vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-31 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: GA

Complaint narrative:
On XX/XX/XXXX, XXXX at XXXX XXXX XXXX reported my dentist bill, which is considered a medical bill onto all of my credit reports. On XX/XX/XXXX, I mailed a certified letter to XXXX at XXXX XXXX XXXX XXXX XXXX requesting copies of the following documents : Proof of my signature agreeing to the disclosure of my medical information for credit reporting purposes A copy of the purchase agreement associated with the alleged debt This certified letter was received on Wednesday, XX/XX/XXXX, at XXXXXXXX XXXX However, to date, XXXX XXXX has failed to respond to my request, which is a violation of my rights. I also contacted all three credit bureaus trying to remove this medical bill from my credit report, but they've failed to provide me these documents explaining to me how they've provided a thorough investigation when I never received any of the requested documents. Additionally, the negative and erroneous reporting of this account is severely impacting my financial standing. I am in the process of leasing a car, and due to this unauthorized debt appearing on my credit report, I have been unable to secure financing. This inaccurate reporting is causing undue hardship and must be rectified immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: AZ

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that I have fraudulent accounts on my report. Please remove these accounts from my credit report, as they are hindering my ability to obtain credit.

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 2025-03-31 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: NY

Complaint narrative:
i just got my credit report on XXXX XXXX notice some accounts on my credit report are incomplete an inaccurate which is a violation of 15 USC 1681e ( b ).

They also violated 15 USC 1681s-2 ( a ) &

( b ). 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ) Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure a maximum possible accuracy of the information concerning the individual about whom the report relates.

They must be blind because everything is inconsistant.

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 2025-03-31 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-03-31 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: MS

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: IN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I got my student loans forgiven at the end of 2023 and it still is showing 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 explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ResidentCollect, Inc.
State: GA

Complaint narrative:
I live at XXXX XXXX from XXXX and paid every month of rent for my lease. I moved out of the complex and turned in my key to my unit, which the leasing office physical took and I was no longer in possession of nor had any copies of any keys, on XX/XX/2024 which was 2 days before my lease ended. After my lease ended and I moved out, there is a balance put to my credit report showing I owe another month of rent when I did not extend my lease, I did not have keys to the property, my leasing account was terminated, and no belongings of mine were on the premise. Therefore, I found out when applying to a new housing unit recently, I had my application rejected because there is a balance due for a month of rent to a complex I no longer lived at, that I didnt not agree to nor sign up for another month of the lease, and I did not have an access to my online account nor the property. I dont believe I should have this balance on my account as I didnt not agree to lease another month, I turned in the only key to the premise over to the leasing agent before the end of my lease, and I no longer had anything personal property at the complex. I attached my Welcome Letter which shows the agreement of the leasing term XXXX ( which rent for all months were paid for ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/year>, I was scheduled to travel to XXXX XXXX XXXX in XXXX for a pre-paid hotel stay from XXXX XXXX  2024. However, due to an extreme snowstorm and road closures, it became physically impossible to reach the hotel. The hotel itself admitted in writing that due to severe weather conditions, it was virtually impossible to resell the room. 

Despite this, the hotel kept my full payment of CHF XXXX, even though Swiss contract law explicitly voids contracts where performance is impossible ( Article XXXX CO ) and prohibits unjust enrichment ( Article XXXX CO ) when no service is provided. 

I immediately disputed this charge with American Express on the grounds that : The hotel could not provide the service, making the contract unenforceable under Swiss law. 

The hotel suffered no financial loss since they could not have resold the room. 

Keeping my full payment constitutes unjust enrichment. 

American Express denied my dispute and refused to acknowledge Swiss contract law or consider my legal argument. I requested : A supervisor review, which was denied. 

A written legal explanation for why Amex was upholding an invalid charge, which was ignored. 

Arbitration, as per Amexs cardholder agreement, which they refused. 

Amex repeatedly stated that they only follow the merchants policy, even though the policy is legally unenforceable under Swiss contract law. They then closed my dispute, stating they had no recourse and told me to take the issue up outside of Amex. 

