vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Thank you for reviewing my complaint. I have always paid the current month 's mortgage payment, plus the assessed late fees the last day of the month ; because I get paid once a month, at the end of the month. 

There is a note on my account with XXXX XXXX XXXX  that states I pay the mortgage the last day of the month. 

All 3 of my credit reports that show the last 7 years, I've never missed a payment or was late a payment.

In XXXX, I made a payment on XX/XX/XXXX for the XXXX payment. XXXX XXXX XXXX  would not accept payment on XX/XX/XXXX. It was posted to my account on XXXX and reported to all 3 credit bureaus a 30 day late payment. My payments are sent online. XXXX XXXX XXXX  does not have an option to make payments directly to XXXX XXXX XXXX, they have to use a third party company that will not process payments the same day. 

I am not in the position to physically go to a bank and make a payment. XXXX XXXX XXXX  does not have locations where I am easily accessible too. There are few banks in which the area I am located on my pay days. I have to send my payment electronically. 

I feel discriminated against because of my ethnicity and being a minority. In other cases if I were the majority or a white person, this would be granted to the consumer. XXXX XXXX XXXX  advertises the following : " A local bank with a big heart! 
We're all about caring for communities and sharing with those in need. 
Our seasoned professionals listen and care - about you and your goals. In fact, our mission is your success. '' " We're invested in these local communities because we live here, too. For us, it's about more than providing financial services to customers. It's about forging bonds locally and giving back in as many ways as possible. '' " The awards we celebrate come from the people we serve, customers like you. We're proud of our various readers ' choice awards because they represent the positive impact we make on people every day. '' XXXX XXXX XXXX  does not care or have any compassion for the consumer after I have been a faithful and loyal customer since the inception of this account. 

I feel these are inexplicable discriminatory practices and false advertising!

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 2025-09-05 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: WI

Complaint narrative:
Recently, I conducted an investigation on my credit report and found several items to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

Please remove the following items from my credit report immediately : Experian : 1. XXXX XXXX, Acct # XXXX Reported as Charged Off, {$8800.00} balance. Date Opened- XX/XX/XXXX 2. XXXX XXXX XXXX Bank, Acct # XXXX Reported as Charged Off, {$19000.00} balance. Date Opened- XX/XX/XXXX 3. XXXX XXXX  XXXX, Acct # XXXX Reported as Charged Off, {$3900.00} balance. Date Opened- XX/XX/XXXX Equifax : 1. XXXX XXXX XXXX XXXX Credit Card, Acct # XXXX  XXXX Reported as Charged Off, {$17000.00} balance. Date Opened- XX/XX/XXXX 2. XXXX XXXX Services ( XXXX ), Acct # XXXX  XXXX Reported as Charged Off, {$8800.00} balance. Date Opened- XX/XX/XXXX 3. XXXX XXXX XXXX, Acct # XXXX  XXXX Reported as Charged Off, {$3900.00} balance. Date Opened- XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX, Acct # XXXX  XXXX Reported as Charged Off, {$4300.00} balance. Date Opened- XX/XX/XXXX 5. XXXX XXXX XXXX Bank, Acct # XXXX XXXXXXXX Reported as Charged Off, {$19000.00} balance. Date Opened- XX/XX/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 2025-09-05 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: FL

