vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: FL

Complaint narrative:
I am disputing a tradeline reported by XXXX ( account ending in XXXX ) which is inaccurately listed as charged off. I submitted multiple properly formatted negotiable instruments under UCC 3-104 to the original creditor ( XXXX  ) in XXXX and XXXX 2024. These instruments were labeled Accepted for Deposit Payable to the bearer Without recourse, and the amounts matched the outstanding balance on the account. 
In each correspondence, I requested the company either ( 1 ) apply the value of the bearer instrument to discharge the account under UCC 3-603 ( a ), or ( 2 ) provide a lawful reason supported by commercial or statutory law for refusing to accept the instrument. No lawful rebuttal, dishonor, or response was received.

According to UCC 3-505, failure to timely respond or return the instrument constitutes dishonor. This account is being inaccurately reported as charged off despite lawful tender and lack of rebuttal, making the tradeline misleading and incorrect under the Fair Credit Reporting Act ( FCRA ). 
I am requesting immediate deletion of this tradeline from my credit report and a full investigation into this unlawful reporting practice. 
Supporting documents, including copies of the instruments, remittance letters, and evidence of mailing and acceptance, are available upon 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 2025-04-23 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: 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 explanation
Consumer complaint received 2025-04-23 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: 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 2025-04-23 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: Exeter Finance, LLC.
State: CA

Complaint narrative:
I have never applied for an installment plan for an auto loan the only vehicle I have purchased was in XX/XX/year>, but it was purchased with a cashiers check in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Ive called them over 6 times, verified and told them which transactions were genuine and then they today XXXX XXXX, decided to call my dad because I was working. He has work too and his phone number is listed nowhere on my account. Furthermore, they lied to me and told me his number is on my credit report. I check my reports daily, its not. I wouldve disputed it. They blatantly accessed personal information about me and harassed my family over documents Ive already provided since last week Friday and refuse to unrestrict my account. You can not even go to the branch for this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: MN

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX  days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-04-23 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: GA

Complaint narrative:
I am reporting a matter related to incorrect details on my credit file. Equifax confirmed that a system error caused my personal information to be exposed and subsequently misused. I have faced denials as a result, and I am asking for this issue to be addressed and resolved within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: PLANET HOME LENDING, LLC
State: TX

Complaint narrative:
We purchased the property located at XXXX XXXX XXXX XXXX TX XXXX on XX/XX/XXXX and our current mortgage company is Planet Home Lending ( XXXX XXXX XXXX ). 

This is about XXXX property tax that was supposed to be paid by our mortgage company but they have failed to do so. The detail is stated below : On or about XX/XX/XXXX we received a letter from state tax office that we have not paid the XXXX property tax ( {$34000.00} ). The deadline was XX/XX/XXXX. 

We immediately contacted the mortgage company, which admitted that they paid the tax to the wrong parcel and asked us for an investigation. We told them we worried about a penalty, and they said they would take care of that. 

XXXX passed. Penalty accrued. At the end of XXXX, XXXX of the agents from the company called us to say that it had been paid. However, when we checked with the state tax office, the office told us that the property tax was not paid. We called the company again and were told it would take some time. 

A couple of weeks later, we revisited with the state tax office, and the tax is still not paid. We called the mortgage company again and were told to contact them via email. We emailed, and there has been no response from them. 

Today is XX/XX/XXXX. We checked with the title company yesterday. The title company also confirmed that the tax has still not been paid. Now, the total amount of XXXX property tax, including penalty, is almost {$38000.00}. 

Throughout this process, we have received numerous calls, letters, and emails regarding our delinquent tax. We have paid the mortgage on time. We do not understand why paying property tax takes such a long time and have to deal with penalty. Please resolve this issue quickly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
XXXX repeated failure to properly address disputes has become a pattern, and it's XXXX that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices. 

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within XXXX  days and delete anything that can not be XXXX XXXX  verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : Collection/Charge Off ( Equifax ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$540.00} XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX got a notifications from XXXX XXXX branch manager at XXXXXXXX XXXX  XXXX XXXX off XXXX XXXX notifying me that my checking account was overdrated in the amount of {$150.00} .. account has been in that status for 40 days account has to be 90 days or 180 days it for to goes into charge off status .. in this case it was not. I asked if i can make payment online i was notify i can only make payment in person since other account acess has restricted due to having an overdraft on 1 account. I told the manager i work a 9-5 the time i get off the bank close .. i managed to come in friday that same week and paid the account balance. Yet mission fed still reported account XXXX  charge off to credit agencies after making the payment. A charge off can only be reported after 90-180 days .. this is absolutely wrong and unethical. I communicate via email and made the payment. I made several attempts to resolve matter i was told it will removed off my credit .. it has not when i call over the phone the collection have an attitude and are very rude .. XXXX XXXX XXXX XXXX are on the XXXX of each month. Account was paid before the statement period report was due.

