vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute several items listed on my credit report that I believe to be inaccurate or incomplete. Below are the details of the accounts and inquiries that are currently in dispute. Please separate the dispute for each credit bureau : Equifax ( XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). 

Inquiries XXXX XXXX XXXX ( XXXX ) Date of Inquiry : XX/XX/year> XXXX XXXX XXXX  Date of Inquiry : XX/XX/year> XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Dear Sir/Madam, I am writing to file a dispute regarding the following accounts that appear on my credit report. These accounts are incorrect and I request a thorough investigation and removal of inaccurate entries. The details for each bureau are as follows : Charged Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$16000.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$500.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: Saint Services LLC
State: CA

Complaint narrative:
i saw ad on XXXX that CREDIT SAINT helps fix credit score. they charged me {$220.00} for almost 5 months and did not bring my credit score up. i reached out to them and told as per the offer if my credit score does not jump up, they will refund my money. My credit score is still poor and they refuse to return my money. the person on phone said I rendered services.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am submitting this complaint to formally dispute the continued reporting of a XXXX XXXX listed on my consumer credit reports as XXXX  XXXX. This public record is being inaccurately, unlawfully, and willfully reported in violation of the Fair Credit Reporting Act ( FCRA ), applicable XXXX XXXX reporting standards, and federal consumer protection laws. 

The XXXX XXXX XXXX associated with this reference number was filed in XXXX  and discharged in XX/XX/year>. Under 15 U.S.C. 1681c ( a ) ( 1 ), negative public record information may not be reported beyond seven years from the date of disposition. Despite the expiration of the permissible reporting period, this bankruptcy continues to appear on my credit file as a current derogatory public record well beyond the allowable timeframe.

Additionally, the reporting of this public record is incomplete, inconsistent, and unverifiable. The credit bureaus list conflicting reference numbers, missing or inconsistent filing and closing dates, and lack any evidence of recent verification or certified documentation obtained directly from the U.S. Bankruptcy Court.
Metro 2 standards require that public records be reported with precise court data, verified sources, and accurate removal dates. These requirements have not been met.

By continuing to report this obsolete and defective public record, the credit reporting agencies have failed to follow reasonable procedures to assure maximum possible accuracy, in direct violation of 15 U.S.C. 1681e ( b ). Furthermore, their failure to properly reinvestigate and delete obsolete information after notice constitutes noncompliance with 15 U.S.C. 1681i ( a ).

I have previously disputed this public record, yet it remains unchanged. No proof of lawful verification, certified court documentation, or compliance with Metro 2 reporting requirements has been provided. Continued reporting under these circumstances demonstrates willful and reckless disregard for my consumer rights.

I am requesting the following corrective actions : Immediate and permanent deletion of the public record titled XXXX  XXXX from all consumer credit reports and internal databases.

Written confirmation that this obsolete public record has been fully removed and will not be reinserted.

Assurance that all reporting practices moving forward will comply with the FCRA and Metro 2 standards.

If this matter is not resolved promptly, I request regulatory enforcement and any remedies available under federal law for continued noncompliance.

This complaint is submitted in good faith and supported by documentation showing the bankruptcy was discharged in XXXX  and is now legally obsolete

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 2025-12-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you review this entry? I wrote it late and it may be inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance 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 2025-12-16 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: DC

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
In XX/XX/XXXX, I purchased a one-year XXXX XXXX subscription for {$180.00}, which established the agreed annual price for the service. 

In XX/XX/XXXX, XXXX XXXX charged my account {$390.00} for the same Premium subscriptionmore than double the prior agreed pricewithout my consent to any updated pricing or terms. 

After I disputed the charge, XXXX XXXX revoked Premium access entirely. As a result, I received no Premium service while XXXX XXXX retained the payment. 

I attempted to resolve this directly with XXXX XXXX through their established support channels. My request was escalated to human staff and then ignored. No explanation for the price increase was provided, and service was not restored. 

I then filed a billing dispute with Bank of America and provided documentation showing : ( 1 ) the original XXXX charge amount, ( 2 ) the XXXX charge amount, ( 3 ) lack of Premium service after billing, and ( 4 ) refusal by XXXX XXXX to engage or correct the issue. 

Bank of America denied my dispute four times, relying on generic merchant refund-policy screenshots and failing to address the core billing errors : an incorrect amount charged and services not rendered.

