vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: AL

Complaint narrative:
My account with EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Valon Technologies, Inc.
State: MO

Complaint narrative:
I am a mortgage professional and have been dealing with a serious and prolonged escrow servicing error by XXXX Mortgage since XX/XX/XXXX. On XX/XX/XXXX, I was notified that my property taxes had been paid in the amount of {$3900.00}. I immediately knew this was incorrect. My actual tax bills total {$2000.00} ( {$34.00} and {$2000.00} ). 

The error was caused by XXXX requesting the bill from XXXX XXXX using my physical address ( XXXX Highway D ), but XXXX XXXX still lists my property as XXXX Highway XXXX As a result, XXXX XXXX the wrong tax bill for my neighbor, XXXX doors down. 

I first contacted XXXX on XX/XX/XXXX and sent them full documentation, including my correct bills and proof of the error. I followed up by phone on XX/XX/XXXX XXXX, XXXX, XXXX, and XX/XX/XXXX. Despite these efforts, I have received no formal resolution or refund of the overpayments. XXXX refunded the incorrect payment to my escrow account on XX/XX/XXXX, but did not adjust my monthly payment or issue a refund check or even let me know. I found out on my own research Since XX/XX/XXXX, my monthly mortgage payment has been incorrectly increased by {$370.00}. Ive paid it every month to avoid late fees or credit damage. As of XX/XX/XXXX, I will be out {$2500.00} in overpayments money I can not recover until XXXX takes action. 

This issue has gone unresolved for over 6 months. I understand my payment XXXX eventually be corrected once XXXX XXXX updates the address, but that does not excuse XXXX failure to proactively communicate, act with urgency, or offer solutions in the meantime. I can not keep paying this higher amount with no end date in sight. They are only getting the additional money so that my payment reputation is not damaged. 

This concerns the largest financial asset of my life, and XXXX lack of accountability is unacceptable. I am seeking : A full refund of the $ XXXX in out-of-pocket overpayments A clear timeline for resolution And a response as to how XXXX intends to compensate me for this prolonged mishandling of my escrow account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX FINAL DEMAND IMMEDIATE DELETION REQUIRED Dear Equifax Let me be VERY clear I am tired of your blatant violations of my rights under federal law. This is my SECOND and FINAL written demand regarding the inaccurate, unverifiable, and ILLEGALLY reported account ( s ) listed below : Account Name : XXXX  Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Account Name : XXXX Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Account Name : XXXX XXXX XXXX  Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately Account Name : XXXX XXXX XXXX Account Number : XXXX 15 USC 1692g ( b ) : Debt Validation Instruction : Provide documentation proving the validity of this debt, including the original creditor 's name and the breakdown of charges or DELETE this account immediately XXXX of XXXX Unauthorized inquiry. 
XXXX Date of XXXX : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of XXXX : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of XXXX : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of XXXX : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of XXXX : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of XXXX : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX Date of XXXX : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of XXXX : XX/XX/year> Delete at once Unauthorized inquiry. 
XXXX  Date of XXXX : XX/XX/year> Delete at once

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
I recently reviewed a copy of my chex systems report and noticed i had fraudulent accounts on my report. Please remove these accounts from my report. They are hurting my ability to obtain banking relationships, for myself and family. 


XXXX Opened balance Account

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 2025-06-20 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 : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ 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 2025-06-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kingston Data & Credit International Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX Crab Apple Ct XXXX, IL Date : XX/XX/year> Consumer Financial Protection Bureau XXXX Federal Trade Commission XXXX Illinois Attorney General XXXX : Complaint - Debt Collection Violations by XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. 
To Whom It XXXX Concern, I am filing this complaint to report a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) by the company identified as Office of XXXX XXXX, acting on behalf of XXXX XXXX and XXXX XXXX XXXX. 
On or around XX/XX/year>, I received a phone call from a representative using the name Office of XXXX XXXX regarding an alleged debt for Anytime Fitness. The caller refused to provide any written validation or documentation to verify the debt. Instead, they threatened to report the alleged debt to credit bureaus unless immediate payment was made. I had only used the gym XXXX time, and no written contract had been shared with me. 
These actions constitute violations of the FDCPA, specifically : - 15 U.S.C. 1692e ( 7 ) : Threatening to take any action that can not legally be taken.

- 15 U.S.C. 1692g : Failure to provide written validation of debt before demand or threats are made. 

Requested XXXX : - Cease all collection activities until proper validation is provided. 
- Remove any claims of this debt from credit reporting agencies until validation is complete. 
- Investigate and hold accountable any violations of the FDCPA. 
- Provide redress if my credit has been harmed or if harassment occurred. 
Attached are copies of the debt validation letter sent to XXXX XXXX and the original communication that prompted this report. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Collection Bureau, Inc.
State: TN

Complaint narrative:
XXXX reported a medical claim to my credit that was paid in full by my insurance company. 
XXXX further charged me {$1.00} to pull my account and then insisted on another {$380.00} to file formal documentation to all XXXX credit bureaus and guaranteed after 30 days it would be deleted from my report. 
Total amount {$1300.00} account opened on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: AZ

Complaint narrative:
Addendum to complaint no. XXXX I received US Bank 's letter of XX/XX/year>. In it they advise me on how to handle a suspicious call. I repeat... I CALLED THEM, the number on the back of my debit card because I suspected charges that were not valid. The scammer put me through a scenario to allegedly protect my accounts which resulted in the loss of XXXX in annuities. The scammer said my information was on the dark web and my personal information was being used to purchase XXXX XXXX XXXX XXXX XXXXXXXX. I had been with US Bank for over 30 yrs. Why would I not believe her? That is the entire XXXX  of the event. 
I sent the bank a list of my XXXX calls so that they could check their records for the recorded conversations with the fraud dept. Never have they mentioned anything about receiving this list or reviewing it. A few of my cr. card charges were removed by the bank. The scammer advised me to use this card while money was being transferred to other accounts. She assured me the charges would be reversed. Never happened of course. 

Would you please check into this. This case is far from over or closed. I am aware that my annuities were not FDIC insured. 
The charges on my card are the least of my worries. This is a life changing event. 

Thank you, 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 2025-06-20 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:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: GA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Transunion data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in XXXX business days.

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 2025-06-20 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am in XXXX XXXX credit and payments with Chase. I have XXXX credit cards with him and they started shedding them off XXXX by XXXX starting in XXXX and cant give me a clear reason why and I have been an outstanding customer never late never overuse nothings wrong I did call to speak with the supervisor. She said theres nothing they can do and they would be sending me a letter out

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: KY

Complaint narrative:
There has been fraudulent accounts made to my consumer report that I do not recognize as mine, several unauthorized charges made to my account that is not mine at all

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Method of Verification under FCRA 611 ( 15 U.S.C. 1681i ) Dear Equifax, I am writing to formally request the method of verification used in your recent reinvestigation regarding the following account on my credit report : Creditor Name : XXXX XXXX XXXX  Account Number XXXX This same account has already been removed from both my XXXX  and XXXX credit reports following similar disputes due to the account being

inaccurate, incomplete, or unverified. Per the Fair Credit Reporting Act ( FCRA 611 ), I am requesting the following : 1. The name and contact information of the person or organization that verified the account. 2. A detailed explanation of the procedure used in the verification. 3. A copy of any documents or evidence used to confirm the accuracy of this item. If you are unable to provide this information, I request that this account be permanently deleted from my Equifax credit file.

Thank you for your prompt attention. Please respond within the time allowed under federal law.

I am filing a follow-up complaint regarding a repossession account from [ Lender Name ] that remains on my Equifax report but has already been removed from my XXXX  and XXXX  credit reports due to being unverifiable or inaccurate. 

I disputed the account with Equifax, and they claim it is verified, but I was not provided with any documentation or clear explanation of the method of verification used.

Under the Fair Credit Reporting Act ( FCRA ), Equifax is obligated to conduct a reasonable reinvestigation and remove unverifiable or inaccurate items. I believe Equifax has failed to meet that obligation.

I am requesting the CFPBs assistance in having this account removed from my Equifax report, as it is negatively affecting my credit, and the other bureaus have already agreed to its removal. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief