vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 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: MI

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: CO

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: GA

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
These 2 accounts were not opened by me, I had all of my information leaked out with a data link that XXXX XXXX XXXX XXXXad and these collections are popping up on my credit and I never opened either of these accounts. They were opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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 explanation
Consumer complaint received 2025-07-09 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: MA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4500.00} INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: AZ

Complaint narrative:
This complaint is to challenge the presence of a discharged XXXX  XXXX bankruptcy on my Equifax report listed under reference number XXXX. I want to be absolutely clearthis bankruptcy is not mine. I have never filed XXXX XXXX, and there is no legal basis for this information to be tied to my Equifax file. It is not only inaccurate but severely damaging to my personal and financial reputation.

Whats especially troubling is that Ive previously disputed this entry and provided documentation showing that I have no bankruptcy filings. Equifax, however, failed to remove the record and provided no substantive explanation. This suggests they may have violated their obligation under section 611 of the FCRA, which mandates that consumer reporting agencies conduct reasonable and timely reinvestigations of any disputed information. Equifax also has a responsibility under section 607 ( b ) to ensure that all data they report is accurate and verified. Clearly, that didnt happen here, and Im the one paying the price.

Because of this erroneous bankruptcy listing, I have been denied financial opportunities that I would have otherwise qualified for, including a personal loan and a refinance option on my home. Its humiliating to have to explain something that simply isnt true, and exhausting to see it remain unresolved despite repeated efforts. Ive taken all the responsible steps, and still, Equifax has not corrected a mistake they are legally obligated to fix.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 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 : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : 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 explanation
Consumer complaint received 2025-07-09 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: CA

Complaint narrative:
DATE : XX/XX/XXXX This is a formal identity theft dispute under the Fair Credit Reporting Act ( FCRA ) 605B.

I am submitting the following required documentation : a signed identity theft statement, a valid FTC Identity Theft Report, a government-issued ID, proof of my current address, and a full, unredacted copy of my most recent credit report.

I did not authorize the following hard inquiries or open the accounts currently appearing on my credit file. Specifically : an inquiry from XXXXXXXX XXXX on XX/XX/XXXX, an inquiry from XXXX XXXX on XX/XX/XXXX, an account with XXXXXXXX XXXX XXXX XXXX and an account with XXXX XXXX. These entries are the result of identity theft. I did not apply for these credit lines, did not authorize any credit pulls, and have no relationship with these entities. Under FCRA 605B, you are legally obligated to block all identity theft-related information from my credit file within four business days of receiving proper documentation. No reinvestigation is required under 605B. You are also required to notify any data furnishers involved. This submission fully complies with all federal legal requirements. I am formally demanding that all identity theft-related entries be permanently blocked from my credit report. Additionally, 602 ( a ) requires credit reporting to be fair and accurate, 607 ( a ) obligates consumer reporting agencies to maintain maximum possible accuracy, and 610 ( a ) prohibits unreasonable procedural barriers to identity theft victims. The attached credit report serves as sufficient notice of all fraudulent informationindividual itemization is not required.

If you fail to comply, I will pursue all remedies available under federal law, including regulatory and civil action. Please confirm in writing that the blocks have been applied and provide an updated credit report reflecting removal of the disputed entries.

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 2025-07-09 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
XXXX continues to take money from my acct. Last amount {$1000.00}. Filed claim but Chase stating this company I have never heard of also filed complaint and they are taking XXXX side.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
My home purchase closed in XXXX of 2022 with mortgage company A.

At closing, {$870.00} was deposited into my escrow account to ensure adequate funds for the real estate taxes due XX/XX/year>2022.

My mortgage was purchased by mortgage company B in XXXX of 2022. 
During the alotted 60-day tax assessment period, the company failed to pay the real estate taxes as outlined in my escrow disclosure.

The county failed to notify the mortgage company, instead, mailing a delinquency notice to the deceased previous homeowner.

For three years, interest and fees accrued on my parcel. Each payment made by mortgage company B to the county was retroactively applied to cover first interest and fees and then the previous deliquent balance, never allowing the account to come current.

I was notified 2 days before the closing date on the sale of my home.

In contacting the county and mortgage company, and after a month of review, it was determined an oversight on the part of the mortgage company. They accepted responsibility for not making the payment, however, refused to reimburse me the amount of {$2600.00} I was forced to pay at closing.

They stated my mortgage was paid in full at the sale and they were no longer obligated to refund me the deliquent amount.

My escrow account should have had a surplus of {$1300.00} due to the missed real estate taxes payment. It does not.

The fees and interest on top of that missing tax add up to {$2600.00}.

My mortgage payments never decreased, only increased, and I never received an escrow refund for {$1300.00}. Therefore, mortgage company B is in breach of our contract, has failed to pay my taxes on time, has put the blame and financial burden on me, and hold my funds illegally.

I require this money paid back to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this formal complaint regarding Chase Banks decision to close three of my credit card accounts simultaneously without any prior notice, explanation, or opportunity to respond. 

On XXXX, I received a letter stating that one of my accounts ending in XXXX was closed due to a pattern of abuse of the claims process. However, this was not only vague and unsubstantiated, but it also coincided with the immediate closure of two other accounts I held with Chase all without warning or any outreach from the bank to explain or hear my side.

I have been a long-standing customer with Chase for over 9 years, have never had a late payment, and have not engaged in any fraudulent behavior. The sudden closure of all my credit accounts has not only impacted my credit profile but also caused significant stress and financial disruption.

I respectfully request that CFPB review this matter and help facilitate a resolution or at least ensure I receive a fair explanation.

I am willing to provide any supporting documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Student loan — Private student loan
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: VA

Complaint narrative:
A education loan from MOHELA which is a closed account was taken out on my behalf and I would like it removed because the information is wrong

Company response to consumer: Untimely response
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Upon reviewing my TransUnion credit report, I was extremely disappointed to discover inaccurate late payment notations for two accounts : XXXX XXXX XXXX XXXX dated XX/XX/XXXX and XXXX XXXX XXXX dated XX/XX/XXXX. These accounts were never delinquent, and I have supporting documentation, including account statements and payment confirmations, showing all payments were either made on time or within an acceptable grace period according to the terms set forth by the lenders. These late payment flags are not only unjustified but have materially harmed my credit score and my ability to access fair financial opportunities.

What makes this experience even more upsetting is that I previously submitted a dispute to TransUnion and provided
evidence that these accounts should not reflect any late payments. Yet the information remains unchanged. Under the Fair Credit Reporting Act, TransUnion has a duty to conduct a reasonable reinvestigation ( Section 611 ), and information that can not be verified must be removed or corrected. TransUnion also must ensure maximum possible accuracy in the information it reports ( Section 607 ( b ) ), which clearly has not occurred in this instance. I feel that my efforts to exercise my legal rights are being brushed aside by automated verifications rather than true, thorough investigations.

These inaccuracies have put me at a severe disadvantage. Ive been denied a competitive mortgage refinance, faced higher interest rates on a car loan, and have had to explain these false delinquencies repeatedly to potential lenders. It's degrading and stressful to have my financial integrity questioned because of data that should have never been allowed to persist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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: MD

Complaint narrative:
Please remove the following fraudulent accounts from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX REMOVE THESE FRAUDULENT INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/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 2025-07-09 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:
My information was exposed in the equifax data breach and I have several fraudulent and inaccurate information on my credit report. This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within 4 Business Days of you receiving this complaint. This Fraudulent, Inaccurate and False Accounts consists of : 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 XXXXXX/XX/XXXX These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries and ftc report . I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud.

Company response to consumer: Closed with non-monetary relief