American Express is failing to conduct a fair chargeback review, is enforcing an illegal charge, and is denying arbitration, violating fair dispute resolution practices. I am requesting that the CFPB investigate this improper chargeback handling and compel Amex to refund the CHF XXXX charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-03-31 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: CA

Complaint narrative:
I have not supplied proof under the XXXX  of XXXX  by XXXX, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On or around XX/XX/XXXX I opened a checking and savings account with Citi as they were offering a new account opening bonus of {$320.00}. The URL to that page is here : XXXX : XXXX? XXXX & XXXX & XXXX I have also taken a screenshot of this page and the terms if necessary. 

I attempted to call an agent on XX/XX/XXXX and explained that I met the requirements. The agent put me on multiple holds to " verify with a personal banker '' to see if I was eligible for the promotion. When the agent returned, she said that the " promotional code '' was not applied for the promotion. What promotional code? The terms say specifically on the website which steps should be followed to obtain this bonus. 

This is my first account with Citi, for what it's worth.

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 2025-03-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have sent in my FTC report which is notarized and the accounts listed below and listed on my affidavit does not belong to me with proof. The company has not done any investigations and sent me any proof of the accounts belongs to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: CrossCountry Mortgage LLC
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally express my concerns regarding the terms of my XXXX  loan and the down payment requirement imposed upon me during my home purchase. Over a year ago, I purchased my property with the understanding that I was obtaining an XXXX  loan, which, per XXXX  guidelines, requires a minimum down payment of only 3.5 % of the purchase price.

However, contrary to these guidelines, I was required by your company to provide a significantly higher down payment than the mandated 3.5 %. This unexpected financial burden placed undue strain on my resources and was not in line with the terms typically associated with an XXXX loan. I believe this requirement was excessive and unjustified, and I would like a detailed explanation as to why I was required to put down more than what is standard for XXXX  loans. 

I kindly request the following : A detailed breakdown of why I was required to pay more than 3.5 %. 

Any documentation that justified this increased down payment. 

A review of my loan terms to determine if an error was made. 


Additionally, if no sufficient explanation is provided, I would like to formally escalate this matter and file a complaint with the appropriate regulatory authorities. 

I would appreciate a prompt response to this matter, as I am seeking clarity and resolution. Please provide your response in writing at your earliest convenience. I can be reached at the contact information provided above should you require any additional details. 

Thank you for your time and attention to this matter. I look forward to your prompt response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-31 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: CO

Complaint narrative:
Please take immediate action to block and remove the unauthorized accounts from my credit report. I did not initiate these accounts, nor am I aware of their origins. Under USC 1681g, I formally request their removal within XXXX days. Enclosed are relevant documents for your reference. Additionally, there are inconsistencies in account details being reported across different credit bureaus.

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 2025-03-31 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding discrepancies in my credit report concerning late payments and an account that has been marked as closed. After reviewing my credit reports from the three major credit reporting agenciesExperian, Equifax, and TransUnionI have noticed several inconsistencies and inaccuracies related to the reporting of late payments. I respectfully request that these discrepancies be addressed promptly in accordance with applicable federal laws, particularly 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1666a ( 2 ) ( A ), and that any inaccurate late payment entries be removed from my credit file. 

Experian Credit Report Discrepancies : XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX 150 days late XX/XX/XXXX 30 days late Account closed in XX/XX/XXXX Equifax Credit Report Discrepancies : XX/XX/XXXX No late payment ( Paid on time ) XX/XX/XXXX No late payment ( Paid on time ) XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX 120 days late XX/XX/XXXX 30 days late TransUnion Credit Report Discrepancies : XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX 120 days late XX/XX/XXXX 30 days late Explanation of Discrepancies : Equifax : According to my records, I made timely payments in XXXX and XXXX of XXXX, which are inaccurately marked as late. In fact, I paid on time for both months, and I request that these late payment entries be corrected to reflect on-time payments. 

Experian : My account was marked as closed in XX/XX/XXXX, yet late payments continue to be reported on my account after this closure date. This presents an issue, as accounts should no longer have late payments reported after closure, and I believe this to be a significant error that requires correction. 

