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

Complaint narrative:
I reviewed my Experian credit report dated XX/XX/year> and found several inaccurate and/or unverifiable items that are negatively affecting my credit. Despite my right to accurate reporting under the Fair Credit Reporting Act ( FCRA 609 and 61XXXX ), Experian is continuing to report outdated and unverifiable negative accounts. 

I have already mailed a formal written dispute letter to Experian on XX/XX/year>, requesting a reinvestigation and removal of these accounts. The following items are being reported inaccurately : XXXX. XXXX XXXX XXXX ( XXXX ) showing a {$350.00} collection account that has been previously disputed and is unverifiable. 
XXXX. XXXX, XXXX ( XXXX North Apartments ) reported as Paid, Closed, but still showing as a derogatory collection. 
XXXX XXXX XXXX XXXX reports XXXX late payments after settlement ; account should not reflect late history after being settled. 
XXXX. XXXX. of XXXX / XXXX multiple student loans showing XXXX  day delinquencies without consistent or verifiable payment data. 

These inaccurate items are damaging my credit score and have caused denials for credit and higher interest rates. I have not received proper verification documents or any evidence that Experian has confirmed these debts with original creditors as required under the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: TX

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on XXXXutopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
These are inaccurate items. They show as late payments.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: ND

Complaint narrative:
I am disputing the following charged-off accounts that are reported inaccurately or incompletely : CHARGED OFF XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$5300.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$240.00} INQUIRIES XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX - Date : XX/XX/XXXX XXXX XXXX  - Date : 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 2025-11-11 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Date : XX/XX/year>2025 To : Consumer Financial Protection Bureau ( CFPB )XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Subject : Dispute of Improperly Negative Reporting XX/XX/XXXXBANK / XXXXXX/XX/XXXXCREDIT CARD Dear CFPB, I am filing this complaint and dispute regarding the inaccurate and improperly negative reporting of my XXXX XXXX Bank XXXX XXXX XXXX Credit Card Account Number : XXXX Although the account is reported as Pays account as agreed, the manner in which the data is being furnished is negatively impacting my credit score and does not reflect an accurate or fair representation of my payment behavior. 
Specifically : XXXX. The credit limit reduction from {$5300.00} to {$1200.00} is reported inconsistently and without proper update dates across bureaus. 
XXXX. The balance amounts and payment dates differ among TransUnion, Experian, and Equifax, making it appear as if payments were missed or delayed. 
XXXX. These inconsistencies are causing the account to be interpreted as negative in automated scoring systems, despite my record of on-time payments. 
These practices violate several provisions of the Fair Credit Reporting Act ( FCRA ), including : XXXX ( b ) Failure to ensure maximum accuracy of the information reported. 
XXXX ( a ) Failure to reinvestigate disputed information. 
XXXX ( a ) ( XXXX ) Failure of the data furnisher ( XXXX XXXX Bank ) to correct incomplete or inaccurate information. 
I am requesting a reinvestigation of this account and a directive to XXXX XXXX Bank and all credit reporting agencies to : Correct all discrepancies in balance, payment date, and credit limit history. 
Remove or reclassify any negative or risk-related notations resulting from inconsistent data. 
Provide written confirmation of the corrections made within the XXXXday period allowed under federal law. 
If these inaccuracies are not resolved, I reserve my right to pursue further actions under FCRA XXXX for negligent or willful noncompliance. 
Attached are supporting copies of my credit reports showing the inconsistent and improperly negative reporting. 
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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am filing a complaint against Mr. Cooper, the company currently servicing my mortgage loan. When my loan was transferred to Mr. Cooper last year, I received written assurances that no action was required on my part and that the transfer would be handled internally between lenders. 
However, nearly XXXX months later, while preparing to refinance my home, I discovered that my homeowners insurance policy had been cancelled due to non-payment. My insurance provider informed me that they had sent multiple notices to Mr. Cooper, but received no response. I was never notified of the cancellation or lapse in coverage. 
This situation left my home uninsured for monthssomething I only discovered while living in the property with my XXXX XXXX Upon learning this, I immediately purchased a new insurance policy. 
Now, Mr. Cooper is demanding proof of insurance for the lapsed period and threatening to charge me nearly {$5000.00} for a force-placed policy. I believe this lapse was due to their negligence in handling the escrow and insurance communication during the loan transfer. I was not informed, nor given any opportunity to correct the issue. 
I respectfully request that the CFPB investigate this matter and help ensure that Mr. Cooper does not unfairly penalize me for a lapse that occurred due to their failure to act on insurance notices and communicate with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: MS

