vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-26 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: LA

Complaint narrative:
i disputed the XXXX XXXX XXXX account due to multiple inaccuracies and violations of the fair credit reporting act. the account was re-aged, updated falsely, and the information reported is not accurate or verifiable. despite my request for proper investigation and validation, the bureau failed to fully correct or remove the account. this is causing ongoing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I had a Checking account with Wells Fargo. I had applied for a loan, online that seemed legit. I gave them my info as you do when applying for a loan. The bank called me, due to someone calling them, trying to get an ok, to send the money, she said it didnt sound right. While on the phone, the guy from XXXX XXXX, whose name was XXXX, started depositing checks in the account, and the lady from Wells Fargo said they were Fraudulent checks. She then said, they were going to shut that account down. I thanked her, we talked some more, until it was shut down. Then another person from the bank, called and said, they were going to open me a new account, and that I will receive a new card and information in 7 days. I waited, then on the 3rd day, I believe, someone else called and said that I was not able to use their bank anymore. I was confused, I asked her why, I told her that those checks coming in, werent mine, I dont even do checks, why would you all shut me out permanently for something thats not my fault and when the checks started coming in, I was on the phone with one of their managers. I know, I applied for the loan, who doesnt sometimes apply online for loans. Everything seem legit to me. I feel this was wrong and I feel they have put this as if it was my fault and now I am having trouble opening up a bank account elsewhere. This is so wrong, I am XXXXXXXX XXXX XXXX, on XXXX and never dealt with anything like this. I feel they were wrong not to open me another account with different numbers and a new card, when one lady said she would. Please help me get some clarity to this. I even have a voice message of the guy from XXXXXXXX XXXX saying that he was depositing the money in the account, but they refused to let me come, so they could hear it. What can I do about this, if anything?

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 2025-04-26 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX sold this account to portfolio recovery and they are still appearing on my credit account when they have sold the account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Macys is stating i am not making payments. I closed the account due to the unauthorized high interest rate. I opposed to it and was still charged the rate increase. I have never missed payments they failed to enroll me in a program and close my account when i requested. The person only closed the account and failed to update. I called macys fixed the issue and placed the account in a payment plan. Macys is reporting non payment for more than XXXX days i have attached the check that automatically comes out of my account every month.

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 2025-04-26 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: DE

Complaint narrative:
You are reporting this collection as an open account which is not under FCRA compliance. This is inaccurate reporting and it needs to be removed immediately. Please send me a copy of my credit report when below collection is deleted and has been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
What happened? 

I am submitting this complaint regarding JPMCB - Home Lending for knowingly reporting false information to the credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ). They have inaccurately reported XXXX ( XXXX ) instances of XXXX late payments on my mortgage account opened XX/XX/year>. This is incorrect I was never late on this account. 

Upon discovering this error, I promptly disputed the reporting and requested that JPMCB furnish records to validate any alleged missed payments. To date, they have failed to provide legitimate documentation to justify their derogatory reporting. This constitutes not only a failure to investigate under 15 U.S.C. 1681i but also the continued furnishing of inaccurate information. 

The presence of these false late payments has caused measurable harm to my creditworthiness and subjected me to financial and reputational damage. 

If JPMCB can not furnish verifiable proof of these alleged late payments, they are obligated under federal law to correct or delete the information immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: LEXISNEXIS
State: NC

Complaint narrative:
Dear CFPB Team, I am writing to file a formal complaint against LexisNexis for their continued verification of inaccurate bankruptcy information on my credit report. Despite my efforts to dispute this matter directly with LexisNexis, the issue remains unresolved, prompting me to seek your intervention in accordance with the law. 

LexisNexis is reporting bankruptcy information in violation of Metro 2 Format guidelines, which specify stringent requirements for data accuracy and integrity. Furthermore, under Federal Rule of Bankruptcy Procedure 9037, the disclosure of certain personally identifiable information in bankruptcy records is prohibited, raising concerns about the legality of their reporting practices. 

The inaccurate reporting of this bankruptcy has adversely affected my credit profile, causing undue harm to my financial well-being. Despite providing documentation to support my disputeincluding court records that verify the bankruptcy data is either incomplete or inaccurately attributedLexisNexis has failed to address or rectify the matter. 