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 2025-12-16 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: FL

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-12-16 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: CA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-12-16 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: IL

Complaint narrative:
Dear Sir/Madam, I am a consumer in the process of fixing my credit and I am writing to dispute inaccuracies found on my credit report. Below is a list of accounts that are being disputed. I request that the necessary corrections be made, as these entries do not accurately reflect my credit history. 

CHARGED OFF : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$320.00} XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} UNAUTHORIZED Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$300.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$600.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
My regular monthly payment is around $ XXXX {$200.00} including tax, as shown in most statements from XXXX and XXXX. 

However, I have been repeatedly overcharged in statements : - XX/XX/XXXX : {$390.00} ( almost double the normal amount ) - XX/XX/XXXX : {$380.00} - XX/XX/XXXX : {$370.00} This appears to be a recurring billing error, as normal payments are consistently $ XXXX {$200.00} ( for example, XX/XX/XXXX was {$180.00} ). 

I contacted customer service to report the issue and spoke to a representative named XXXX, but she was rude, interrupted me, laughed mockingly, refused to accept proof, and dismissed my concern. 

No correction has been made despite my contact with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: OH

Complaint narrative:
I am disputing a telecommunications collection account being reported by Credit Control LLC ( original creditor : XXXX  ). Credit Control is attempting to collect and report a debt that has not been properly validated and is not owed as reported. 

I requested validation of this alleged debt, including proof that I owe the account, the accuracy of the balance, the date of first delinquency, and documentation showing Credit Controls authority to collect and report this debt. Credit Control failed to provide this information. 

Despite the lack of validation, Credit Control continues to report this account to consumer reporting agencies. The account is reported inconsistently across credit bureaus, further demonstrating inaccurate and unreliable reporting. 

Continuing to report and attempt to collect an unverified debt violates the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I am requesting a full investigation and permanent removal of this account from my credit report if it can not be properly verified.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 2025-12-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellantis Financial Services US Corp.
State: AL

Complaint narrative:
STELLANTIS FINANCIAL SERVICES Account : Closed {$0.00} Balance Violations Conflicting repossession ( R ) and chargeoff ( CO ) codes. 
ND months mixed with delinquencies ( Metro 2 violation ).

Demand : Delete due to unverifiable and misleading reporting.

FINAL NOTICE Failure to comply within XXXX days will be documented as willful or negligent noncompliance with the FCRA, FDCPA, CARES Act, Metro 2 standards

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 2025-12-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
I am looking to sell a property I own in XXXX. On XX/XX/XXXX, Rushmore Servicing ( part of Mr Cooper ) generated a payoff statement that included a pre-payment penalty. The property had a fire and per the loan docs I should not be having to pay a pre-penalty if something like a fire were to happen at the property. I called rushmore servicing and they took XXXX weeks to investigate the issue and receive approval from the actual lender to waive the fee. After that, I told Rushmore there money in the insurance escrow account paid out from the insurance company due to the fire which should pay down the mortgage amount on the payoff statement. They bounced me around for XXXX week to get all the right documents submitted to generate a payoff statement. On that statement, the mortgage amount was reduced by the funds in the insurance escrow account and the pre-payment penalty was reduced but now they added on " Other fees '' and don't know why these fees are there. I have reached out on XX/XX/XXXX asked to rectify this issue and it's now XX/XX/XXXX with no progress. PLEASE HELP ME!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
JPMCB XX/XX/year> ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AM FILING THIS COMPLAINT BECAUSE I NEVER APPLIED FOR THIS CREDIT CARD. I DON'T KNOW HOW THIS HAPPENED PLEASE I NEED YOU TO REMOVE THIS ACCOUNT FROM MY CREDIT HISTORY.THANK YOU VERY MUCH FOR YOU HELP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: AZ

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: CA

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-12-16 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting. 

Outstanding Compliance Issues :

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 2025-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I was a long time customer of Citizens Bank XXXX. I applied for a loan through XXXX XXXX. The agent for XXXX XXXX put money for the loan in my accounts. Then kept asking me to send money back. I believe I was a fraud victim. Citizens Bank closed my accounts. My Social Security Retirement benefits were going into the Citizens Bank checking. All I have been told is that my accounts are under review and closed. I did not receive my XXXX Social Security Retirement payment.

Company response to consumer: Closed with explanation