vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency.

FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
I am disputing the following items on my Experian credit report. These accounts, inquiries, and late payments have been incorrectly reported, and I request that they be corrected accordingly. 

Disputing Account ( XXXX ) : Account Name : XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$16000.00} Inquiries : I do not have any unauthorized inquiries listed, so no inquiries need to be disputed.

Late Payment ( s ) : I am disputing the following late payment on my Experian credit report : Account Name : XXXX XXXX Account Number : 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 2025-11-04 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: IN

Complaint narrative:
On XX/XX/XXXX, my Chase debit card was used at an ATM, with an unknown person withdrawing {$2000.00} from the ATM at my local Chase branch. I had requested and been sent a new card with apparently the same number and pin, which must have been accessed by someone who stole my mail. I filed a fraud report with Chase, who denied my claim. I have reported it to the police and XXXX as well as Chase. I did not withdraw this money, something that would be clear if they had looked at their ATM cameras.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 filing a dispute regarding inaccurate and incomplete information being reported on my Experian credit report. I am simply a consumer trying to fix my credit and ensure that the data being reported about me is 100 % accurate and verifiable. 

There are several charged-off accounts, late payment entries, and inquiries that I believe are being reported incorrectly, not updated, or do not reflect complete or accurate information. I am requesting a full reinvestigation and correction. 

CHARGED-OFF ACCOUNTS IN DISPUTE ( EX ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I reviewed my Experian credit report and found multiple inquiries that I did not authorize, including from Experian Business, and XXXX XXXX. These inquiries were made without my permission and do not correspond to any credit application I made. 

I am requesting an investigation into these inquiries to confirm whether they were legitimate. If they were not authorized by me, I request that Experian delete them from my credit report and confirm this action in writing

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PRIMARY RESIDENTIAL MORTGAGE
State: CT

Complaint narrative:
I am submitting a complaint regarding inaccurate mortgage credit reporting by Primary Residential Mortgage ( PRMI ). I entered an approved HUD Partial Claim / loss-mitigation plan with PRMI in XX/XX/year>. My XX/XX/year> payment was made on time and in full prior to the plan. PRMI confirmed in writing that my XXXX, XXXX, and XXXX payments were included in the approved loss-mitigation program and that my next full payment would not be due until XX/XX/year>. 

As required by PRMI, I made two {$10.00} forbearance program paymentsone in XXXX and XXXX in XXXX part of the agreement, demonstrating compliance with all terms. I remained current and met every requirement of the program. 

Despite this, PRMI reported my loan as XXXX days late during the covered months and even reported late status before the end of each month. ( XXXX, XX/XX/year> credit reporting showed I was 30 days late on XX/XX/XXXX, which is mathematically impossible ). This just shows their careless nature with the well-being of others. 

After I disputed the reporting, additional derogatory marks were added. PRMI is also reporting my XXXX payment as late, despite proof it was paid and cleared on time. 

These actions resulted in significant credit harm including loss of more than XXXX points, credit-line reductions and loss of available credit from other lenders. This reporting is inaccurate under FCRA furnishing standards, as I was not delinquent under the terms of the approved agreement and PRMI acknowledged the covered months in writing. 

Additionally, PRMI locked my online account for the entire duration of the forbearance/workout period, preventing me from viewing my loan or making payments. I emailed PRMI multiple times requesting access and received no response. My account was only unlocked after the HUD partial claim finalized, at which point I immediately made the XXXX payment. I acted in good faith at all times ; PRMI prevented access to the payment portal. 

I am requesting that PRMI remove all inaccurate derogatory marks and update my mortgage history to show current during the loss-mitigation period, and correct the XXXX reporting to reflect the timely payment. Supporting documentation for all aspect 's is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
This debt is not mine, creditor is illegally reporting in my name without my authorization and constantly illegally reinserting item once it is removed : XXXX XXXX Acct no. XXXX I have fully investigated my rights in this matter & I HAVE NEVER SUPPLIED PROOF UNDER THE DOCTRINE OF ESTOPPEL BY SILENCE, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I XXXX PRESUME THAT NO PROOF OF THE ALLEGED DEBT, NOR THEREFORE ANY SUCH DEBT, IN FACT EXISTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: TN

Complaint narrative:
In XXXX someone got a hold of my XXXX money and made a bunch of charges I'm XXXX XXXX XXXX with stage XXXX XXXX XXXX and I was doing my XXXX and XXXX that day and I was really deathly sick I called NetSpend and I had told them that someone made a bunch of charges and they took half of my XXXX check so they gave me a provisional credit and this month right here in XXXX they took half of my XXXX check said that there were no findings but there were findings on XXXX of the charges but not the rest that don't make no sense to me and then I had asked for documents on who they talk to when they talk to him what time they talk to him of all these companies that merchandise was purchase at that they will not give me any proof of their findings and they will not let me appeal I have asked to appeal XXXX times and they took XXXX of my {$900.00} on my XXXX and my XXXX money is supposed to be protected they took a total of {$470.00} and now I have no way to buy my medicine no way to survive this month because everything is so expensive but they refuse absolutely refuse to give me documentation of their findings

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My credit report contains late payment entries that I believe are incorrect. In accordance with 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, my report must include only information that is accurate, complete, and verifiable. I am requesting that these late payment records be investigated, and if they can not be fully verified, that they be updated or deleted from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: RI

Complaint narrative:
Dear Experian, I am writing to formally dispute several items on my credit report that I believe are inaccurate. According to the credit report I received, the following negative items are either incorrect or outdated : 1. Late Payment ( XX/XX/year> ) : I do not believe that this late payment is accurate, as I made all payments on time. Please provide evidence of this reported late payment, or remove it from my report if it can not be substantiated. 
2. Closed Accounts Due to Inactivity : There are several accounts marked as closed due to inactivity. I would like to understand the rationale behind the account closures and request verification of these account statuses. If they were closed in error or due to inactivity, please ensure that this is reflected correctly.