I kindly request the CFPB to investigate this issue and take necessary actions to ensure LexisNexis complies with applicable laws and regulations. I believe their reporting practices not only breach consumer protection laws but also pose a risk of identity theft due to the mishandling of sensitive personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-26 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I filed a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) concerning the foreclosure of my late mother, XXXX XXXX 's, property. The complaint addressed concerns about Carrington Mortgage Services ' handling of the foreclosure process, particularly in light of ongoing probate proceedings.

In response, Carrington Mortgage Services sent a letter referencing an inquiry made on XX/XX/year>, regarding my mother 's property. Which is under a different address and a different borrower name. The letter we received, listed my personal home mortgage account number and listed myself and my wife as borrowers. It did not list my mother 's property address or her name as a borrower as that is the property that the compliant was filed in behalf of. Neither my wife nor I made such an inquiry on that date, in regards to our private home, our mortgage account is in good standing with no relation to the complaint filed. The complaint was solely about the foreclosure of my mother 's property, which is a separate matter entirely. 

This discrepancy raises serious concerns about the accuracy and integrity of Carrington 's response to my complaint. The use of an incorrect account number and the listing of borrowers who are not associated with any such complaints not only undermines the validity of Carrington 's response but also suggests potential mishandling of sensitive information. Given the serious nature of my complaint, which involves allegations of unjust foreclosure practices, it is imperative that all communications and records are accurate and properly associated with the correct account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
On XX/XX/year> I received a notice stating make a payment of {$140.00} to avoid a XXXX day notice being sent to the credit bureau. 

I paid the {$140.00} immediately. 

The next month, I made a full months total amount owed payment of {$450.00} for XXXX. 

The next month, I paid {$100.00} for XXXX. 

The remaining XXXX balance was {$350.00} my late fees are {$5.00} when not paid on time. 

So, {$350.00} + {$5.00} is {$360.00} for XXXX This month is XXXX, I haven't made my payment yet, and I only owe {$450.00} for XXXX and {$360.00} for XXXX. 

However, I have numerous varying collection letters for anywhere from {$900.00} - {$1400.00}, and they are attached to this complaint XXXX month, Bridgecrest sends me a notice at the beginning of the month around the XXXX, then they add {$100.00} to the amount owed, and send another by the XXXX or so. My payments have cleared my bank account, and there is no bounced XXXX. 

Then I am threatened with repossession when my account is not XXXX days delinquent. It is {$820.00} plus a {$5.00} after the last day of the month this month. 

It is clear in the payment history that I only have XXXX {$5.00} fee in the last XXXX months. That's because I was only late once. 

However, I am being asked to pay much more than XXXX payment to stop repossession. 

I don't owe that much money, and this is an illegal collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint because certain accounts on my Experian credit report have not been properly investigated despite multiple formal disputes I submitted over several months. I have not received sufficient documentation showing that a reasonable investigation was conducted as required under the Fair Credit Reporting Act ( FCRA ). 

I sent written disputes to the credit reporting agency ( or agencies ) on the following dates : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Each dispute clearly identified the specific accounts being challenged, the reasons for the dispute, and included any supporting documentation needed to facilitate a proper reinvestigation. In my dispute letters, I specifically requested that the credit reporting agency provide : A full investigation of each account Verification of the accuracy of the accounts from the furnishers A description of the investigation conducted, along with the name and contact information of the furnisher they verified with, if applicable Despite these efforts, I have not received proper validation or results from any of the disputes. In most cases, I either received generic or automated responses or no meaningful response at all. No evidence or documentation demonstrating a thorough investigation was provided. Additionally, the disputed accounts continue to be reported inaccurately, negatively impacting my credit profile.

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 2025-04-26 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: CA

Complaint narrative:
I am submitting a formal complaint regarding inaccurate, inconsistent, and incomplete information appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 1 ), and Metro 2 compliance standards. 

On XX/XX/year>, I submitted a formal dispute directly to the credit reporting agency, identifying multiple accounts with inaccurate and inconsistent reporting across Experian, Equifax, and TransUnion. The issues include conflicting Dates of Last Activity, inconsistent High Credit amounts, differing Credit Limits, incorrect Past Due balances, and illegal double reporting where balances were reported after charge-off while collection accounts also reported.

I formally requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) for each disputed account. The credit reporting agency failed to properly respond within the required 30-day timeframe. No MOV was provided, no documented proof was offered, and no reasonable investigation was completed, which violates the duty to investigate under FCRA 611 ( a ) ( 1 ) ( A ). 

