vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am filing this complaint because Experian is reporting multiple inaccurate, incomplete, and outdated accounts on my credit file. Some of these accounts have already been disputed, yet Experian continues to report them inaccurately after an inadequate verification process that provided no supporting documentation or legally sufficient proof. The accounts include re-aged payment histories, false statuses, and duplicate entries, all in violation of FCRA 604, 607 ( b ), 609 ( a ), and 623 ( a ) ( 1 ) ( A ). These violations are causing serious financial and emotional harm by suppressing my credit score and damaging my ability to obtain credit. I am demanding immediate deletion of these accounts. Correction is not acceptable. I have attached a full detailed letter with specific accounts and violations called out.

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 2025-06-19 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:
Experian Credit Services XXXX XXXX XXXX XXXX, TX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) 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 4 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 addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$570.00} XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXXXXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00}

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 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Good afternoon, I have a hard inquiry on my credit report ( XXXX  ), which doesn't apply, and I need it removed as soon as possible. Please. 

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 2025-06-19 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: MO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: SANTANDER HOLDINGS USA, INC.
State: NC

Complaint narrative:
Subject : Formal Complaint Inaccurate Repossession Reporting on Credit Report Dear CFPB Representative, I am writing to formally file a complaint regarding an inaccurate or unfair repossession account being reported on my credit report. I believe this reporting violates my rights under the Fair Credit Reporting Act ( FCRA ) and possibly the Fair Debt Collection Practices Act ( FDCPA ). 

The details of the account in question are as follows : XXXX Name : SANTANDER XXXX and XXXX XXXX Credit Bureaus Reporting the Account : XXXX XXXX XXXX  XXXX XXXX XXXX Complaint : The repossession is being inaccurately reported as involuntary, when in fact it was a voluntary surrender. 
I never received proper notification prior to the repossession, violating required consumer notice guidelines. 

The repossession listing is causing significant harm to my creditworthiness and does not reflect the full context of my financial situation. 

I have attempted to resolve this matter directly with the creditor and through the credit bureaus without success. I am requesting that the CFPB investigate this issue and require the creditor and/or credit reporting agencies to correct or remove the repossession entry if it can not be fully substantiated. 

I respectfully request that the CFPB review this matter and take appropriate action to ensure compliance with federal credit reporting laws. 

Thank you for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I built my home in XXXX. The original loan was for XXXX or close to that figure. I also had a XXXX equity loan. So total amount was around XXXX. My home should have already been paid off but amazingly as of right now I still owe XXXX. My loan has been sold by previous lenders that something had to happen somewhere possibly illegally for me to still have a XXXX balance that was a XXXX loan, My loan lender is currently XXXX XXXX. I have reached out to them and they can only trace back to what the loan was when they bought it. It was once owned by XXXX XXXX who is no longer in business and it seems to the best of my knowledge that is who increased my mortgage amount XXXX dont know. I should have caught this years ago but never paid attention to my balance because I knew I still owed. Things became worse in XXXX, when I lost my job. My mortgage at the time was owned by Bank of America. I got 6 months behind but was enrolled in the government sponsored XXXX XXXX XXXX XXXX. They assured me that my home would not go into foreclosure and my loan would be modified. I sent them everything they needed over and over and over and over again. I received a letter from my mortgage lender telling me that my home would be sold in a short sale in a couple days. I immediately contacted Bank of America, who had assured me this would not happen and I was covered by them. There response was sorry there is nothing we can do. This was after months of telling me I would be fine. I was devastated to the point that I went on the internet and was able to locate the email addresses of the CEO for Bank of America and his executive staff. I asked for immediate help and amazingly they responded and within an hour modified my loan to save my home. I had no choice to accept it or face losing my home. They knew that and they increased my mortgage loan by a large margin. To start out with a loan amount of XXXX 27 years ago and still owe XXXX as to date is mind boggling and I need some help trying to determine has this has happened. My original loan was for 30 years and my home should have been paid off by XXXX but thats not going to be the case. I can not get any assistance from a lender trying to figure out how this happened. All roads lead to a dead end with XXXX XXXX, who went out of business but not before basically taking XXXX  from home owners. Can someone help me or point me in the right direction.

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 2025-06-19 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: NV

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit report all of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
Formal Request to Remove Inaccurate Late Payment Reporting - Failure to Provide Notice Dear Transunion Dispute Department, Im writing to formally dispute late payment ( s ) being reported on my credit file for the account below. The late marks are inaccurate and should not be on my report because the creditor failed to provide proper notice of the payment due or any missed payment - a failure that denied me the opportunity to correct or prevent the issue.