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 2025-04-23 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX got a notifications from XXXX XXXX branch manager at XXXXXXXX XXXX  XXXX XXXX off XXXX XXXX notifying me that my checking account was overdrated in the amount of {$150.00} .. account has been in that status for 40 days account has to be 90 days or 180 days it for to goes into charge off status .. in this case it was not. I asked if i can make payment online i was notify i can only make payment in person since other account acess has restricted due to having an overdraft on 1 account. I told the manager i work a 9-5 the time i get off the bank close .. i managed to come in friday that same week and paid the account balance. Yet mission fed still reported account XXXX charge off to credit agencies after making the payment. A charge off can only be reported after 90-180 days .. this is absolutely wrong and unethical. I communicate via email and made the payment. I made several attempts to resolve matter i was told it will removed off my credit .. it has not when i call over the phone the collection have an attitude and are very rude .. XXXX XXXX XXXX XXXXXXXX are on the XXXX of each month. Account was paid before the statement period report was due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 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: CA

Complaint narrative:
On XX/XX/XXXX XXXX XXXX got a notifications from XXXX XXXX branch manager at XXXXXXXX XXXX XXXXXXXX XXXX off XXXX XXXX notifying me that my checking account was overdrated in the amount of {$150.00} .. account has been in that status for 40 days account has to be 90 days or 180 days it for to goes into charge off status .. in this case it was not. I asked if i can make payment online i was notify i can only make payment in person since other account acess has restricted due to having an overdraft on 1 account. I told the manager i work a 9-5 the time i get off the bank close .. i managed to come in friday that same week and paid the account balance. Yet mission fed still reported account XXXX charge off to credit agencies after making the payment. A charge off can only be reported after 90-180 days .. this is absolutely wrong and unethical. I communicate via email and made the payment. I made several attempts to resolve matter i was told it will removed off my credit .. it has not when i call over the phone the collection have an attitude and are very rude .. XXXX XXXX XXXX  XXXX are on the XXXX of each month. Account was paid before the statement period report was due.

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 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
There are late payment remarks on my credit report that are entirely inaccurate and misleading. Many of these accounts show a {$0.00} balance and no past due amountso how can they be marked late? These notations are unfairly harming my score, despite my history of maintaining financial obligations.

Under the FCRA, no account may be reported as delinquent unless it can be backed by verifiable proof, including original signed documentation. If no such proof exists, these remarks must be deleted immediately. Most of these items have already been corrected or removed by other major bureaus due to lack of verifiable evidence, raising concerns about why they remain. 

The following late payment items are disputed and must be thoroughly reverified or deleted immediately : Late Payment ( 3 Bureaus ) XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance & Past Due Amount : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Date : XX/XX/year> To Whom It XXXX Concern : Subject : Formal Complaint Against Experian for Denial of Free Credit Report and Uncooperative Conduct I am writing to file a formal complaint against Experian for refusing to provide me with a copy of my credit report, which I am entitled to receive for free under federal law. On XX/XX/year>, I contacted Experian by phone and spoke with a representative named XXXX XXXX last initial D ). I requested access to my credit file as allowed under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681g, which grants every consumer XXXX free credit report per year. 

XXXX informed me that I would need to pay XXXX dollar to access my report. This is completely unacceptable and in violation of federal law. There is no legal requirement to pay a fee for the annual free credit report unless certain exceptions applywhich they do not in my case. 

When I asked XXXX for her employee ID to document the issue, she refused to provide it. She only gave me her first name and the initial of her last name, which severely limits any accountability and transparency. This kind of behavior is inappropriate and obstructs a consumers right to obtain information about themselves. 

This situation was frustrating, felt deceptive, and appears to be a systemic issue that violates the FCRA and possibly the Fair Debt Collection Practices Act ( FDCPA ) if any part of this involves collection-related behavior. 

I respectfully request : 1. Immediate access to my free annual credit report.

2. An investigation into Experians practice of charging consumers for something that is legally free.

3. Oversight regarding Experian representatives refusing to identify themselves properly. 



I plan to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) if I do not receive a prompt and appropriate resolution. 

Sincerely, 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 2025-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-23 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: EQUIFAX, INC.
State: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Subject : Fraudulent Bank of America Account Reported Identity Theft ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ) Complaint Description : Dear CFPB, I am writing to file a complaint regarding a fraudulent account that has appeared on my credit report, reported by Bank of America ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX ). This is a revolving credit account that shows as " Paid '' with a {$0.00} balance and an open date of XX/XX/2022. The account is listed under my name as an individual account, but I did not open this account and have never had any relationship with Bank of America regarding this credit line. 

I am a victim of identity theft, and this account was fraudulently opened without my knowledge or consent. To resolve this matter, I have already taken the following steps : Filed a formal dispute with all three major credit bureaus ( XXXX XXXX XXXX XXXX ). 

Completed and submitted a Federal Trade Commission ( FTC ) Identity Theft Report. 

Prepared, signed, and notarized an Identity Theft Affidavit. 

Filed an official police report documenting the identity theft. 

I am attaching all of these documents to this complaint for your review.

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