On XX/XX/year>, I filed a second dispute addressing the same unresolved issues. I have attached copies of the original dispute letters submitted on XX/XX/year> and the second disputes filed today. 

Pursuant to FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be verified with full accuracy, completeness, and consistency must be permanently deleted. Their failure to properly reinvestigate, failure to provide a valid Method of Verification, and failure to delete unverifiable information constitute willful and negligent noncompliance under FCRA 616 and 617.

I am requesting that the CFPB intervene and require the credit reporting agency to immediately delete all inaccurate and unverifiable information from my consumer reports as the appropriate and lawful resolution. Continued retention of this unverifiable and inconsistent information is causing harm to my creditworthiness and violates my rights under federal 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 non-monetary relief
Consumer complaint received 2025-04-26 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:
I am submitting a formal complaint regarding inaccurate, inconsistent, and incomplete information appearing on my consumer credit report in violation of the Fair Credit Reporting Act ( FCRA ) 623 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 1 ), and Metro 2 compliance standards. 

On XX/XX/year>, I submitted a formal dispute directly to the credit reporting agency, identifying multiple accounts with inaccurate and inconsistent reporting across Experian, Equifax, and TransUnion. The issues include conflicting Dates of Last Activity, inconsistent High Credit amounts, differing Credit Limits, incorrect Past Due balances, and illegal double reporting where balances were reported after charge-off while collection accounts also reported.

I formally requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) for each disputed account. The credit reporting agency failed to properly respond within the required 30-day timeframe. No MOV was provided, no documented proof was offered, and no reasonable investigation was completed, which violates the duty to investigate under FCRA 611 ( a ) ( 1 ) ( A ). 

On XX/XX/year>, I filed a second dispute addressing the same unresolved issues. I have attached copies of the original dispute letters submitted on XX/XX/year> and the second disputes filed today. 

Pursuant to FCRA 611 ( a ) ( 5 ) ( A ), any information that can not be verified with full accuracy, completeness, and consistency must be permanently deleted. Their failure to properly reinvestigate, failure to provide a valid Method of Verification, and failure to delete unverifiable information constitute willful and negligent noncompliance under FCRA 616 and 617.

I am requesting that the CFPB intervene and require the credit reporting agency to immediately delete all inaccurate and unverifiable information from my consumer reports as the appropriate and lawful resolution. Continued retention of this unverifiable and inconsistent information is causing harm to my creditworthiness and violates my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: NJ

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of identity theft and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Some organizations or companies I did not recognize accessed my credit report without my authorization, resulting in hard inquiries. 
I requested that TransUnion remove these unauthorized inquiries, but they responded as if I had authorized them and did not correct or remove the inaccurate information. 
I requested the removal of the unauthorized hard inquiries from my credit report.

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 2025-04-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have been a loyal customer of Bank of America for over XXXX years, always making my payments on time and maintaining an excellent credit history. Due to an honest oversight, I missed a {$340.00} credit card payment for XXXX months, even though I had {$3500.00} available in my checking account linked to this card. 

Unfortunately, I did not receive any email, text, or phone notification from the bank regarding this missed paymentno warning or courtesy alert was sent to me. I only became aware of the missed payment after seeing a negative mark on my credit report. I immediately paid the full balance upon discovering the issue. 

I contacted the bank to request a goodwill adjustment, explaining my perfect payment record and the circumstances of this honest mistake, but my request was denied without any flexibility. They only granted late payments.I am very disappointed that a longstanding customer with an otherwise flawless record is receiving no assistance in this situation. 

I kindly request the CFPBs help in asking the bank to make a goodwill adjustment and remove this negative item from my credit report. I believe this is a fair request given my history and the lack of notification from the bank. 

Thank you for your attention.

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 2025-04-26 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: MD

Complaint narrative:
I am asking for your help to look into accounts from companies that are incorrectly reporting late payments. After reviewing my credit report, I noticed certain accounts marked late, which is not accurate. There should be no late payment remarks on these accounts. Please remove these errors and update the accounts to reflect a positive status as agreed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I contacted Chase bank in the summer of XXXX about my past due account. They sent me over to their department that handled past due accounts and enrolled me in their third party credit counseling program. I have made the credit counseling payments as agreed since that time for both cards, but they have been reporting the payments as late. Ive done my part to make the payments on these accounts and would like chase to change the way they are reporting to all of the credit bureaus to reflect the fact that these accounts are being paid as agreed.

Company response to consumer: Closed with explanation