Account Details : XXXX. XXXX Account Number : XXXX Why This Is Being Disputed : I was not provided with any notification of upcoming payment due dates, nor was I notified when the account allegedly became late. The absence of such communication resulted in a late mark being reported without giving me a fair chance to resolve or prevent it. This lack of notice violates fundamental principles under the Fair Credit Reporting Act ( FCRA ), including : FCRA 1681e ( b ) - You are required to ensure all information reported is accurate and complete to the maximum extent possible. Late marks entered without proper notification from the furnisher do not meet this standard.

FCRA 1681s-2 ( a ) ( 1 ) ( A ) - Furnishers of information have a legal obligation to report information fairly, accurately, and responsibly. Failing to notify me of an impending delinquency or missed payment, and then reporting it anyway, violates this duty.

FCRA 1681i ( a )- I have the right to dispute any information I believe is incorrect, and if it can not be verified, it must be promptly deleted.

What Im Requesting : I respectfully request that you initiate a reinvestigation of this late payment and contact the furnisher. If the creditor can not prove that they sent proper notice before reporting the delinquency - including payment reminders or default warnings- the late mark is incomplete and inaccurate, and must be permanently removed under the law.

Please provide written confirmation that the dispute was investigated and state whether the item was corrected or deleted. I expect a resolution within the 30-day window outlined in FCRA 1681i ( a ) ( 1 ) ( A ).

Thank you for your attention and time in helping to ensure that my credit report reflects only fair, verified, and accurate information. 
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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-19 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
To Whom It May Concern, I am writing regarding an alleged debt for which you claim ownership and are attempting to collect. I dispute the validity of this debt and request a complete validation under the Fair Debt Collection Practices Act ( FDCPA ).

Specifically, I request : Proof that you have the legal right to collect this debt, including a full and unbroken chain of assignment from the original creditor.

An itemized statement of the alleged amount owed, including all interest, fees, and charges.

A copy of the original signed agreement or contract.

Until this information is provided, I do not acknowledge any responsibility for the debt and request that you cease all collection activity, including credit reporting. If this debt is being reported, it must be marked as " disputed '' in accordance with the Fair Credit Reporting Act ( FCRA ). 

Please send your response in writing within 30 days. I also request that no further phone calls be made to me regarding this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: SC

Complaint narrative:
FCRA 605B ( 15 U.S.C 1681c-2 ) I am a victim of identity theft and all information on this CFPB and FTC report needs to be removed immediately due to it being a direct result of identity theft. The accounts listed on both reports are not mine. There are duplicate accounts from these reports and its identity theft. Remove these accounts and inquiries associated with this account from my Experian, Equifax, and Transunion account. The following derogatory tradelines are identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: Grow Credit Inc
State: PA

Complaint narrative:
I disputed the account due to inaccurate reporting to be removed the company agreed for deletion of account from report and never removed it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: LA

Complaint narrative:
My name is XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional.

This situation has caused delays and unnecessary XXXX. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: National Credit Systems,Inc.
State: CA

Complaint narrative:
I am disputing inaccurate and inconsistent reporting by the credit bureaus regarding a collection account from National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX and a closed mortgage from XXXX XXXX. The collection account shows conflicting balances across bureaus and lacks proper validation. The XXXX XXXXXXXX XXXX  account shows 30-day late payments from XX/XX/XXXX and XX/XX/XXXX, despite being paid and closed after financial hardship during COVID-19. These entries are unfair, potentially harmful, and violate FCRA and Metro 2 accuracy requirements. I request immediate investigation and correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/XXXX, I noticed numerous unauthorized transactions from XXXX totaling {$2100.00}, XXXX totaling {$600.00}, and XXXX totaling {$1200.00}. 

I immediately reached out to Chase to file a fraud claim, and today on XX/XX/XXXX, I checked for a status update, and they denied my claims for XXXX and XXXX. I called the Chase claims department and was told that my claims were denied because they don't have recovery rights for XXXX because it is a third party that took the money from my bank account and they said I had transactions from XXXX from XXXX. I informed the representative that those previous transactions were all deposits from XXXX into my bank account. XXXX hasn't taken money from my bank account and those previous deposits were over XXXX XXXX XXXX Chase told me they're refusing to deal with the matter. 

Regarding XXXX and XXXX, I was told that there is a possibility that somebody else could've used my card, and they're refusing to investigate. My entire time banking with Chase, I have never used my card once at XXXX, so I don't understand why they're refusing to investigate and help me recover my funds. Lastly, the XXXX transaction is still pending.

Company response to consumer: Closed with explanation