vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Subject : Experian Credit Report Appears Locked Blocking Auto Loan Approval What happened : I am trying to apply for a vehicle loan through a dealership, but the banks they work with are reporting that my Experian credit report is locked, and they can not access it. This has created a significant delay in securing transportation I need to run my business. I am a professional painter, and having access to a vehicle is essential for transporting materials and traveling to job sites. 

I have contacted Experian customer support multiple times, and they continue to tell me that there are no active locks or freezes on my file. However, despite these claims, lenders are still unable to pull my credit report through Experian. 

This discrepancy is creating a serious hardship and loss of opportunity for me. I am trying to purchase a new vehicle as soon as possible and Experians inability to resolve or clarify this issue is interfering with that process. 

What I want Experian to do : Investigate and remove any unknown credit lock or block that is preventing third parties from accessing my credit profile. 
Provide written confirmation of my credit status and accessibility for lenders. 
Provide a clear explanation for why Experian shows my file as open, yet lenders are being told otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Subject : Urgent Request to Resend Hold Harmless Letter for Wire Transfer Immediate Attention Required Dear Chase Customer Relations, I am writing to formally raise a complaint and request urgent action regarding a wire transfer initiated from my Chase account on XX/XX/year>, in the amount of {$24000.00} USD, which has not been reversed due to the apparent non-receipt of a Hold Harmless Letter by XXXX XXXX Bank. 

Transaction Details : Sender Name : XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Recipient Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Routing Number : XXXX Transaction Amount : {$24000.00} Wire Date : XX/XX/year> XXXX Reference : XXXX XXXX  Case ID : XXXX Despite multiple confirmations from XXXX representatives that the Hold Harmless Letter was sent to XXXX  XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX XXXX continues to claim that they have not received it. This discrepancy is preventing the reversal of funds and is causing me significant financial distress. 

As this is a document shared between financial institutions, I am unable to obtain a copy of the letter myself. However, I urgently request that Chase Bank immediately reissue and confirm delivery of the Hold Harmless Letter to XXXX  XXXX, and provide written confirmation to me that this has been done, along with transmission details ( date, time, and recipient contact ). 

This matter has been pending for over XXXX  days, and the lack of resolution is unacceptable. I respectfully request prompt action from your office to ensure that my funds are returned without further delay. 

Please treat this as a formal complaint and urgent escalation. I am prepared to pursue this matter through regulatory channels if necessary, including the Consumer Financial Protection Bureau ( CFPB ) and the Office of the Comptroller of the Currency ( OCC ), should Chase fail to act swiftly. 

Thank you for your immediate attention to this matter. I expect a written response and resolution update within the next XXXX hours. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: U.S. BANCORP
State: SD

Complaint narrative:
This mortgage and escrow account were set up intentionally so that my payments on a monthly basis ( taxes and insurance included ) would be anticipated and collated. I've had this mortgage for going on 11 years now and US Bank continues year after year to incorrectly calculate the amount needed for my escrow account. I believe there's been a shortage in that account EVERY YEAR or almost every year. This year that shortage totaled almost {$2500.00}. 

I called and spoke with someone named XXXX. XXXX agreed the shortage amount was substantial. My question was if my insurance is due in XXXX and my escrow balance is only being reviewed annually in XXXX, WHY wasn't I notified as soon as the shortage became apparent in XXXX of 2024. Why does US Bank only recalculate escrow balances annually? Why would the algorithm or script not see that my insurance payment was substantially larger and then reevaluate the payments? Why allow it to go on for 11 more months and not take steps to notify me of a possible error in the projection? Why is it that even now I know what my next insurance payment is going to be {$4200.00} but US Bank has only accounted for {$3200.00}? Why does US Bank not make a more concerted effort to accurately calculate the needed funds for escrow accounts? XXXX repeatedly asserted that US Bank is only required to calculate escrows annually and that it's based on the state I live in. How does that help at all? Why is there no option to recalculate quarterly or recalculate once a bill has been paid/received which was substantially larger than the projected amount? Why is it that US Bank chooses to calculate the escrow based on outdated numbers and doesn't take into account an insurance bill that's already been made available to them? Even my gas company manages to recalculate quarterly, but US Bank can't. 

US Bank hasn't managed to get this escrow balance calculation right in over 10 years. Why should I tolerate that level of ineptitude and indifference? One would almost think that since US Bank hasn't been able to correctly project an escrow balance in 10 years that they wanted the process to fail.

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 2025-06-17 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: LA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I am formally disputing multiple entries in my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i and 1681b. You are required to ensure the maximum possible accuracy of all data you furnish, and I am holding you accountable to that standard.

I challenge the accuracy, legitimacy, and reporting compliance of the following accounts, collections, inquiries, and personal information. You must immediately provide physical and verifiable documentation proving the lawful purpose of each listed entry. This includes : A copy of any signed contract or application Documentation showing a permissible purpose as required under 15 U.S. Code 1681b Any records proving my direct authorization or consent If you can not furnish proper documentation within 30 days from the date of receipt of this letter, you are required by law to DELETE the disputed item ( s ) from my report. 

ACCOUNTS BEING CHALLENGED XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX COLLECTIONS BEING CHALLENGED XXXX XXXX XXXX - XXXX XXXX - XXXX INQUIRIES BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX PERSONAL INFORMATION BEING CHALLENGED Incorrect Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Previous Address : XXXX XXXX XXXX, XXXX, NY XXXX Incorrect Name : XXXX XXXX Employer : XXXX ( no verified employment on record ) Your continued failure to comply with FCRA reporting standards constitutes willful non-compliance and gives grounds for legal recourse under 15 U.S. Code 1681n and 1681o.

Provide me with an updated, corrected credit report reflecting the deletion of any unverifiable information. You are required to mail this to me within 30 days of receiving this dispute.

If you fail to comply, I will file a formal complaint with the CFPB, the FTC, and consider further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-17 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 a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WA XXXX Last 4 of SSN : XXXX Dear Credit Bureau 's Compliance Officer / Debt Collector, I am writing to formally dispute an erroneous Eviction Record ( XXXX XXXX XXXX XXXX ) that is currently appearing on my Credit Report. This record has been deemed UNVERIFIED, and I am requesting its deletion in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 16921692p.

I have diligently pursued resolution of this matter with the relevant consumer companies responsible for reporting the eviction. They have since expunged the Eviction Records from their files due to the inability to verify the account.

As per the provisions outlined in the FCRA, I am demanding a comprehensive investigation into this matter and the immediate removal of the inaccurate eviction record from my credit report.

Additionally, I request written confirmation of the investigation 's results, along with a detailed explanation of any findings.

Please be aware that you have 30 DAYS from the date of receiving this letter to either delete this account or provide unequivocal DOCUMENTATION that verifies this account. I emphasize that it is not my intention to merely request an automatic verification without appropriate evidence. Despite significant effort on my part to assert my rights, no company has thus far provided any information regarding this Eviction Record, which is currently impeding my ability to secure housing.

Failure to comply with this request and adhere to the regulations set forth in both the FCRA and FDCPA could result in my filing Official Complaints with the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX XXXX XXXX XXXX and the Office of the Attorney General.

I urge you to consider this matter with the seriousness and prompt attention it deserves. I trust that you will act in accordance with the laws that govern your operations, ensuring fairness and integrity in your reporting. 

Best Regards, 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 2025-06-17 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: FL

Complaint narrative:
I deny any association with these creditors, and I did not initiate this inquiry. Please remove it from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: PA

Complaint narrative:
Opened a dispute with Transunion to correct my credit report. An account was reported as being in collections despite being paid in full to the original provider prior to going to collections. Documentation from insurance was provided documenting the payment. Transunion closed the dispute with no correction and instead has verified the debt as accurate which is false and have I since received a lower credit score. This has negatively affected my borrowing rates.

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 2025-06-17 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: NY

Complaint narrative:
I am formally disputing the accuracy, legality, and compliance of the claim reported under : Account Being Challenged XXXX XXXXXXXX XXXX  XXXX This claim is unjust, harmful, and has negatively impacted my personal, emotional, and financial well-being. I challenge your assumed right to report this claim and demand documented proof that your reporting practices comply with all federal and state regulations, including XXXX XXXX formatting and XXXX 's latest XXXX  standards. 

Here are my demands and legal points of concern : XXXX XXXX & XXXX Compliance You are required to meet the highest standard of reporting accuracy. This includes strict adherence to XXXX XXXX format and all fields outlined in the XXXX current Credit Reporting Resource Guide ( XXXX ). I am challenging both the data furnisher and any consumer reporting agency accepting or displaying this data. If your reporting deviates from these standards, knowingly or unknowingly, you are in violation of the Fair Credit Reporting Act.

Violation of FCRA 15 U.S.C. 1681i I am aware that youve previously issued form-letter responses to disputes. That is a direct violation of federal law. Each consumer dispute must be reviewed and investigated based on the specific facts and documents submitted. I personally authored the letters you've received and used software fully available to the public. You may not disregard, delay, or dismiss these disputes on the basis of perceived third-party involvement.

No Legal Requirement for Power of Attorney There is no provision under federal law requiring a consumer to issue a Power of Attorney to submit a dispute. You must treat all letters signed by me as fully authorized communications, regardless of formatting or software origin.

Final Notice Before Legal Action : If you do not process this dispute properly and lawfully within 30 days, I will escalate the matter and pursue all available legal remedies, including reporting your violations to the CFPB, FTC, and my legal counsel. I demand written verification, along with any physical documentation you rely on to justify this claim. If you can not prove compliance and accuracy, you must DELETE this account from all reporting bureaus immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EdFinancial Services
State: FL

Complaint narrative:
my acount was on a forebearance status and they mark my account as being late and made my score drop over XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

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 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi Bank the worst bank I have had since XX/XX/XXXX 1 realized that I was missing money I called customer service and they didn't even let me finish explaining unrecognized charges .. in short they told me I had to open a new account I didn't have access to see anything not even use XXXX XXXX digital wallet in XX/XX/XXXX I was still asking for my money from the closed account at that moment they closed that account and opened another one in XX/XX/XXXX they closed that one and opened another one at the end of XXXX to XX/XX/XXXX I lost, at the end of XXXX to XX/XX/XXXX I lost {$5600.00} without remembering all the fraudulent money since XX/XX/XXXX and today XX/XX/XXXX Citi Bank closed my active account without notifying me and with an active and available balance of {$2300.00} and up to this moment they are not responding and they are not giving me information..

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 monetary relief
Consumer complaint received 2025-06-17 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: NC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
Sincerely, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, North Carolina XXXX, XXXX, XX/XX/1992.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief