vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-08 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: GA

Complaint narrative:
I am writing to formally dispute the reporting of the following accounts that appear on my TransUnion credit report. These accounts may be the result of data exposure connected to the recent national data breaches. Under the Fair Credit Reporting Act ( FCRA ) Section 602A and 611, I am requesting an immediate investigation and deletion of these items if they can not be fully verified as accurate and authorized by me. 
Account Name XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$26000.00} Account Name : XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00}

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and request for investigation under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a mortgage loan that appears on my credit report. The account information being reported is incorrect and has not been properly verified or corrected despite my repeated disputes with the data furnisher and the credit reporting agencies. 

Account in Question : Creditor/Mortgage Servicer : XXXX XXXX XXXX 

Account Number ( partial ) : XXXX Date Opened ( if known ) : XX/XX/year> Credit Reporting Agencies Involved : [ XXXX, TransUnion ] FCRA 602 ( 15 U.S.C. 1681 ( a ) ) Accuracy and fairness in credit reporting : My right to fair and accurate reporting has been violated by the continued reporting of inaccurate data. 

FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputed information : After filing disputes, the credit bureaus failed to conduct a proper and reasonable reinvestigation of the disputed account. 

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) Responsibility of furnishers to provide accurate information : The data furnisher ( the mortgage lender/servicer ) has reported incomplete and/or inaccurate information.

FCRA 623 ( b ) ( 1 ) Duty of furnisher after notice of dispute : The furnisher failed to properly investigate and correct or delete the disputed information after being notified by the credit bureaus.

FCRA 605 ( 15 U.S.C. 1681c ) Obsolete information : If this account is outdated or beyond the seven-year reporting limit for derogatory information, it should have been removed automatically.

Despite my prior disputes and documentation sent to both the credit bureaus and the lender, the inaccurate mortgage account remains on my file, damaging my credit standing and preventing me from obtaining housing and other credit opportunities.

I am therefore requesting that the CFPB investigate these FCRA violations and take enforcement action to compel the deletion or correction of the inaccurate mortgage loan from my credit report.

Enclosed are copies of all relevant correspondence, dispute letters, responses, and supporting documents.

Thank you for your prompt attention to this matter. Please contact me if you need any additional information or evidence. 

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 non-monetary relief
Consumer complaint received 2025-11-08 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: TX

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this formal complaint and request for investigation under the Fair Credit Reporting Act ( FCRA ) regarding the inaccurate reporting of a mortgage loan that appears on my credit report. The account information being reported is incorrect and has not been properly verified or corrected despite my repeated disputes with the data furnisher and the credit reporting agencies. 

Account in Question : Creditor/Mortgage Servicer : XXXX XXXX XXXX 

Account Number ( partial ) : XXXX Date Opened ( if known ) : XX/XX/year> Credit Reporting Agencies Involved : [ Experian, XXXX  ] FCRA 602 ( 15 U.S.C. 1681 ( a ) ) Accuracy and fairness in credit reporting : My right to fair and accurate reporting has been violated by the continued reporting of inaccurate data. 

FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation of disputed information : After filing disputes, the credit bureaus failed to conduct a proper and reasonable reinvestigation of the disputed account. 

FCRA 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) Responsibility of furnishers to provide accurate information : The data furnisher ( the mortgage lender/servicer ) has reported incomplete and/or inaccurate information. 

FCRA 623 ( b ) ( 1 ) Duty of furnisher after notice of dispute : The furnisher failed to properly investigate and correct or delete the disputed information after being notified by the credit bureaus. 

FCRA 605 ( 15 U.S.C. 1681c ) Obsolete information : If this account is outdated or beyond the seven-year reporting limit for derogatory information, it should have been removed automatically. 

Despite my prior disputes and documentation sent to both the credit bureaus and the lender, the inaccurate mortgage account remains on my file, damaging my credit standing and preventing me from obtaining housing and other credit opportunities. 

I am therefore requesting that the CFPB investigate these FCRA violations and take enforcement action to compel the deletion or correction of the inaccurate mortgage loan from my credit report. 

Enclosed are copies of all relevant correspondence, dispute letters, responses, and supporting documents. 

Thank you for your prompt attention to this matter. Please contact me if you need any additional information or evidence. 

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
MY INFORMATION is not showing on the credit report banks and another companies and the banks are not verifying my information and I can't open any credit lines due to that I am requesting to help me to ask tham to change my information to the true one. for my problem resolvation I am uploading utility bill and my driver licnese as a proof of my requested identity change

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent a formal federal notice that several accounts are being reported on my credit file without validation, without proof of assignment, without a legally verifiable debt, and in violation of the FCRA, FDCPA, and XXXX compliance standards. 
Under federal law, you are required to delete all accounts that can not be verified, all credit bureaus and creditors have not responded to my request.

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 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent a formal federal notice that several accounts are being reported on my credit file without validation, without proof of assignment, without a legally verifiable debt, and in violation of the FCRA, FDCPA, and XXXX compliance standards. 
Under federal law, you are required to delete all accounts that can not be verified, all credit bureaus and creditors have not responded to my request.

