vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-25 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: Regional Management Corporation
State: TX

Complaint narrative:
On my XXXX  credit file, there are XXXX unauthorized and unlawful hard inquiries : RFC XXXX XXXX Date : XX/XX/XXXX. I was explicitly told this would be a soft pull, not a hard inquiry. Misrepresenting a soft inquiry as a hard pull is deceptive and violates the Fair Credit Reporting Act ( FCRA ). I have no legally binding account or relationship with this entity. 
XXXX XXXX XXXX Date : XX/XX/XXXX. I do not recognize this company, have no connection or contracts with them, and never authorized this inquiry. It has been reporting on my file for almost a year and is negatively impacting my credit scores. 
Both inquiries are illegal and unfair because they lack a permissible purpose under 15 U.S.C. 1681b. They are also unverifiable, making their continued reporting a violation of FCRA 1681e ( b ), 1681i, and 1681s-2 ( a ).

I demand XXXX  immediately conduct a reinvestigation, delete both inquiries if proper authorization can not be produced, and confirm deletion in writing. Allowing these unverifiable inquiries to remain is unlawful and subjects XXXX  and the furnishers to liability under FCRA XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt collection item was originally from cXXXX XXXX. I disputed the account not being mines, and provided proof and it was removed. Now months later this debt collection is seeking to collect on that same debt that was removed from my report because it wasn't mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: OR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: OR

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is completeandaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am permanently banned from banking with Chase Bank, with no explanation or documentation provided. This appears to stem from suspected fraud tied to an account I opened as a minor in high school ( XXXX ). I was the victim of identity theft, not the perpetrator, yet I am facing a lifetime ban as a customer. Despite multiple attempts to resolve this, Chase has refused to provide transparency or due process. I am requesting that the CFPB investigate Chases handling of this matter and require the bank to conduct a proper internal review. Timeline of Events XXXX ( XXXX, TX ) : I opened a Chase high school account with my mothers help, which later transitioned into a college account. Around XXXX, fraudulent activity occurred ( likely check fraud/identity misuse ). The account was closed in early XXXX. 
XXXX ( XXXX, TX ) : I went to Chase to reestablish my relationship. I was approved for a checking account, received a debit card in the mail, and set up online banking. Within 23 days, my account access was shut down. When I called Chase, I was told I was banned, but no explanation was given. I left the matter unresolved because I did not understand how to handle it at the time. 
XX/XX/XXXX XXXX XXXX XXXX, AZ ) : I went to the Chase branch at XXXX XXXX XXXX XXXX, XXXX XXXX, AZ XXXX and worked with a banker named XXXX to open a new account. The account was approved pending online access, but Chases system flagged suspicious activity. XXXX informed me I was permanently banned for life. 
I then called customer service ( XXXX ) and spoke with a representative named XXXX, who was dismissive and refused to provide any information. 
I later visited the XXXX XXXX branch ( XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, AZ XXXX ) and met with Branch Manager XXXX. He confirmed my original account was opened around XXXX and closed in XXXX, but he could not explain or resolve the lifetime ban. 
I have asked JPMorgan Chase multiple times for the following, but have received no response : XXXX. Copies of any internal account records, notes, or reports related to my original accounts ( XXXX ) and the reason for closure. 
XXXX. Documentation of any alleged fraudulent activity linked to my name or accounts during that timeframe. 
XXXX. Records of my attempt in XXXX to reestablish my relationship with Chase, including the checking account I opened, the debit card I received, and the sudden closure 23 days later with no explanation. If JP Morgan Chase suspected fraudulent activity on my accounts, I request documentation of any police involvement, legal filings, or regulatory reports related to the matter. As a customer, I question why a bank would impose a lifetime ban for alleged fraud yet never involve law enforcement if such activity truly occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
Since XX/XX/year>, we as the homeowners and borrowers have endured repeated delays, duplicative document requests, and contradictory communication from PennyMac regarding our VA short sale. Despite escalating multiple times to supervisors and even to the VA itself, PennyMac has still failed to issue approval.

Our buyers offer nets PennyMac {$500000.00}, which is {$24000.00} above the minimum acceptable payoff of {$480000.00} confirmed by both PennyMac and the VA. The VA has already stated they see no reason this file should be denied.

PennyMac stated after 20 days of having the offer from our buyers for our home that seller concessions must be reduced to 1 %, even though VA guidelines allow up to 4 % seller concessions and FHA guidelines allow up to 6 %. 
On a recorded call, supervisor XXXX XXXX assured us the file would be escalated and we would receive a callback the same day. That call never came, leaving us once again in limbo. 
I believe I have been discriminated against by PennyMacs representative, XXXX XXXX, due to being a XXXX man. I believe these delays were intentional, in direct violation of the XXXX XXXX XXXX XXXX. 




The consequences of these delays are devastating. This short sale involves not just financial numbers on a page it is the livelihood and stability of multiple families. The buyers, first-time homeowners with XXXX small children, have already ended their lease and packed their belongings. They are now facing displacement and possible homelessness. As the sellers, we too have vacated our home and begun relocating, leaving us in a state of uncertainty and hardship. To make matters worse, XXXX of us is a XXXX VA veteran, who served this country and now faces the very real prospect of foreclosure and financial ruin because of PennyMacs failures to act in good faith.

