vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experians inaction violates federal law and my rights as a consumer. 

XXXX XXXXXXXX XXXX  2021 {$1200.00}

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 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
have sent severals letters to creditor and credit reporting agency and havent receivied the information requested

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 2025-04-20 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX Account name : XXXX, Account name : XXXXXXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXXXXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX  XXXX Account name : XXXX XXXXXXXX XXXX XXXX XXXX Account name : XXXX has XXXX XXXX XXXX. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any con
sumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( 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.

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 2025-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
To Whom It May Concern, Your XXXX XXXX, 2025 response fails to address the core issue : XXXX is financially incentivized to create escrow accounts at the earliest opportunity and has done so here in a way that is both excessive and unjustified. This move appears less about managing risk and more about leveraging client funds for institutional gainvia float, control of disbursements, and inflated escrow calculations. 

Let me be clear : I already secured and paid for insurance through XXXX XXXX, 2025, as shown in the attached confirmation of the {$1100.00} payment to XXXX XXXX. This covers the property at XXXX XXXX Pl for the full renewal term. 
Despite this, XXXX escalated my monthly payment from {$1200.00} to XXXX XXXXXXXX increase of XXXX XXXX attributed solely to insurance. Thats over {$3200.00} in annual excess collection for a policy I already paid in full. 
Worse still, XXXX failed to make the next premium payment on my behalf. I did. And Ive attached clear proof of payment. 
This means XXXX  is holding thousands of dollars in escrow unnecessarily and without justification. These funds are not serving their stated purpose and instead represent forced overcollection for institutional benefit. 
Lets not ignore the reality : escrow accounts are valuable to banks. They allow institutions like XXXX to : Earn interest on held balances ( float ), Leverage funds before disbursement, Charge administrative fees, and Strengthen liquidity and balance sheet metrics. 
By inflating the escrow amount while not actually performing the associated obligation ( paying the premium ), XXXX is effectively holding my money hostage. This is not risk managementit is an abuse of control under the pretext of compliance. 

Furthermore, your claim that " there was no error '' ignores the fact that the escrow analysis should have reflected the paid-in-full policy. Instead, the inflated escrow amount was calculated as if the insurance were unpaid, which is factually incorrect. That miscalculation alone warrants reconsideration and correction of the escrow adjustment. 

I expect the following actions : Immediate correction of the escrow account to reflect the already-paid insurance. 
Refund or reapplication of excess funds held in escrow that are not necessary. 
Written confirmation that future escrow payments will be reduced accordingly. 
XXXX justification falls short when viewed alongside the evidence. You are not protecting the propertyyou are profiting from misclassified funds. 

If these issues are not resolved promptly, I will consider escalating this matter further, including state-level regulatory complaints, and formal legal review. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report These inquiries were not authorized by me, and I did not apply for any credit/services with these entities. 

This situation is especially alarming given that I was directly impacted by the XXXX Equifax data breach ( documentation attached for reference ). Additionally, I have concerns about potential vulnerabilities from the TransUnion data breach reported in [ year, if applicable ]. These breaches likely contributed to the fraudulent activity now impacting my credit profile. 

Requested Actions : Immediately remove all unrecognized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXP XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX FIN XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Investigate how these inquiries were initiated without my consent, particularly in light of the aforementioned breaches. 

I have attached documentation confirming my involvement in the Equifax breach and other relevant evidence. Please advise if further information is needed to expedite this process. 

Thank you for prioritizing this urgent matter. I trust you will resolve this promptly to mitigate further harm to my creditworthiness. 

Best regards,

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 2025-04-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute unauthorized hard inquiries on my credit report These inquiries were not authorized by me, and I did not apply for any credit/services with these entities. 

This situation is especially alarming given that I was directly impacted by the XXXX Equifax data breach ( documentation attached for reference ). Additionally, I have concerns about potential vulnerabilities from the TransUnion data breach reported in [ year, if applicable ]. These breaches likely contributed to the fraudulent activity now impacting my credit profile. 

Requested Actions : Immediately remove all unrecognized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXP XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX FIN XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Investigate how these inquiries were initiated without my consent, particularly in light of the aforementioned breaches. 

I have attached documentation confirming my involvement in the Equifax breach and other relevant evidence. Please advise if further information is needed to expedite this process. 

Thank you for prioritizing this urgent matter. I trust you will resolve this promptly to mitigate further harm to my creditworthiness. 

Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: NEW YORK COMMUNITY BANCORP INC
State: CA

Complaint narrative:
XXXX XXXX has sent numerous notices for servicing a " new loan '' that does not exist. The loan they are referencing was paid off in 2023. XXXX XXXX  is currently sending me random bills that say I owe {$270.00} ( payment of {$75.00} for XXXX ) -- I have no idea what this could be in regard to. My mortgage is currently paid through XXXX. This bank has really gone downhill, and I've had serious billing issues with them in the past. Deplorable.

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 2025-04-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I have a side hustle from which I have a licensed and insured trade. Everytime I make a deposit they hold my funds. Usually before a holiday or a weekend and it extends beyond 10 PHYSICAL days. I need access to my money. In over twenty years Ive never had an issue with bad checks. Clients have told me their funds were withdrawn but my money is still delayed. Please make Wells Fargo decease holding my money. Thank you.

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 2025-04-20 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: MO

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiries nor to view my consumer report. In addition, I did not give any permission to furnish such information onto my report. This is a violation of Fair Credit Report ACT Section 1681b ( c ) as fraud & breach of my privacy. 
Inquiries that's not authorized. 

XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/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 non-monetary relief
Consumer complaint received 2025-04-20 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: GA

Complaint narrative:
XXXX  I looked at my account on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below XXXX I looked at my account on XXXX XXXX  XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I Sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXXXXXX date last active not reporting correct shows date of being opened as XX/XX/XXXX Shows high credit of XXXX and last report date of XX/XX/XXXX date for last activity for transunion. XXXX  also shows last report date of XX/XX/XXXX date opened is XX/XX/XXXX and the incorrect account number as well shows account number XXXX and last date of activity XX/XX/XXXXXXXX XXXX shows last date of activity XXXXand last payment XX/XX/XXXX last reported XX/XX/XXXX XXXXI am asking you to reinvestigate this account XXXX XXXX XXXXXXXX * * * * Account I have gotten the investigation back but nothing was modified or updated on the account So i requested a description of the reinvestigation and they did not provide it to me which is a violation of 15 USC 1681I7 They also violated 15 USC 168I ( 5 ) Can you look into this matter.

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 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/year>, I sent a negotiable instrument in the amount of {$1000.00} to XXXX XXXX along with a letter citing UCC 3-104 and 3-603 ( a ), requesting they apply it as full payment or respond with a lawful reason for refusal. They responded on XX/XX/year>, refusing to honor the instrument based only on internal policy and not on any statutory or commercial law. The account is still showing as past due on my credit report, despite my lawful attempt to discharge it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: GA

Complaint narrative:
I am filing this complaint because a debt collection account placed by Credence Resource Management is being reported inaccurately, and Credence failed to validate the debt upon my request. 

On or around [ Insert the date you sent your validation letter ], I sent a formal written debt validation request to Credence Resource Management, concerning an alleged XXXX XXXX XXXX  debt in the amount of {$1100.00}. This request was made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g.

Credence Resource Management failed to respond with proper validation of the debt within the 30-day period. Despite their failure to validate, they continued collection activity by reporting this alleged debt to XXXX, which is a violation of the FDCPA. 

Additionally, XXXX  reporting shows that the account is past due as of XX/XX/year>. This is a future date and not possible, thus constituting inaccurate and misleading credit reporting, which violates the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681e ( b ) and 1681i ( a ). 

I disputed the information with XXXX  in XX/XX/year>. However, XXXX  simply updated the information based on Credences reporting, without conducting a reasonable investigation as required by law. 

To date, Credence Resource Management has still failed to provide the legally required validation, and XXXX  continues to report inaccurate information about this account. 

This inaccurate reporting is harming my credit standing unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Bank decided to close all my accounts XXXX years ago after I paid off my late payments on one credit card. 
Then, at some point, I've started noticing emails coming from Chase Bank with my credit report, but I don't have any kind of business with them. Each time Chase Bank pulls out my credit report it affects my credit score for, at least, XXXX point. 
Today, finally, I was able to contact customer service and a lady transferred me to some other local ( I think it's called a XXXX XXXX ), but they are closed. 
They made it very hard, or nearly impossible to go through their system, because I'm not a customer anymore. I don't know how to resolve this matter. Simply, want them to stop any kind of business with me, because we don't have any business whatsoever.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Equifax and Transunion placed a 2 debt accounts on my credit report without the proper documentations between my person and the company that claim that I have a debt with them. 

I already requested Signed contract between my person and XXXX XXXX XXXX and Equifax and Transunion are refusing to send me those signed contracts or agreements. 

They are violation my consumer right and are just posting accounts on my reports without any valid documentation that are required by the CFPB. 

FOR SURE I KNOW THEIR IS NO SIGNED CONTRACT BETWEEN MY PERSON AND XXXX XXXX XXXX, I DO NOT OWN THIS COMPANY ANY SUM OF MONEY

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 2025-04-20 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX XXXX XXXX XX/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 2025-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I am writing to dispute a derogatory entry that appears on my credit report associated with Capital One via Dealer, located at XXXX XXXX XXXX, XXXX, TX. This account is currently reporting as a charge-off and includes remarks such as Charged off as bad debt and Dispute resolved ; reported by grantor. 

This account was not authorized by me and may have resulted from fraudulent activity or misuse of my personal information. I request that this tradeline be immediately removed under the Fair Credit Reporting Act ( FCRA ) due to the following : Lack of verified authorization and proper investigation. 

Potential identity theft as my information was compromised in a data breach. 

FCRA Section 605B allows for blocking of fraudulent accounts. 

FCRA Section 609 ( e ) obligates you to provide valid documentation proving the accounts legitimacy. 

Please delete this item from all credit bureaus and confirm removal in writing.

Company response to consumer: Closed with explanation