vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-11 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: PA

Complaint narrative:
I'm sending this today to you to follow up my previous letter concerning about the fraudulent items from my file. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. I'm requesting again for removal of the items listed below 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
FTC XXXX XXXX XXXX XXXX I am filing a complaint against XXXX XXXX and its affiliated agency XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( Office phone : XXXX ) for unfair business practices, misrepresentation, and improper debt collection activity by Caine & Weiner located at XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ( XXXX XXXX XXXXXXXX : XXXX XXXX ). 

On XX/XX/XXXX and XX/XX/year>, I submitted a written request to my assigned agent, XXXX XXXX, to cancel my commercial insurance policy. I followed up again on XX/XX/XXXX and XX/XX/year> after receiving no response. Despite my explicit written instructions, my policy was not cancelled and remained active. 

Over the following XXXX months, I made repeated attempts to resolve this issue directly with XXXX and the agency, including escalating the matter to upper management. No corrective action was taken. I have documented proof, including email correspondence, showing : My cancellation request on XX/XX/year>. 
My follow-up on XX/XX/XXXX and XX/XX/year>. 
My repeated attempts to escalate to upper management. 
The agency has since terminated XXXX XXXX employment, which further confirms there were serious failures in handling my account. 
Instead of cancelling my policy and refunding the unearned premium, XXXX improperly referred my account to collections a clear misrepresentation of the facts and an unjust attempt to collect funds not owed. I am the party owed money in this matter. 

Continuing collection efforts on a disputed account where the creditor is in fact indebted to the consumer may constitute a violation of the Fair Debt Collection Practices Act ( FDCPA ). 


Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX Phone : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I reported to JP Morgan Chase XXXX wire transfers that were made from my account at Chase to several other accounts at Chase. At the time I was under the belief that these were to cover various custom 's fees, obtain certificates, etc. for the transportation of XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXXs from XXXX XXXX XXXX in XXXXXXXX XXXX XXXX XXXX XXXX  ( my home ). I have since come to believe that this entire process has been a very elaborate scam. All of the accounts that the funds were wired to were Chase accounts. Chase sent me a letter refusing to refund me the deposits. They said, " We determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account ''. Yes they were authorized, but isn't that what scams do? Trick people into such things? I never received any of the gold or diamonds. Here is a list of the wire transfer amounts and dates. I have copies of all the wire transfers as well as chat logs, short video of the gold/diamons, copies of various certificates and pictures of the 2 people involved in this scam. There was also a Chase withdrawal on my account and a deposit into another account on XX/XX/XXXX for {$170000.00}, but Chase said that the account had been closed and would dig no further into it. It had started out to be a wire transfer, but the bank ran into an issue and said that we could just do a withdrawal/deposit and so I agreed to that. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: OH

Complaint narrative:
I was directed from TRANS UNION I HAVE XXXX HARD INQUIRED ON MY CREDIT REPORT THAT I DID NOT MAKE. I WAS TOLD TO REPORT THIS FRAUD TO THIS COMPANY, SO THAT I MAY HAVE IT REMOVED FROM MY CREDIT REPORT XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) THESE ARE THE COMPANIES THAT SAID I ASK FOR CREDIT, AND THE DATES THAT THEY WENT ON MY CREDIT AS HARD INQUIRES

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was directed from XXXX XXXX I HAVE XXXX HARD INQUIRED ON MY CREDIT REPORT THAT I DID NOT MAKE. I WAS TOLD TO REPORT THIS FRAUD TO THIS COMPANY, SO THAT I MAY HAVE IT REMOVED FROM MY CREDIT REPORT XXXX ( XX/XX/XXXX ) JPMCB ( XX/XX/XXXX ) THESE ARE THE COMPANIES THAT SAID I ASK FOR CREDIT, AND THE DATES THAT THEY WENT ON MY CREDIT AS HARD INQUIRES

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Optio Solutions, LLC
State: MO

Complaint narrative:
I am filing this complaint against QUALIA COLLECTION SERV for knowingly reporting false information to my credit reports and engaging in unlawful harassment, including threats of arrest made via calls to my workplace. The account in question was closed and settled in full on [ Settlement Date ], yet QUALIA COLLECTION SERV continues to furnish inaccurate derogatory information, violating FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing known inaccurate info ) and 611 ( failure to conduct reasonable reinvestigation ), as well as FDCPA 805 ( a ) ( 3 ) ( contacting me at work after being told not to ), 806 ( harassment or abuse ), and 807 ( 4 ) ( false implication that nonpayment will result in arrest ). I have settlement proof, payment confirmation, evidence of continued false reporting, and phone records of harassment. I demand immediate deletion of all QUALIA COLLECTION SERV entries from XXXX XXXX, and XXXX written confirmation of removal within XXXX business days, and assurance of no further contact. If unresolved by XX/XX/year>, I will file suit in the XXXX XXXX XXXX XXXX Missouri for statutory and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I am requesting permanent deletion of an inaccurate utility collection reported by Fair Collections & Outsourcing ( FCO ) and published by XXXX 

The utility account was opened in my co-lessee XXXX XXXX name by our leasing office but is reported solely in my name on XXXX. The account is labeled joint but omits the other responsible party. 