Complaint narrative:
This is a follow-up complaint regarding Equifax 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Equifax to potential regulatory and civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-05 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: PA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Just to let you know, I am XXXX to get a once a month XXXX happened Sunday, XX/XX/XXXX I got a text message saying that my card was trying to be used at a target in XXXX Texas and asked if that was me and I said no and the text message I got said that a Chime will be with me soon I got the call from the Chime member. He told me that an XXXX XXXX tried to use my card, I told him this was too many times that my card had been stolen or being trying to be used by other people in different states. He told me that we had to get a new profile too so this wouldnt happen Again so I was going to the process of getting a new profile and my money being switched over to that new profile so I sent over my XXXX {$1200.00} to the new account number that he gave me plus the {$78.00} after that he told me that it would take XXXX to XXXX hours for the profile to be canceled in the new one be sent to my email to activate but it never happened so I called Chime to let them know that someone from their office scammed me out of my money and that my money was gone They told me that it was my fault that I got scammed and not their companies but now that I dont have this money, I cant pay on my car, my house or any of my bills they open the case twice, but found that they were not in the wrong after all the emails I got from the company, same logos as their company and asked them. How can someone that was not Chime be able to close my account with that without my information but still they blame me and it says its my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a certfied debt validation letter on XX/XX/year> and I didnt recieve a response from the company. I then sent a second certified debt validation letter on XX/XX/year> requesting for MCM to validate the debt as well as cease on the harassing phone calls. And didnt receive a response either which goes against 15 U.S. Code 1692 G.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My cell phone was hacked and the people got into our access to our banking information and did a wire transfer at XXXX XXXX  in the XXXX  and they said that my that I approved it by a text message which we didnt have access to our phone and we did not approve it. I have codes on all of my accounts and they know that we would never make a wire transfer that amount of money at XXXX XXXX  in the XXXX. I have a police report on file at XXXX oclock in the morning when we realize something had happened to my phone. We called the bank and did a fraud and they said that nothing was transferred, and that was false when we went into the bank at XXXX oclock to switch our accounts they had taken money out of my XXXX, checking account. She was not notified as well as myself. We showed the bank that we did not have access to her phone for XXXX XXXX  and they didnt care. I have passwords security passwords in order to get any kind of money out of the account and they did not ask for that at all.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
Escrow overpayment of {$1700.00} was not used for property insurance, nor property taxes. Monies were not refunded to me. Rather, they paid other fees and costs which is against what I wanted and the contract authorized. I am requesting the funds be returned to the escrow account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-05 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
b'I applied for an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX received, and called to start upon receiving card.  ........\n1. contact# XXXX XXXX  ........\n2. manager of account: .....XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX..................................................................................................................................\nTHE ISSUE IS:\XXXX XXXX  DOESN\'T SHOW THIS CARD; HOWEVER, SHOWS THIS CARD.\n....................................................................................................................................\n1800Mattress STORE CARD.....................................................................................\nTHIS CARD CORRELATES WITH XXXX XXXX XXXX XXXXERMS.\n....................................................................................................................................\nI DID NOT RECEIVE A CARD FOR .XXXXXXXX XXXX XXXX XXXXI DID NOT Apply for a XXXX XXXX XXXX....................................................................................................................................\nI HAVE NO credit account # as I never received a card........\nXXXX XXXX XXXX  shows up in my XXXX XXXX  ............................\n1. It has a contact XXXX XXXX XXXXthis # in a non-active #.).....................................\n2. Manager of account: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX...........................................................................................................\nSPOKE WITH XXXX XXXX XXXX THEY SAID THEY DO NOT MANAGE XXXX XXXX CARD.\n................................................................................................................................... \nI Called the Credit Bureau - tried to do online-  finally got someone who DIDN"T Speak XXXX XXXX XXXX......................................................................................................................................\nI can\'t give a card # as I never received a card form XXXX XXXX XXXX.......................................................................................................................................\n\nIs this human error? .. A wrong phone # and Wrong managing co. are concerning.'

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 2025-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WV

Complaint narrative:
I received a cash app card in my name to my address. The card was to a new account created a week ago currently XX/XX/year>. The account was in my name and used my address but I never made the account or requested the card. I reached out to cashapp and they are looking into it. I did not activate the card and immediately contacted cashapp so no money could be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-04 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: TX

Complaint narrative:
I am writing to formally submit a complaint regarding inaccurate and misleading information being reported on my credit report by multiple creditors. These errors are affecting my creditworthiness and are causing significant stress and potential financial harm. I request a thorough investigation and immediate correction of the following items : Incorrect Addresses Reported : XXXX XXXX XXXX XXXX XXXX, FL XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX These addresses have never been associated with me, yet they appear on my credit report. Reporting false addresses is a violation of the Fair Credit Reporting Act ( FCRA ), which mandates that all information reported must be accurate and verifiable. 

XXXX XXXX XXXX Accounts : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX High Credit : {$490.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment Account # : XXXXXXXX XXXX XXXX XXXX XXXX | High Credit : {$520.00} | Date Opened : XX/XX/XXXX | Issue : Late Payment I dispute the reported late payments on these accounts. The payments were made on time, and the reporting of late payments is inaccurate. Under the FCRA, Section 609 and Section 611, I am entitled to dispute any information I believe to be inaccurate, and the credit reporting agency is required to investigate and correct any errors. 

XXXX XXXX XXXX  Inquiries : Date : XX/XX/XXXX I did not authorize this inquiry. Unauthorized inquiries negatively impact my credit score and violate the FCRA, Section 604, which restricts access to my credit report without my consent.

These inaccuracies are negatively impacting my credit score and ability to secure financial products. I request that : All incorrect addresses be removed immediately.

The late payments reported on XXXX XXXX XXXX accounts be investigated and corrected. 

The unauthorized inquiry by XXXX XXXX XXXX  be removed. 

A written confirmation be provided to me once these corrections have been completed.

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 2025-09-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute the following fraudulent information on my credit report. I recently discovered that an account was opened in my name without my knowledge or authorization. Creditor/Collection Agency : XXXX XXXX ( Original Creditor : T-Mobile ) Account Number ( last XXXX digits ) : XXXX Balance Reported : {$130.00} Date Opened : XX/XX/year> I am writing to dispute the following fraudulent information on my credit report. I recently discovered that an account was opened in my name without my knowledge or authorization. Creditor/Collection Agency : XXXX XXXX ( Original Creditor : T-Mobile Account Number ( last XXXX digits ) : XXXX Balance Reported : {$130.00} Date Opened : XX/XX/year> This account is the result of identity theft. I did not open this account, nor have I ever authorized anyone to do so. In accordance with the Fair Credit Reporting Act ( FCRA ) and supported by the Federal Trade Commission ( FTC ) Identity Theft Report included with this letter, I request that this fraudulent account be removed from my credit file 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 2025-09-04 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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