vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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: FL

Complaint narrative:
This charge-off account remains on my report despite my dispute. XXXXXXXX XXXX has failed to provide legal documentation proving the accuracy of the account. Payment history appears incorrect, and no contract or original agreement was provided to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: GA

Complaint narrative:
Banking and reporting errors are actively and unjustly damaging my credit. Under the Truth in Lending Act ( XXXX ), XXXX XXXX XXXX XXXX ( b ), creditors are legally obligated to apply payments and credits accurately and to provide clear and timely billing statements. However, my account reflects serious violations of these requirements : payments I made were not properly recorded, there are evident calculation discrepancies, and I was not given the federally mandated XXXX advance notice before payment was due. As a result, any reported late payments are invalid. These errors constitute a clear violation of federal law and are causing significant and unlawful harm to my credit standing. I demand immediate correction and full compliance with all applicable legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
the credit companies are not complying with their own policies in a timely manner.

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 2025-05-31 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: AZ

Complaint narrative:
In the period from XXXX to XXXX, I had a checking account at XXXX XXXXXXXX XXXX Everything was working normally. In XX/XX/XXXX, I opened another account ( credit card ) number XXXXXXXX XXXX XXXX XXXX XXXX  When opening this account, the bank employee who worked on the application did not open the account completely correctly and did not enter all the necessary data into the bank 's system, so that when it came time to make my regular payments to this account, it was not possible, and the employees who worked in the branch at the time did not know what the problem was. I tried and went to the bank several times, but it was always unsuccessful, i.e. it was not possible to make the payment. Only after many attempts did the employee who opened the account contact me and said that I had to come to her bank before making the payment to correct the mistakes she had made. Attached are the email communications I had with her where you can see that the dates are current at the time of payment. For that period, the bank reported in my credit reports with the credit agencies XXXX  and Expirian that I had delays for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The mentioned delays were not caused by my irresponsibility or my mistake, but due to the inexperience and ignorance of bank officials. I tried several times to resolve and explain this with the bank, but they persistently issued a statement of that account without acknowledging the reasons why these delays occurred.

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 2025-05-31 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: AZ

Complaint narrative:
In the period from XXXX to XXXX, I had a checking account at XXXX XXXXXX/XX/XXXX Everything was working normally. In XX/XX/XXXX, I opened another account ( credit card ) number XXXXXX/XX/XXXX When opening this account, the bank employee who worked on the application did not open the account completely correctly and did not enter all the necessary data into the bank 's system, so that when it came time to make my regular payments to this account, it was not possible, and the employees who worked in the branch at the time did not know what the problem was. I tried and went to the bank several times, but it was always unsuccessful, i.e. it was not possible to make the payment. Only after many attempts did the employee who opened the account contact me and said that I had to come to her bank before making the payment to correct the mistakes she had made. Attached are the email communications I had with her where you can see that the dates are current at the time of payment. For that period, the bank reported in my credit reports with the credit agencies Transunion and XXXX that I had delays for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. The mentioned delays were not caused by my irresponsibility or my mistake, but due to the inexperience and ignorance of bank officials. I tried several times to resolve and explain this with the bank, but they persistently issued a statement of that account without acknowledging the reasons why these delays occurred.

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 2025-05-31 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: MS

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I paid XXXX XXXX XXXX XXXX {$840.00} on XX/XX/year>, as verified by my XXXX XXXX  XXXX. Despite this, Experian continues to report the account as 120 days late, damaging my credit. They closed the account and considered the issues resolved for XXXX to XXXX. Failed to post within a day of paying! Then erroneously reported late at 120 days on the XXXX when I made a full payment! I disputed this, provided documentation, and Experian responded by saying the item was updated yet it still reflects a false delinquency. This is a violation of the Fair Credit Reporting Act ( FCRA 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) ). This issue is harming my credit rating even after I fulfilled my obligation and paid this malicious creditor in full while living out of my car!. I request full deletion or immediate correction and a Method of Verification ( MOV ) disclosure, Records and Resolution. UCC 1-305 all rights reserved. 

