vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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 recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-03 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: GA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-10-03 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: FL

Complaint narrative:
My information was exposed in a data breach and as a result i am a victim of identity theft. i have submitted all required documents to be able to get these accounts blocked from my report in accordance with FCRA 15 usc 1681 605b. When i called and spoke with a rep at experian they told me my documents were not clear enough. So i submitted new docs to support my dispute and they still have not complied with my rights as a consumer to have these items blocked and deleted from my report. I am submitting the documents again as proof that i submitted all required documentation. The accounts are Account number XXXX Account number XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
My information was exposed in a data breach and as a result i am a victim of identity theft. i have submitted all required documents to be able to get these accounts blocked from my report in accordance with FCRA 15 usc 1681 605b. When i called and spoke with a rep at experian they told me my documents were not clear enough. So i submitted new docs to support my dispute and they still have not complied with my rights as a consumer to have these items blocked and deleted from my report. I am submitting the documents again as proof that i submitted all required documentation. The accounts are Account number XXXX Account number XXXX Account number 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 2025-10-03 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: FL

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
It appears that Chase/ JP Morgan just refuse to do there job, my brother left behind some money and Chase looks like they just want to keep, to bad for me! Its been more than two months and Im still chasing the Chase Ghost. Every time I call there number they say it going to take 2 day, then after filling a complaint with CFPB I Finally received, a answer but it never answered my main complaint I just got some GASLIGHTING from possible someone in management. I would like to reopen my original complaint ( XXXX XXXX ) one with regards to the number and information listed above. My original request was for Chase to go back to our phone conversations, which according to your telephone prompt, all calls are recorded for training purposes. My original call was made from my Chase branch alongside, my branch representative going back two months ago. Its youre job to retrieve them. I have been at this for months now and all I get is the run around and the blame game. My request was sent by my branch representative from her fax machine at her branch office, every time I call to follow up, Im being told that nothing was received even though my representative at my Chase branch, got a confirmation page. What is going on over there? Is your staff that inept that they cant follow up on a simple fax? Who do we need to contact to get this taken care of? Do you not have experienced staff to take on a simple project? Is it because its outsourced? Can they be trained to accept a simple fax request? The next step will be to contact the XXXX and the FCC. I expect a timely response. Chase Branch : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bizcorp, LLC
State: TX

Complaint narrative:
I sent an email after receiving a very horrible call. It was an extremely aggressive, mean, threatening, and unprofessional person that called. He threatened me with wage garnishment, a felony charge if I didnt pay at least XXXX dollars 7 times for a debt of XXXX that I have never owed. I emailed the company and they sent this as a reply. They said they have been contacted many times claiming the same. The number that contacted me was XXXX. 

Hey! That call was not from us. They are scammers. 



We are a small, local company in XXXX Louisiana. We do not loan outside of our area & we do not hire out 3rd parties for any collections. Everything is done in our office. 

There was a XXXX XXXX located in Texas that recently closed down, and I think thats whos customers they are contacting. 



If you can, please file a report on the company that called you. Ive listed some resources below.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-03 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: GA

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: CA

Complaint narrative:
I received a letter in the mail today sent express mail indicating the company was closing my account in less than 30 days. 
I would no longer be able to conduct opening transactions after XX/XX/year>. 
The ask we take the following steps to remove all assets prioer to the closing date. 

There is no reason listed on the letter other than based on the terms of the applicable account agreements. 
Charles Schwab has decided to close the accounts listed below. After contacting the number provided, I was told there are no notes, just that it is a business decision and the back office does not provide the front line the reason. 

After speaking to a XXXX XXXX in the escalation dept, I was told the same. There is no reason, the back office does not provide the reason to the front line. In requesting the President and CEO email and phone number, to XXXX XXXX XXXX, I was provided an email to an advocacy team and not to XXXX XXXX. I was also told there is no way to speak to and/or contact XXXX XXXX directly XXXX 

This has been a first hand experience with other people I know and it is a reason to consider whether one should do business with Charles Schwab to begin with, if their life, accounts and finances are going to be turned upside down with at minimum provide a real reason, allow the customer if any wrong doing was incorrectly conducted to rectify a situation and treat the customers with respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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:
On XX/XX/2025, I received a Notice of Data Incident from but Transunion confirming unauthorized access to my personal data, including my Social Security Number and Date of Birth. Because my identity was compromised while in their control, my credit report now contains negative, unverifiable, and potentially fraudulent items. 

I disputed these accounts, but Transunion failed to remove them within the required 4-day window under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This provision requires immediate deletion of unverifiable items and prohibits reinsertion without proper certification and notice. Transunion has ignored these protections, leaving me exposed to identity theft harms and unlawful negative 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 2025-10-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Ocwen Financial Corporation
State: ID

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, we made extra principal payments to our mortgage account with PHH ( total for the 3 additional payments is {$150000.00} ). PHH applied the addition payments correctly. In addition, we made our first monthly payment of {$3200.00} on XX/XX/XXXX which PHH applied correctly to our mortgage. Then on XX/XX/XXXX PHH reversed all of our addition payments and our XXXX payment. On XX/XX/XXXX PHH applied our XXXX mortgage payment back on our account but did not calculate interest correctly. The loan was transferred to XXXX XXXX on XX/XX/XXXX. I have my XXXX statement from PHH showing an outstanding balance of {$300000.00}. {$300000.00} is the correct balance as of XX/XX/XXXX. PHH transferred the mortgage to account to XXXX XXXX at {$450000.00}. This is not correct. I have contacted PHH several times and they refuse to give me answers why they reversed all of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: IL

Complaint narrative:
I am writing to formally submit a complaint regarding multiple inaccuracies and potentially fraudulent entries on my credit report. Despite my efforts to dispute these items with the credit reporting agencies and involved creditors, these errors persist and continue to negatively impact my creditworthiness. 

The following are the specific issues : Incorrect Addresses Reported XXXX XXXX, XXXX, IN XXXX Wrong address XXXX XXXX XXXX XXXX, XXXX, IL XXXX Wrong address Incorrect or Fraudulent Accounts XXXX  XXXX ( Account # XXXX ) High balance {$540.00}, Date Opened XX/XX/XXXX Reported as Chargeoff, which is inaccurate. 

XXXX ( Account # XXXX ) High balance {$3100.00}, Date Opened XX/XX/XXXX Reported as Late Payment, disputed. 

XXXX XXXX XXXX ( Account # XXXX ) High balance {$30000.00}, Date Opened XX/XX/XXXX Reported as Late Payment, disputed. 

Bankruptcy Reporting Issue XXXX  XXXX Bankruptcy, Reference # XXXX, U.S. Bankruptcy Court This item must be accurately reflected and protected from misreporting under the Fair Credit Reporting Act. 

Unexplained Credit Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These inquiries were not authorized and may constitute a violation of the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ), which requires that all inquiries have permissible purposes. 

I am requesting that the CFPB investigate these matters, ensure that all inaccurate and fraudulent information is immediately corrected or removed, and hold the reporting agencies and creditors accountable for their repeated reporting errors. These inaccuracies are causing severe harm to my financial standing, and immediate corrective action is required.

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 2025-10-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
I have been designated as power of attorney for a family member. I contacted Marcus at the initial assignment in XX/XX/XXXX and was told general POA drafted by attorney would be fine as I'm located in Indiana and family member is in Florida. A Florida attorney prepared the POA and it was witnessed and notarized. It was sent to Marcus on XX/XX/XXXX. I received a call on XX/XX/XXXX ( eleven days after I had mailed forms ) that the POA was rejected because the Marcus legal team stated the POA did not meet FL standards - which was strange since a FL attorney prepared it. I was advised by the Marcus representative to complete the POA and Affidavit of Attorney in fact that was on their website and all would be fine. I had to send this paperwork to the family member in Florida to get complete and witnessed and then returned back to me so I could send it to Marcus again. This was done and sent on XX/XX/XXXX. I received another phone call XXXX that form was missing a date on a line even though the same date was present on another line. I would have to prepare and submit new forms meaning another notary. This set of forms was sent to Marcus on XX/XX/XXXX. I contacted Marcus on XX/XX/XXXX ( 9 days after mailing ) and was told that documents were received on XX/XX/XXXX and were in review by legal. I had not received a response so I contacted Marcus again on XX/XX/XXXX. Marcus rep told me the same thing the documents were in review by legal and the legal has 18 business days to review. I find this interesting because " legal '' had rejected the previous two submissions within 10 calendar days of them being mailed. I called back XX/XX/XXXX and asked if the forms were final. I was now told the legal team has 30 days to review. This company seems to be dragging their feet to allow the POA now that what I believe the paperwork is all in order. Marcus had no problem accepting the wire that was sent to fund this account but now getting access is being made impossible. I was designated as POA to help this family member pay bills.I understand that Marcus needs to protect their depositors ' money because I too, am a banker for almost 40 years in charge of Operations at my institution. We would never drag a customer out in this way when it's clear the paperwork is all in order.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
CREDIT COL is falsely reporting on my credit. I have never had any accounts with them. Per my research CREDIT COL is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation