vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: NJ

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-04-17 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: MO

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 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 2025-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: NY

Complaint narrative:
Flagstar Bank, who had my Mortgage for a long time, Did not pay my Escrow on lleaving me with a shortage wich resulted in a higher mortgage payment from company they sold my loan to, which is Mr.Cooper loans.

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 2025-04-17 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: OH

Complaint narrative:
My personal information has been involved in the data breach, after checking my credit report I noticed that addresses were being reported where I never resided. I called the bureaus requesting that the inaccurate information be removed and followed up with letters certified mail. 

Failure to remove incorrect information being furnished to my profile is in violation of 15 USC 1681 C-2 and continuously reporting it after being deemed unverifiable and incorrect is in violation of 15 USC 1681EB

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NJ

Complaint narrative:
I was recently informed that Chime is closing my account effective XX/XX/XXXX, without providing any clear explanation. I have not done anything that violates their policies, and this account has been my primary banking source. I rely on it for my direct deposits and use it daily for purchases. Additionally, I am a Chime XXXX member and have always managed my account responsibly. Despite reaching out, Chime has not shared any specific reason for the closure, which has left me confused and concerned. I have upcoming deposits coming in, and this will affect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-04-17 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: TX

Complaint narrative:
Request for Blocking and Deletion of Fraudulent Accounts Pursuant to 15 USC 1681c-2 ( a ) .I am contacting you as a victim of the Data Breach. Since my information was compromised, I am invoking my rights under 15 USC 1681c-2 ( a ) to request that any fraudulent accounts associated with my identity be permanently blocked and deleted from my credit file.

Please take the necessary actions to ensure that any unauthorized or fraudulent accounts, as detailed in the accompanying documentation, are blocked and removed from my records.

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 2025-04-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank, on XX/XX/25, stole over {$18000.00} from my checking account. They set my balance to XXXX  and would not let me withdraw MY FUNDS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Didn't provide services promised — 
Company: Selene Holdings LLC
State: NY

Complaint narrative:
I have been an owner of my property for over thirty years. I fell behind on my mortgage due to the fact that I had a massive XXXX and was unable to work. That led to my wife retiring early because I was unable to care for myself, and she had to attend to my health. That is the reason I fell behind on my payments. At that time, I was obtaining help to modify my mortgage from a mortgage modification loan specialist. My loan modification specialist took all the necessary measures to help me get qualified for a mortgage assistant program. Unfortunately, the loan modification specialist passed away, and my mortgage payments were taken over by a different loan company, which is Selene XXXX. So, therefore, I had to start all over again with the help of my children and another loan modification specialist. I was able to take the necessary measures to keep my home. With this new mortgage company, I have confirmed, explained and submitted all the documents they asked for and that need to be reviewed and waited for approval. I have kept up to date with and sent in documents in a timely manner. However, due to their lack of not taking the time to look over my paperwork, the company did not look into the information provided. Disregarding not making contact through the telephone, not seeking an assistant to keep my home was not met. 
I was told by Selene XXXX  that, due to my incomplete application, they had terminated my application and that caused my home to go into foreclosure. Even though I have provided a significant amount of evidence, they informed me that I needed to include additional income in my package. This is my third application and there are numerous phone calls that I have made dating back to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was informed in XX/XX/XXXX, that I have sixty days to provide proof of additional income with my application. In which I did provide proof of additional income within a timely matter and was still denied. They assured me that my application was received and would be looked at by the right party. Due to their negligence, my home has a foreclosure set, and I am looking to stop it from going into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
Someone tried to use my identity to get a personal loan. I do not have a loan or any active account open with this company and Id like the inquiry removed off of my credit report. This is negatively affecting me and I need this fixed. 

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681b ), a hard inquiry ( which affects your credit score ) can only be made if there is a permissible purpose specifically, if you initiated a credit transaction or there was a legitimate intent to extend credit.

If there is no open account, no approval, and no valid business need, the inquiry may be unauthorized or questionable.