All Bureaus : There are instances where late payments were reported, despite no payment delinquency occurring, and where accurate payments have not been reflected properly. These inaccuracies are causing damage to my credit and need to be addressed immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am writing to formally file a complaint regarding discrepancies in my credit report concerning late payments and an account that has been marked as closed. After reviewing my credit reports from the three major credit reporting agenciesExperian, Equifax, and TransUnionI have noticed several inconsistencies and inaccuracies related to the reporting of late payments. I respectfully request that these discrepancies be addressed promptly in accordance with applicable federal laws, particularly 15 U.S. Code 1666b ( a ) and 15 U.S. Code 1666a ( 2 ) ( A ), and that any inaccurate late payment entries be removed from my credit file. 

Experian Credit Report Discrepancies : XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX 150 days late XX/XX/XXXX 30 days late Account closed in XX/XX/XXXX Equifax Credit Report Discrepancies : XX/XX/XXXX No late payment ( Paid on time ) XX/XX/XXXX No late payment ( Paid on time ) XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX 120 days late XX/XX/XXXX 30 days late TransUnion Credit Report Discrepancies : XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 30 days late XX/XX/XXXX 60 days late XX/XX/XXXX 90 days late XX/XX/XXXX 120 days late XX/XX/XXXX 120 days late XX/XX/XXXX 30 days late Explanation of Discrepancies : Equifax : According to my records, I made timely payments in XXXX and XXXX of XXXX, which are inaccurately marked as late. In fact, I paid on time for both months, and I request that these late payment entries be corrected to reflect on-time payments. 

Experian : My account was marked as closed in XX/XX/XXXX, yet late payments continue to be reported on my account after this closure date. This presents an issue, as accounts should no longer have late payments reported after closure, and I believe this to be a significant error that requires correction. 

All Bureaus : There are instances where late payments were reported, despite no payment delinquency occurring, and where accurate payments have not been reflected properly. These inaccuracies are causing damage to my credit and need to be addressed immediately.

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 2025-03-31 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: NC

Complaint narrative:
I am writing to file a complaint regarding late payments reported to my credit report. The late payments were reported for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments were reported as 30 days late on an account that is now closed. I believe that these payments should be removed based on the following federal laws : 15 U.S.C. 1666b ( a ) : This provision of the Truth in Lending Act ( TILA ) provides protections when accounts are closed by either the consumer or the creditor, especially in terms of how late payments should be handled and reported.

15 U.S.C. 1666 ( a ) ( 2 ) ( A ) : This section provides guidance on credit reporting and specifies how certain circumstances, such as closed accounts, should be reflected in your credit report. 

The account was closed, and I believe these late payments should not be reported for the following reasons : The account was closed before the late payments were reported, and I was not provided with adequate notice or explanation of how the closure would affect the reporting of these payments. 

I did not receive the proper notice of delinquency or any subsequent explanation of how the late payments would impact my credit record. 

Given these facts, I request that these late payments be removed from my credit report in accordance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-31 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: NC

Complaint narrative:
I am writing to file a complaint regarding late payments reported to my credit report. The late payments were reported for the following months : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX These late payments were reported as 30 days late on an account that is now closed. I believe that these payments should be removed based on the following federal laws : 15 U.S.C. 1666b ( a ) : This provision of the Truth in Lending Act ( TILA ) provides protections when accounts are closed by either the consumer or the creditor, especially in terms of how late payments should be handled and reported.

15 U.S.C. 1666 ( a ) ( 2 ) ( A ) : This section provides guidance on credit reporting and specifies how certain circumstances, such as closed accounts, should be reflected in your credit report. 

The account was closed, and I believe these late payments should not be reported for the following reasons : The account was closed before the late payments were reported, and I was not provided with adequate notice or explanation of how the closure would affect the reporting of these payments. 

I did not receive the proper notice of delinquency or any subsequent explanation of how the late payments would impact my credit record. 

Given these facts, I request that these late payments be removed from my credit report in accordance with 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 explanation