vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

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 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Someone applied for a chase credit card in my name. I recently had my identity stolen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: DC

Complaint narrative:
Dear Sir/Madam : I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the Equifax Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Equifax credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft 1. Identity Theft 1. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 2. 
XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3. 
XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Upstart Holdings, Inc.
State: WA

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows : Creditor Name : Upstart Network Inc/F Account Number : XXXX Date of Charge-Off : XX/XX/year> It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 
The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score.

Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper.

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with a confirmation of these corrections. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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 HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I, XXXX XXXX XXXX ( DOB : XX/XX/year>, SSN ending in XXXX ), am filing a formal complaint regarding XXXX 's illegal and inaccurate reporting of a XXXX XXXX account on behalf of the XXXX Department of Education. The account in questionXXXX  Account # XXXX with a reported balance of $ XXXXcannot be legally verified, as the originating creditor no longer exists in its original form. This violates the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ( a ) ), which requires accurate reporting and mandates the removal of unverifiable accounts. I do not acknowledge any legal obligation to this debt, which was extended without full disclosure and in violation of Regulation Z of TILA and the Higher Education Act. Additionally, continued reporting without proof of lawful obligation, consumer consent, or a wet-ink signature breaches the FDCPA and Gramm-Leach-bliley Act. I am demanding immediate removal of this account from my credit report. Failure to act will escalate further to federal authorities and legal action. 

XXXX Account # XXXX with a reported balance of {$72000.00}

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 non-monetary relief
Consumer complaint received 2025-05-13 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: TX

Complaint narrative:
I, XXXX XXXX XXXX ( DOB : XX/XX/year>, SSN ending in XXXX ), am filing a formal complaint regarding XXXX 's illegal and inaccurate reporting of a XXXX XXXX account on behalf of the XXXX Department of Education. The account in questionXXXXt Account # XXXX with a reported balance of $ XXXXcannot be legally verified, as the originating creditor no longer exists in its original form. This violates the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ( a ) ), which requires accurate reporting and mandates the removal of unverifiable accounts. I do not acknowledge any legal obligation to this debt, which was extended without full disclosure and in violation of Regulation Z of TILA and the Higher Education Act. Additionally, continued reporting without proof of lawful obligation, consumer consent, or a wet-ink signature breaches the FDCPA and Gramm-Leach-bliley Act. I am demanding immediate removal of this account from my credit report. Failure to act will escalate further to federal authorities and legal action. 

XXXX Account # XXXX with a reported balance of {$72000.00}

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 2025-05-13 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, XXXX XXXX XXXX ( DOB : XXXX, SSN ending in XXXX ), am filing a formal complaint regarding XXXX 's illegal and inaccurate reporting of a XXXX XXXX account on behalf of the XXXX Department of Education. The account in questionXXXX  Account # XXXX with a reported balance of $ XXXXcannot be legally verified, as the originating creditor no longer exists in its original form. This violates the Fair Credit Reporting Act ( FCRA 1681e ( b ) and 1681i ( a ) ), which requires accurate reporting and mandates the removal of unverifiable accounts. I do not acknowledge any legal obligation to this debt, which was extended without full disclosure and in violation of Regulation Z of TILA and the Higher Education Act. Additionally, continued reporting without proof of lawful obligation, consumer consent, or a wet-ink signature breaches the FDCPA and Gramm-Leach-bliley Act. I am demanding immediate removal of this account from my credit report. Failure to act will escalate further to federal authorities and legal action. 

XXXX Account # XXXX with a reported balance of {$72000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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:
Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always made timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported to the utmost accuracy. I have never missed a payment ( s ) on the following account XXXX XXXX, XXXX * *. I request a thorough investigation into these discrepancies and urge you to provide evidence, such statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as current/on-time, as I have consistently upheld my payment obligations without delay.

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 2025-05-13 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: PA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-05-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Recently Ilocked at a copy of my credit report and noticed several inaccuracies in my account. This account is husting my ability to obtain credit. It is my Understanding that you will investigate these items for me to ensure accuracy. 

here in the item I am asking you to verify as accurate : XXXX : Bank Of America. XXXX XXXX  : Bank Of America.

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 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I never gave this company permission to open or report any accounts in my name. I have no relationship with them, I didnt authorize anything, and Ive never conducted any business with them. These accounts were added without my knowledge or consent, and thats a serious problem.

