vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
Dear Sir/Madam, I am a consumer attempting to resolve disputes related to inaccuracies in my credit report. Below are the accounts in dispute : Charged Off Accounts : XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$5000.00} XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$2800.00} XXXX XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$860.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX, Account # XXXX, Date Opened : XX/XX/XXXX, Balance : {$1900.00} Inquiries : XXXX XXXX, Date : XX/XX/XXXX XXXX XXXX, Date : XX/XX/XXXX XXXX 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 XXXX 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

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 2025-12-18 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
AS A DIRECT RESULT OF THE REPORTING AGENCYS FAILURE TO CORRECT, VERIFY, OR REMOVE FALSE INFORMATION, I HAVE SUFFERED MEASURABLE AND CONTINUING HARM. INACCURATE DATA HAS BEEN USED BY THIRD PARTIES TO DENY CREDIT, ALTER TERMS, AND DAMAGE MY REPUTATION. THIS VIOLATES MY RIGHTS UNDER 15 U.S.C. 1681N AND 1681O, WHICH PROVIDE REMEDIES FOR WILLFUL AND NEGLIGENT NONCOMPLIANCE WITH THE FCRA. 

THE REPORTED ERRORS HAVE CAUSED FINANCIAL, PROFESSIONAL, AND EMOTIONAL DAMAGE, INCLUDING INCREASED INTEREST RATES, DENIAL OF CREDIT OPPORTUNITIES, AND EMBARRASSMENT FROM BEING FALSELY REPRESENTED AS DELINQUENT OR UNRELIABLE. THE AGENCYS CONTINUED FAILURE TO REMOVE UNVERIFIED DATA EVEN AFTER FORMAL NOTICE DEMONSTRATES CONSCIOUS DISREGARD FOR CONSUMER RIGHTS AND FEDERAL LAW. 

FURTHERMORE, THE AGENCYS INACTION HAS ALLOWED THESE ERRORS TO PROPAGATE ACROSS MULTIPLE DATABASES, CREATING A SELF-PERPETUATING SYSTEM OF FALSE INFORMATION THAT IS IMPOSSIBLE FOR A CONSUMER TO FULLY REVERSE WITHOUT REGULATORY INTERVENTION. THIS IS A DIRECT VIOLATION OF THE DUTY TO ASSURE MAXIMUM POSSIBLE ACCURACY AND TO CEASE REPORTING INFORMATION KNOWN TO BE INACCURATE OR UNVERIFIED.

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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
See previous 2 report cases. All three ( 3 ) of these need to be combined together

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: WI

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
I am submitting this dispute to request a full investigation into the inaccurate, outdated, or incomplete information on my credit report. I request that each credit bureau review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the accounts in dispute for each bureau : Charged-Off Accounts : XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: AR

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 2025-12-18 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: AR

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: IL

Complaint narrative:
XXXX is continuing to report inaccurate and incomplete credit information regarding my federal student loan account. XXXX reported my account as 90 days past due in XX/XX/year>, and then reported ND No Data for subsequent months instead of a complete and consistent payment status. This reporting is misleading and does not accurately reflect the true status of my account. 

XXXX previously responded to my CFPB complaint and declined to correct the reporting but failed to provide verifiable documentation supporting the alleged delinquency, including billing statements, due dates, or proof that no deferment, forbearance, administrative pause, or repayment plan applied during the period in question. 

Reporting a serious delinquency followed by No Data months constitutes incomplete and inconsistent reporting, which violates XXXX obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) to conduct a reasonable investigation and report complete and accurate information.

I also filed a complaint with Federal Student Aid ( Department of Education ) requesting review of Nelnets servicing and reporting practices. As of this filing, XXXX has not substantiated the accuracy of the reported 90-day delinquency.

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 2025-12-18 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: IL

Complaint narrative:
XXXX is continuing to report inaccurate and incomplete credit information regarding my federal student loan account. XXXX reported my account as 90 days past due in XX/XX/year>, and then reported ND No Data for subsequent months instead of a complete and consistent payment status. This reporting is misleading and does not accurately reflect the true status of my account. 

XXXX previously responded to my CFPB complaint and declined to correct the reporting but failed to provide verifiable documentation supporting the alleged delinquency, including billing statements, due dates, or proof that no deferment, forbearance, administrative pause, or repayment plan applied during the period in question. 

Reporting a serious delinquency followed by No Data months constitutes incomplete and inconsistent reporting, which violates XXXX obligations under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) to conduct a reasonable investigation and report complete and accurate information.

