vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: A&D Mortgage LLC
State: FL

Complaint narrative:
A & D Mortgage has incorrectly reported my account as 60 days past due, which is entirely inaccurate. I have evidence, including screenshots of payment confirmations, yet they persist in claiming my information is incorrect. This issue is being addressed under complaint number XXXX, and urgent assistance is needed. They now either refuse to take my calls or respond in a highly unprofessional manner. Their actions are damaging my credit, leading creditors to reduce my available credit, which significantly affects financial stability. We requested their cooperation on a temporary mortgage modification, but they insist that such a modification requires being 60 days past due on the mortgage, a route we strongly wish to avoid. Now, if my account is truly 60 days past due, why are they not cooperating with me then? It does not make any sense. If I am, then work with me. 
XXXX, XXXX and XXXX dates. They do not take calls anymore. They say someone will call back, but no one does.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: MI

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 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
Went to bank said was frozen because my deposits are different all the time.said it had to do with my last 3 deposits one was cashier XXXX  Been 2 weeks my life ins being cancelled car ins same and going to be in dark and no food couple days.REGIONS BANK SHOULD HAVE TO SUE

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 2025-10-14 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 formal complaint to the Consumer Financial Protection Bureau because my credit report contains inaccurate and unverified information that has severely impacted my creditworthiness. I have attempted to resolve these matters directly with the credit bureaus and furnishers ; however, the errors remain despite multiple disputes and supporting evidence. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I am entitled to accurate, complete, and verifiable credit reporting. The continued presence of these inaccuracies represents clear violations of my consumer rights, as outlined in the FCRA and Fair Credit Billing Act ( FCBA ). 

Account : XXXX XXXX XXXX XXXX XXXX XXXX  High Balance : {$440.00} Date Opened : XX/XX/year> This account reflects inaccurate and unverified late payment reporting which is damaging to my credit reputation. I have no record or contract proving the legitimacy of this payment history, and no valid documentation has ever been provided verifying that these late payments were accurate or belong to me. Under FCRA Section 611 ( a ), a consumer has the right to dispute any information believed to be incorrect, and the credit bureau must conduct a reasonable reinvestigation within the prescribed time frame. Additionally, under FCRA Section 623 ( a ) ( 3 ), furnishers of information must not report data they know or have reasonable cause to believe is inaccurate. The continued reporting of this late payment after multiple disputes indicates non-compliance and negligence. The account is therefore considered unverified and must be deleted immediately from my report. 

The repeated failures by the reporting agencies and furnishers to ensure data accuracy, despite multiple disputes, amount to a systemic disregard of consumer rights protected by federal law. These errors have caused me financial and emotional distress, unfairly lowering my credit score, and limiting access to fair credit opportunities. I am formally requesting the CFPB to investigate this matter thoroughly and compel the relevant credit bureaus and furnishers to remove all inaccurate data listed above. 
I expect a complete reinvestigation and response in compliance with the Fair Credit Reporting Act and any relevant federal guidelines protecting consumer rights. Thank you for your attention and for ensuring fair treatment of consumers like myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: LA

Complaint narrative:
I am filing this complaint because [ Experian / XXXX XXXX XXXX  ] has willfully ignored its duties under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ). Despite my disputes, the bureau failed to conduct a proper reinvestigation within 30 days, did not delete unverifiable information, and has not provided results. This violates 1681i and 1681e ( b ). Courts have made it clear that consumers can not be left with inaccurate credit reports : in XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court held inaccuracies must be corrected whether factual or legal ; in XXXX ( XXXX ), the Supreme Court reaffirmed broad FCRA liability ; and in XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX paid {$23.00} million after mishandling consumer disputes. Because of these violations, my credit profile is inaccurate, my access to fair credit has been harmed, and my financial reputation has been damaged. 

Accounts to Be Deleted : CHARGE OFF - 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-10-14 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: OK

Complaint narrative:
This account was paid in full, yet it continues to reflect late payment marks.

