vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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:
To : Experian XXXX. XXXX XXXX XXXX, TX XXXX TransUnion XXXX. XXXX XXXX  XXXX, PA XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Formal Dispute of Inaccurate Credit Reporting Under FCRA RE : XXXX XXXX  Account # XXXX Inaccurate Charge-Off Reporting Dear [ Credit Bureau Name ], I am writing to formally dispute inaccurate information being reported on my credit report concerning a XXXX XXXX XXXX XXXX account with account number ending in XXXX. This account is being reported as a charge-off, yet it appears XXXX XXXX XXXX XXXX is still claiming the debt is owed despite the account being written off. Additionally, a Form 1099-C ( Cancellation of Debt ) has not been issued, which is inconsistent with the manner in which this account is being reported. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishers of information to consumer reporting agencies have a duty to report accurate and complete information. Furthermore, 15 U.S.C. 1681e ( b ) requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

Reporting a charge-off while continuing to assert that the full debt is owed, without issuing a 1099-C, raises concerns of potential fraud and willful misreporting, which can result in statutory damages under the FCRA. 

I am demanding an immediate investigation and deletion of this inaccurate tradeline from my credit report. If the account was indeed charged off and written off, then XXXX XXXX XXXX XXXX is no longer legally collecting the full balance and must report it accuratelyor not at all. 

Please complete your investigation within the 15day window allowed by law and provide me with written confirmation of your findings. If the inaccurate reporting is not corrected or deleted, I will have no choice but to pursue legal remedies under the FCRA, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and initiating a lawsuit. 

Enclosed are copies of my identification and a copy of my credit report showing the disputed information. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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:
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 explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
To Whom It May Concern, Over the course of two days, I was the victim of XXXX  abuse and fraud, perpetrated at the hands of XXXX who had me convinced that I was part of a plan to bring down a large scam. The timeline below shows that over the course of 2 days I visited 7 different Chase branches and withdrew a total of {$50000.00}. In those same 2 days, I deposited {$40000.00} into a XXXX  machine. All at XXXX direction. 

I understand that I ultimately withdrew this money from my account, however 2 of the banks said No and therefore I should have never been allowed to take out the money I did. My complaint concerns why the bank didnt do more to protect me and how the bank procedures failed me. While my loss was only {$50000.00}, I am collecting a larger list of people who have lost money to this same scam and believe that the banks should bear more responsibility in protecting their customers. 

Order of Events : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX  XXXX Teller did not give me money XX/XX/XXXX Branch # XXXX Withdrew {$10000.00} XX/XX/XXXX Branch # XXXX Teller did not give me money ; they did not have that amount so late in the day XX/XX/XXXX Branch # XXXX Withdrew {$15000.00} XX/XX/XXXX ~ XXXX. XXXX XXXX  ; Deposited {$25000.00} into XXXX machine XXXX XXXX XX/XX/XXXX ~ XXXX Branch # XXXX Requested {$10000.00} ; Teller ( XXXX XXXX said no XXXX XXXX XXXXXX/XX/XXXX Branch # XXXX Withdrew {$5000.00} XX/XX/XXXX Branch # XXXX Withdrew {$10000.00} XX/XX/XXXX Branch # XXXX Withdrew {$10000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX Deposited {$15000.00} XXXX XXXX  XX/XX/XXXX ~ XXXX. XXXX XXXX ; Police arrived ( called by family ) and convinced XXXX XXXX me to stop depositing cash. 
XX/XX/XXXX XXXX Branch # XXXX Went back to make sure all account activity held XX/XX/XXXX XXXX XXXX Police Filed police report Station If the bank procedures held, I should have never been able to get money after the first No The red flag should have been noted in the system so that as I went to additional banks, they knew there was a problem. Additionally, 5 banks did not follow their own training when it came to looking at my activity over the two days and noticing that it was different from my normal behavior and engaging a manager. 

Given the evidence provided, the bank neglected their responsibility to me, and I request that I receive the total dollars lost back ( {$40000.00} ) from the bank. In addition, I would like to know how the bank plans to address the procedure gaps. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: VA

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting a formal complaint against Experian and TransUnion for multiple violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I submitted legal disputes to both bureaus requesting proper verification of listed accounts. Instead of providing contracts, billing records, or method of verification, they responded with vague results and failed to follow the law. TransUnion claimed they had 60 days to reinvestigate, even though FCRA 1681i ( a ) ( 1 ) ( A ) only allows 30 days. No response or correction occurred. My score dropped even though I had no late payments, no new negative accounts, and my bills were not even due. Experian responded by falsely labeling my dispute as identity theft and demanded a police report. I never cited identity theft or any identity theft-related laws. I only cited standard FCRA and FDCPA rights : FCRA 609 ( a ) ( 1 ), 611 ( a ) ( 7 ), 1681g, 1681e ( b ), 1681i, 1681s-2 ( a ), and FDCPA 1692g ( b ). Experians false classification was used to deflect from their duty to verify the accounts. 

Since filing my first complaint, my score dropped over XXXX points. After the second, another XXXX points. This was done with no negative behavior on my end. Only harmful updates were allowed, while positive data remained untouched. This looks like retaliation for exercising my legal rights and has caused real financial harm, including being denied a vehicle purchase I was actively pursuing. I believe this is willful noncompliance, bad faith, and negligence under FCRA and FDCPA. 

Several accounts remain unverified and unsupported, including multiple Affirm accounts, XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ), and XXXX XXXX. None of them have provided original contracts, billing records, or even method of verification. I also request that no new charges be allowed to appear from these furnishers unless full legal documentation is first obtained and disclosed. I am asking that Experian and TransUnion be required to respond directly to the CFPB with written proof that I cited identity theft, or else acknowledge that their claim was false and unlawful.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: MoneyLion Inc.
State: NM

Complaint narrative:
I filed a transaction dispute with Money Lion on a item that the company XXXX XXXX would not ship for the amount of {$96.00} on XX/XX/year>. 

On XX/XX/scrub>XXXX XXXX XXXX refunded me {$42.00} and stated they were shipping the other item. The item was not received for weeks so the dispute stayed open for the adjusted amount of {$54.00}. 

I was told I was not eligible for a provisional credit and was never given one for either the {$96.00} or the adjusted amount of {$54.00}. I have gone back through all the banking transactions on the account and was never credited any amount for this dispute from Money Lion.

On XX/XX/year>XXXX  Money Lion removed {$54.00} from my account. When I contacted them to ask why, they stated in the customer service chat it was for the provisional credit on the transaction dispute. This credit was never given nor it is noted anywhere on banking statements. 

I then called Money Lion to explain this and they said they will find out if they can give it back because they show no credit on the account either. They then stated I might have to wait 3 to 5 days for an answer. 

Money Lion has stolen money out of my account and has not given it back and could not provide any documentation on an credits for the amount taken out.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Early Warning Services, LLC
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX  account theyre telling me that my account is restricted due to this situation and I have been having so much trouble what happened was my identity was stolen years back and this is not my fault so this needs to be removed so i can have a bank account with no issues this is ridiculous and very stressful this needs to be disputed and taken off my reporting i reported to this bank on purpose to help my identity but now 2 years later this is messing up my life and making more problems for me so please take off this restriction or whenever that needs to be taken off my name because this is not fair for me to have to deal with this over what happened to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Filo Mortgage, L.L.C.
State: TN

Complaint narrative:
The home was originally scheduled to close on XX/XX/year>. I worked with FILO Mortgage, and initially, the process went smoothlythe loan officer was responsive and helpful. 

FILO requested two appraisals. The first appraisal was ordered and paid for on XX/XX/year>. The report, dated XX/XX/year>, mentioned that the utilities were not turned on. It also included photos of a hole in the ceiling and standing water in the living room ( which the seller 's agent said was due to a rainstorm and a window not closing properly ). However, this report did not state that the ceiling needed to be repaired as a condition for loan approval. 

A second appraisal was ordered and paid for on XX/XX/year>. I received the final appraisal report on XX/XX/year>, and the lender received it a few days earlier. This second report also did not include any repair conditions related to the ceiling or water damage. 

Despite having the final report for several days, FILO Mortgage did not raise any issues. Then, on the day of closing ( XX/XX/year> ), they suddenly informed me that the underwriter was not approving the loan due to the ceiling and requested that it be repaired and leakage investigated. Since this was also the final day of my rate lock, I was charged {$830.00} to extend the lock for one more week. 

I reached out to the loan officer to request that the fee be waived, since the delay was due to their lack of actionnot minebut I never received any response. 

The loan eventually closed, and the servicing was transferred to XXXX. However, I believe this {$830.00} lock extension fee was charged unfairly due to the lenders internal delays and failure to act on appraisal information they had for days before closing. 

I am requesting a refund of this lock extension fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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 am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: FL

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

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ACCOUNTS : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$590.00}

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 2025-06-24 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX INQUIRIES : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-06-24 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: IL

Complaint narrative:
I am writing to formally dispute the inaccuracies reflected on my credit reports. These errors have had a direct negative impact on my financial opportunities, including multiple denials of credit. As a data furnisher and credit reporting agency, you are legally obligated under the Fair Credit Reporting Act ( FCRA ) to ensure the information you report is complete and accurate. I respectfully request that you thoroughly investigate the accounts and inquiries in question, make the necessary corrections, and update my credit report accordingly. Prompt action on this matter is expected to prevent any further harm or the need for legal escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
All three credit reporting agenciesXXXX, TransUnion, and XXXX currently reporting a repossession from XXXX XXXX XXXX under account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a date listed as XX/XX/year>. I am disputing this account on the grounds that it is inaccurate, incomplete, and unverifiable. 

This item is significantly damaging to my credit report, and I have previously requested verification under the Fair Credit Reporting Act ( FCRA ), specifically under Section 609 ( a ) ( 1 ) and Section 611 ( a ). Despite these requests, none of the credit bureaus have provided documentation such as a contract, proof of default, or an accurate accounting of payments that substantiates this repossession.

XXXX XXXX XXXX has also failed to furnish clear evidence that this repossession occurred in accordance with legal requirements or that proper notifications were sent. There are discrepancies in how this item is reported across the three credit bureaus, suggesting poor data integrity and lack of proper investigation on their part. 

Additionally, there is no indication that a proper deficiency balance was calculated or disclosed after the alleged repossession, as required under state and federal consumer credit laws.

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 2025-06-24 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: IL

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-06-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: HI

Complaint narrative:
I opened an account with Truist bank where they offered a bonus of {$400.00} for opening the account and making specific amounts of direct deposits over a period of time. I met all of the requirements for the bonus and never received the bonus. I received an email stating that the account was closed, however the account is actively open and has not been closed. I reached out to their customer service department to address the issue and was told that it was escalated for investigation back on XX/XX/year>. I called again today and the issue has still not been resolved. I would like to receive the agreed upon bonus deposited into my account.

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