vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-01 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 WAS NEVER LATE! MY HUSBAND AND I WENT ROUNDS AND ROUNDS BACK AND FORTH WITH THE BRANCH XXXX XXXX XXXX AND THE CORPORATE HEADQUARTERS CUSTOMER SERVICE DIVISION ( WHICH ARE CLAIMED TO BE SEPARATE WITHIN THE COMPANY AND ONE CAN NOT SEE THE OTHERS NOTES NOR HAVE THE ABILITY TO CORRECT OR INFLUENCE EACH OTHER WITHIN THE SAME COMPANY... MAKES NO SENSE IN THIS MODERN ERA ). IN EITHER CASE NEITHER BRANCH NOR THE CUSTOMER SERVICE DIVISION COULD FIX THE ISSUE AND STATED IT'S BEST TO TAKE IT UP WITH THE 3 CREDIT BUREAUS TO FIX " MISTAKE ''. BOTTOM LINE IS THE LATE PAYMENT SHOWING IN XX/XX/XXXX IS FALSE. I have included in my packet of information to support the claim that Late Payment showing on my Consumer Credit Bureaus : Equifax, Transunion, and Experian is FALSE! I wrote a detailed explanation via email to the Branch XXXX XXXX Location in XXXXXXXX XXXX XXXX XXXXXXXX XXXX ) where I live, on XX/XX/XXXX. My " deep concern and somewhat angst '' over the " late payment '' on the XXXX Mortgage XXXXine of Credit that showed XX/XX/XXXX payment as being late, was NOT due to the fact that we did not have the money. As you will see as proof in the STATEMENTS from Checking and Savings for both XXXX ( my husband ) and myself, we as the owners of this loan, had PLENTY of money to cover the note. In fact, there has NEVER been an issue. The issue was lack of communication with the bank branch level when we were supposed to be connected to overdraft or auto pull from savings and peripheral accounts where our additional monies are held outside of the LOAN ACCT for payments. Also in early XXXX of XXXX, on a separate visit my husband XXXX and I went into the local XXXX branch and spoke to an employee and specifically asked if we could check the levels on our accounts to make sure there was plenty to cover the XXXX Mortgage Payment account ending XXXX, and we were told Yes, more than enough! So then all of the sudden the money is there in my checking account ending in XXXX and then also XXXX ending in XXXX. Additionally, we have NEVER been late since the inception of the XXXX Mortgage XXXX, and when you look at XXXX and my personal credit reports, we have NEVER missed any payments to any creditor or obligations we hold in XXXX years! We are asking respectfully to remove these late marks from both mine and XXXX consumer credit reports at all XXXX ( XXXX ) credit bureaus : Experian, Equifax, and Transunion. PLEASE SEE ALL DOCUMENTS PROVIDED TO SUPPORT THIS CLAIM. Thank you!, 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 2025-06-01 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: SC

Complaint narrative:
I am writing to formally dispute inaccurate and incomplete information on my credit report, similar to the concerns outlined in the recent lawsuit filed by the Consumer Financial Protection Bureau ( CFPB ) against XXXX. The CFPB lawsuit alleges that XXXX  has systematically failed to reasonably investigate consumer disputes, improperly handled dispute documentation, and failed to ensure the accuracy of consumer credit files. I have personally experienced many of these same issues, and I demand immediate corrective action and deletion of accounts referenced

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
These hard inquiries are fraudulent and doesn't belong to me : XXXX XX/XX/XXXX Experian XXXX - XXXX XX/XX/XXXX Experian

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 2025-06-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
For the third time in as many years, Chase Bank is attempting to open an escrow account against our home mortgage. As has been explained to them repeatedly over the years, there is no need for an escrow account to collect funds to cover insurance since that is paid for directly. Chase seems to be incapable understanding something so simple and basic. My request is quite simple. Stop trying to set up an escrow account and collecting money from me for something that is unnecessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Adjusters, LLC
State: SC

Complaint narrative:
After requesting foward agreement and contract agreement the collector decides to eliminate XXXX XXXX ASAP from original creditor and replaced it with National Credit Adjustment. Then they reinsert it on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I am submitting this complaint regarding a tradeline reported by XXXX Card ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. This account is reported as charged off with a written-off balance of {$7100.00}, but is also listed as past due for the same amount as of XX/XX/XXXX. This dual reporting is misleading and may be inaccurate under the Fair Credit Reporting Act ( FCRA ), which prohibits the furnishing of information that is materially misleading. If the account has been charged off, it should not also be reported as currently past due unless valid and ongoing collection activity exists. Furthermore, no IRS Form 1099-C has been issued, despite the apparent cancellation of the debt, potentially violating IRS Regulation 1.6050P. I request that the CFPB investigate the accuracy and legality of this reporting, require XXXX Card to provide proper validation or correction, and ensure compliance with FCRA, IRS rules, and Metro 2 credit reporting standards. If the information can not be fully substantiated, I request removal of the tradeline.