I also filed a complaint with Federal Student Aid ( Department of Education ) requesting review of Nelnets servicing and reporting practices. As of this filing, XXXX has not substantiated the accuracy of the reported 90-day delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you XXXX 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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: WA

Complaint narrative:
I have never received a bill from the apartment complex for the disputed charges. My move out statement shows a XXXX balance due. XXXX months after my move out I received a bill from XXXX. XXXX XXXX XXXX XXXX without ever being notified about unpaid charges from the apartment complex. I requested proof of a billing statement on XX/XX/year> and have never received XXXX. When I refused to pay without proof of the charge they put the collection attempt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/year> at Chase Bank at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, I made XXXX deposits at the ATM. This is the one and only ATM at this location. I used XXXX XXXX to deposit my money. The first transaction had no issues, I deposited {$3500.00} in XXXX, XXXX, and XXXX. During the second transaction, I deposited about {$1400.00} in XXXX, XXXX, and XXXX. The ATM machine stalled, made a bunch of weird noise, and gave me a receipt that said to call and verify if the transaction occurred. I called that very day, and Chase Bank recredited my account properly. Two months later, on XX/XX/year>, Chase Bank reversed the credit, and took my {$1400.00} again. I called the bank and it was not resolved. So now Chase owes me {$1400.00}. They are saying the case is closed on their end, although they wrongly took my money months later after I thought the issue was resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. Failure to address this matter promptly will lead me to take further action to protect my rights.

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 2025-12-18 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: KS

Complaint narrative:
I am disputing the following accounts that have been incorrectly reported as charged off or contain other errors on my Experian report : CHARGED OFF ACCOUNT NAME : XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME : XXXX XXXX  XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00} ACCOUNT NAME XXXX XXXX XXXXXXXX XXXX  ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$39000.00} ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPENED : XX/XX/XXXX BALANCE : {$0.00}

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 2025-12-18 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: IL

Complaint narrative:
See attachments for full context ; Subject : NOTICE OF PROCEDURAL DEFICIENCIES AND FAILURE TO PROCESS CONSUMER DISPUTE On XX/XX/XXXX, I submitted a formal consumer dispute directly to TransUnion regarding inaccurate, incomplete, and unverifiable information appearing in my credit file, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The dispute was submitted by me, signed under penalty of perjury, and did not involve any third party, credit repair organization, or agent.

TransUnion received the dispute by certified mail on XX/XX/XXXX. 
On XX/XX/XXXX, TransUnion issued a postcard response stating that it refused to process the dispute because it did not appear to come from me or someone I authorized. I received that postcard on XX/XX/XXXX. 

TransUnion cited no statutory authority under the FCRA for refusing to process a dispute that was : submitted directly by the consumer, signed under penalty of perjury, and accompanied by identifying information.

I am unaware of any provision of the FCRA that permits a consumer reporting agency to reject a dispute on this basis without identifying a specific deficiency or providing a lawful method to cure it.

I did not authorize any third party to submit disputes on my behalf.

I am placing this correspondence into the CFPB record to establish a clear and accurate timeline of events under the FCRA and to preserve my statutory rights.

This submission is not intended to provide new information or to extend TransUnions reinvestigation period under 15 U.S.C. 1681i ( a ) ( 1 ) ( B ). Rather, it is submitted to document TransUnions handling of my dispute and to allow TransUnion the benefit of the original 30-day statutory period, which expires on XX/XX/XXXX, either to : 1. conduct the required reinvestigation and provide the results as mandated by 1681i, or 2. provide a substantive, lawful explanation supported by statutory authority for its determination that the dispute did not originate from me.

Absent either, TransUnions refusal raises serious concerns regarding compliance with its duties under the FCRA, including 1681i and 1681e ( b ).

A copy of the original dispute and other documentation has been submitted in attachments to this Complaint.

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 2025-12-18 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have had this Care Credit card for years. I paid the balance off and did not use it for a couple of years. I recently used it again and tried to log into the app to look at my upcoming statement. It stated that they updated their app and needed to verify me. It was unable to verify me online so I called customer support phone lines. They were unable to help me get through and said they sent a physical verification letter to me by mail and I wont be able to access the online account or app meanwhile. I still have not received this verification letter, but I received a statement by mail? I did not receive an email for upcoming bill. I only received a notification email once my payment was late XXXX days. At this point I called customer service phone line again for help and to find out why I was paying a late fee when it was not my fault that I cant access the online account to view information owed. They also want to charge over {$2.00} for a paper statement. They then charged me a payment card security on my paper statement. I did NOT ask for a paper statement. I also was unable to use my only debit card over the phone to make payment, the representative stated it would not go through even though the card was active and had enough balance. She told me they take payment by bank account, but then when I asked her to do that, she stated they cant. I had to use my partners card with his permission with the representative. Then they flagged my account as fraud. The payment was due that day and they refused to take my payment by banking account. This is malpractice and unprofessional. The representative and her manager were rude, unhelpful, and disrespectful.

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 2025-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: TRUIST FINANCIAL CORPORATION
State: MN

Complaint narrative:
I have a customer who paid more than their regular payment to reach their automatic termination LTV of 78 % of the initial appraised value. However, found that the automatic termination only applies to the DATE of amortization. Therefore, the wording of the disclosure is not clear as she could have requested to have it removed at least one year ago as she has been paying MI for 4 years now and could have requested when she was at 80 % LTV.

My suggestion is either to have it Automatic Termination can happen at the date OR when they reach 78 % of the initial appraisal in file. Another option is just to remove the 78 % LTV verbiage on the disclosure and just put the DATE it will automatically drop.

I just feel the disclosure form is a little misleading at this point and needs to be reworded for clarification. 

Thank you, 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