vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-14 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 submitting this formal dispute to report inaccurate and inconsistent information being reported by the credit reporting agencies regarding my closed XXXX XXXX account ( Account # : XXXX ). 

This account was legally settled and paid in full for less than the original balance as of XX/XX/XXXX. However, Equifax is still reporting the account as Derogatory with a {$0.00} balance and a last activity date of XX/XX/XXXX, which is inaccurate. Additionally, Experian is listing the payment status as Unknown and showing a high credit of {$0.00}, which does not accurately reflect my usage. Only TransUnion appears to be reporting the account accurately as Paid with the correct high credit and settlement details. 

I am requesting that the CFPB assist in the following corrections : Update the account status with Equifax from Derogatory to Paid or Closed Settled. 

Correct the high credit and credit limit fields to reflect accurate information across all bureaus. 

Update the payment status on Experian from Unknown to the accurate settled status. 

Ensure all bureaus reflect the correct Date of Last Activity ( XX/XX/XXXX ) and Date of Last Payment ( XX/XX/XXXX ). 

A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account thank you.

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 2025-04-14 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
Subject : Urgent Appeal for Verification and Rectification of Erroneous Details on My Credit Report Attributable to Suspected Fraudulent Actions Dear Sir/Madam, I am hereby formally informing you of my discontent under the regulations of the Unjust Credit Reporting Act ( UCRA ), particularly sections 401 ( b ) ( 2 ), 503 ( c ) ( 3 ), and 809 ( d ) ( 2 ) ( C ), to demand validation and deletion of erroneous late payment data displayed on my credit profile. 

The accounts in question are as follows : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Reported Late Payment Date : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
A payment was submitted through the XXXX application with my banking institution. Unfortunately, the transaction did not reach the receiver, and I was informed that a technical issue prevented them from resolving it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX Compliance Request for Account XXXX To Whom It May Concern, I am writing to formally dispute the reporting of the account referenced above as it appears on my credit report. In accordance with the Fair Credit Reporting Act ( FCRA ) and the Consumer Data Industry Associations ( CDIA ) Metro 2 guidelines, I am requesting that your company investigate and verify the accuracy and completeness of the information you are furnishing.

Under Metro 2 standards, data furnishers are required to report consumer credit data accurately, completely, and in a timely manner. I believe the reporting of this account violates those standards due to the following : Incorrect payment history, incorrect balance, inaccurate date, incorrect address, incorrect reporting.

If the information can not be fully verified and validated in compliance with Metro 2 format guidelines and FCRA requirements, I respectfully request that the account be removed from all consumer reporting agencies to which it was reported.

Under 15 U.S. code 1681 S 2A Ifurnishers must report accurate information. Under 15 U.S. code 1681 I the credit bureaus must perform a reasonable investigation within 30 days. Under 15 U.S. code 1692g dictates that debt collectors must send a written notice to consumers within five days of initial contact, detailing the debt amount, creditor name, and the consumer 's right to dispute the debt.

Please provide a written response confirming the results of your investigation and any action taken within 30 days, as required by federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I qualified for a mortgage modification XX/XX/year>. The documents were sent for e-signature via e-mail. The e-mails were wrong. My husband 's documents were sent to my e-mail so when I e-signed, his name appeared in the documents. My e-mail was completely incorrect ( never used that e-mail address ). I requested that they correct PHH e-mail addresses. They said they could not and that the documents needed to be ink signed- they sent me a link to print the document and take to a notary. I explained that my husband was deceased and the I can not e-sign his name. ( I had informed PHH of this prior. ) I also informed PHH that I was qualified for the modification on my financial situation alone. They requested a copy of a death certificate. I needed to obtain one form the funeral home. I requested. It took a few months to receive - snail mail. When the death cert was received, it was sent to PHH. They told me that I needed to request a modification all over again because it was now XXXX but the modification would be granted because the previous request was granted and I had complied with all of the conditions. It was not granted. I had requested modifications a few times and they were all denied. I was asked to sign my husband 's name to a document after he was deceased. I don't want to lose my house but I can not sign his name - that is fraud. The attorney 's for PHH said that I should not have signed his name and that they would process the modification through their in-house modification dept. When I called to follow up they merely told me that they forwarded the documents to PHH for processing and that I need to wait. Auction is in 4 days. I need help or at least someone to postpone auction until I can straighten this out.

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 2025-04-14 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-14 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: Block, Inc.
State: TX

Complaint narrative:
They took {$1.00} as a partial payment then changed the other amounts of payments that were taken as missed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Federated Student Loan Services
State: AZ

Complaint narrative:
I have a student loan from XX/XX/XXXX. I have an income driven plan and I was not set to make any payments until this year, XXXX. I consolidated my loans ( while my other loans were in forbearance ) and have not have a payment due! However, XXXX  continues to inaccurately report my payment history on the credit bureaus despite me requesting more information, and despite my disputing the issue multiple times. It keeps coming back as verified but I have NO documents showing that I had a payment due on my loan that is deferred!

Company response to consumer: Untimely response
Consumer complaint received 2025-04-14 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 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: NJ

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Got a credit card in mail that I never applied for. I called the company and they said they will file a fraudulent application complaint and try to resolve it. Meanwhile I should report the fraud here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: NC

Complaint narrative:
I kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this Matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and used my personal information to open some loans and some other accounts!! Ive never gave anyone authorization or permission to use my name or signature for anything. Inquirues are 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: SC

Complaint narrative:
I am a victim of identity theft. Someone has stolen my identity and used my personal information to open some loans and some other accounts!! Ive never gave anyone authorization or permission to use my name or signature for anything. Inquirues are 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

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 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax and Experian for failing to immediately and permanently remove fraudulent accounts from my credit report, despite having provided all necessary documentation to prove my identity theft claim. The fraudulent accounts in question were opened without my knowledge or consent, and I have already filed a report with the Federal Trade Commission ( FTC ). A copy of my FTC Identity Theft Report is attached as evidence of my identity theft. The specific fraudulent accounts that need to be removed are as follows : Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Account Name : XXXX  Date Opened : XX/XX/XXXX And all inquiries on my report. Despite the Fair Credit Reporting Act ( FCRA ) and Identity Theft Enforcement and Restitution Act of 2008, which mandate the permanent removal of fraudulent accounts upon submission of an FTC Identity Theft Report, Experian and Equifax has failed to act within the legally required time frame and has not removed these accounts from my credit report. In light of recent lawsuits involving Experian and Equifax regarding failures to handle identity theft cases accurately, I am taking this issue seriously and seeking your immediate assistance in ensuring that my rights are upheld. I request that the CFPB intervene to ensure that Experian and Equifax complies with federal law and removes these fraudulent accounts from my credit file immediately and permanently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: GA

Complaint narrative:
I am writing to file a formal complaint against Equifax and Experian for failing to immediately and permanently remove fraudulent accounts from my credit report, despite having provided all necessary documentation to prove my identity theft claim. The fraudulent accounts in question were opened without my knowledge or consent, and I have already filed a report with the Federal Trade Commission ( FTC ). A copy of my FTC Identity Theft Report is attached as evidence of my identity theft. The specific fraudulent accounts that need to be removed are as follows : Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Date Opened : XX/XX/XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) Date Opened : XX/XX/XXXX Account Name : XXXX  Date Opened : XX/XX/XXXX And all inquiries on my report. Despite the Fair Credit Reporting Act ( FCRA ) and Identity Theft Enforcement and Restitution Act of 2008, which mandate the permanent removal of fraudulent accounts upon submission of an FTC Identity Theft Report, Experian and Equifax has failed to act within the legally required time frame and has not removed these accounts from my credit report. In light of recent lawsuits involving Experian and Equifax regarding failures to handle identity theft cases accurately, I am taking this issue seriously and seeking your immediate assistance in ensuring that my rights are upheld. I request that the CFPB intervene to ensure that Experian and Equifax complies with federal law and removes these fraudulent accounts from my credit file immediately and permanently.

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 2025-04-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year>, I saw a charge for {$540.00} from a merchant listed as XXXX XXXX. I originally disputed the charge as fraudulent because I did not recognize the vendor name and had not entered that specific bar. I was in the same plaza that night ( XXXX XXXX XXXX ) , but only made one small purchase of around {$20.00} using my mobile wallet specifically, I purchased one Modelo and one tequila soda not at XXXX. 

My credit card company investigated and ruled in favor of the merchant, stating that the charge came from a mobile wallet linked to my phone. However, after speaking with the merchant directly, I learned that they handle all common area sales for the plaza, and that this charge may have resulted from a merchant error or misuse of my mobile wallet token, causing me to be charged {$540.00} instead of approximately {$20.00}. 

I then requested that U.S. Bank reopen the case as a billing error, not fraud. They refused, saying I must provide a receipt to prove the correct amount. I explained that, under the Fair Credit Billing Act ( 15 U.S. Code 1666 ), the burden of proof is on the creditor to investigate and validate a disputed charge, and that I am not legally required to provide a receipt for a transaction I did not authorize at that amount. 

U.S. Bank insisted that their internal policy still requires the cardholder to provide proof before taking further action. I believe this contradicts federal consumer protection laws. 

I also contacted the merchant to request a copy of the receipt and any transaction details, but they have since stopped responding and Ive been unable to obtain the documentation. 

This dispute involves my U.S. Bank Altitude Reserve Visa Infinite card, and Im requesting the CFPBs assistance to have this billing error properly investigated and the overcharge reversed.

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