vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
DISPUTE/S REPORT DETAILS : Report Created On : XX/XX/XXXX File Identification Number : XXXX Provided by XXXX XXXX XXXX Although several of the disputes I submitted were marked as verified as accurate, I have noticed a concerning pattern : after each investigation was completed, certain furnishers updated the account information in ways that negatively impacted my credit reporteven when no new delinquency or activity had occurred. 

Specifically, I have listed the credit card companies I believe engaged in this practice, along with the corresponding account names and dispute investigation results. All disputes with the following companies were " VERIFIED AS ACCURATE and UPDATED : The disputed item ( s ) was verified as accurate ; however, other information has also changed. '' Although disputes were corrected, all " changes '' made to report in addition were negative. I hesitate to dispute anything on my report due to this negative reaction- regardless of my dispute being VERIFIED or not. 

JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Of particular concern is one account where, after my dispute was verified as accurate, the furnisher changed the payment history to reflect a 60-day delinquency in XX/XX/XXXX. Prior to this, the payment was consistently reported as 30 days late for years and never marked as severely delinquent. All other months on this account reflect delinquencies of 30 days or less, yet the furnisher altered just this one monthretroactively and without justificationcausing the overall status of the account to become adverse. 

This change occurred in XXXX, XXXX years after the original delinquency, and only after my dispute was submitted. I believe this action was retaliatory or unjustified, and part of a broader issue where furnishers respond to consumer disputes not just by verifying information, but by adding or escalating negative data that was never previously reported. 

DETAILS OF THIS DISPUTE/COMPANY RESPONSE ARE AS FOLLOWS : NAME OF COMPANY : JPMCB CARD SERVICES XXXX XXXX XXXX XXXX, DE XXXX PAYMENT STATUS AS REPORTED BY COMPANY : Paid, Closed ; was Paid as agreed FORMAL DISPUTE RESULTS AS WRITTEN/REPORTED BY JPMCB CARD SERVICES " We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE ; however, we updated : Maximum Delinquency ; Rating. Here is how this account appears on your credit report following our investigation. '' I respectfully request that this matter be thoroughly reviewed and that appropriate steps be taken to ensure that retroactive updates following disputes are fully substantiated and not used to penalize consumers for exercising their right to dispute inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: PA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
In XXXX, I applied for what I believed was a standard XXXX  loan from Navy Federal Credit Union ( NFCU ) to purchase a XXXX wheel travel trailer. I requested financing specifically for an XXXX, and NFCU verbally confirmed this was an XXXX loan. I was never told it was a personal loan. 

The total loan amount was {$37000.00}, and it was used to purchase a XXXX Impression XXXX XXXX wheel trailer ( VIN : XXXX ). I have made consistent monthly payments for over XXXX years, yet the loan balance has barely changed. In fact, as of XX/XX/XXXX, the outstanding balance is {$36000.00}, and the payoff amount is now {$38000.00} more than the original loan. 

I reviewed the loan summary in my NFCU account, and its categorized as a Personal Expense with Collateral not a secured XXXX loan. Although the trailer appears to be listed as collateral, the loan terms reflect an unsecured personal loan with a high interest rate and poor amortization structure. I was never provided clear, written disclosure that this was not a traditional XXXX loan. 

I took this loan in good faith based on what NFCU told me and advertised. I believe this is a case of misrepresentation and failure to disclose material loan terms, possibly violating Truth in Lending and unfair lending regulations. As a veteran, I also trusted NFCU due to its branding as a military-friendly institution. 

Im seeking a full review and request that NFCU restructure the loan as a proper secured XXXX  loan or offer fair resolution based on the loans misleading origin.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
Date : XX/XX/XXXX To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX And TransUnion XXXX XXXX. XXXX XXXX XXXX, PA XXXX Subject : Formal Dispute Request for Permanent Deletion of Inaccurate Late Payment Notations Dear Equifax and TransUnion Dispute Departments, I am formally disputing inaccurate late payment entries currently appearing on my credit reports with your agencies. The accounts and disputed payment months are as follows : XXXX XXXX XXXX Reported Late : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These notations are factually incorrect and are negatively impacting my credit profile. Both of these accounts were paid in full and on time. At no time was I delinquent or behind on my obligations with either of these creditors. 

Legal Grounds for Deletion : FCRA Section 623 15 U.S.C. 1681s-2 Furnishers of credit information are legally required to ensure the accuracy and integrity of what they report. False or unverified late payments violate this statute.

15 U.S.C. 1666b Credit Card Payment Timing Protections Payments received by the due date and within the cut-off time must be treated as timely. If the creditors failed to do so and furnished incorrect data to your bureau, it constitutes a violation of this consumer protection law. 

My Formal Requests : 1. Reinvestigate the reported late payments for the above two accounts.

2. Permanently delete these late notations from my Equifax and TransUnion credit reports if they can not be substantiated.