I first disputed this directly with XXXX on XX/XX/year> and filed a formal dispute with XXXX on XX/XX/year>. 

I paid the account in full under protest on XX/XX/year> to prevent housing loss ; the payment receipt shows both names. XXXX internal record shows Paid in Full, but landlord-facing reports omit this and display it as an unresolved collection with a removal date of XXXX 

For reference, my XXXX report also lists this account with similar deficiencies, while my XXXX  report does not list it at all. The absence on XXXX and the inconsistent presentation across bureaus demonstrate that the reporting is inaccurate and unreliable. This is provided solely to highlight the inaccuracies, not to request any changes to my XXXX XXXX XXXX files through this complaint. 

I requested suppression during the investigation due to imminent housing application risk, as landlords may view the current reporting as an unpaid collection. No suppression was applied. This incomplete and misleading reporting violates FCRA 1681e ( b ) and 1681i, and FCOs furnishing is inaccurate under FCRA 1681s-2 ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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:
XXXX XX/XX/year>, I obtained my TransUnion Data Privacy / Supplementary Consumer Report. It contained multiple false names ( XXXX XXXX XXXX, over 15 outdated addresses across XXXX XXXX XXXX XXXX XXXX XXXX unrelated phone numbers, and numerous unrelated email addresses ( XXXX, XXXX, etc. ). 

It also listed over 100 Connected XXXX XXXX, and XXXX XXXX XXXX IDs tied to me. TU admits it possesses more but disclosed only a limited list of 100, knowingly withholding the rest, a willful violation of FCRA 1681g ( a ) and actionable under 1681n. 

TUs report confirms it sold/shared my identifiers, protected classification data ( race, age, gender ), behavioral/marketing profiles, and inferences to advertising networks, marketing companies, and data brokers without consent, violating FCRA 1681b ( f ), GLBA, and Texas Bus. & Comm. Code 20.05. They refused to identify the specific recipients, providing only categories, violating FCRA 1681g ( a ) ( 3 ). 

Several of these outdated addresses are tied to a bankruptcy record, causing false internal matching and misidentification in violation of FCRA 1681e ( b ). I have disputed this previously, but TU failed to verify with the original source, violating FCRA 1681i and Texas 20.07. 

These inaccuracies and unauthorized data use create identity theft risk, discriminatory profiling based on protected characteristics, reputational harm, and emotional distress. 

Requested action : Delete all disputed identifiers and tracking data, remove the bankruptcy tied to a disputed address, provide a complete and unredacted list of all recipients for the past 24 months, and certify compliance within 30 days.

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 2025-08-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
Hello, I am requesting urgent escalation regarding XXXX fraudulent Cash App transactions totaling {$600.00} on [ XX/XX/XXXX at XXXX and XXXX ]. These payments were unauthorized/scam-related, and I did not receive any goods or services in return. 

Cash App closed my case prematurely, but this is unauthorized fraud under Regulation XXXX I am in severe financial hardship and need these funds returned immediately to pay essential bills today. 

Transaction details : Date : [ XX/XX/XXXX ] Amount : $ [ XXXX ] Recipient : [ XXXX XXXX / transaction # XXXX $ XXXX ] Date : [ XXXX ] Amount : $ [ XXXX ] Recipient : [ XXXX XXXX XXXX # XXXX $ XXXX ] Please reopen this dispute and escalate to a senior review team immediately. I am also filing complaints with the CFPB and FTC to ensure compliance with federal consumer protection laws. 

Time is critical, and I expect a confirmation of case reopening and an expedited reversal within 24 hours. 

Thank you for your immediate attention, [ XXXX, XXXX ] [ XXXX ] [ XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: IL

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute to Equifax regarding the inaccurate and unverifiable reporting of XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX. Under FCRA XXXX ( a ) ( XXXX ) ( A ), Equifax was required to complete a reinvestigation within XXXX  days and, under XXXX ( a ) ( XXXX ), to provide the complete results and XXXX of XXXX within XXXX business days. Equifax failed to provide the requested documentation, including the original contract, full payment history, XXXX, and XXXX XXXX XXXX records. 

The reporting remains inconsistent and non-compliant with FCRA XXXX ( b ), XXXX, and XXXX ( a ) ( XXXX ) ( A ). This same account was deleted from my XXXX  report as unverified, which confirms its unverifiable nature. Maintaining this account without proper verification constitutes willful noncompliance under XXXX and XXXX. I request immediate deletion in accordance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX XXXX NA XX/XX/XXXX EXPERIAN, XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX EXPERIAN, XXXX XX/XX/XXXX EQUIFAX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Pl XXXX XXXX, GA XXXX XXXX Date : XX/XX/year> Subject : Formal Dispute Request for Deletion of Inaccurate Tradelines To Whom It May Concern : I am formally disputing the accuracy and completeness of the following accounts currently appearing on my credit file. Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), you are required to follow reasonable procedures to assure maximum possible accuracy of the information you report. The current reporting of these tradelines contains multiple inaccuracies and therefore violates this statute. 

Accounts in Dispute : 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  [ if applicable, insert full/partial number ] Under FCRA 15 U.S.C. 1681s-2 ( b ), each data furnisher must conduct a reasonable investigation upon receiving notice of dispute and must correct or delete any information that can not be verified. Failure to fully and lawfully verify the accuracy of these tradelines within the required timeframe mandates their deletion. 

For any accounts involving student loans ( including XXXX XXXX ), please note that pursuant to 34 CFR 682.208 ( f ), loan servicers are required to report accurate and current information regarding federal student loans. Any failure to maintain accurate reporting or to update corrected information constitutes noncompliance. 

You are hereby instructed to conduct an immediate reinvestigation of each tradeline listed above. If you can not fully substantiate the accuracy of all data reportedincluding payment history, balances, and account statuseach disputed tradeline must be deleted from my credit file in its entirety. 

Please provide me with written confirmation of your investigation results, as well as copies of any documents you relied upon in verifying these accounts, pursuant to my rights under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-10 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: AL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX falsely opened and reported an account in my name without my knowledge or consent. This fraudulent account has caused me deep emotional distress, damaging my credit and my peace of mind. I have never authorized or signed for this account, yet it continues to haunt my financial life. The betrayal and harm from having my identity misused in such a way has been overwhelming.

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 2025-08-10 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: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/year>, XXXX XXXX XXXX falsely opened and reported an account in my name without my knowledge or consent. This fraudulent account has caused me deep emotional distress, damaging my credit and my peace of mind. I have never authorized or signed for this account, yet it continues to haunt my financial life. The betrayal and harm from having my identity misused in such a way has been overwhelming.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: United Shore Financial Services, LLC
State: SC

Complaint narrative:
In XX/XX/year>, my FHA mortgage ( payment XXXX XXXXXXXXmonth, LTV approximately 84 % ) was internally transferred to a different department within the same company. This was not a refinance or new loan, only an internal servicing transfer. 

After this transfer, the company suddenly added Mortgage Insurance Premium ( MIP ) charges, increasing my monthly payment to {$2200.00}. ( last month they allowed the {$2100.00} payment then XXXX they changed it. ) At origination, my loan was not subject to lifetime MIP, and under HUD/FHA guidelines , with an LTV 90 % at closing, MIP should only be collected for 11 years. No new FHA case number was issued, so original terms should apply.

Timeline of payment issues : Last month : Payment was recorded as 21 days late due to the companys delay in completing the transfer process. No late fee was charged, but the online account still shows the late status.

This month : My account is now 9 days late because the payment portal will not allow me to make my contractual {$2100.00} payment without also paying the disputed MIP charges. This forces me to either overpay and accept the disputed
charges or be marked late.

I contacted the company to dispute the added MIP and requested : My original payment amount be restored.

An explanation and documentation for the change, including my FHA case number, the original MIP terms, and the basis for adding MIP after an internal transfer.

The company responded with generic HUD/FHA guidelines , but no loan-specific documentation or justification. They did not address my original terms or explain
why the change applies to me.

These past-due notations and inability to make my payment are solely the result of the companys handling of my loan and the disputed charges, not my unwillingness or inability to pay.

I am requesting CFPBs assistance to have the improper MIP charges removed, my payment returned to {$2100.00}, all late fees and past-due notations removed, my payment portal restored to accept the correct amount, and written confirmation that my original loan terms remain in effect. I did try to make an effort to pay just the {$2100.00} however the lady stated no I should submit the a letter through the
portal. The letter was submitted through the portal however, they responded and just told me to then submit a written letter to another department. I tried to alter the payment amount to reflect our actual mortgage amount of {$2100.00} but the portal
would not let me make changed to the {$2200.00} that displays. I do not want to have my credit effected and I have the funds needed to pay the mortgage amount

Company response to consumer: Closed with explanation