vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Re : DEPT OF EDUCATIONXXXX Acct. # XXXXXXXXXXXX XXXX XXXX XXXX XXXX Notice to Agent is Notice to Principal ; Notice to Principal is Notice to Agent. 
This letter responds to your unlawful refusal to acknowledge my rights under federal law and your continued improper reporting of my student loan account to the Consumer Reporting Agencies ( CRAs ).

Violations of Federal Law and Misleading Claims Your response incorrectly suggests that I may not opt-out of having my private information reported. This is a gross misinterpretation of the law.

The term may as stated in 15 USC 6802 ( b ) provides me, as the consumer, the option to exercise my right to opt-out at any time. The law does not mandate or require that I must have done so prior to your reporting rather, it explicitly grants me the right to opt out whenever I decide.

Legal Basis for My Demand 1. Fair Credit Reporting Act ( FCRA ) 15 USC 1681b You reported my private information to non-affiliated third parties ( Experian, XXXX, and XXXX  ) without my express written consent or permissible purpose.

This is a direct violation of 15 USC 1681b.

2. Gramm-Leach-Bliley Act ( GLBA ) 15 USC 6801 and 6802 Under 15 USC 6802 ( b ), you are required to provide me with clear and conspicuous notice regarding my right to opt-out before disclosing my non-public personal information.

As I did not receive this notice and you failed to provide me an opportunity to opt out, your actions are unlawful.

3. Identity Theft and Unauthorized Use of Information 18 USC 1028A By continuing to furnish my private information without my consent, you are knowingly transferring, possessing, or using my identification information without lawful authority this constitutes aggravated identity theft under 18 USC 1028A.

4. Civil Liability for Willful Noncompliance 15 USC 1681n Your refusal to delete this account after my lawful request places you in violation of 15 USC 1681n, which subjects you to statutory damages of up to {$1000.00} per violation, plus punitive damages and attorney fees.

Disputed Late Payments In addition, I specifically dispute all reported late payments, including but not limited to : Date Last Active / Date of Last Payment Entries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Reported Delinquency Statuses : o Was 90 Days Late ( 0607 Times ) o Was 120 Days Late ( 0607 Times ) These entries are incomplete, inaccurate, and unverifiable because the reports fail to show the required sequential 30-day and 60-day lates preceding the 90/120-day designations, in direct violation of Metro 2 standards and FCRA 607 ( b ) ( reasonable procedures to assure maximum possible accuracy ).

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 2025-09-24 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: FL

Complaint narrative:
I did not open his accounts please remove immediately

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 2025-09-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
I ask to properly verify debt according to Texas Laws. If this is a collection agency I cam requesting that name and address of the original creditor, the original date of default or non-payment of the debt was transferred from the original creditor to the third party debt collection, the debtor, and the signatures showing I am liable and responsible for this debt including the current balance and any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust 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 explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-09-24 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I am writing to formally dispute the late payment entries on my credit report. Despite multiple attempts to have these errors reviewed and corrected, no meaningful action has been taken. I have submitted all necessary documentation and followed up repeatedly, yet the inaccuracies remain unresolved.

These ongoing issues have caused financial hardship and negatively impacted both my credit and overall well-being. The process of addressing these errors has been frustrating and emotionally taxing.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my financial history, including the correction or removal of outdated, incorrect, or unverifiable information. I am therefore requesting that your office take immediate action to update or remove the disputed late payment entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: GA

Complaint narrative:
On or about XX/XX/year>, I received a call from XXXX XXXX who identified himself as an agent for Freedom Mortgage working to provide me a loan mortification program. He advised saying my mortgage account had been suspended pending a loan modification contract. I further followed his notice as attached and went to XXXX XXXX XXXX department and paid {$1400.00} on my alleged " escrow '' account. Without discerning any issue I had my wife use her debit card with XXXX XXXX XXXX XXXX because at the time I was awaiting a new card from my financial institution. On or about XX/XX/year>, XXXX XXXX contacted me again and referenced the same procedure for paying another {$1400.00} and that I could split the payments and make two separate fees in which I did and further inquired how many more payments must I make before receiving the loan modification documents to sign and the thereafter contract. XXXX XXXX told me that I would need to make two more payments. I then became ( in hindsight, I should have contacted my lender to ensure my account was suspended ) suspicious and later contacted my lender and learned that I may have been scammed because my account was not suspended. As a result my lender reported me over 30 days late in making my mortgage payments.