3. Provide written confirmation of the outcome of your reinvestigation and any corrections made to my credit file.

4. Block any future reinsertion of this information unless fully verified, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

If this matter is not fully resolved within the 30-day window required by the Fair Credit Reporting Act ( FCRA ), I am prepared to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and consider legal remedies under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I recently received and copy of my credit report and noticed several inaccuracies serval inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: CA

Complaint narrative:
I recently received and copy of my credit report and noticed several inaccuracies serval inaccuracies and unauthorized account information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-15 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:
Date : XX/XX/year> To : Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute Request for Permanent Deletion of Charged-Off Accounts Dear Equifax Dispute Department , I am writing to formally dispute the reporting of the following charged-off accounts currently appearing on my Equifax credit report : XXXXXXXX XXXX XXXX XXXXXXXX {$5100.00} XXXX XXXX {$21000.00} I have reason to believe that these accounts are either inaccurately reported, unverifiable, or no longer legally valid. Their continued appearance on my credit file is negatively impacting my credit profile and may violate federal consumer protection laws.

Applicable Federal Consumer Protection Laws : 31 U.S.C. 5118 This law safeguards consumers from being held accountable for financial obligations that are not lawfully originated or enforceable. If these accounts are charged-off and no longer represent collectible debts, their reporting may be unlawful.

15 U.S.C. 1681e ( b ) Under the Fair Credit Reporting Act ( FCRA ), Equifax is required to use reasonable procedures to assure maximum possible accuracy of consumer credit file data. If these accounts can not be verified with original, signed documentation and full itemized histories, they must be removed. 
My Formal Requests : Conduct a reinvestigation of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX charged-off accounts. 
Permanently delete both accounts from my Equifax credit report if the required documentation ( including original signed contracts and complete payment histories ) can not be provided. 
Block reinsertion of these accounts unless they are verified in full compliance with 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Provide written confirmation of the results of your reinvestigation and details of any actions taken.

Failure to respond within the 30-day timeframe established by the FCRA will prompt me to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider pursuing legal remedies under 15 U.S.C. 1681n and 1681o for any willful or negligent noncompliance.

Thank you for your prompt attention to this matter. I expect full compliance and resolution under applicable federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
I am currently reviewing my Equifax credit report and there are addresses reporting on my credit report that are not mine. 
Below are the addresses that I would like to have permanently deleted : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 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:
Equifax Information Services XXXX XXXX XXXX XXXX XXXX, Georgia XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX 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 : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 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:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within XXXX business days of receipt : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-15 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:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within XXXX business days of receipt : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-15 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: CA

Complaint narrative:
I identified several materially inaccurate and unverifiable entries on my Equifax credit report that are negatively affecting my credit profile. These include accounts falsely marked as included in bankruptcy, outdated charge-offs, and accounts with contradictory or misleading payment histories. 
Some accounts show delinquencies after the alleged bankruptcy period, which is not legally permissible. One account was satisfied in full by insurance due to a vehicle loss but is still being misreported as included in bankruptcy. Others are showing balances and statuses that lack supporting documentation or exceed legal reporting limits ( e.g., charge-offs from XXXX still active in XXXX ). 

Despite my attempts to dispute these errors directly with Equifax, no adequate reinvestigation has taken place. I have closed XXXX and explicitly revoked its authorization to verify my public record data. Therefore, any continued reporting based on unverifiable or third-party data violates the Fair Credit Reporting Act. 

I am requesting the immediate removal or correction of all inaccurate, outdated, and unverifiable entries and a full explanation of XXXX method of verification, as required under federal 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 2025-06-15 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-15 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: TN

Complaint narrative:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-06-15 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: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ LA XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX XXXX ] Account Number : [ 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 2025-06-15 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: Momnt Technologies, Inc.
State: CA

Complaint narrative:
The company Momnt has sent 30 days late on XX/XX/XXXX, payment is not due till XX/XX/XXXX. When I spoke to a Momnt rep, they informed me the system automatically generated a 30 day late payment. I believe it also caused XXXX to show 60 days late, since XXXX was submitted as late. XXXX was paid on XX/XX/XXXX. I don't understand how it can show 30 days late, when paid on time. The rep gave me incorrect information causing these late payments. I told them since they record the conversation to go back and listen, I haven't been late on any payment in almost 2 decades, and I have Multiple accounts that vary. But now I do, since I started dealing with this company. Also they never reported payments that was paid XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It's a blank as if no payment was ever made. shows, ND. not sure what that means. And to make matters worse, the reason I got this line of credit was to redo my bathroom. which was never completed. So I'm paying this back for a job that was never finished.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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:
This is my THIRD attempt to resolve the fraudulent information on my credit report under FCRA 605B. I previously submitted a valid FTC Identity Theft Report and supporting documents confirming the fraudulent nature of these accounts and inquiries. 
You are LEGALLY REQUIRED to block these items within four business days of receipt : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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