vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 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: CA

Complaint narrative:
Subject : Formal Dispute of Inaccurate Information on My Credit Report Dear Equifax, I am writing to formally dispute inaccurate information that appears on my credit file with your bureau. This letter is being sent pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) and 15 U.S.C. 1605 ( a ) regarding finance charges.

On my credit report, the account listed below is being reported with late payments. However, under 15 U.S.C. 1605 ( a ), if a finance charge was included in the sum of all payments for this account, there should not be any late payments reported.

Account in Question : Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX * Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX Creditor Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reported Late Payments : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I am submitting a dispute with Equifax regarding the following charged-off accounts, inquiries, and late payments that I believe have been inaccurately reported on my credit file. 

Charged-Off Accounts : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$7900.00} XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$3200.00} XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$330.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$420.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Inquiries : XXXX  Date XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: LD Holdings Group, LLC
State: NC

Complaint narrative:
I refinanced with the Loan Depot in XX/XX/year>. I was deceived in this refinance and should not have been approved. 

The purpose was so that I could reduce my monthly payments from the previous refinance that I had done 6 months prior. Those payments were too high and I waited 6 months to get them lower. I was informed by the broker/lender that they could refinance and save. However, the amount that we discussed would be the final monthly mortgage payment was not what it ended up being. They neglected to tell me it was not inclusive of taxes and insurance and therefore the payment was more than {$1000.00} higher than I was previously paying. They should never have approved this loan because the monthly mortgage payment was almost my entire monthly take home pay after taxes from my employer. I struggled to make these payments for a few months until I had to enter into a forbearance plan because I was not making enough money to make the payments. Then I was laid off from my job and it was made even worse and had to continue this plan to relieve from payments. Not an ideal situation. Had I understood better that I was not actually saving $ and was locked into a much higher payment that I could not afford I would have held off on refinancing. I feel that the lender/broker mislead me and didn't do the due diligence upon approval. I am not sure what I can get back out of this but I would like it if some relief monetarily was provided back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I worked with a U.S. company for several years as an international sourcing agent and received multiple commission payments through their bank. These payments were made for shipments that I helped develop and manage. For years, the transactions were consistent and documented. 

In XXXX, the company suddenly stopped providing the commercial documents needed to verify my earned commissions. However, shipments continued without any disclosure to me. I later discovered a shipping record showing that dozens of additional shipments were made after the last set of documents they provided. Without access to these documents, I can not determine the commissions owed to me for my work. 

I contacted the bank several times to confirm whether the commission-related payments continued and whether any internal review had taken place. I also opened a formal complaint with the bank, but I did not receive the needed transparency regarding the transaction trail, payment confirmations, or the banks communications with the account holder. 

The lack of disclosure and missing transaction information has prevented me from calculating what I am owed and has caused significant financial harm. I have escalated this issue through multiple regulatory channels, but the bank has still not provided the information required to resolve the matter. 

I am requesting CFPB assistance to ensure the bank discloses : Confirmation of all past and recent commission-related payments, Whether any additional payments were processed during the disputed period, A clear record of the transaction history tied to the commissions, Any findings from the banks internal review. 

This situation involves missing disclosures, a lack of transparency, and a failure to provide information that directly affects my financial rights. I am asking for CFPB support to obtain the necessary transaction documentation and ensure the bank meets its disclosure obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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 writing to dispute the following accounts reported on my credit file by Equifax. These accounts are inaccurately reported, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$8700.00} Inquiries : Dept of Ed Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: AL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: WA

Complaint narrative:
These accounts are being reported under my name without my authorization or awareness, and I have never authorized or managed them. This is completely unacceptable, as it presents inaccurate and misleading information about my financial history. I take my credit profile very seriously, and seeing these unauthorized accounts has caused me significant concern.

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 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I have encountered difficulties accessing my EQUIFAX, INC. account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and it is hindering my ability to obtain credit.

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 2025-11-20 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-11-20 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: LEXISNEXIS
State: CA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-11-20 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: TX

Complaint narrative:
These inquiries are not familiar to me and appear to be unauthorized. Please take immediate steps to address this matter. Additional clarification is included in the attached documents.

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 2025-11-20 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: CO

Complaint narrative:
I am disputing the following accounts due to inaccuracies and incomplete information that needs to be corrected or removed in accordance with the Fair Credit Reporting Act ( FCRA ). Please ensure these accounts are thoroughly reviewed. 

Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - XXXX, Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX - XXXX, Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX - XXXX, Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$2600.00} XXXX CARD - XXXX, Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX - XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXXXXXX, Opened : XX/XX/XXXX, Balance : {$540.00} Inquiries : XXXX XXXX - Date : XX/XX/XXXXXXXX XXXX XXXX XXXX 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 2025-11-20 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: IN

Complaint narrative:
I am requesting an immediately permanent FCRA 605B identity-theft block for a XXXX XXXX and XXXX XXXX account that was fraudulently opened in my name. 
I have submitted an FTC Identity Theft Report ( Number : XXXX ) and a police report ( Number : XXXX ). 
This account has previously been blocked under 605B, yet XXXX XXXX and XXXX XXXX keeps re-reporting it. 
The bureau removes it, but it keeps appearing, which violates FCRA 605B.

I need the account permanently blocked, and written confirmation provided.

I request that CFPB escalate this to ensure the accounts can not be reinserted.

FCRA 605B FTC Identity Theft Report, the credit bureau must permanently block the fraudulent account within 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IN

Complaint narrative:
I am requesting an immediately permanent FCRA 605B identity-theft block for a XXXX XXXX and XXXX XXXX account that was fraudulently opened in my name. 
I have submitted an FTC Identity Theft Report ( Number : XXXX ) and a police report ( Number : XXXX ). 
This account has previously been blocked under 605B, yet XXXX XXXX and XXXX XXXX keeps re-reporting it. 
The bureau removes it, but it keeps appearing, which violates FCRA 605B.

I need the account permanently blocked, and written confirmation provided.

I request that CFPB escalate this to ensure the accounts can not be reinserted.

FCRA 605B FTC Identity Theft Report, the credit bureau must permanently block the fraudulent account within 4 business days.

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 2025-11-20 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: CA

Complaint narrative:
This letter constitutes my formal refutation of the accounts referenced herein. They are not mine, and I did not permit their establishment. Please investigate and delete them. Supporting materials attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: FL

Complaint narrative:
My account with EQUIFAX EXPERIAN TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. 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 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 2025-11-20 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: NY

Complaint narrative:
I am disputing the inaccuracies on my credit report as they are having a direct negative impact on my financial standing and creditworthiness. Despite several attempts to resolve these issues, the same errors keep resurfacing on my report. These recurring mistakes are not only hurting my credit score but also hindering my ability to obtain financial opportunities. It is crucial that these inaccuracies be thoroughly investigated and corrected without delay. 


If these issues are not resolved in a timely manner, I will be pursuing legal action for any potential damages caused, including compensation for violations under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
Around XXXX, PayPal permanently limited my account. In other terms they kept my account and all its private info up, but with no way to do anything with it. This is a concern as around that time the email attached to that account had a password break-in which was indicated by several strange emails related to account authentication and password reset verification. My PayPal unfortunately used the same password ; however, shortly following this my account received this termination without warning. I reached out via official appeal channels, by email, by call ( no real agent ), and AI support chats. To this date Ive received no information, no reasoning, or follow up. My private info is still available including my current banking info on an account I can not manage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: IL

Complaint narrative:
To the Consumer Financial Protection Bureau I am filing this complaint because multiple companies and credit bureaus are reporting inaccurate, unverified, misleading, and unlawful information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and all applicable federal consumer protection LAW. I have repeatedly requested verification and proper investigation, but the data furnishers continue to report false information that damages my credit profile, financial standing, and personal rights. The following items are disputed and require immediate CFPB intervention. 
XXXX XXXX XXXX  Acct : XXXX * * Date Opened : XX/XX/year> Balance : {$2200.00} Collection * * Issue : I have NO knowledge of this account. I never signed any contract, agreement, or consent with this company. They failed to provide ANY written validation. This balance is not mine and appears to be falsely attached to my identity. This collection is 100 % unverifiable and must be REMOVED immediately. 
REQUEST TO CFPB ( WHAT I NEED ) I request that CFPB open a full investigation into each of these companies and require them to provide VALIDATION, CONTRACTS, SIGNED AGREEMENTS, PROOF OF DELIVERY, ITEMIZED BILLING, and LEGAL DOCUMENTATION for every account reported under my name. If they can not produce legal proof, I request immediate DELETION or CORRECTION of all inaccurate items. I request enforcement for violations of FCRA 602, 607, 611, 623 and FDCPA validation requirements. I request written confirmation of the actions taken.

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