I am escalating a formal complaint regarding retaliatory negligence and bad faith credit reporting practices by XXXX XXXX and Experian. 

I paid {$840.00} on XX/XX/year>, in full satisfaction of the XXXX XXXX account. Despite this payment, Experian still lists the account as 120 days past due after dispute, review, and documentation. This is not just inaccurate it is willfully fraudulent. 

Experians updated report reflects no correction, merely a status change that still damages my credit and suppresses my access to financial resources. I dispute this both on grounds of : FCRA 1681s-2 ( a ) ( 1 ) ( A ) : Furnishing inaccurate information FCRA 1681s-2 ( b ) : Failure to correct or delete disputed information after notice This stands to show Indigo will never accept a debit card payment : they go through XXXX. Interstate wire transaction and false reporting. Never posting the ACH payment made on the XXXX in a timely manner. Creating pending, posting issues with my account but not ever attempting to reach out in good faith XXXX continued reporting after full payment and Experians failure to act constitute bad faith, negligence, and potentially retaliatory harm against a consumer actively working to restore their financial standing.

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 2025-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My business checking account funds was incorrectly held due to a court order levy. 

The court order levy was for an account with a similar business name as mine. But the address and name of the account holder in the court order levy did not match with my business name and address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-31 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: DE

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NE

Complaint narrative:
I was involved in a car accident my vehicle was totaled and I was offered a settlement amount from XXXXXXXX XXXX XXXXXXXX of 2025. I even asked if taking a settlement amount would affect my credit in a bad way and was told no. I also signed a document and nothing in thus document states negative reporting to a credit report and also was told it would show paid off. Its now showing as a derogatory report on my credit under late payment history and shows settlement paid less than what was owed. No not really I paid what I was told. If I ever knew it would affect my credit I would never have taken the settlement offer. Ive built up my credit for over 6 years to now have a derogatory mark.

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 2025-05-31 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: CA

Complaint narrative:
XXXXXX/XX/XXXX company had started reporting to TransUnion and abruptly stopped I've called numerous times they said we have reported to TransUnion and we don't understand why it's not showing on your credit report your payment history TransUnion says XXXX took your trade line off And you'll have to contact them XX/XX/XXXXr says we have reported numerous times on your behalf and the primary user and we don't know we've got messages that they receive the request we don't understand why it's not showing on your TransUnion report, also,XX/XX/XXXXcompany has continuously denied my credit history to be reported to Experian, and they claim that they did numerous times Experian says they have no request no reporting nothing contact XX/XX/XXXX company. Due to the non-reporting and removing that trade line off my credit report I took a very heavy hit in my credit score It caused me damages.

I told you I'm being targeted and discriminated against, .. months have gone by and it's still no correction so I find it necessary to contact consumer financial protection bureau and my intentions is to file with the FTC XXXX They even tried to send me an erroneous paper out and have me sign for some authorization something no one has ever even heard of on a document they conjured up and stated TransUnion requested them to send that to me but it wasn't on TransUnion letterhead. 

Also I contacted TransUnion they say we don't do anything of that nature requesting a signature from you to submit to us that's not how the credit bureaus operate. 

And turn I reported the conversation toXX/XX/XXXX and then they tell me well it's good thank God you didn't sign that I said I would never sign a document that is frivolous drawn up There's enough identity theft problems going on in this world... 

There is something definitely going on in the XXXX XX/XX/XXXX IT department and they're scoring department that is not normal I spoken to multiple supervisors and level two and level 3 supervisors and they're sending this information to be reported to all the credit bureaus and it's not getting done correctly ... And the request to be reported is not being fulfilled and I'm sure there is footprints that lead to the person that is responsible for negligently handling my information And not reporting correctly this is caused me great harm

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 2025-05-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been a victim of identity theft and found some fraudulent inquiries that I did not authorize on my credit report. Here are the fraudulent inquiries I've found due to identity theft. I also attached my identity theft report as well. 