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 2025-05-13 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: FL

Complaint narrative:
My account with TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Update the late payments from my consumer reports

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 2025-05-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
On XX/XX/year>, I executed a Modification Trial Period Plan with PHH Mortgage Services. The first payment under this agreement was due on XX/XX/year>. The agreement explicitly states, " We must receive each payment in the month in which it is due, '' and also states, " If we do not receive the payment by the last day of the month in which it is due, the offer may be revoked. '' In adherence to this term, I initiated a wire transfer of {$3800.00} for the XXXX payment on XX/XX/year>, ensuring the payment was sent within the month it was due. However, on XX/XX/year>, this payment was unexpectedly returned to my bank account. 

On XX/XX/year>, I contacted PHH Mortgage Services to inquire about the returned payment. The representative I spoke with questioned my desire to keep my home, a statement I found alarming and irrelevant to my inquiry about the returned funds. When I asked why my payment was returned, the representative stated it was because the payment was not received on XX/XX/year>. 

I informed the representative that I had not breached the terms of the agreement, as my payment was sent and received via wire transfer on XX/XX/year>, which falls within the month it was due. Upon my citing the specific language in the agreement ( " We must receive each payment in the month in which it is due '' ), the representative became noticeably quiet and then, with apparent exasperation, instructed me to email proof of the wire transfer. 

I promptly emailed documentation confirming the wire transfer date of XX/XX/year>, to the email address provided on XX/XX/year>. As of the date of this complaint, I have not received any acknowledgment or response from PHH Mortgage Services regarding my email or the returned payment. 

The return of my timely payment and the subsequent lack of communication are unacceptable and cause me significant concern regarding PHH Mortgage Services ' adherence to the agreed-upon Modification Trial Period Plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: DC

Complaint narrative:
I am writing you because my social security number was used fraudulently to open accounts. I believe I am a victim of identity theft due to the XXXX Data breach. My social security number was found to be comprised. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The accounts listed below, which appears on my Experian credit report, does not relate to any transactions that I have ever made or accounts I have opened. It is the result of identity theft XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-13 00:00:00
Product: Student loan — Private student loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have had an open account with XXXX XXXX transferred to XXXX transferred to Nelnet for since XXXX Account XXXX for {$5500.00} XX/XX/XXXX Account XXXX for {$5500.00} Nelnet XX/XX/XXXX Account XXXX {$7400.00} Nelnet XX/XX/XXXX Account XXXX {$12000.00} I am claiming that due to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681c This section outlines time limits for reporting negative information on consumer credit reports.

Key Time Limit Rules : Defaulted student loans ( federal or private ) : Can be reported for up to 7 years from the date of default.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX XXXX : SS # : XXXX | XXXX : Date of Birth : XX/XX/XXXX Experian Experian P.O. XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Final Demand Before Legal Action To Whom It May Concern, As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: CA

Complaint narrative:
US BANK, LOSS DRAFT Department, has lied multiple times about payout process and documents they need and when and how things where to be handled. 

I sent them this letter on XX/XX/year> and still haven't gotten a response XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX Date : XXXX U.S. Bank XXXX XXXX Department XXXX XXXX XXXX XXXX, AZ XXXX XXXX : Formal Complaint and Request for Compensation Regarding Mishandling of Checks, Prepaid Envelopes, and Customer Service Failures To Whom It May Concern, I am writing to formally express serious concerns and frustration regarding XXXX Banks mishandling of XXXX recent transaction involving mailed checks and prepaid return envelopes. In addition to logistical errors, I have been subjected to repeated miscommunication and unacceptable delays in receiving accurate information and follow-up. 
Specifically, the issues include : Incorrect or delayed handling of checks. 
Mistaken or misdirected prepaid return envelopes and labels. 
Inconsistent and misleading statements from customer service representatives about callback timelines and next steps. 
Prolonged delays that have significantly disrupted a time-sensitive process. 
As a direct result of these failures, necessary work on my home was delayed. This forced me to incur unexpected living expenses, including temporary lodging, additional food costs, and the cost of keeping pets housed separately. These are not minor inconveniences they are direct financial consequences caused by U.S. Banks errors and lack of accountability.

In light of the above, I am requesting the following : 1. A complete explanation of what went wrong and who is responsible for these delays and errors.

2. A reliable timeline for resolving the remaining issues.

3. Reasonable compensation to offset the financial burden Ive endured due to these delays including boarding, food, and other temporary living expenses.

I expect a formal response and resolution within 7 business days from the date of this letter.

Should this matter remain unresolved or inadequately addressed, I will not hesitate to escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate oversight organizations.

I hope U.S. Bank will take this opportunity to resolve this situation properly and restore some trust in your customer service process. 
Sincerely, XXXX XXXX Tracking/reference number- XXXX they have been terrible with communication and telling the truth

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