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 2025-09-24 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: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Re : Request for Account Information Account Number : SANTANDER  XXXX XXXX - XXXX Whom It May Concern I am writing to formally request a complete record of the following information regarding the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws : 1. Date the account was opened 2. Date the account was closed ( if applicable ) 3. Date the account was sold or transferred ( if applicable ) 4. Date the account was charged-off ( if applicable ) 5. Date of first delinquency reported 6. Date of last payment received 7. Current balance and balance at the time of charge-off ( if applicable )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I, XXXX XXXX XXXX, am filing this complaint with the Consumer Financial Protection Bureau regarding multiple unauthorized credit inquiries that have appeared on my Experian and TransUnion credit reports between XXXX and XXXX. These inquiries were made without my knowledge, authorization, or any permissible purpose as required under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit reports, I identified entries from several companies, including 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  , and others. At no point did I grant authorization or provide consent for these entities to access my credit file, and I have repeatedly disputed these inquiries in writing with both Experian and TransUnion. To date, neither the credit bureaus nor the furnishers have provided valid documentation, such as a signed application, proving a permissible purpose for these inquiries.

This conduct is a direct violation of FCRA Section 604 ( 15 U.S.C. 1681b ), which requires that a credit inquiry be supported by a permissible purpose, as well as Section 611 and 1681i, which obligates the credit bureaus to conduct a reasonable reinvestigation of disputes. Their failure to remove unverifiable inquiries constitutes willful disregard of my consumer rights. Furthermore, continued reporting of these inquiries has resulted in harm, including defamation of character, lowering of my credit scores, misrepresentation of my financial activity, invasion of privacy, and significant emotional distress. These unauthorized inquiries have also jeopardized my creditworthiness and caused unnecessary obstacles in accessing fair credit opportunities.

I respectfully request that the CFPB investigate Experian and TransUnions handling of my disputes and their compliance with federal law. I ask that the CFPB compel the permanent deletion of all unauthorized inquiries from my credit reports unless the furnishers can produce proper documentation proving permissible purpose. I also request that I be provided with updated, corrected credit reports free of these inquiries, along with appropriate enforcement action and penalties against the bureaus and furnishers for willful noncompliance. I am seeking relief to ensure that my credit profile accurately reflects my true financial history, free from false or unauthorized reporting, and that my rights as a consumer under federal law are fully protected.

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 2025-09-24 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: MD

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

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 on my XXXX XXXX  account [ XXXX ]. 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 2025-09-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I placed a Custom Sell Order for XXXX BTC in my Cash App account. The app showed those funds as pending. 

On XX/XX/year>, I canceled the Custom Sell Order. No Bitcoin or USD was removed from my wallet at that point. 

Immediately after canceling, I executed a Market Sell for the same amount. Cash App support later told me that this market trade settled immediately and credited {$17.00} USD to my account, leaving my USD balance at {$19.00}. 

Here are the issues : My available balance did not reflect those transactions the way support claimed. 

I asked for a full ledger breakdown ( before the Custom Sell Order, during the pending state, after cancellation, and after the market order ). Cash App refused to provide this. 

I received contradictory explanations from multiple support agents : One said Custom Orders do not reserve funds.

Another said Custom Orders do reserve funds but release them when canceled.

Neither explanation matched what I saw in my account.

Other customers have publicly reported the same problem : balances not updating properly after canceling Custom Sell Orders.