3. Dispute Status on Accounts : There are accounts with a dispute status listed. I request that you verify the status and update the report accordingly, as I have not initiated any formal disputes recently.

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 2025-11-04 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

Disputed Accounts : DOE XXXX - XX/XX/XXXX - {$3900.00} DOE XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX - XX/XX/XXXX - {$0.00} DOE XXXX - XX/XX/XXXX - {$5000.00} DOE XXXX - XX/XX/XXXX - {$7000.00} DOE XXXX - XX/XX/XXXX - {$7400.00} DOE XXXX - XX/XX/XXXX - {$1300.00} XXXX  - XX/XX/XXXX - {$0.00XXXX XXXX XXXX XX/XX/XXXX - {$1100.00}

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 2025-11-04 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: NJ

Complaint narrative:
On XX/XX/year>, I reviewed my Experian credit report and found multiple inaccurate and unverifiable accounts that remain after previous disputes. 
These include : 1. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} Status : Charged off / Settled less than full balance Issue : Account shows contradictory information paid in full for less than full balance and unpaid balance reported as loss. Requires verification. 

2. XXXX XXXX  Account # XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX  Balance : {$2100.00} Status : Collection/Chargeoff Issue : Listed as resolved by subscriber but no verification or documentation has been provided. 

3. XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX  Balance : {$260.00} Status : Closed / Collection/Chargeoff Issue : Account appears both closed and in collection, inconsistent and unverifiable. 

4. XXXX XXXX  Account # XXXX Original Creditor : XXXX XXXX XXXX XXXX 
Balance : {$180.00} Status : Closed / Collection/Chargeoff Issue : Account lacks supporting verification documentation and was never validated by the collector. 

Experian has failed to provide proper verification or correction of these disputed items, violating FCRA 611.

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 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
b'Basis: Deficient or non-substantive response to your Method of Verification (MOV) and potential FCRA  611(a)(7) violation.\n\nSummary of Violations:\n\nMOV letter sent XXXX (Tracking XXXX  missing mail; XXXX  case #XXXX  and XXXX XXXX XXXX XXXX filedXXXXYou sent a second MOV letter (Tracking XXXX) delivered XXXX/XXXX  to XXXX, PAXXXXTransUnion responded via postcard dated XXXX which merely said we verified your information directly with the source.\n This is not a valid MOV because it does not name the furnishers contact information, method, or documents reviewed.'

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Formal dispute & deletion Request. 
I am again disputing the accuracy and compliance I HAVE FOUND a few violations of METRO2 reporting guidelines and FCRA 623 ( a ) 1 ( A ). The payment History Profile ( File18 ) doesn't reflect the delinquency timeline due to missing information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: OH

Complaint narrative:
Formal dispute & deletion Request. 
I am again disputing the accuracy and compliance I HAVE FOUND a few violations of METRO2 reporting guidelines and FCRA 623 ( a ) 1 ( A ). The payment History Profile ( File18 ) doesn't reflect the delinquency timeline due to missing information.

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 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: DISCOVER BANK
State: CO

Complaint narrative:
I am filing this complaint regarding my closed Discover account that is being reported with late payments and a charge-off status. 

This account was closed and settled, yet Discover continues to report it with multiple late payments and a charge-off balance that I do not owe. I have contacted Discover to resolve the issue and to request verification of the information being reported, but I have not received proper documentation to support the accuracy of these entries. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and verifiable information. Reporting late payments and a charge-off on an account that is closed and has a {$0.00} balance is inaccurate and misleading. This continued reporting is negatively impacting my creditworthiness and does not reflect the true standing of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
Since I have so much equity in my home, I was able to closed out my escrow holdback account and I will self-pay insurance and taxes. When I received my refund check, it seemed short. I asked for an activity statement and that's when I noticed that approximately 2 months after closing, on XX/XX/year>, according the the statement they provided, the mortgage co made a " homeowners insurance disbursement '' in the amount of {$1200.00}. I pre-paid for my yearly insurance policy up front as evidenced by the notation on my settlement statement. I also pre-apid 3 months of tax/insurance escrow as noted on my settlement statement and also notated on the " customer activity statement '' my mortgage co sent me. When I called to question the {$1200.00} disbursement, I was told that they couldn't help me because the loan had been sold and they didn't have access to these payments. It was only after I had to get snippy and tell them I knew that was not true and insist they look into this that they " escalated '' it to a manager. The manager also tried to skirt responsibility and I again had to insist someone look into this. After nearly an hour on the phone, I was finally told that my insurance co asked them to send {$1200.00} in error and they never refunded the $ $ back and that I would have to contact my homeowners insurance company to get the $ $ back. The consistently tried to say it wasn ; t their problem because they weren't the lender who made the payment. The loan was sold, as it often is and although they will gladly accept my payments that a prior originating lender, they apparently won't help to correct any errors. So because they did not look into what the {$1100.00} request was just spent my $ , I'm the one out the $ $ and now I have to fight to get it back. Not fair.

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