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 2025-10-14 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: TX

Complaint narrative:
I kindly ask for the removal of this inaccurate account from my credit report, as it is not associated with me and I did not authorize its creation. Attached are the necessary documentation to support my position. I appreciate your prompt attention to this matter and your efforts to correct this issue by removing the account from my credit report. Your swift response to this concern is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-10-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I received a letter from XXXX on XX/XX/year>, regarding a balance from moving out of their property. I contacted the office to inform them that I had already enrolled in their automated payment plan. They stated they'll look into it, and I never heard back. On XX/XX/year>, I paid the debt off in full. On XX/XX/year>, I received a letter from National Credit Systems stating that they were collecting a debt owed to XXXX XXXX XXXX. I emailed XXXX on XX/XX/year>, with proof attached that the balance was paid in full to XXXX. I never received a response. I received a credit alert in XXXX that a new collection was reported to my credit report. I called XXXX directly, and the lady was very rude, cutting me off while speaking, trying to tell me that I owed XXXX for move-out costs, etc. I tried to explain to her that I didn't owe them anything, as I paid them in full. Mid-sentence, she placed me on hold. I hung up and called back. She answers and says, " As I was trying to explain to you, the balance is for move-out costs, '' and I replied, " And as I was trying to explain to you, I paid them in full and sent your company an email, submitted an online dispute, and sent Portofino emails XXXX She responded, Well, it will take 60 days for us to review the dispute. I submitted a dispute with the credit bureaus, and XXXX replied that the information they're reporting is accurate. The data is not correct. These people are unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: NC

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I have recently pulled my credit report and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt.This letter is to inform you that I have the right to request a validation of this debt and your ability to collect this money from me. I ask that you prove that I am indeed the party who is contractually bound to pay off this debt or stop collection activity and remove it altogether.Please attach copies of the following documents : Agreement that you have authority to collect on this debt.Agreement that bears signature of the alleged debtor with promises to pay the original creditor.Complete payment history on this account, to prove that the amount you seek to collect is correct.I hope your legal staff will agree that noncompliance with this request will result in serious legal trouble for your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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: TX

Complaint narrative:
Please see the attached file. I am addressing the issue of noncompliance regarding my consumer report. Items have been included without my authorization, which is a violation of my privacy.

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 2025-10-14 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: WA

Complaint narrative:
On XX/XX/XXXX, Equifax sent dispute results ( Confirmation # XXXX ). Equifax deleted two XXXX XXXX XXXX XXXX XXXX collections ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) but continues to report a related credit-union debt under XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ID XXXX. That entry ( AccXXXX XXXX XXXX XXXXXXXX | original amount {$1300.00} | balance {$2300.00} | assigned XX/XX/XXXX | first delinquency XX/XX/XXXX | status Unpaid ) matches the same XXXX XXXX XXXX XXXX debt thaXXXX XXXX deleted on XX/XX/XXXX ( File ID # XXXX ) after finding the XXXX XXXX XXXX collection unverifiable. 
Reporting the same debt under a new name after another bureau removed it violates FCRA 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 1 ) ( A ), which require accurate and complete data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In the beginning of XXXX Chase Bank closed my personal checking account. When i ask bank 's customer service why account was closed they did not provide any reason - said to wait check by mail with my funds. 

For more then 6 month every 2 weeks i was calling to the bank asking where is my check, but they refuse to give me any information and any reason why i did not receive my funds/check by mail. 

Its already more then 8 month and i am still waiting check from Chase Bank Please help to resolve this problem with the bank and receive my money back thank you in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-14 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:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 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 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 2025-10-14 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: GA

Complaint narrative:
Violations include Late Payments : 15 USC 1681 a ( 2Xi ), 15 USC 1681/ Permissible Purpose : 15 USC 1681b ; / Accuracy : 15 USC 1681e ( b ) & 15 USC 1681i ( 5 ) ( a ) / Verification : 15 USC 1681i ( 7 ) I am an Equifax and XXXX  data breach consumer. My SSN was impacted by the two breaches. I have evidence confirming my SSN was impacted. As a direct result, my credit file contains fraudulent accounts I never authorized. and now they need to be held responsible! 

I never authorized these accounts ; they are fraudulent : a ) XXXX : # XXXX : Balance : {$8500.00} b ) XXXX XXXX : # XXXX Balance : {$280.00} c ) XXXX XXXX XXXX XXXX XXXX : Balance : {$210.00} d ) XXXX XXXX XXXXXXXX Card : # XXXX : Balance : {$3500.00} I further assert and your agency has failed to provide a meaningful resolution in accordance with my rights. I am also complaining about the handling of my identity theft claim, and to bring to your attention the impermissible access of my credit report, in direct violation of the Fair Credit Reporting Act ( FCRA ). I have discovered that the fraudulent accounts had been opened in my name without my knowledge or consent. There is no legal admissible evidence to verify the accuracy. I am requesting for the third time that the fraudulent information be deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-14 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: ND

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief