vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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 2025-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: State Home Mortgage
State: GA

Complaint narrative:
In XXXX my mortgage company State Home Mortgage did not pay home owner insurance and I went over a year without home insurance. The mortgage company sent a payment anyway & then the insurance company supposedly tried to send me a refund check I never received. So I had to get another home insurance policy. 

In XXXX around XXXX I was told by the mortgage company that they did not pay my home owner insurance again. So I went months without home insurance again. The mortgage company said they got my home insurance policy reinstated and then in XX/XX/XXXX I was told that my home insurance policy was cancelled and that the insurance company sent me a refund check and I have not received this check either again. 

I ask the mortgage company 2 times XXXX XXXX XXXX time and XXXX XXXX time what compensation will I receive for this 2 times now & they both said I will receive nothing. 

So if I would have lost my house while having no insurance how will have I been able to pay State Home Mortgage company. 

I am a good home buyer and am trying to pay ahead. How is this fair to me State Home Mortgage throwing my money away & putting my house in jeopardy?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was XXXX  from XXXX XXXX until XXXX XXXX. During this time someone gained access to my checking account and debit card. within this time there was a total i believe of XXXX fraudulent charges totaling XXXX. When i was XXXX XXXX XXXX i came home to being flat broke and my account being in the negative instead of a savings of XXXX. There was only supposed to of been auto deduction from the account to XXXX for XXXX a month during XXXX XXXX XXXX. Instead there were ATM withdrawals, dozens of fraudulent charges made to various entities. When i was XXXX  I did not have anything with me but my sweats and tshirt on, no shoes, wallet,, or cell phone were taken with me. My wallet was lost, which unfortunately my pin code was written down on a piece of paper with a dozen phone numbers around it. which by all means did not mention anything about it being my pin code for my debit card. I have XXXX XXXX XXXX XXXX issues due to XXXX XXXX from XXXX XXXX issues and medications i take. Im alone have no help from family or friends. The bank in turn closed the claim even before they received a copy of proof of my XXXX. they stated that due to my negligence of writing down my pin code its my fault i lost my money there for Wells Fargo is not going to cover the claim. The also stated there was nothing more i could do to fight this or any other steps i can take to get the case reopened. I had to contact an attorney to get the information on what steps i needed to take and what legal rights i had to get my claim reopened and investigated and monies returned. I by all means never gave anyone permission to use my account or did i give out my pin code, or debit card to anyone. I was In XXXX i had no way to contact anyone to even give this permission to begin with. Im asking for help to get this claim reopened and investigated. As of today im still feeling the effects of this money being stolen from mhy accountg which is now negative XXXX. Please Help Me.

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 2025-10-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Formal Complaint Violations of FCRA and TILA by Equifax To the Consumer Financial Protection Bureau ( CFPB ) : I am filing this complaint regarding ongoing violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ) committed by Equifax. Despite multiple written disputesLetter XXXX dated XX/XX/year> and XXXX XXXX dated XX/XX/XXXX, XXXX credit bureau has failed to fulfill its legal responsibilities in investigating and verifying disputed information. 
Nature of the Complaint : I have disputed the accuracy and validity of the following account ( s ), which remain on my credit report : Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. 

Creditor Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  The account continues to reflect inaccurate and unverified information, despite being formally disputed twice. 

Legal Basis for Complaint : Violations of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681i Failure to Conduct a Proper Reinvestigation The bureau did not provide an adequate description of the reinvestigation process as required by law. 

15 U.S.C. 1681e ( b ) Failure to Ensure Maximum Possible Accuracy The information reported does not meet the standard of accuracy required under the FCRA.

15 U.S.C. 1681b ( 2 ) Impermissible Purpose The information reported may have been shared or retained without a legally permissible purpose.

15 U.S.C. 1681a ( 4 ) Violation of Privacy Rights The ongoing reporting of this account violates my right to privacy under federal law.

15 U.S.C. 1681i ( 7 ) Failure to Provide Investigation Summary I have not received a summary of the investigation process within the 15-day window, as required. 

15 U.S.C. 609 ( a ) ( 1 ) ( A ) and 609 ( a ) ( 2 ) Verification Failure I am invoking my right to demand physical proof of the original signed contract related to this account. Failure to produce this documentation constitutes a breach of verification standards. 

Violations of the Truth in Lending Act ( TILA ) : Failure to Provide Accurate and Timely Disclosures Equifax failed to provide accurate disclosures regarding the status of the account in accordance with the TILA. 

Federal Consumer Protection Violations : Title 15, Chapter 41 This bureaus repeated failures to verify and correct information indicate systemic violations of federal consumer protection laws. 

Public Law 91-506, Title VI, Section 611 ( Subsections AD ) The process used did not comply with federal requirements for removing inaccurate or unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-31 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: GA

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

Company 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 2025-10-31 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: NY

Complaint narrative:
Charged-Off Accounts XXXX XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$1300.00} XXXX  XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$2900.00} XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$970.00} XXXX  XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$600.00} XXXX XXXX XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$950.00} XXXX  XXXX Acct # : XXXX Date : XX/XX/XXXX Amount : {$450.00} XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$10000.00} XXXX XXXX  Acct # : XXXX Date : XX/XX/XXXX Amount : {$11000.00} I dispute these accounts and request verification directly from the creditors. Remove or correct any information that can not be verified. 

Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX Please verify the purpose of these inquiries. Remove any unauthorized inquiries. 

Late Payments XXXX  Acct # : XXXX XXXX XXXX XXXX XXXX Acct # : XXXX & XXXX XXXX  XXXX Acct # : XXXX & XXXX I dispute these reported late payments. Verification is required from the creditors. Any unverifiable or inaccurate late payments should be corrected or removed.

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 2025-10-31 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: ACIMA CREDIT, LLC
State: VA

Complaint narrative:
To : XXXX  XXXX. XXXX XXXX, XXXX, TX XXXX XXXX  XXXX. XXXX  XXXX, XXXX, GA XXXX XXXX  XXXX. XXXX XXXX, XXXX, PA XXXX Subject : Formal Dispute and Demand for Validation Under 15 U.S.C. 1681 To Whom It May Concern, I am writing to formally dispute and demand verification concerning the information that has been furnished and/or obtained in my consumer report without my explicit written consent, as required under 15 U.S.C. 1681 ( b ) of the Fair Credit Reporting Act ( FCRA ). 
Upon reviewing my credit file, I have identified certain accounts, inquiries, or data entries that appear to have been accessed or reported without lawful authorization or permissible purpose as defined in 15 U.S.C. 1681b. I have never provided written instructions or consent permitting any entity, creditor, or agency to furnish or obtain my personal or financial information. 
Accordingly, I am demanding that your agency : 1. Conduct a full investigation into any and all accounts, inquiries, or information that were obtained or shared without my written consent ; 2. Provide the name, address, and lawful purpose of each entity that furnished or accessed my report ; and 3. Delete any item that can not be verified as having a legitim

ate permissible purpose under 15 U.S.C. 1681b. 
Be advised that failure to comply with the Fair Credit Reporting Acts accuracy and verification requirements constitutes a willful violation, subject to civil liability under 15 U.S.C. 1681n and 1681o. 
Please provide a written response and updated credit report reflecting any corrections or deletions made as a result of this dispute. I expect confirmation within 30 days of receipt of this notice, per FCRA 611 ( a ) ( 1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
On XX/XX/XXXX, I purchased a XXXX XXXX XXXX XXXX along with support products from an on-line company called XXXX. I had no issue with the refund of the support products totaling {$150.00} However the refund for the massager {$100.00} ( with tax ) has been withheld even though all of the merchandise was returned. The payment was made through Paypal credit which uses Synchrony Bank as its servicer. Documentation of both transactions are marked ( Exhibits A and B ). 

The products did not meet expectation and were returned to XXXX per their 90 day return policy via USPS. The receipt of payment for the return parcel as well as the tracking data confirming delivery are marked ( Exhibits C and D ). 

What has ensued are months and months of fingerpointing between Paypal credit and XXXX which uses a third party servicer called XXXX. Alll of this back and forth resulted in my filing a dispute with Paypal credit. As you can see from my XX/XX/XXXX email correspondence with XXXX marked ( Exhibit XXXX ) they maintained that the refund would be issued once the Paypal dispute claim was canceled. 

Whether the dispute was active or inactive with Paypal they failed to protect me even though I returned the merchandise. Instead there seems to be a disconnect coupled with a lack of truthfulness on behalf of Paypal Credit, XXXX and XXXX leaving me with statements from Synchrony assessing late fees and charges. 

Layering servicers results in confusion for the consumer opening the door for bad actors like Paypal Credit/Synchrony Bank and XXXX to play off one another in what feels like an attempt to extort money from unsuspecting customers. 

In closing Exhbit F speaks to the volumes of customers such as myself who have endured hours of frustration trying to recover my money. Of course I was unaware of this prior to my purchase however a company such as Paypal credit should not conduct business on their behalf if there is a perponderance of evidence that the company is not above board. Paypal has a responsibility as a credit card company not to accept charges on behalf of unscrupulous companies.

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 2025-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I previously disputed the accuracy of this account and requested verification of the information being reported. However, the furnisher and/or credit bureau failed to provide proper documentation or evidence verifying the accuracy and completeness of the reported data within the time allowed under the Fair Credit Reporting Act ( FCRA ). 

Despite my formal dispute, the account continues to appear on my credit report without any proof of investigation results or supporting validation from the original creditor. Since no verification has been provided, the continued reporting of this information is inaccurate and in violation of my consumer rights under Section 611 ( a ) of the FCRA.

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 2025-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Had, and still have a money order that was never cashed since XXXX ; I forgot do and now do not know how to do. Five years ago have been trying to find my money order and nobody tell me where. I did contac the Contralor of California State Office and they told me search in its website and did not find nothing ; then, told me contact JP Morgan Chase Bank whom just told me they have not the document. 

The money order was issued by XXXX XXXXXXXX XXXX in XXXX, CA on XXXX ; but these Bank desappear and was sold to XXXX XXXX XXXX XXXX in XXXX. 

Then, on XXXX XXXX XXXX XXXX XXXX, was sold to XXXX XXXX 

And finally on XXXX, XXXX XXXX was sold to J.P. Morgan Chase Bank with all its assets and liabilities. 

Hope you understand me, my XXXX skills language are not good, and would like to be attended by a people in XXXX language, please. Thanks you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-31 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: TX

Complaint narrative:
Reached out to them several time requiring these inquiries are fraud experian havent done anything. 
XXXX : XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX : XXXX. XXXX, XXXX : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX : XXXX. XXXX, XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXInquiry : XXXX XXXX, XXXXXXXX XXXXInquiry : XXXX XXXXXXXX XXXX XXXXInquiry : XXXX XXXX, XXXXXXXX XXXXInquiry : XXXX XXXX, XXXXXXXX XXXXInquiry : XXXX XXXX, XXXXXXXX XXXXInquiry : XXXX XXXX, XXXX XXXX XXXX Finance Companies Other Than Personal Finance CompaniesXXXXInquiry : XXXX XXXX, XXXX XXXXInquiry : XXXX XXXX, XXXXXXXX XXXXInquiry : XXXX XXXX, XXXX XXXXInquiry : XXXX. XXXX, XXXX : XXXX. XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXInquiry : XXXX. XXXX, XXXX : XXXX. XXXX, XXXX : XXXX. XXXX, XXXX : XXXX. XXXX, XXXX : XX/XX/XXXX, XXXX : XX/XX/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 2025-10-31 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Voluntary repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: MS

Complaint narrative:
Credit acceptance wants me to pay for a lemon car and on top that they repo and out of state lender and sold it for {$300.00} but want me to pay over XXXX at XXXX XXXX  XXXX XXXX when the car wasnt any value to me it had powerstrain problems when I bought it and they never fix it at XXXX XXXX where I bought it in 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 monetary relief
Consumer complaint received 2025-10-31 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: NY

Complaint narrative:
I am disputing these accounts because they are reported inaccurately and contain incorrect or incomplete information. The charged-off amounts listed are erroneous, as they do not reflect accurate account statuses or the appropriate balances owed. Additionally, the inquiries listed have caused unnecessary negative impact on my credit score, as they are incorrectly reported or were not authorized. 
TransUnion ( TU ) : Charged Off Accounts : DPT ED/XXXX - XXXX Date : XX/XX/XXXX Amount : {$0.00} DPT EDXXXX XXXX XXXX Date : XX/XX/XXXX Amount : {$0.00} XXXX - XXXX Date XXXX XX/XX/XXXX Amount : {$0.00} US DEPT ED - XXXX XXXX : XX/XX/XXXX Amount : {$2000.00} US DEPT ED - XXXX Date : XX/XX/XXXX Amount : {$1200.00} Inquiries : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : 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 non-monetary relief
Consumer complaint received 2025-10-31 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:
Charged Off Accounts : XXXX  XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1100.00}. Please verify and update the status of this account. 

XXXX  XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$1400.00}. Please verify and provide the correct status for this account. 

XXXX XXXX XXXX ( Account : XXXX ) Dispute : This account is listed as charged off on XX/XX/XXXX with a balance of {$100.00}. Please review and update the account status. 

Inquiries : There are no specific inquiries listed for Equifax in this case.

Company response to consumer: Closed with explanation