vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-28 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really concerned about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I've worked hard to build my credit, and it is disheartening to know that my rights as a consumer is being violated. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
Please review and investigate the accounts that are not completely accurate. I kindly request the immediate removal of all incorrect entries from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Payment process
Company: M&T BANK CORPORATION
State: VA

Complaint narrative:
I believe it was on XX/XX/XXXX that I called XXXX ( subserviced by M & T Bank ) Recently my mortgage has been taken over by this company. With the previous service, I pay my mortgage in two payments the XXXX and XXXX of each month. I also pay a little extra that the other bank would apply to my mortgage when the extra amount accumulated to a full mortgage amount. 
However this new servicing company does not seem to be able to figure out how to process my payments and now after calling and trying remedy and explain the situation, I am being charged late fees of {$22.00} and my mortgage bill for XXXX  says I owe {$1800.00} when my total mortgage payment is {$920.00} each month. 
Please assist me with having this company pay my mortgage payment in a way that is best for my budget. I have never had a late payment and my mortgage is always paid in full by the due date each month. I told the banker on the phone I could pay more in advance to be " ahead '' in my payment so I wouldnt look late in their system. However that wasnt seen as an option at the time. 
Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Upon reviewing my credit record, I discovered late payments that I believe are inaccurate. Despite sending validation request letters over 30 days ago, I have received no response, and the creditors have failed to provide satisfactory validation of these alleged late payments. This lack of response and validation is concerning given the impact these entries have on my credit standing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: CT

Complaint narrative:
XXXX XXXX XXXX XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit cards/collection accounts are listed below. 
XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent accounts and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the accounts in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts collections appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NY

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: TX

Complaint narrative:
I never consented to the release of my medical information to this debt collector. Because the medical account contains private information, it should not be reported on this account because you are infringing on my privacy. This is a clear HIPAA violation due to its failure to comply with any aspect of HIPAA standards and provisions detailed in 45 CFR Parts 160, 162, and 164. I demand this account be deleted from my credit report immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XX/XX/year> I had an appointment scheduled for XXXX with XXXX at the XXXX XXXX XXXX Citizens Bank branch in XXXX XXXX I arrived two minutes early but XXXX took a customer from the lobby ahead of me, despite my protests, telling me they'd only be a minute. After 20 minutes of me standing around waiting, I approached the manager, who said he would be glad to help me, give him a minute. After a few minutes I explained to him the situation and he said they were 'short-staffed ' and I would have to wait. they are always 'short staffed '. I wanted to open a third account and forgot to bring routing and account numbers from the funding bank. He asked me to phone them in and he would do it for me, however I did need to come back and sign a signature card later that day. When I returned and did so, he promised me that he had funded the account for me, but had no deposit ticket or other written proof. I asked him to sign the hand written statement attached. XXXX XXXX XXXX XXXX signed this statement. I found out several days later that he did not do this at all and was either a ) being dishonest or b ) incompetent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am reaching out for help because I feel completely abandoned and taken advantage of by JPMorgan Chase Bank. 

I have been a loyal customer for years, always trying to manage my financial responsibilities the right way. Recently, when I faced serious financial hardship, I contacted Chase to ask for assistancespecifically, to request a lower interest rate so I could realistically pay off my growing debt. 

Instead of helping me, Chase kept my interest rate extremely high, making it impossible to get ahead no matter how hard I tried to make payments. Then, without offering any meaningful solutions or support, they abruptly closed my account, leaving me with a large balance, rising interest, and now a damaged credit score. I feel punished for asking for help. 

Their refusal to work with me has made an already stressful financial situation worse. I reached out in good faith, expecting the kind of hardship support that most reputable lenders claim to offer. Instead, I was met with indifference and harsh policies that have left me feeling helpless and overwhelmed. 

I am trying to do the right thing and pay what I owe. I simply needed Chase to meet me halfway so I could have a fighting chance to get out of debt. Instead, they made it even harder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: MD

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Lendbuzz Inc.
State: IL

Complaint narrative:
I got the car out of Florida from a dealership called XXXX XXXX XXXX they found me a lender called land buzz everything was good. The first three months. I had the vehicle on XXXX morning 2024. The wheel on the vehicle fell off passenger rear. I was in touch with the warranty company tried talking to the dealership and I was in communication with the lending company, letting them know that the wheel fell off the vehicle. It was gon na cost XXXX to get it fixed and I informed them that I was going to make payments in XXXX here we are in XXXX. I started paying {$100.00} a week. My card note was due on the XXXX of every month I had no problem paying the car note the three months I was using the car when I first got it. I had to go to court and do XXXX XXXX on the XXXX. I do believe I got paid on the XXXX the XXXX I went to court. I stopped in XXXX XXXX to get me something to eat and then I was going to head to work. I get paid tomorrow so I was gon na pay the XXXX for the XXXXXXXX XXXX  {$100.00} from my remaining balance I come out the restaurant and the car is being repo. I have the title to the car. I have valid insurance valid license registration is in my name. Everything is legit everything is in my name. I asked tow truck driver to put the car down. He said he was gon na call the police. I found out after the fact that when he called the police. He told them that I threatened them when the police pulled up. They ordered me to get out the car. They didnt ask me for any documentation or anything. I end up getting tased pepper sprayed. My hair was pulled, and I was punched in the back of my head. The problem that I am having is that I was in communication with the lending company complying and have been paying them {$100.00} every week. I have to call in to make a payment every time I call in I will inform them im trying my hardest to catch up before the car was repo. The remaining balance was {$900.00} and even when the car got repo, I called them and tried to pay the car note the XXXX. They told me that they wouldnt accepting any payments from me unless it was {$1900.00} which is the XXXX past due balance, the repo fee and the monthly car note and through this ordeal, I have accumulated six XXXX and two XXXX  from me complying and them ambushing me out of town a hour away from my home. I really need help in this matter I can be contacted at XXXX please help me because I do not feel this is right because I was complying with them paying them every week giving them updates weekly and I got ambushed out of town and accumulated charges

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
XXXX XXXX Attempted Refund Blocked by XXXX  Request for CFPB Assistance I would like to add that when I spoke with XXXX  XXXX by phone on XX/XX/year>, they informed me that they had attempted to recover my funds, but XXXX blocked the process. 

It was extremely upsetting to learn that even though my bank made an effort to help, XXXX refused to cooperate. Prior to this, I had already submitted clear evidence to XXXX including : Screenshots of messages between myself and the scammer, A copy of the police report I filed, Documentation of the scammers history of fraudulent behavior against multiple victims. 

Despite receiving this evidence, XXXX declined to assist me in recovering my funds. 

I trusted these companies to protect their customers in cases of fraud, and it feels as though I am being abandoned by both sides. I am asking the CFPB to step in and assist in facilitating a fair resolution. 

I have also attached XXXX XXXX final claim denial email, confirming that they will not issue a refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 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: TX

Complaint narrative:
My report shows certain inquiries that do not appear to meet the requirement of permissible purpose as outlined in 15 USC 1681b. I believe these inquiries were unintended, and I am requesting their removal.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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 have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
I have encountered difficulties accessing my [ Equifax ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: FL

Complaint narrative:
i have submitted disputes to you and i didnt get response within 30 days and ya 'll are required by law to do so. Please investigtes my disputes, please. Thank you.

Company response to consumer: Closed with non-monetary relief