Finally, Cash App closed my case saying they hadnt heard from me in 3 days even though I had replied every day.

Cash App has not provided a consistent or accurate explanation, and they closed my complaint without resolving the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
I requested cancellation of my XXXX XXXX XXXX ( XXXX  ) after receiving an appraisal that was ordered directly by Chase in XX/XX/year> showing my homes value well above the required loan-to-value threshold. 

Timeline of Events : XX/XX/year> : Submitted formal PMI cancellation request after receiving the appraisal. 

XX/XX/year> : Spoke with company representatives ; a work order was created to retroactively remove XXXX  effective XX/XX/year>. I was told I would receive an update on XX/XX/year>, but received no contact. 

XX/XX/year> : Called to follow up; was told the request was in review. 

XX/XX/year> : Despite repeated follow-ups, I have received no confirmation or response, and XXXX  continues to be charged. 

Amounts / Balances : Current principal balance is approximately 46.6 % of the homes value, below the statutory threshold for XXXX. 

XXXX  has been improperly collected since XX/XX/year>. 

Actions Taken : Formally requested XXXX  cancellation. 

Followed up multiple times with representatives, including phone calls and work order inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted Experian by phone XX/XX/year> at XXXX and spoke with XXXX to dispute inaccurate personal information on my credit file. Specifically, my report lists an address and employer that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information directly with the credit bureau. 

However, the Experian representative told me that I could not submit a dispute and that I had to contact the lender directly. This is incorrect and inconsistent with the FCRA, which requires the credit reporting agency to conduct a reasonable reinvestigation and contact the furnisher of the information on my behalf. 

I believe Experian has failed to comply with its obligations under the FCRA by refusing to open my dispute. 

What I want : Experian to immediately open and process my dispute as required by FCRA 611. 
Removal of the inaccurate personal information ( incorrect address and incorrect employer ) from my credit report. 
Written confirmation of the results of the reinvestigation and an updated copy of my credit report. 
Report 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 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I contacted Experian by phone XX/XX/year> at XXXX and spoke with XXXX to dispute inaccurate personal information on my credit file. Specifically, my report lists an address and employer that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information directly with the credit bureau. 

However, the Experian representative told me that I could not submit a dispute and that I had to contact the lender directly. This is incorrect and inconsistent with the FCRA, which requires the credit reporting agency to conduct a reasonable reinvestigation and contact the furnisher of the information on my behalf. 

I believe Experian has failed to comply with its obligations under the FCRA by refusing to open my dispute. 

What I want : Experian to immediately open and process my dispute as required by FCRA 611. 
Removal of the inaccurate personal information ( incorrect address and incorrect employer ) from my credit report. 
Written confirmation of the results of the reinvestigation and an updated copy of my credit report. 
Report XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted Experian by phone XX/XX/year> at XXXX and spoke with XXXX to dispute inaccurate personal information on my credit file. Specifically, my report lists an address and employer that do not belong to me. Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681i ), I have the right to dispute inaccurate information directly with the credit bureau. 

However, the Experian representative told me that I could not submit a dispute and that I had to contact the lender directly. This is incorrect and inconsistent with the FCRA, which requires the credit reporting agency to conduct a reasonable reinvestigation and contact the furnisher of the information on my behalf. 

I believe Experian has failed to comply with its obligations under the FCRA by refusing to open my dispute. 

What I want : Experian to immediately open and process my dispute as required by FCRA 611. 
Removal of the inaccurate personal information ( incorrect address and incorrect employer ) from my credit report. 
Written confirmation of the results of the reinvestigation and an updated copy of my credit report. 
Report 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 non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Global Trust Management LLC
State: KS

Complaint narrative:
Continually calling myself and family members. They are calling up to XXXX  times a day, every day sometimes as early as XXXX and as late as XXXX. 
I've asked for proof of debt and that they cease and desist from contacting myself and or anyone I'm associated with. 
I've sent this request in via their website dispute form.

Company response to consumer: Closed with explanation