and late fees. 

I need help getting the interest rate lowered or Chase to allow me to split my payments, with out a late fee. 

Chase said no they cant work with me, to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am filing this formal complaint against XXXX XXXXXXXX XXXX  for illegal credit reporting practices that are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my account with XXXX XXXX being paid in full and closed since XX/XX/XXXX, they have continued to report it as active and have illegally reaged the account by updating the reporting dates in XXXX and XXXX. This is a blatant FCRA violation, specifically : 15 U.S. Code 1681c ( a ) prohibits furnishing obsolete information.

15 U.S. Code 1681s-2 ( b ) mandates accurate reporting and timely correction of disputed information.

15 U.S. Code 1692e ( 8 ) forbids communication of false credit information, including failing to report a debt as disputed.

Reaging a closed and paid account to make it appear newly delinquent is not only deceptiveits a calculated attempt to damage my credit standing. I have made multiple attempts to resolve this directly with the company, but they have refused to correct the false information or cease illegal reporting.

Let it be known that if this matter is not resolved immediately, I will be pursuing civil action under FCRA 1681n and 1681o, which entitles me to actual damages, statutory damages, punitive damages, and attorney fees.

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 2025-05-05 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: NC

Complaint narrative:
I am filing this formal complaint against XXXX XXXX Bank for illegal credit reporting practices that are in direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Despite my account with XXXX XXXX being paid in full and closed since XX/XX/XXXX, they have continued to report it as active and have illegally reaged the account by updating the reporting dates in XXXX and XXXX. This is a blatant FCRA violation, specifically : 15 U.S. Code 1681c ( a ) prohibits furnishing obsolete information.

15 U.S. Code 1681s-2 ( b ) mandates accurate reporting and timely correction of disputed information.

15 U.S. Code 1692e ( 8 ) forbids communication of false credit information, including failing to report a debt as disputed. Reaging a closed and paid account to make it a
ppear newly delinquent is not only deceptiveits a calculated attempt to damage my credit standing. I have made multiple attempts to resolve this directly with the company, but they have refused to correct the false information or cease illegal reporting.

Let it be known that if this matter is not resolved immediately, I will be pursuing civil action under FCRA 1681n and 1681o, which entitles me to actual damages, statutory damages, punitive damages, and attorney fees.

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 2025-05-05 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: MI

Complaint narrative:
Subject : Formal Notice of Intent to Initiate Civil Litigation To Whom It May Concern : This correspondence shall serve as my formal Notice of Intent to Sue Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and other applicable consumer protection statutes. 

Despite multiple formal disputes and legal notices, your agencies have continued to report inaccurate, unverified, and unlawful information on my consumer credit file, causing irreparable harm to my financial standing, credit reputation, and peace of mind. 

Specifically, the violations include but are not limited to : Continued reporting of inaccurate derogatory items ( including late payments, hard inquiries, and repossessions ) Failure to conduct lawful and timely reinvestigations as required by 15 U.S.C. 1681i Reporting of accounts that were never authorized or opened by me, or that are subject to exclusion under 15 U.S.C. 1681a-2 Failure to block fraudulent or disputed items under 15 U.S.C. 1681c-2 Furnishing of information by data furnishers that violate 15 U.S.C. 1681s-2 ( a ) Negligent and/or willful noncompliance resulting in tangible and intangible damages Legal Remedies Sought : Should this matter not be fully resolved within 10 calendar days from receipt of this letter, I will initiate legal proceedings in XXXX XXXX XXXX. The complaint will include claims for : Statutory damages under 15 U.S.C. 1681n and 1681o Punitive damages for willful noncompliance Actual damages, including denial of credit and reputational harm Attorneys fees and legal costs Injunctive relief to compel permanent removal of all disputed data This is not a threat but a declaration of legal recourse based on your continued violations of federal law. 



Final Opportunity to Cure : You may avoid litigation by : 1. Removing all inaccurate and disputed accounts from my credit report 2. Providing written confirmation of such action within 10 days 3. Ensuring no re-reporting of such items in the future without full legal certification GOVERN YOURSELVES ACCORDINGLY. 



Sincerely, : 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This morning, I discovered some incorrect accounts listed on my credit report, and I have no clue how they got there. I reviewed my credit report like I normally do, but this time I found unexpected discrepancies. I even refreshed my browser thinking it might be a technical glitch, but the incorrect accounts remained. Given this, Im requesting a careful review of the documents Ive submitted so I can finally have peace of mind.

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

Complaint narrative:
On XX/XX/year> I notice an account on my credit report didnt belong to me. This account XXXX XXXX XXXX XXXX in the amount of {$31000.00} i didnt open. I immediately did a XXXX XXXXXXXX report and ftc report and called the creditor. I have include a police report and ftc report and copy of my Drivers license. My information was taken from a breach yall had in your system.

Company response to consumer: Closed with non-monetary relief