vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: MO

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: MA

Complaint narrative:
They are pathetic. They completely missed three fraudulent charges to my card, I found them, contacted them, they shutdown my card, didnt get me my new card in the overnight option, took almost a week to get me the card, I went to the branch multiple times, now Im in XXXX and theyve flagged all my attempted purchases as fraud and shutdown my card. I gave them all my information but because their code they texted me couldnt be verified for whatever reason, they will not talk to me. Dont use them. Theyre unreliable, difficult, pass the buck to you, and dont care that theyve XXXXXXXX XXXX XXXX while XXXX miles from home.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FinCo Services Inc DBA Current
State: AZ

Complaint narrative:
Current Bank closed my account after receiving a {$910.00} deposit from XXXX, which was a college refund check. The deposit was made to my account, but the name on the deposit did not match the name on my account. After closing my account, Current Bank informed me that they would not return the {$910.00} to me. Instead, they said the funds would only be returned to the original depositor, unless XXXX specifically requests a return. I do not want to try to get XXXX to request the return. I believe Current Bank is wrongfully holding my funds and refusing to provide a clear process for me to recover the money that was deposited into my account. I am seeking help from the CFPB to resolve this issue and have my funds returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I HAVE FILED COMPLAINTS AGAINST EXPERIAN WITH THE CFPB. NOW EXPERIAN IS HARASSING ME WITH UNAUTHORIZED FREEZE OR LOCKS ON MY CREDIT REPORT! AFTER A NUMBER OF REQUESTS FOR THEM TO LEAVE MY CREDIT PROFILE UNLOCKED. THERE STILL FRAUDULENTY LOCKING MY CREDIT REPORT WITHOUT MY PERMISSION AND THERE DOIN SO TRYING TO CHARGE ME A MONTHLY FEE FOR SERVICE THAT IS FREE. EXPERIAN IS TRYING TO PUNISH AND SILENCE ME BECAUSE OF THE COMPLAINTS PREVIOUSLY FILED!! I WILL BE SEEKING AN ATTORNEY TO FILE A XXXX LAWSUIT AGAINST EXPERIAN..

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 2025-07-11 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: RI

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-07-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I was recently notified by my mortgage company, Chase Bank, that there would be a significant increase in my monthly mortgage payment, stemming from their recent escrow analysis. My monthly mortgage payment increased from {$3700.00} to {$4200.00}, a difference of {$500.00} per month, ( {$6000.00} over 12 months. ) I simply can't afford such a sudden increase. This substantial increase is reportedly due to an escrow shortage. However, my property taxes and home insurance premiums collectively increased by less than {$1000.00} the past year. If there is such a shortage, it should have been recognized sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: SC

Complaint narrative:
On XX/XX/year>, XXXX unauthorized transactions totaling over {$800.00} were made to a foreign merchant listed as " XXXX XXXX XXXX '' on my Netspend XXXX account. The largest charges were : {$190.00}, {$190.00}, and {$380.00}. I have never done business with this merchant or traveled to XXXX. I live in South Carolina, XXXX, and was physically present in the U.S. when these transactions occurred. 

I immediately filed a dispute with Netspend ( Claim # XXXX ), but they denied my claim stating there was no pattern of fraud and no evidence of account compromise, despite the clear fact that the transactions were signature-based and occurred in a country Ive never visited. 

These charges are clearly fraudulent and I have requested a reinvestigation. Netspend has refused to recredit the funds to my account. I am now appealing to the CFPB for assistance in recovering these funds and ensuring that Netspend properly investigates and resolves this matter. 

I have written proof of the denial letter, a screenshot of the transactions, and can provide any further documentation needed. I am requesting that Netspend re-open this investigation and return the unauthorized funds.

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 2025-07-11 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: ND

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 t
hey 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 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 2025-07-11 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: ND

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 has violated my rights. 

I looked at my TransUnion Equifax Experian credit report 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 t
hey 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 consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: NJ

Complaint narrative:
They discharged the debt with the irs yet they are still reporting it on my credit report

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 2025-07-11 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: VA

Complaint narrative:
Between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was undergoing financial hardship and submitted a Loss Mitigation Application to XXXX XXXX XXXX Bank. On XX/XX/XXXX, XXXX confirmed in writing that my application was complete and that I was entitled to foreclosure protections. This means XXXX was prohibited from initiating or continuing foreclosure and, under CARES Act and FCRA, prohibited from reporting late payments if I was in compliance with the terms. 

Despite this, XXXX reported my mortgage as 60180 days late from XXXX through XX/XX/XXXXXXXX  to Equifax, damaging my credit during a time I should have been protected. 

These actions appear to violate : FCRA 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate or incomplete information CARES Act Section 4021 restricting negative credit reporting during forbearance/loss mitigation when the consumer complies with terms I am requesting the CFPB ensure XXXX : - Removes all late payment reporting from XXXX to XX/XX/XXXX, - Provides updated payment history to the credit bureaus, - Reviews internal policies to avoid harming other consumers in similar hardship. 

I am attaching XXXX XX/XX/XXXXXXXX  letter as proof of my complete application and eligibility.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Between XX/XX/XXXXXXXX  and XX/XX/XXXX, I was undergoing financial hardship and submitted a Loss Mitigation Application to XXXX XXXX XXXXXXXX XXXX On XX/XX/XXXX, XXXX confirmed in writing that my application was complete and that I was entitled to foreclosure protections. This means XXXX was prohibited from initiating or continuing foreclosure and, under CARES Act and FCRA, prohibited from reporting late payments if I was in compliance with the terms. 

Despite this, XXXX reported my mortgage as 60180 days late from XXXX through XX/XX/XXXXXXXX  to XXXX, damaging my credit during a time I should have been protected. 

These actions appear to violate : FCRA 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) furnishing inaccurate or incomplete information CARES Act Section 4021 restricting negative credit reporting during forbearance/loss mitigation when the consumer complies with terms I am requesting the CFPB ensure XXXX : - Removes all late payment reporting from XXXX to XX/XX/XXXX, - Provides updated payment history to the credit bureaus, - Reviews internal policies to avoid harming other consumers in similar hardship. 

I am attaching XXXX XX/XX/XXXXXXXX  letter as proof of my complete application and eligibility.

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 2025-07-11 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: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-07-11 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: TN

Complaint narrative:
I disputed an inaccurate rental collection account reported by TXXXX XXXX XXXX XXXX XXXX XXXXXXXX, dated XXXX. I vacated the unit in XX/XX/year>XXXX  before eviction and was approved for {$8400.00} in rent assistance. I submitted written proof and supporting documents showing approval and landlord acknowledgment of this assistance. However, TransUnion verified the balance as accurate without providing full validation or reviewing the documents submitted. I requested account validation and a breakdown of the amount reported but did not receive sufficient information. I am requesting CFPB assistance in having this inaccurate account fully validated or removed from my credit report.

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 2025-07-11 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: MS

Complaint narrative:
I am updating a late payment that is currently being reported on my credit report as " open '' or unresolved. This entry is inaccurate and misleading. I have either already resolved the payment, or I was never late as claimed. The continued reporting of this item as open and delinquent is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain maximum possible accuracy of the information they report.

This misreporting has negatively impacted my credit score and may hinder my ability to obtain credit or employment. I am requesting an immediate investigation into this matter, as well as a correction or deletion of the inaccurate late payment record if it can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that was opened without my knowledge or consent. This account reflects unauthorized and fraudulent use of my personal information, and I want to make it unequivocally clear that I did not initiate or authorize this account in any way.

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 2025-07-11 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Systems,Inc.
State: NJ

Complaint narrative:
Called National Credit Systems to identify what they were doing with my collections and to verify the legality of my debt, including why they are not responding to the validation letters sent by the credit bureaus. The representative refused to answer any questions regarding my account and told me I would have to call XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I called the law office and after asking how they validated the debt, He refused to answer, and only continued asking how I would like to pay my debt. I asked him multiple times why there was no direct response to any letters sent through the multiple credit bureaus disputes, and one again, he refused to answer. 

National credit systems and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Are avoiding legal responsibility and still calling, trying to collect money. 

Everything was recorded for legal purposes as proof they are avoiding legal obligations in accordance with the CFPB AND FDIC I have also contacted the state of Georgia and XXXX to help with this issue, due to the tactics by National Credit Systems and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation