vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I reported an unauthorized charge from a strangers XXXX account to my bank account, which is J.P. Morgan Chase bank, for the amount of {$1700.00} on XX/XX/year>, and was told they would review it for fraud, lock my card, and refund my money. On XX/XX/year>, I reached out again to get more information on the issue, in which I was told my claim had been denied. When I asked why and tried to explain, I was told that it was denied due to me having had prior business with XXXX, and when I tried to appeal it and explain that the charge did not come from my XXXX account and that my card information has been compromised, they informed me that it was my problem and they couldnt do anything to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-21 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:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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 explanation
Consumer complaint received 2025-08-21 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : XXXX XXXX XXXX  Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ 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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: AR

Complaint narrative:
b'Our mortgage has never been late. \nAt the beginning of this year, they began adding taxes (opened an internal escrow account) due to their telling us our taxes were previously paid late. This was inaccurate.\nI got confirmation from the county clerk that our taxes were never paid late. We continued paying the extra funds so our mortgage would not be compromised. No solutions were happening. I certified mailed all info from the county clerk verifying that we were never late on our taxes. On XXXX XXXX XXXX I phoned the mortgage company. They verified that they got our documentation and will send a refund check for the collected mortgage within 3 days. I called back today XXXX only to be told that they canceled the request. The gal said she would resubmit the complaint (2nd case # XXXX) and again verified that they have the documents showing we were never late. They have an internal document reference for the certified mail we sent them. We want our funds back that were illegally collected. \nLoan Account XXXX\nNewrez Mortgage XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a formal dispute regarding a fraudulent account reported under my name. I have never had any involvement with this account, nor have I authorized it. Its inclusion is inaccurate and damaging to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 
Account name : XXXX XXXX Account number : 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 2025-08-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The account I did not authorized they denied all transactions and no further details did they tell me. I Don't own a XXXX nor do I keep my pin anywhere for someone to have. Chime is unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was surprised to find a late payment listed on my account, especially given my consistent history of timely payments. This error is causing undue stress, and I kindly request that you correct my records promptly.

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 2025-08-21 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: FL

Complaint narrative:
I have available over XXXX on my XXXX, my balance was XXXX $ .I added XXXX to the balance and transunion dropped my FIOS score XXXX XXXX.I am useing 4 % of available credit on all cards. I have never been late with any payment .My FIOS score was XXXX XXXX reported by XXXX was not to be posted till XX/XX/XXXX XXXX was paid prior to XX/XX/XXXX XXXX believe i am being harassed as this is redicilous. I have never had any kind of defrag on my credit.Please help as i am in the market to purchase a new home.

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 2025-08-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/scrub> 2025, I transferred {$500.00} to XXXX, but the recipient never received the money. I have contacted your customer service several times to reclaim my funds, but I have not received any updates or resolution. 
{$500.00} is a very large amount for me, and I am extremely concerned that this issue has not been resolved after many months. Please investigate this matter immediately and provide me with a clear update or a refund as soon as possible. 
Transaction Details : Amount : {$500.00} Date : XX/XX/year>2025 Destination : XXXX Remittance ID : 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I am writing to file a complaint regarding a debt collection message I received on XX/XX/year>. The message referenced a debt that does not belong to me. Receiving communications about another persons debt is concerning and raises issues of accuracy and privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Figure Technologies, Inc
State: NJ

Complaint narrative:
I sent a letter to Figure Lending LLC on XX/XX/XXXX explaining that the a Past Due Payment was reported inaccurately to the credit reporting agencies. 

On letter XX/XX/XXXX Figure Lending LLC responded indicating that they had looked into the issue and agreed with me. See excerpt from letter below : " Response : Using the information and documentation provided in the dispute, we have initiated an investigation into the current reporting status of your Figure account. 
We have determined that the Account Status was inaccurately reported as 30 - 59 days past due as of XX/XX/XXXX. 
Weve updated this information to reflect a payment status of Current as of XX/XX/XXXX and have provided further details below. 
Action Taken : We submitted an Automated Universal Dataform ( AUD ) through e-Oscar - an online credit disputing system - to update the Account Status in accordance with your request. 
This correction will be distributed to the credit reporting agencies named in your dispute. 
In the future, your Account Status will be reflected as Current or 0-29 Days Past Due. '' Although XXXX  and XXXX  credit report agencies were updated, the late payment still shows in XXXX. I have contacted XXXX  and Figure Lending LLC multiple times. XXXX  keeps resolving the issue to " no change required ''. As of XX/XX/XXXX the late payment still shows incorrectly in XXXX  and impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
I recently reviewed a copy of my credit report and I noticed that I had fraudulent accounts on my report. Please remove these fraudulent accounts from my report as they are hurting my ability to obtain credit.

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 2025-08-21 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: TX

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$46.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$440.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$22.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$78.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$23.00} XXXX  XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$52.00} XXXX XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$530.00} XXXX XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$150.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I am writing to formall

y dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable. Despite my efforts to resolve this matterincluding submitting dis
pute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
Upon reviewing my credit files, I have noticed that XXXX XXXX is misusing and inaccurately reporting my account information across the three major credit reporting agencies. Specifically : Equifax : Reporting on-time payments, except for XX/XX/XXXX, and XX/XX/XXXXXXXX  shows no reporting at all. 

XXXX  and XXXX  : No reporting of my account whatsoever. 

This inconsistency and incomplete reporting are highly damaging to my creditworthiness and negatively affect my ability to obtain credit from lenders. 

Per 15 U.S. Code 1681e ( b ), 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.

Your failure to provide consistent and accurate reporting to all credit bureaus violates this standard and misrepresents my credit history. 

I am formally requesting that you immediately investigate this matter and ensure that the information for my account is reported accurately and consistently across all three credit reporting agencies ( Equifax, XXXX, and XXXX  ). Please provide written confirmation once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: KS

Complaint narrative:
I have filed a PSLF on my student loans. I have consolidated, met my 10 years of service and 120 payments. I have notified the XXXX XXXX XXXX. XXXX  that they are missing payments from XXXX ( Payments that were made to XXXX XXXX XXXX XXXX  or any other service provider during that period of time is not noted. ) I had to file multiple employment verifications after they continued to incorrectly note my years of service. ( I have been in service for 20 years. ) They have requested documentation when they should reflect those payments through the loan servicers. In the meantime they are charging me interest. I in turn have overpaid on my loans and am due that money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: OR

Complaint narrative:
I received a child support card in the mail unexpectedly and contacted reliacard to confirm it. I was told there was approximately {$500.00} on the card since XXXX  unused. And over the years of non use maintenance fees deducted left remaining balance of {$34.00}. I was unaware of these fundsnever received a statement, prior notification of any kind. Believe me that as a single parent and even stillmy daughter is entitled to her full benefits. I was able to have {$20.00} of maintenance fees waived and returned. My daughter has lost approximately {$450.00}. This is wrong!!!! Shame on this system and its ability to take money from a child and over the span of 10 years not ensure we were aware of this balance. 
Please contact me with any questions!! I welcome assistance to right this wrong. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation