vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-21 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: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I am writing to formally dispute the following account that appears on my credit report. This account is reporting inaccurately as it does not belong to me. I have never opened this account, nor have I guaranteed or been responsible for this debt. 

I require the complete deletion of this erroneous account from my credit file immediately, as it is demonstrably the result of an error or identity theft and does not reflect an obligation of mine. 

Under the Fair Credit Reporting Act ( FCRA ), consumers have the right to dispute any inaccuracies in their credit reports. Specifically, Section 609 ( a ) ( 1 ) provides consumers the right to request the identification of any information on their credit report that they believe is incorrect. Additionally, Section 623 ( a ) ( 1 ) mandates that furnishers of information, such as PRA, must ensure the accuracy and integrity of the information reported. Since I did not authorize the opening of or any transactions on this account, it can not be deemed accurate. 

Furthermore, as this account appears to have been opened in the name of a person other than myself, I am requesting immediate action to have it removed from my credit report..

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
When I was divorced my XXXX  husband received a property and he had 9 months to refinance. He could not refinance because he filed for bankruptcy with his new wife. During that time the loan was reaffirmed with just his name and the terms and conditions were changed. I had no idea this even transpired. I did not sign for another loan nor was I informed of any changes. I have contacted Shellpoint mortgage to have my name removed according to all the paperwork showing such and they will not remove my name plus they have been damaging my credit since XXXX. I have endured unnecessary stress and mental anguish plus all the extra money I pay for any loans for interest. I don't understand how or why they can continually get away with damaging my life.

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 2025-10-21 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: FL

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX Equifax XXXX XXXX XXXX ( XXXX XXXX 2018 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I am filing this complaint against TD Bank regarding multiple unauthorized debit card transactions and the subsequent reversal of provisional credits that have left my account severely overdrawn. 

I reported several fraudulent transactions on my TD Convenience Checking account in early XX/XX/2025, including unauthorized charges at XXXX XXXX totaling approximately {$1200.00}. TD Bank initially issued provisional credits while investigating, but later reversed all of them without providing any documentation or proof that I authorized these charges. 

In total, TD Bank reversed multiple provisional credits, each labeled Reverse Provisional Credit in my transaction history, with amounts around XXXX XXXX XXXX to XXXX XXXX XXXX dollars each. After these reversals, my account went negative by approximately XXXX XXXX forty-five dollars, leaving me without access to any funds. These funds were part of my college tuition refund, and I am now facing financial hardship due to TD Banks decision. 

TD Banks dispute department sent me a letter stating that the transactions appear to be authorized, but I have no XXXX XXXX membership and was not present at any of the. several locations. I requested documentation and merchant receipts under Regulation E, which gives consumers the right to evidence used in determining a dispute, but I have not received any response or proof. 

I am requesting that TD Bank : Provide full documentation, merchant receipts, and investigation notes that led to their conclusion that the transactions were authorized. 

Reopen and reinvestigate the fraud claim. 

Reissue the provisional credits that were reversed, or provide a hardship refund/fee reversal until the investigation is completed fairly. 

Review TD Banks handling of Regulation E consumer protections in this case, as I believe the investigation was incomplete and the outcome unjustified. 

This situation has caused significant financial hardship. I currently have a negative balance and no access to basic funds, which has affected my ability to pay for school, transportation, and necessities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX 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 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXXXXXX 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 2025-10-21 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:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-21 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Subject : Formal Complaint Regarding Misleading Practices by the XXXX XXXX XXXXXXXX I am writing to formally file a complaint regarding the University XXXX XXXX and its alleged deceptive recruitment and financial aid practices, which have left myself and many others burdened with overwhelming student loan debt that we are unable to repay. During the enrollment process, the XXXX XXXX XXXXXXXX made a number of misleading representations that significantly influenced my decision to enroll. These included exaggerated claims about job placement rates, the value of its degree programs in the job market, and the availability of career support services. Furthermore, the financial counseling provided by the university was inadequate and misleading, often encouraging students to take on substantial federal and/or private loans without a clear understanding of the long-term consequences. As a result, I, like many others, incurred tens of thousands of dollars in student loan debt for a degree that has not led to the promised career opportunities. The return on investment for the education provided has proven to be far less than represented, leaving many graduates underemployed or unemployed, with no viable path to manage or repay their student loans. These practices have caused financial and emotional hardship, and they appear to violate consumer protection laws and ethical standards in higher education. The impact of this deception is long-lasting and continues to affect the lives of former students and their families. I respectfully request that your office investigate these practices and consider appropriate actions, including debt relief, restitution, and enforcement measures against the XXXX XXXX XXXXXXXX. Students deserve transparency, honest counseling, and educational institutions that prioritize their success, not profit at their expense. Thank you for your time and attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-21 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: TN

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-21 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:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: HI

Complaint narrative:
To Whom It May Concern, I am writing in response to a recent communication from your company regarding an alleged debt. I do not acknowledge ownership of this debt and am formally requesting validation of the debt as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Please provide the following documentation : XXXX. The amount of the alleged debt ; XXXX. The name and contact information of the original creditor ; XXXX. A copy of the original signed agreement or other documentation showing I agreed to assume this debt ; XXXX. A complete payment history, including all interest, fees, and charges added ; XXXX. Documentation that XXXX XXXX XXXX XXXX XXXX has the legal authority to collect this debt ( including a copy of the assignment or purchase agreement ) ; XXXX. A copy of any judgment, if applicable. 

While this request is pending, I request that you cease all collection activities and do not report this account to any credit reporting agencies, or, if it has already been reported, that it be marked as disputed. 

Please be advised that continued collection efforts without proper validation constitute a violation of the FDCPA and may be reported to the appropriate regulatory authorities. 

Thank you for your time and cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: VA

Complaint narrative:
I've reached out to Transunion on multiple occasions ( XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX ) in an attempt to resolve a multitude of errors that are continuously and illegally being reported to my credit profile and they continue to violate FCRA Guidelines. The office simply continues to respond that the accounts were verified as accurate without providing the method of verification or the source used as requested which is a requirement under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ). This debt is being reported twice : once under XXXX and once under XXXX, both showing the same balance of {$8100.00}. Thats duplicate reporting. XXXX shows a {$0.00} balance because it was sold, yet still reports derogatory charge-off language. Under Metro 2 guidelines and CFPB standards on accurate furnishing, once an account is sold the original creditor must show Transferred/Sold, {$0.00} balance, not keep reporting it as charged-off. I demand to have these items removed as I've requested multiple times for the items to be verified and updated which Transunion has failed to do.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
BASIC INFORMATION Product : Checking or Savings Account Sub-product : Checking account Credit Card Issue : Managing an account Sub-issue : Funds not handled or disbursed as instructed Company : JPMorgan Chase Bank, N.A. 
________________________________________ COMPLAINT DESCRIPTION Date of Issue : Ongoing I am filing this complaint regarding Chase Bank 's systematic practice of processing debits to my account instantly while deliberately delaying credits and refunds by XXXX business days or longer. 
The Systematic Practice : Chase has the technical capability to process transactions instantly, as evidenced by the immediate debiting of my account. However, when the bank owes XXXX moneywhether from refunded fees, corrected errors, or resolved disputesthey impose multi-day delays. 
This asymmetric processing is not due to technical limitations. It is a deliberate policy choice that : XXXX. Generates profit for Chase through float income on funds that belong to customers XXXX. Creates financial hardship by leaving customers without access to their own money XXXX. Demonstrates unfair dealing by applying different standards for taking money versus returning it XXXX. May cause additional harm through overdraft fees or inability to pay bills while waiting for refunds What I Want : Chase should credit customer accounts at the same speed they debit them Chase should provide immediate provisional credit for all bank-initiated refunds Chase should explain in writing why they choose to delay credits when instant processing is clearly possible Industry-wide regulatory standards requiring equitable processing times for debits and credits Impact : This systematic practice creates ongoing financial harm including : Financial inconvenience from delayed access to my own funds Potential for overdraft fees or inability to pay bills while waiting for refunds Loss of use of funds that rightfully belong to me during delay periods Time and stress dealing with this inequitable practice This practice affects millions of Chase customers daily and generates substantial profit for the bank at customers ' expense through float income. I believe this systematic policy warrants regulatory attention and potential enforcement action. 
I maintain complete records of all relevant transactions and will provide detailed documentation upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 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: HI

Complaint narrative:
To Whom It May Concern, I am writing in response to a notice I received from your company regarding an alleged debt. Please be advised that I am requesting validation of this debt as provided for by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Pursuant to my rights under the FDCPA, please provide me with the following : 1. The amount of the alleged debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of the original agreement showing that I am legally obligated to pay the debt ; 4. A complete payment history, including charges, interest, fees, and payments ; 5. Proof that XXXX XXXX XXXX has the legal right to collect this debt ( e.g., chain of title from the original creditor to XXXX XXXX  ) ; XXXX. A copy of the judgment ( if applicable ). 

Until you provide this information, I request that you cease all collection activities, including reporting this alleged debt to credit reporting agencies. 

Please be aware that any attempt to collect on this debt without first validating it is a violation of federal law. 

Thank you for your cooperation. 

Sincerely 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 2025-10-21 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: PA

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-21 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: NC

Complaint narrative:
My name is XXXX XXXX complaint is not made in error neither is it being made by a third party. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2025-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: DE

Complaint narrative:
I have chime in chime theres something called XXXX XXXX is a credit lender that gives u a limit amount of your own money at once and you continually pay it back after you get paid Ive recently gotten paid last week on Thursday due to bills Ive had to rely on my mypay this week then there was an outage for banking I could access my money then it was up and running this morning with my mypay funds gone Ive only used XXXX $ of the XXXX $ limit and there making me repay so I can continue to use the rest. There basically stealing from me this hinders my transportation to work

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING 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