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 2025-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I reviewed my credit report and discovered a collection from Credit Collection Services that I do not recall authorizing. I never gave permission for my personal information to be shared or transferred to this third party, and I have not received any proper notice of assignment or validation of this account. No original contract or wet signature has been presented to verify that I consented to this company handling or reporting my data. Under 15 U.S.C. 1681e ( b ) and 1681i, all information reported to consumer reporting agencies must be accurate and verifiable, and it is the duty of furnishers to maintain procedures to assure maximum possible accuracy.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). 

The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 

Furthermore, the statute of limitations for reporting a charge-off is XXXX  years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. 
Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Issue : Chase states they no longer have previously accepted XXXX of Attorney on file and is refusing to honor notarized copies.They are requiring a new POA but the principal is currently incapacitated and can not re-execute the document. Chase has not provided a legally valid reason for refusal. This has prevented access to funds necessary for principals care. 
Relevant Law : XXXX XXXX must accept valid XXXX of Attorney unless a legally supported reason exists for refusal. Loss of internal records does not meet this standard.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
Paypal refused to close my account. The place bogus roadblocks in front the consumer, expecting us to spend hours on the phone. They are engaged in fraud by having a " close account '' feature on the website but then not allowing clients to efficiently use it. As directed by the FTC, Paypal should be making it as easy to close an account as it is to open it. None of the obstructionist statements they make in their refusal to close the account are honest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information reported on my credit report concerning a charge-off. Below are the details of the account in question : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX It has come to my attention that this charge-off is being reported repeatedly monthly, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should be reported only once, reflecting the date it was charged off. Under the FCRA, credit reporting agencies are required to ensure the accuracy of the information they provide ( 15 U.S.C. 1681e ( b ) ). 

The continuous monthly reporting of this charge-off misrepresents my payment history and negatively impacts my credit score. 

Furthermore, the statute of limitations for reporting a charge-off is XXXX  years from the date of the initial delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). 
Repeatedly reporting this charge-off as a new event each month does not reflect the statute of limitations and is therefore improper. 

I request an immediate investigation into this matter and the correction of my credit report by removing the repeated entries of the charge-off from my payment history. 
Please update my credit report accordingly and provide written confirmation of these corrections. 

Thank you for your prompt attention to this matter.

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 2025-11-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Re : Request for Removal of Inaccurate Late Payment Reporting under the Fair Credit Reporting Act ( FCRA Consumer Credit File ) Dear Sir/Madam, I am writing to dispute the inaccurate reporting of late payment on my credit reports across all three major credit bureaus : Equifax, Experian, and TransUnion. The accounts in question relate to my personal information : Name : XXXX XXXX Date of Birth : XX/XX/XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), consumer reporting agencies are required to ensure the accuracy and integrity of the information they report. If a consumer disputes information, the bureau must conduct a reasonable reinvestigation within XXXX days and delete any information that can not be verified ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). 
Upon my review, the late payments reported are inaccurate due to payments not late, incorrectly reported dates. Such inaccurate reporting violates the FCRAs mandate that only accurate and complete information be included in consumer reports ( see, e.g., XXXX XXXX XXXX XXXX XXXX, 115 F.3d 220 ( 3d Cir. XXXX ) ). 
Additionally, late payments must be reported only if they are past due by at least XXXX  days ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( D ) ) and can not remain on the report beyond 7 years from the delinquency date ( 15 U.S.C. 1681c ( c ) ). 
Please treat this letter as my formal dispute of the inaccurate late payment entries. I request that these items be removed from my credit reports immediately. 

Failure to comply with the FCRAs investigative and correction requirements could result in violations of federal law. Please provide written confirmation of your investigations outcome and any corrective actions taken within the statutory period. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: DHI Mortgage Company
State: FL

Complaint narrative:
I purchased a home through DR Horton in XX/XX/year> and was encouraged to use their in-house lender, DHI Mortgage , with promises of lower monthly payments. At closing, I was quoted a payment that fit my budget. 
Just XXXX months later, my mortgage was sold to another company. Within a year, my monthly payment increased by {$1000.00} due to escrow recalculations. This was financially devastating. 
I believe the original escrow estimate was artificially low and the advertised payment was misleading. I feel baited into a financial commitment that was never sustainable. 
Im requesting an investigation into these practices and any available relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am filing a complaint against Citi Bank regarding my Citi XXXX XXXX Credit Card, which carries a {$590.00} annual fee. Although the card was approved over a month ago, Citi Bank immediately placed my account on hold. Despite sending all requested documents promptly, the hold has not been lifted, and my other Citi credit cards are also under hold. This has caused unnecessary frustration, inconvenience, and restricted access to my accounts. Citi Bank has not provided any clear explanation or timely resolution, and I am requesting the CFPBs assistance to ensure the issue is resolved promptly.

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 monetary relief
Consumer complaint received 2025-11-08 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: LA

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! 


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 XXXXXX/XX/year>

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 2025-11-08 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: Resurgent Capital Services L.P.
State: NV

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX accounts that are being reported on my credit report. The accounts are : XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Balance : {$590.00} Collection XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year> High Balance : {$590.00} Collection I have never opened or authorized any account with XXXX Funding. These appear to be inaccurate or duplicate collection accounts. I request that the CFPB investigate this matter and require the furnisher to provide full validation and proof that these debts belong to me.

Company response to consumer: Closed with explanation