vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: MD

Complaint narrative:
I am contacting you in regards to the results of my successful disputes. I wanted to make sure that the information that was disputed and removed was also furnished to other consumer reporting agencies promptly as is required by the FCRA section 623 ( b ) ( D ) which states.

" if the investigation finds that the information is incomplete or inaccurate, report those results to all other consumer reporting agencies to which the person furnished the information and that compile and maintain files on consumers on a nationwide basis ; and '' So these results need to be sent to XXXX XXXX, Lexis Nexus, XXXX XXXX XXXXXXXX etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kovo
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

Formal Dispute of Inaccurate Late Payment I am writing to formally dispute inaccurate information appearing on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b. 

The tradeline from Kovo, XXXX XXXX, XXXX XXXX and XXXX XXXX  reporting on my credit file, shows late payment ( s ) on the following date ( s ) : [ Insert date ( s ) of the reported late payments ] These reported late payments are inaccurate and in violation of 15 U.S.C. 1666b, which requires that a creditor not treat a credit card payment as late if it was received by XXXXXXXX XXXX on the due date, or later if the creditors cutoff time is I am asserting that I made my payment ( s ) in accordance with this law, and therefore, the negative reporting is improper and must be removed. Please conduct a reinvestigation under the FCRA and correct or delete the inaccurate reporting all companies above Pursuant to the FCRA, you are required to complete your reinvestigation within 30 days. If you are unable to verify the accuracy of the late payments, the information must be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: LD Holdings Group, LLC
State: FL

Complaint narrative:
This is involving the Mortgage company & the insurance companies that are abusing Rule in Florida 69b-124.002 for the sole purpose of scheming with the insurance companies commit fraud for profit by using other policyholders money to pay claims for Loan Depot so that loan Depot can continue to receive there mortgage payment, because! If loan Depot consumer pays off there mortgage, they would be out millions in revanue

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
I used to live at XXXX XXXX XXXX XXXX California until I was forced out of my residence. I went through probate for my father 's land and house, never received any sort of payment, escrow funds, received nothing but cease and disist paperwork and forced off the property. The next door XXXX family title fraud on my land and home after XXXX  years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Debt Dispute - No Purchase Agreement on Record Account Number - XXXX Dear XXXX, XXXX XXXX XXXX XXXX XXXX, I am writing to formally dispute the validity of the debt referenced above. I recently received a notice from your office regarding an alleged debt. I do not recognize this debt, and I dispute your claim that I owe it. 

Specifically, I have never entered into any purchase agreement or contract with your company or any related creditor regarding this alleged account. As such, I request that you provide full and complete documentation verifying that I am legally obligated to pay this debt. This includes, but is not limited to : * A copy of the original purchase agreement or contract bearing my signature * A detailed statement of the charges and how they were incurred * Documentation showing that your company has the legal right to collect this debt Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you cease all collection activities until the above information is provided and the debt is validated. 

Please consider this letter a formal dispute of the debt and a request for validation. Until proper documentation is provided, I do not acknowledge any obligation to this alleged debt. 

If you are unable to validate the debt, or if you continue to pursue collection activities without validation, I will consider reporting your actions to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state Attorney Generals office. 

Please respond in writing within 30 days. 

Sincerely, 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 2025-06-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I signed into my credit file on annual credit and noticed a inaccuracy on 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 non-monetary relief
Consumer complaint received 2025-06-14 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: AZ

Complaint narrative:
I signed into my credit file on annual credit and noticed a inaccuracy on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: EQUIFAX, INC.
State: VA

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX Code XXXX, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within XXXX days. 
I am exercising this right and demanding strict compliance. Additionally, XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer. 
Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law. 

Per XXXX XXXX XXXX ( a ) ( XXXX ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately. 

YOU ARE HEREBY PUT ON NOTICE : You have XXXX  days from the receipt of this letter to complete a lawful investigation. 
If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted. 
Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I am also prepared to pursue civil litigation under XXXX XXXX XXXX and XXXX for any willful or negligent noncompliance with federal law, where XXXX of up to {$1000.00} per violation, plus punitive XXXX  attorney fees, and court costs XXXX be imposed. 

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
Bank of America close my account because of a fake check but I never cash anything for that amount

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 2025-06-14 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Kikoff Inc.
State: MD

Complaint narrative:
After checking my credit report on XXXX XXXX I seen that there was a account that I never opened with kickoff lending LLC I had disputed this with the credit bureau because I don't know who they are or what they were and I never received a letter or anything from anybody about the dispute seeing that they knocked my credit down XXXX points I called them and they told me that it was a credit repair company but I've never signed up for them I don't know who they are they couldn't give me information of when I signed up just at my account was closed this to me is fraudulent and needs to be taken serious and they need to take this off my credit report and fix my credit to where it was before they started reporting negative information on my report fraudulently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: FL

Complaint narrative:
I first noticed this account while reviewing my credit report on XX/XX/year>. I saw that XXXX XXXX XXXX was reporting Account No : XXXX with a balance of {$140.00}. I am not familiar with this organization, have never conducted business with them, and have no contractual obligation to pay them. When I contacted XXXX XXXX XXXX, they refused to provide any additional identifying information unless I provided my Social Security Number.

I am requesting that this fraudulent information be removed immediately from all credit reporting agencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, all credit reporting agencies are required to investigate disputes, which you have failed to do in this case.

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK

Complaint narrative:
Credit card company Bank of America is repeatedly holding payments. Sometimes for well over 30 days. They cash the check. The money is out of our accounts. Yet they put holds on our funds for extended periods. Repeatedly. Ive requested information. They indicate that someone will be in touch with me with 72 hours. No one ever calls. They just keep my money dont register a payment for weeks.

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 monetary relief
Consumer complaint received 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurat
e.

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 2025-06-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
American Express has denied me a credit card on multiple occasions. I called them today to request a reason be given in writing including all dates, credit reports email, and supporting documents for that reason. They would just say I had one credit card before and it was cancelled and would not give a date or a reason. I formally asked for all information to be mailed to me and they explained they did not have that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: CA

Complaint narrative:
Experian is reporting a fraudulent XXXX XXXX XXXX account that was previously removed, reinserted without notice, and verified without providing the legally required method of verification. I have provided all necessary documentation and requested numerous times for the method of verification, which they have failed to provide me. Their only response has been " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' This conclusory statement does not satisfy your obligations under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ).

01/04/2025 Account deleted after first dispute.

03/15/2025 Experian reinserted the account with no 5-day written notice ( FCRA 1681i ( a ) ( 5 ) ( B ) ( ii ) ). 
XX/XX/year> I sent a certified demand letter citing identity theft. 
XX/XX/year> Experian simply stated the furnisher certified accuracy, refusing to provide procedures or furnisher contact info ( FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) ).

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 2025-06-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
ate Payments XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Formal Dispute of Inaccurate Late Payment Reporting by Nstar/Mrcooper Account Number : XXXX Report Date ( XXXX ) : XXXX XXXX I am writing to formally dispute inaccurate information appearing on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and the Fair Credit Billing Act ( FCBA ), specifically 15 U.S.C. 1666b. 

The tradeline from XXXX XXXX, reporting on my credit file, shows late payment ( XXXX ) on the following date ( XXXX ) : [ Insert date ( XXXX ) of the reported late payments ] These reported late payments are inaccurate and in violation of 15 U.S.C. 1666b, which requires that a creditor not treat a credit card payment as late if it was received by XXXX XXXX on the due date, or later if the creditors cutoff time is I am asserting that I made my payment ( XXXX ) in accordance with this law, and therefore, the negative reporting is improper and must be removed. Please conduct a reinvestigation under the FCRA and correct or delete the inaccurate reporting by Nstar/Mrcooper Pursuant to the FCRA, you are required to complete your reinvestigation within 30 days. If you are unable to verify the accuracy of the late payments, the information must be removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-15 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: FL

Complaint narrative:
I am a victim of identity theft. Unauthorized individuals used my personal identifying information to open fraudulent credit accounts and/or make charges that I did not authorize, initiate, or benefit from. These accounts and related activity are harming my credit and financial well-being. The credit bureaus refuse to cooperate and remove the accounts so my score can update. I am filing a complaint towards this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. Unauthorized individuals used my personal identifying information to open fraudulent credit accounts and/or make charges that I did not authorize, initiate, or benefit from. These accounts and related activity are harming my credit and financial well-being. The credit bureaus refuse to cooperate and remove the accounts so my score can update. I am filing a complaint towards 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 2025-06-14 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: OH

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. 
XXXX ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all XXXX XXXX XXXX REMOVED from my credit report, except for XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year> my Chase account was compromised ( it had been happening over and over since XX/XX/year> ) and an unauthorized user was able to log into my account. They prompt redeemed XXXX reward points from one of my credit cards for a car rental. The only information I was able to retrieve on my own was that the car was a XXXX XXXX or similar, was to be dropped off at XXXX on XX/XX/XXXX, and that the driver went by the name XXXX XXXX. I only later learned that my permit was stolen and was being used to gain access to my account because around the same time, they were able to purchase a counter check and later withdrew {$3000.00} from my account. Ive called Chase multiple times in regards to the points redemption fraud and only just received a letter today on XX/XX/XXXX stating that I was responsible for the redemption.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-14 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: IL

Complaint narrative:
I have disputed 2 XXXX XXXX accounts that are over 7 years old. They have re-aged the account by showing missed payments in the past 2 years although this data is different with the 3 credit bureaus.

Company response to consumer: Closed with non-monetary relief