We respectfully request that the CFPB require PennyMac to immediately issue short sale approval so that this transaction can close by the contractual deadline of XX/XX/year>, preventing further harm to these families who simply want a safe place to call home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My personal information was stolen and someone opened an account fraudulently with American Express and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Relay Financial (US), Corp.

Complaint narrative:
On XX/XX/year>, my company ( XXXX XXXX XXXX ) submitted a formal complaint to Relay Financial because our account was suddenly restricted without justification, leaving USD XXXX blocked. 

From XX/XX/XXXX to XX/XX/year>, Relay repeatedly stated they were " awaiting an update '' from their international wire partner, The Currency Cloud Limited ( XXXX ), but never provided a written explanation or resolution. 

Here is the key clarification : The XXXX assigned to XXXX XXXX XXXX ( as shown in the attached account statements ) was issued by XXXX, which is the regulated institution that issues and operates the XXXX infrastructure. 

Relay Financial only provides the front-end interface, but the actual IBAN and XXXX of funds are under XXXX. 

On XX/XX/year>, the deadline of XXXX business days under Relays own complaint policy expired without any final written response. 

On XX/XX/year>, XXXX itself confirmed in writing that the payment of USD XXXX had been successfully deposited into the account, with settlement reference XXXX. Despite this, XXXX still shows the balance in my dashboard but continues to block any withdrawals or transfers. 

Therefore, the situation is that : - XXXX confirms the funds are there and not frozen. 

- Relay is the one unlawfully restricting access and preventing disbursement. 


I have repeatedly requested : - Written explanation for the freeze - Legal/regulatory basis for holding the funds - Immediate release or transfer of the balance As of today, the balance of USD XXXX is still visible inside my Relay account under the following bank details provided by Relay : Account number XXXX, Routing number XXXX, Bank name XXXX XXXX XXXX XXXX Bank address XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX, XXXX Name : XXXX XXXX XXXX XXXX Despite the funds being clearly shown as available under XXXX Banks details, Relay continues to block any withdrawal or transfer. 


This has caused severe operational harm, reputational damage, and cashflow problems for my business. I have repeatedly requested a legal explanation and immediate release of the funds, but none has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENNYMAC LOAN SERVICES, LLC.
State: IL

Complaint narrative:
the late payment reporting on my mortgage account. My credit report is currently showing late payments for XXXX and XXXX, which is inaccurate. 

When I obtained my mortgage, I was given the option to choose between the XXXX and the XXXX of each month for my mortgage due date. I picked the XXXX. I was specifically told that my payment would not be considered late until after the XXXX. I have never been late on my mortgage. 

In XXXX, I spoke with a representative regarding this same issue and was assured the error would be corrected, but it is still showing incorrectly on my credit report. Now, as of today, XX/XX/XXXX, my mortgage has once again been reported as lateeven though it is not due until after the XXXX. 

This error is damaging to my credit history and needs to be corrected Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: MO

Complaint narrative:
I have disputed with the credit bureau EASTERN ACCOUNT SYSTEM INC the balance of XXXX dollars of XX/XX/year> reporting date. The total balance was XXXX but i was eligible for a discount of the XXXX dollars and i have paid it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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: NY

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I AM ASKING FOR THE PERMANENT REMOVAL OF THE FRAUDULENT HARD INQUIRIES SHOWN ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE INQUIRIES, AND THEY WERE MADE WITHOUT MY KNOWLEDGE, WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FAIR CREDIT REPORTING ACT. TO SUPPORT MY REQUEST, I HAVE ATTACHED DOCUMENTS, INCLUDING AN FTC IDENTITY THEFT REPORT. I KINDLY REQUEST THAT THESE UNAUTHORIZED INQUIRIES BE DELETED IMMEDIATELY TO AVOID FURTHER DAMAGE TO MY CREDIT. IF THIS ISSUE IS NOT RESOLVED, I MAY BE FORCED TO TAKE FURTHER ACTION.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: NV

Complaint narrative:
I requested validation of this alleged debt under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ). The creditor/collector has not provided any supporting documentation proving that I am legally responsible for this debt ( such as a signed contract, account statements, or proof of ownership of the debt ). Reporting this account to the credit bureaus without proper validation is inaccurate and harmful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: EdFinancial Services
State: SC

Complaint narrative:
I attended XXXX University back in XXXX. My federal student loans was paid directly to the XXXX. I never saw a check. I was doing online classes. So due to certain circumstances I had to stop attending. Now they are still trying to make me pay for money I never seen. The money went straight to the University. This has been very stressful, irritating, and also reckon my nerves. I believe I'm due compensation. The name of the company is Ed Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-25 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 filing this dispute because fraudulent and inaccurate accounts are being reported on my credit file. I never opened or authorized these accounts, and I was never informed of their addition. The fact that the bureaus are reporting conflicting details makes this even more concerning. This violates the FCRA, 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy of reported information.

This situation also violates 15 U.S.C. 1681i, which requires that disputed accounts be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which requires accurate and complete disclosures to the consumer.

Company response to consumer: Closed with non-monetary relief