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 2025-06-01 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: NC

Complaint narrative:
I am writing to formally dispute a negative items that are being reported on my credit report ; where I have been reaching out every month to all ( 3 ) Major Credit Bureaus XXXX Equifax, Experian and TransUnion ) starting with this account, XXXX XXXX XXXX XXXX XXXX with [ Account Number : * XXXX ] for {$140.00} and XXXX XXXX with [ Account Number : * XXXX } for {$1500.00} appears on my credit report with [ Experian, Equifax, and/or TransUnion ] XXXX and I believe it is inaccurate and should be removed immediately. 

I have attempted several times to resolve this matter directly with the furnisher of the information, but have not received a satisfactory response. The item ( XXXX ) in question is either factually incorrect, not verifiable, or is being reported in violation of the Fair Credit Reporting Act ( FCRA ). This account does not belong 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
Consumer complaint received 2025-06-01 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: NC

Complaint narrative:
I am writing to formally dispute a negative items that are being reported on my credit report ; where I have been reaching out every month to all ( 3 ) Major Credit Bureaus XXXX Equifax, Experian and TransUnion ) starting with this account, XXXX XXXX XXXX XXXX XXXX with [ Account Number : * XXXX ] for {$140.00} and XXXX XXXX with [ Account Number : * XXXX } for {$1500.00} appears on my credit report with [ Experian, Equifax, and/or TransUnion ] XXXX and I believe it is inaccurate and should be removed immediately. 

I have attempted several times to resolve this matter directly with the furnisher of the information, but have not received a satisfactory response. The item ( XXXX ) in question is either factually incorrect, not verifiable, or is being reported in violation of the Fair Credit Reporting Act ( FCRA ). This account does not belong to me!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: TN

Complaint narrative:
XXXX XXXX violated my rights with the FERPA policy by getting full access to my privacy. My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

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 2025-06-01 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: TN

Complaint narrative:
XXXX XXXX violated my rights with the FERPA policy by getting full access to my privacy. My personal and financial information was compromised without my authorization. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information. Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: FL

Complaint narrative:
I am submitting this complaint regarding a tradeline reported by XXXX  XXXX XXXX ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. The account is being reported on my Experian credit file as charged off with a written-off balance of {$19000.00}. However, it is simultaneously listed as past due in the full amount as of XX/XX/XXXX. This type of dual reporting is misleading and potentially inaccurate under the Fair Credit Reporting Act ( FCRA ), as a charge-off indicates the creditor has closed the account for accounting purposes and should not be simultaneously reported as currently past due unless valid collection efforts are actively ongoing. Furthermore, no IRS Form 1099-C has been issued, which may violate IRS Regulation 1.6050P if the debt has been forgiven or deemed uncollectible. I respectfully request the CFPB to investigate this tradeline, require XXXX  XXXX XXXX to verify the accuracy and legal basis for reporting this account as both charged off and past due, and ensure compliance with FCRA, IRS regulations, and Metro 2 data reporting standards.

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 2025-06-01 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:
I am submitting this complaint regarding a tradeline reported by XXXX  XXXX XXXX ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. The account is being reported on my Experian credit file as charged off with a written-off balance of {$19000.00}. However, it is simultaneously listed as past due in the full amount as of XX/XX/XXXX. This type of dual reporting is misleading and potentially inaccurate under the Fair Credit Reporting Act ( FCRA ), as a charge-off indicates the creditor has closed the account for accounting purposes and should not be simultaneously reported as currently past due unless valid collection efforts are actively ongoing. Furthermore, no IRS Form 1099-C has been issued, which may violate IRS Regulation 1.6050P if the debt has been forgiven or deemed uncollectible. I respectfully request the CFPB to investigate this tradeline, require XXXX  XXXX XXXX to verify the accuracy and legal basis for reporting this account as both charged off and past due, and ensure compliance with FCRA, IRS regulations, and Metro 2 data reporting standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: SC

Complaint narrative:
I am a victim of XXXX  XXXX  this is my second attempt of notifying the bureau

