vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
I want to emphasize that this complaint is not a mistake. My credit report contains inaccurate information that does not meet the required standard of maximum possible accuracy. These errors are having a serious and ongoing negative impact on my life, both emotionally and financially. 

This is an especially difficult time for me, and resolving these inaccuracies would bring meaningful relief. I respectfully urge you to correct and/or remove these items from my credit report as soon as possible.

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 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: RoundPoint Mortgage Servicing LLC
State: CA

Complaint narrative:
Escrow closed on XX/XX/XXXX. Roundpoint was the mortgage company that was fully paid off. Refund for outstanding funds of {$500.00} should have been paid by XX/XX/XXXX. Check was generated on XX/XX/XXXX ( I can see it online ). I'm being told by Roundpoint that I will not receive until XXXX business days AFTER the check was generated on XX/XX/XXXX. This means NOT receiving the funds until XX/XX/XXXX - XXXX business days after close of escrow. They are illegally holding funds based on RESPA requirements. And not paying any penalty or interest for this breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: GA

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 non-monetary relief
Consumer complaint received 2025-05-29 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: TX

Complaint narrative:
I have encountered difficulties accessing my Equifax Information Services 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 non-monetary relief
Consumer complaint received 2025-05-29 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Experian PXXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of unauthorized hard inquiries under 15 U.S. Code 1681i To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries on my experian credit report. Under 15 U.S.C. 1681i ( a ) of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to request an immediate reinvestigation of the following items that I believe are inaccurate and were not authorized by me : Hard Inquiries in Question : 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 XXXXXX/XX/XXXX I did not initiate any credit application or give written consent for these parties to access my credit file. Under 15 U.S. Code 1681b ( c ), a hard inquiry must be supported by permissible purpose, typically initiated by a consumer credit application. As I did not grant authorization or initiate any transaction with these entities, these inquiries appear to be in violation of the FCRA.

Per 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), I a, requesting that you conduct a reasonable investigation to determine whether these inquiries were lawfully made and remove any that can not be verified with appropriate documentation.

Enclosures : Copy of my Government ID Proof of address Copy of Current Experian credit report with disputed inquires highlighted Please provide the results of your investigation in writing within 30 days, as required by law. If the disputed inquiries can not be verified as authorized by me, they must be removed from my credit file.

Thank you for your attention to this matter.

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 2025-05-29 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: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XX/XX/year>, I noticed a hard inquiry on my XXXX  credit report made by Banco Popular without my authorization or consent. I did not apply for credit or initiate any transaction with this institution that would justify such an inquiry. This action negatively affects my credit score without a valid reason. I request that this matter be investigated and appropriate action taken because Im on a process to buy a house XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To Chase, I am writing regarding an account ending in xxxx that was accidentally opened on XX/XX/year>, and closed at my request on XX/XX/year>, as confirmed in your letter dated XX/XX/year>. I believe this account was opened due to a misleading user interface during the application process, which did not clearly indicate I was creating a new account and did not give approval. This unintended action has negatively impacted my credit score and took advantage of your future customers to hit account opened metrics. 

I would appreciate it if you could perform a goodwill deletion and request the credit bureaus XXXX XXXX XXXX XXXX XXXX to remove this account from my credit report, as it was never intended for use and was closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
A written request to all XXXX credit bureaus [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ], in which I formally requested validation of the alleged debt as well as the original signed contract associated with this account. Per the Fair Debt Collection Practices Act ( FDCPA ), I asked for the following : - Verification of the debt amount - The name of the original creditor - A copy of the original contract or agreement bearing my signature - How the debt is validated To date, I have not received a response or the requested documentation. Under the FDCPA, a debt collector must cease collection activity until proper validation is provided. Continuing to report this unvalidated debt to the credit bureaus may be a violation of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
A written request to all XXXX credit bureaus [ XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ], in which I formally requested validation of the alleged debt as well as the original signed contract associated with this account. Per the Fair Debt Collection Practices Act ( FDCPA ), I asked for the following : - Verification of the debt amount - The name of the original creditor - A copy of the original contract or agreement bearing my signature - How the debt is validated To date, I have not received a response or the requested documentation. Under the FDCPA, a debt collector must cease collection activity until proper validation is provided. Continuing to report this unvalidated debt to the credit bureaus may be a violation of my consumer 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 explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I have XXXX {$100.00} Amex Gift Cards that I received as gifts. I have tried to use them at multiple online retailers, they always decline. I have verified the balance on each card is correct and that they are activated. The Amex customer service line says that the 'merchant does not use the security code, so they can not approve the transaction ' even though the security code is entered on the payment screen. The merchants have no idea what Amex is talking about as they do require the security code to process a card. These cards are useless and they should not be sold. Amex is lying when they say " They can be used virtually anywhere American Express Cards are accepted in the U.S. '' Online forums are full with people complaining about the same situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
Complaint Summary : I am filing a complaint against IQ Data International Inc. regarding a collection account of {$19000.00} that has been inaccurately reported on my credit file. The account was associated with an incorrect address, and I never received any prior communication or validation of this debt. Despite multiple requests for verification, IQ Data International has failed to provide the necessary documentation. Furthermore, each time I dispute this account with the credit reporting agencies, the company modifies the information rather than removing it, indicating acknowledgment of inaccuracies. This pattern of behavior suggests potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Desired Resolution : I request the immediate removal of this erroneous collection account from my credit reports and a thorough investigation into IQ Data International Inc.s reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XXXX XXXX my account was restricted without warning. AFTER the account was restricted I received a letter in my online document center stating that USAA was exercising its right to stop doing banking with me and that the account closure would be complete within XXXX business days ( which would be the end of XXXX ) and they would mail me a check. I have called and spoken with multiple people whom say they arent given a reason for the closure without notice.

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 2025-05-29 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:
Following a data breach that compromised my personal information, fraudulent accounts have been reported on my credit file. Under Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I request that these accounts be blocked and removed within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Suttell, Hammer & White, P.S
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The Law Office Suttell & Hammer 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 XXXXThere was a telephonic and emailed notification of a change of address for XXXX XXXX ( see below)\n\na. As of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  will not  be authorized to receive\nlegal documents or legal notices and or legal service at this Address.\n\nb. All further correspondence and legal documents, or legal notices and or service, will be sent to the following address XXXX XXXX XXXX XXXX  NY XXXX XXXX XXXX XXXX(Please see Exhibits marked A)XXXX XXXX,  The Law Office Suttell & Hammer 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 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, as requested in documents. (Please see Exhibits marked C)\n\n d.The Law Office Suttell & Hammer 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  Used deceptive and unlawful tactics to obtain a default judgment against me without my knowledge by filing a complaint attempting service in a state and at an address I no longer reside in.  This unlawful deception was attempted after notice of my change of address. was given to The Law Office Suttell & Hammer 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 on XXXXn\nAttempted to serve legal documents by using deceptive and unlawful tactics to obtain a default judgment against me without my knowledge by filing a complaint attempting service in a state and at an address I no longer reside in, after notification of a change of address to the current residence of the of XXXX XXXX prior address.'

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 2025-05-29 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.

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: MS

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute a charge-off that still appears on my Equifax credit report. This account has been removed from my [ XXXX  ] credit report, and I am requesting that Equifax follow suit by conducting a review and removing the same. 

Details of the account are as follows : Creditor Name : [ XXXX XXXX XXXX ] Account Number : XXXX Date Opened : [ XX/XX/XXXX ] Reported Charge-Off Date : [ XX/XX/XXXX ] I have enclosed a copy of my [ XXXX  ] credit report showing that the account has been deleted from their records. I ask that you investigate and update my Equifax report to reflect the same. 

Please notify me in writing once the investigation is complete. Thank you for your prompt attention to this matter. 

Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Urgent Request to Correct Credit Reporting Error on Closed Lease Account To Whom It May Concern, I am writing to formally request immediate correction of an error on my credit report related to my prior lease account with XXXX XXXX XXXX. 
When my lease term with XXXX concluded, I chose to purchase a new vehiclespecifically, a XXXX XXXX XXXX XXXX XXXX XXXX through your dealership network. At that time, I was under the impression that my lease account would be closed with a XXXX balance. 
However, due to an unresolved and small balance that should have been cleared at lease-end, the account remained open and delinquent, eventually being reported as past due for almost XXXX years. This situation has significantly and unfairly impacted my credit standing, despite the fact that I maintained a positive and loyal relationship by financing a new vehicle with you. 
After multiple conversations with your customer service team, I was informed and assured that the account would be updated to reflect a paid on time as agreed status and that all late or missed payments would be removed from my credit file. Unfortunately, this correction has not yet been made. 
In accordance with the Fair Credit Reporting Act, I respectfully request that you : Update the lease account to reflect a {$0.00} balance and a paid on time/as agreed status. 
Remove any and all late or missed payment notations associated with this account from all credit bureaus. 
Confirm in writing that these corrections have been made. 
Attached are documents relevant to the lease termination and my new vehicle purchase, as well as any correspondence previously exchanged regarding this matter. 
Please consider this an urgent request. I appreciate your cooperation in resolving this issue swiftly and protecting the integrity of my credit history. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NV

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 non-monetary relief
Consumer complaint received 2025-05-29 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: NV

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