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 2025-04-17 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: FL

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 2025-04-17 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: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-17 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: NJ

Complaint narrative:
I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

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 2025-04-17 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Portfolio Recovery Associates ( LLC ) promised me on a recorded conversation that when I paid settlement amount it would be reported as paid in full and verbalized this verbal agreement. Breach of contract occurred when it was reported as settled and not paid in full. When I reached out they said they would file a complaint but not change it even though they agreed to report it this way and would not provide me with a recording to confirm that indeed this was discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX  XXXX XXXX XXXX * * * * - - XXXX XXXX  XXXX XXXX * * * * - - XXXX XXXX XXXXXXXX * * * * - - XXXX FIN XXXX * * * * - - XXXX XXXX * * * * {$710.00} {$710.00} XXXX XXXX * * * * {$13000.00} - XXXX XXXXXXXX * * * * {$1300.00} - NOT PROVIDED XXXX * * * * {$13000.00} - NOT PROVIDED XXXX * * * * {$1300.00} - XXXX XXXX, XXXX XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-04-17 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts are not accurate : XXXX  XXXX XXXX XXXX * * * * - - XXXX XXXX  XXXX XXXX * * * * - - XXXX XXXX XXXXXXXX * * * * - - XXXX FIN XXXX * * * * - - XXXX XXXX * * * * {$710.00} {$710.00} XXXX XXXX * * * * {$13000.00} - XXXX XXXXXXXX * * * * {$1300.00} - NOT PROVIDED XXXX * * * * {$13000.00} - NOT PROVIDED XXXX * * * * {$1300.00} - XXXX XXXX, XXXX XXXX A. States I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. XXXX XXXX XXXX ( a ) ( XXXX ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. XXXX XXXX XXXX XXXX, XXXX ( a ) ( XXXX ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
When I checked out my credit profile there were some inquiries listed that do not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX account number XXXX Forum on XXXX XXXX XXXX  XXXX XXXX balance {$460.00} XXXX XXXX  {$490.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Diversified Adjustment Service, Inc.
State: MI

Complaint narrative:
RE : formal dispute of inaccurate credit reporting under FCRA and consumer law To whom it may concern, I am writing to formally dispute an accurate informational on my credit report. This dispute is submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires credit reporting agencies to conduct reasonable investigations of disputed items. 

Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerning regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against experience, the CFPB alleged that the company engaged in XXXX investigations violating consumer protection law by failing to meet the obligations of the FCRA. 

As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), experience is required to conduct a thorough and reasonable investigation of disputed idols within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information filed to be inaccurate, incomplete, or unverifiable must be properly deleted or corrected. Fail to adhere to these requirement constitutes a violation of federal law. 

I hear by request that experience : 1. Conduct a thorough investigation of the following dispute accounts or items 2. Provide me with all documentation used to verify the accuracy of the disputed information.

3. Correct or delete any information that can not be verified or is in accurate, as mandated by law. Given the recent CFPD findings, I expect experience to handle this dispute with the utmost seriousness and compliance with the legal standards. A copy of my identification and any relevant supporting documents are enclosed to facilitate investigation.

If experience fails to comply with its obligations under the FCRA, I will not hesitate to escalate this matter to the CFP and pursue any necessary legal action to protect my rights. 

Please respond to this dispute in writing within the legally mandated timeframe. I expect written confirmation of any changes made to my credit file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I have disputed SEVERAL fraudulent accounts on my credit report to Experian, Equifax and TransUnion. I am constantly being denied removal of the accounts and my consumer laws are being violated! On top of a breach of info ( FERPA ) along with 15USC1681! There is complete and total account inaccuracy being documented and verified onto my account! I have requested several times via dispute and being denied removal

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: IL

Complaint narrative:
I have disputed SEVERAL fraudulent accounts on my credit report to Experian, Equifax and TransUnion. I am constantly being denied removal of the accounts and my consumer laws are being violated! On top of a breach of info ( FERPA ) along with 15USC1681! There is complete and total account inaccuracy being documented and verified onto my account! I have requested several times via dispute and being denied 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