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 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:
Could you review this entry? Its late and might contain errors.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
XX/XX/year> I made a CitiXX/XX/XXXXXXXX credit card payment of {$190.00} on their website ; and I received a confirmation number. Approximately XXXX weeks later I received a bill via postal mail with the XXXX charge still on my credit card ; and I called and spoke with a Citi XX/XX/XXXXXXXX representative at which time we discovered that my nonexisting checking account were on the Citi XXXX XXXX XXXX website; she agreed to remove the nonexisting checking account. XX/XX/year> I made another credit card payment of {$500.00} online ; and I received a confirmation number ; but it was charged to my nonexisting checking account which I was unaware until days later when I received a notice via postal mail from Citi XX/XX/XXXXXXXX that my check was returned and my credit card account was closed. XX/XX/year> I called the Citi XXXX XXXX XXXX company and spoke with a manager. I requested that CitiXX/XX/XXXXXXXX do not report that my account was closed due to my return check since they did not remove my old checking account from their website per my request. They declined my request stating I was responsible. I called CFPB, and the agent asked if I would try reaching out to the Citi XXXX XXXX XXXX XXXX more time ; I agreed and contacted Citi XXXX XXXX XXXX again and spoke with a Citi XXXX XXXX XXXX representative ; she recorded my information ; sent in my request to correct information being reported on my credit report ; and said Citi would investigate ; XX/XX/year> Citi XX/XX/XXXXXXXX mailed me a report and stated my credit information is unchanged ( which means the XXXX returned checks and account closure is still on my credit report ) ; they would add " disputed by the consumer '' to my profile ; I could contact credit reporting agencies to add a statement of explanation to my credit report if I wanted to. However, Citi XXXX XXXX should not report my returned checks and closed account on my credit report since they did not remove my nonexisting checking account from their website per my request; charged my nonexisting checking account ; and provided me with confirmation numbers. To point out, I was making payments in advance ; as I was preparing for a medical leave and paying off bills ; my credit score is currently XXXX ; and I am very concerned due to my present medical condition ; and don't want my credit damaged. Also, the nonexisting checking account numbers are very similar to my active checking accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: DC

Complaint narrative:
I am disputing the bankruptcy showing on my credit report because it is not mine. I have never filed for bankruptcy, and I believe it was reported in error. 

Under the Fair Credit Reporting Act ( FCRA ) Sections 611 and 607 ( b ), credit bureaus must make sure all information is accurate and remove anything that cant be verified. 


Bankruptcy - XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, 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. 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.

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

Complaint narrative:
This account is fraudulent and I want this removed from my credit report immediately XXXX XXXX XXXX XXXXXXXX. This inquiry is not authorized. Please remove it from my credit report immediately 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 non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: DigniFi
State: TX

Complaint narrative:
ATTN : Dignifi XXXX XXXX Ref : Medical Deletion Dispute with Dignifi XXXX Acct {$360.00} Debt Charged Off XXXX XXXX Previously XXXX  XXXX XXXX  ( Car ) XXXX  deleted this in XX/XX/year> in regards to Medical Debt Laws vehicle used for doctor visits and XXXX XXXX. 

Dignifi Debt " The following debts ( s ) below MUST be removed deleted as per federal law since each of them related to the Consumer Financial Protection Bureau ( CFPB ), Regulation V, XXXX XXXX XXXX. '' PleasepermanentlyBLOCK/ and DELETEthis Dignifi accounts immediately from my credit report they both are all medically related. This is a violation of the medically reports laws ( especially with amount balance of {$360.00} which is legally below {$500.00} ; I dont own this debt ). Seems Dignifi installed, repaired/ installed medical wheelchair ramp and other medical related repairs. If such reporting DIGNIFI debt isnt permanently blocked/deleted from my credit report litigation will be filed with TransUnion and Dignifi for illegally allowing this debt to defame negatively harm credit file. 


Dignified Acct # XXXX was a car handicap medical repair used strictly and solely for medical doctor visits, had handicap medical equipment wheelchair accessible, handicap medical controls installed. 

XXXX XXXX XXXX XXXX Acct # XXXX has been deleted by credit bureaus for medical credit reporting violation. 

This same car that was charged off/ repossessed and strictly used for medical doctor visits, had XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please contact XXXX  and delete this account immediately that's in violation or litigation will occur. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: OH

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following information reported on my Experian credit report. These items are inaccurate and I request that they be investigated and removed if they do not comply with the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute : Charged-Off Accounts XXXX XXXX Account Number :XX/XX/XXXX, Date Opened : XX/XX/XXXX Balance : {$0.00} Status : Charged-Off Inquiries : XXXX Date : XX/XX/XXXX XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX XXXX XXXXXX/XX/XXXXDate : XX/XX/XXXX XXXXXX/XX/XXXX Date : XX/XX/XXXX Positive Accounts : None listed. 

Late Payments : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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:
Please remove these accounts within XXXX  days, as I have no association with them under the provisions of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
On XX/XX/year> I deposited a check from my retirement account for a hardship. Wellsfargo Bank has no reason indicating the extended hold from a HARDSHIP withdrawal. I will be submitting a complaint daily, also called the attorney general of CT until someone rightfully release these funds 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 non-monetary relief