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 2025-06-01 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: NV

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Comnt is [ FTC Complaint Number ], filed on [ FTC Complaint Date ]. mission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complain FTC Report Number. Date : XX/XX/XXXX XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXXL Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXXXXXX XXXXL XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX 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 2025-06-01 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:
I am submitting this complaint regarding a tradeline reported by XXXX XXXX ( Account Number : XXXX ), an individual credit card account opened on XX/XX/XXXX. The account is reported as charged off with a written-off balance of {$6000.00}, but is simultaneously listed as past due in the full amount as of XX/XX/XXXX. This is misleading and inconsistent with the Fair Credit Reporting Act ( FCRA ), as a charge-off represents a final accounting action and should not also reflect an actively delinquent balance unless supported by ongoing collection efforts. Additionally, no IRS Form 1099-C has been issued to me for the cancellation of this debt, which may constitute a violation of IRS Regulation 1.6050P. I respectfully request the CFPB to investigate this account, verify the legal basis for this dual reporting, and ensure XXXX  XXXX is in compliance with the FCRA, IRS requirements, and Metro 2 credit reporting guidelines. If validation can not be provided, I request the tradeline be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Summary : I am filing this complaint against TransUnion, Experian, and Equifax for failing to report accurate and consistent information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 611 ( a ).

After reviewing my credit report, I found multiple accounts that show different reporting details across the XXXX credit bureaus. These inconsistencies include conflicting balances, account statuses, dates opened, and payment histories. 
I have attached screenshots showing how the same accounts are being reported differently across the XXXX CRAs. Despite multiple efforts to resolve these discrepancies, the accounts remain unchanged, causing harm to my creditworthiness and financial opportunities. 
Requested Resolution : I demand that all inaccurately reported and inconsistent accounts be deleted from my credit report unless full XXXX XXXXcompliant verification is provided. 
Enclosures : - Dispute letters sent to TransUnion, Experian, and Equifax - Credit report excerpts highlighting inconsistencies - Screenshots of account discrepancies Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  SSN : XXXX XXXX : XX/XX/year> Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-01 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: PA

Complaint narrative:
Consumer Financial Protection Bureau Complaint Summary : I am filing this complaint against TransUnion, Experian, and Equifax for failing to report accurate and consistent information on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ) 1681e ( b ) and 611 ( a ).

After reviewing my credit report, I found multiple accounts that show different reporting details across the XXXX credit bureaus. These inconsistencies include conflicting balances, account statuses, dates opened, and payment histories. 
I have attached screenshots showing how the same accounts are being reported differently across the XXXX CRAs. Despite multiple efforts to resolve these discrepancies, the accounts remain unchanged, causing harm to my creditworthiness and financial opportunities. 
Requested Resolution : I demand that all inaccurately reported and inconsistent accounts be deleted from my credit report unless full XXXX XXXXcompliant verification is provided. 
Enclosures : - Dispute letters sent to TransUnion, Experian, and Equifax - Credit report excerpts highlighting inconsistencies - Screenshots of account discrepancies Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  SSN : XXXX XXXX : XX/XX/year> Phone : XXXX Email : 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 2025-06-01 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: LEXISNEXIS
State: NY

Complaint narrative:
i MADE NUMEROUS REQUESTS FOR A COPY OF MY CREDIT REPORT. EACH TIME I SPEAK WITH SOMEONE ON THE PHONE, THEY SAY ITS BEING SENT. I ADVISED THEM THAT THE ONLY THING I RECIEVED WAS A LETTER WITH A ONE-TIME URL AND A PIN NUMBER.. UPON USING IT, I WAS ABLE TO NOTICE THAT MY REPORT WAS OVER XXXX PAGES LONG AND FULL OF INCORRECT AND FALSE INFORMATION. ONCE I SHUT MY COMPUTER OR LEFT THAT PAGE, I COULD NOT GO BACK TO IT. I REQUESTED THAT THEY SEND ME A HARD COPY OF ALL PAGES OF THE REPORT WHICH THEY HAVE FAILED TO DO SINCE XXXX, XXXX. I HAVE BEEN DENIED INSURANCE AND/OR QUOTED EXCESSIVE RATES BECAUSE THE XXXX CONTAINED IN THIS REPORT IS FALSE OR MISLEADING. THEY JHAVE FAILED TO PROVIDE ME WITH A HARD COPY SO THAT I MAY SUBMIT MY REQUEST FOR CORRECTIVE ACTION.

Company response to consumer: Closed with explanation