XXXX  XXXX XX/XX/year> XXXX XXXX XXXX XX/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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP
State: MO

Complaint narrative:
I was approved for a legal mortgage forbearance through US Bank, lasting four months, during XX/XX/XXXX to XX/XX/XXXX. At the end of this forbearance, I was instructed to call US BANK. I called them at the start of XXXX, as they instructed, and was then offered a written agreement by US Bank to move the missed payments to the end of my mortgage term, interest-free. 

I accepted their offer on time, called to confirm it, signed the agreement with a notary sent to my home ( arranged by them ), and returned it immediately. Since then, Ive paid on time and according to the new contract. 

Despite this, US Bank reported 120-day late payments to the credit bureaus. This has dropped my credit score from over XXXX to XXXX a devastating loss of XXXX points, especially after Ive made 100 % on-time payments with my credit cards and other accounts. 

When I called to respectfully ask why this had happened, the customer service representative yelled at me, stating : You were in a forbearance, that ended, you didnt pay what you owed, so we sent it to the credit companies. 
even though I complied with everything they asked, accepted their offer, and paid as agreed under the new terms. 

I was humiliated and shocked at how I was treated. Beyond the emotional toll, this incorrect reporting has likely disqualified me from getting a mortgage even though I acted in good faith and followed the proper process. 




I also request that the Consumer Financial Protection Bureau obtain and review the recorded phone call between myself and US Banks customer service ( date : [ insert approximate date of the call ] ), during which I was treated unprofessionally and falsely told I had defaulted despite following all agreed steps under the forbearance resolution offer.

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 2025-05-31 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:
This false and unauthorized reporting is actively damaging my financial opportunities, including my ability to obtain loans, secure credit approvals, and access housing. The presence of negative, inaccurate information on my credit report is both unfair and unjustified, and I will not allow it to continue compromising my financial well-being. I am demanding an immediate and thorough investigation into these unauthorized accounts, followed by their prompt removal from my credit report. This matter is urgent, and I expect swift and decisive action to resolve it without delay.

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 2025-05-31 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MD

Complaint narrative:
I recently paid-off an outstanding debt with Resurgent Capital Services . After I paid the debt Resurgent Capital Services stated that I have 4 more outstanding debts that were over 12 years old. Some of these debts were paid ( See Upload ). However, some of these debts are so old that when I called the original creditor, they stated that there was no information provided because the debt was old or over 12 years old and was deleted from the system. According to the State of Maryland Law ( See attached upload ), that if a debt is over 12 years old and no legal action was taken and is not on my credit report, a debt collector can not pursue a person about that debt. Yet, Resurgent Capital Services is still pursuing me to pay these debts. 

I know I have paid all these debts, many years ago but I do not have any more information on them except two, XXXX XXXX and XXXX  XXXX ( which I paid in full, see upload attached ). 

Thank you. 

XXXX XXXX Veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
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 2025-05-31 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: LA

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 2025-05-31 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: OH

Complaint narrative:
I disputed with Equifax showing that my student loans were forgiven and that I did not owe anything. I even uploaded it to the site ( Equifax ) and that did nothing. They still kept it on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
This letter is to formally dispute the validity of the alleged debt listed under account number XXXX for the amount of {$370.00}, reportedly originating from XXXX XXXX XXXX I am unaware of this account and would like you to remove it if Im not I will take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Klarna AB
State: NC

Complaint narrative:
XX/XX/XXXX {$77.00} I went through Klarna for services through company named XXXX, but services weren't rendered. My bank XXXX refuses to help me because they said it was a third party. 
Now, Klarna is still trying to charge me for a merchant that they can't even get I contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NJ

Complaint narrative:
I am writing to dispute inaccurate information that appears on my credit report. 
Specifically, late payments reported by XXXX on my loan account # XXXX * * * * is incorrect and should be removed from my credit file.

Company response to consumer: Closed with explanation