vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their reckless and unlawful reporting of several inaccurate and inconsistent tradelines. 

The accounts in question are : XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX XXXX XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX XXXX  XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Account # ending in XXXX ( Reported XXXX XXXX ) Each credit bureau is displaying different balances, payment histories, and charge-off statuses for the same accounts. These inconsistencies directly violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and established case law. 
Experian, Equifax, and TransUnion have violated 15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to ensure maximum possible accuracy. This is supported by the precedent Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ). Reporting conflicting information across bureaus proves a lack of proper procedures.

The furnishers ( CBNA, Credit One Bank NA, and JPMCB ) have also violated 15 U.S.C. 1681s-2 ( b ) by verifying these accounts without conducting a reasonable investigation after receiving my disputes. This is supported by Johnson v. MBNA America Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ). If the data among the bureaus remains inconsistent, the investigation was not reasonable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for their reckless and unlawful reporting of several inaccurate and inconsistent tradelines. 

The accounts in question are : XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX XXXX XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX XXXX  XXXX Account # ending in XXXX ( Reported XXXX XXXX ) XXXX XXXX Account # ending in XXXX ( Reported XXXX XXXX ) Each credit bureau is displaying different balances, payment histories, and charge-off statuses for the same accounts. These inconsistencies directly violate multiple provisions of the Fair Credit Reporting Act ( FCRA ) and established case law. 
Experian, Equifax, and TransUnion have violated 15 U.S.C. 1681e ( b ) by failing to maintain reasonable procedures to ensure maximum possible accuracy. This is supported by the precedent Cushman v. TransUnion Corp., 115 F.3d 220 ( 3d Cir. 1997 ). Reporting conflicting information across bureaus proves a lack of proper procedures.

The furnishers ( CBNA, Credit One Bank NA, and JPMCB ) have also violated 15 U.S.C. 1681s-2 ( b ) by verifying these accounts without conducting a reasonable investigation after receiving my disputes. This is supported by Johnson v. MBNA America Bank, N.A., 357 F.3d 426 ( 4th Cir. 2004 ). If the data among the bureaus remains inconsistent, the investigation was not reasonable.

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 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: MOHELA
State: PA

Complaint narrative:
I have been trying to contact Mohela since XX/XX/year> to see if there was any options to lower my monthly payments due to me lack of income and it has been a constant XXXX getting in touch with a live person. Now, my account is in default which has XXXX  me completely off.

Company response to consumer: In progress
Consumer complaint received 2025-10-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI

Complaint narrative:
I filed XXXX disputes with Citizens Bank for fraudulent charges made by XXXX XXXX XXXX on my Citizens debit card ( claim numbers XXXX and XXXX ) XXXX The first claim was partially credited for {$73.00}, while the remainder of the transactions were denied without consistent reasoning. 

I appealed the decision and submitted supporting documentation, including screenshots of the charges, the denial letter showing incomplete investigation details, and information confirming that XXXX is the subject of an ongoing federal class-action lawsuit ( Pandolfi v. XXXX, XXXX XXXX XXXX XXXX. XXXX ) for deceptive and fraudulent practices. 

Citizens Bank denied my appeal again without providing copies of the merchant documentation that they relied on, even after I formally requested them. Under Regulation E ( 12 CFR 1005.11 ), the bank is required to provide this documentation upon request and conduct a reasonable reinvestigation of the disputed transactions.

The inconsistent handling of these two related claims and Citizens refusal to provide the merchant evidence suggests that the investigation was incomplete and non-compliant with Regulation E. 

What I am requesting : I am asking the CFPB to have Citizens Bank reopen and properly reinvestigate both claims, provide the merchant documentation relied upon in their decision, and issue a full refund for the unauthorized XXXX transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
On XX/XX/year>, I received a letter from Monterey Financial Services in response to my Debt Validation Request concerning an alleged account related to XXXX XXXX. In that letter, Monterey admitted that they were hired to handle the account on behalf of XXXX XXXX, which clearly confirms they are not the legal owner of the debt. 

Despite my formal written request under FDCPA 809 ( b ) for full validation, Monterey failed to provide : A Bill of Sale or assignment agreement showing legal transfer of the debt ; A complete accounting or payment history explaining how the alleged balance of {$13000.00} was calculated ; Any evidence bearing my signature showing liability for the debt ; Proof of their legal authorization to collect or report the debt.

Instead, they only sent a generic copy of a contract, which does not constitute proper debt validation. Despite lacking proof, Monterey continues to attempt collection and to report this unverified account to Experian as a Collection/Charge-off, in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Their conduct constitutes : A violation of FDCPA 809 ( b ) for failure to validate the debt before continuing collection activity ; A violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ) for furnishing and reporting inaccurate and unverified information to a credit bureau ; and A violation of FCRA 611 ( a ) for failing to properly reinvestigate disputes. 

As a result, I have suffered financial harm, credit denials, and emotional distress, as this false collection account damages my creditworthiness and delays my ability to advance with important financial and personal projects. 

I am requesting the CFPB to investigate and require Monterey Financial Services to provide full validation or immediately cease all collection and credit reporting activity related to this unverified debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Trying to communicate with the company to fix an issue with the loan closing
Company: Rocket Mortgage, LLC
State: MA

Complaint narrative:
We are purchasing my grandparents home, who just passed away, from an irrevocable trust of which my mom is 1 of the 3 beneficiaries. We are in MA and the state requires a title V certification for the septic where present. The septic failed the title V, and we were told by Rocket Mortgage a week before we were supposed to close that they just found out about our family relation ( despite me having told them ad nauseum ) and that the title V was waived due to the family relation. My attorney advised this interpretation of the law is incorrect, because the home is in the name of the irrevocable trust, and not my mother. Rocket refuses to do an escrow holdback which would satisfy the title V law, and is demanding we pay {$1200.00} every 15 days to extend the rate lock on the loan. I would like to report them for breaking the title V law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: SANTANDER HOLDINGS USA, INC.
State: NJ

Complaint narrative:
Someone has opened up an auto loan in my name with a company of Santander bank, which Im not aware of. I tried disputing this account with the bank. I was not provided any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Consumer Adjustment Company Incorporated
State: LA

Complaint narrative:
I am writing to file a formal dispute regarding a collection account reported by XXXX XXXX XXXX ( XXXX XXXX that appears on my credit report. The information being reported is inaccurate and/or unverifiable, and I am requesting an investigation under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Re : IMMEDIATE DELETION OF INACCURATE AND UNVERIFIABLE XXXX XXXX  ACCOUNT # XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX Dear Sir or Madam, I DEMAND the IMMEDIATE and PERMANENT DELETION of the XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX * from my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. This installment secured loan, opened XX/XX/XXXX, reported with a {$3800.00} balance, derogatory status, charged off, last payment XX/XX/XXXX, last active XX/XX/XXXX, and last reported XX/XX/XXXX, is INACCURATE, UNVERIFIABLE, and OUTDATEDviolating FCRA 1681e ( b ) and 1681c ( a ) ( 4 ).

Grounds for Deletion : 1. INACCURATE DATES : Last payment ( XX/XX/XXXX ) vs. last active ( XX/XX/XXXX ) and reported ( XX/XX/XXXX ) are inconsistent and false. 
2. UNVERIFIABLE DATA : No original contract, payment records, or charge-off proof existsautomated verification ( e.g., e-OSCAR ) is INVALID per XXXX XXXX Trans Union XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ). 
3. OUTDATED ENTRY : Exceeds XXXX limit ( expiring XXXX ) due to date discrepancies.

4. INCOMPLETE RECORDS : Lacks creditor verification and full history, breaching FCRA. 
NON-NEGOTIABLE DEMAND : DELETE this item PERMANENTLY from my credit report within 30 days ( FCRA 1681i ( a ) ( 5 ) ( C ) ) due to its unverifiable and inaccurate nature.

PROVIDE written confirmation of deletion and an updated report within 5 days post-action ( FCRA 1681i ( a ) ( 6 ) ).

NOTIFY all recipients of my credit report ( last 6 months, or 2 years for employment ) of the deletion ( FCRA 1681i ( d ) ).

Your failure to comply with FCRA and FDCPA mandates is willful or negligent noncompliance, risking actual damages, statutory penalties up to {$1000.00}, punitive damages, and attorneys fees ( 15 U.S.C. 1681n, 1681o ). I WILL pursue legal action and file CFPB/FTC complaints if this demand is ignored. 
Send all responses to the address above.

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 2025-10-13 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: FL

Complaint narrative:
: Complaint Regarding Unauthorized Hard Inquiries from Chase Bank and XXXX XXXX XXXX I am filing this complaint because unauthorized hard inquiries appeared on my credit report from Chase Bank and XXXX XXXX XXXXXXXX. 

I did not apply for any credit, loan, or account with either of these institutions, and I never authorized them to access my credit report. 

XXXX inquiries from Chase Bank appeared on XX/XX/XXXX ( both on the same date ), and XXXX inquiry from XXXX XXXX XXXXXXXX appeared on XX/XX/XXXX. 

I have already disputed these inquiries directly with both the banks involved and all three credit bureaus ( XXXX XXXX XXXX XXXX  ). However, I have not received any response or communication from any of them for several months. 

I am requesting the CFPB to investigate this matter and require that these unauthorized hard inquiries be permanently deleted from my credit report. 

I take my credit very seriously and work hard to maintain a good record. Situations like these whether due to fraud or reporting errors negatively affect my credit standing, and I am simply asking for this issue to be corrected. 

Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: RI

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-10-13 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: CA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
Please rectify the overdue payment indicated on my account, as I have always made timely payments and have diligently maintained this record. Enclosed are the relevant documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: IN

Complaint narrative:
XXXX XXXX request information on XX/XX/year> This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NC

Complaint narrative:
The reported late payments and charge-off accounts are inaccurate, incomplete, and unverifiable. The furnishers have failed to provide original, documented proof that these alleged delinquencies occurred. Without legally required validation, continued reporting of this negative information is a direct violation of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Reporting unverifiable derogatory information damages my credit standing and reflects negligent and unlawful reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal has been holding {$18000.00} belonging to my business, XXXX XXXX, since XX/XX/year>, after receiving a legitimate payment from XXXX XXXX XXXX. 

All requested documents ( business registration, invoices, supplier proof, and bank verification ) were submitted and marked Completed in the PayPal XXXX XXXX. Despite this, the account remains restricted, and PayPal has not provided any written explanation or estimated resolution time. 

PayPal initially stated that the review process would be completed within XXXX business days, but it has now been more than XXXX weeks. Multiple customer service requests were sent, but I only received automated replies claiming the case is under review by the back-office team. 

This prolonged restriction has prevented my company from accessing legitimate business funds, causing financial harm, interruption of operations, and loss of client trust. The delay appears unreasonable and inconsistent with PayPals User Agreement, which only allows temporary holds when reasonably necessary to manage risk. 

I am requesting CFPBs assistance to : Require PayPal to provide a clear written explanation of the hold ; Expedite the manual review and release of funds ; Ensure PayPal complies with applicable consumer and business protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: WA

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXXXXXX XXXX  Date : XXXX ACCOUNTS : XXXX  XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$1200.00} XXXX XXXX  - Account Number : XXXX, Date Opened : XXXX, Balance : {$2100.00} XXXX - Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00} XXXX XXXX  XXXX XXXX Account Number : XXXX, Date Opened : XXXX, Balance : {$0.00}

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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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