vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-20 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : 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 2025-10-20 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: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four 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 XXXX XXXXXXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I bank with chase, on friday the XXXX of XXXX someone withdrew all of my funds from an atm, someone not authorized at the chase atm in XXXX XXXX, which is unlikely to be me or anyone i know given the fact i live in XXXX, 2 transactions happened one for XXXX dollars, second one for XXXX dollars, i opened a claim with chase as soon as i found out, however since the transaction was through an atm, my claim was denied, i already have a police report filed for this for these trnsactions were not authorized by me and chase confirmed to me that they had there hands tied in this situation, was informed to figure it out outside of chase, attempted to file another claim under the stolen identity criteria however a chase representative informed me they could not file another claim for the same transactions and could not do anything else to accomodate the situation, my police report casd number is XXXX and currently do not know how else to proceed for chase does not seem to care about my funds being stolen from my account on a situation in which it was not possible for me to be at the place it happened

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: CT

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility. 

You are required under the Fair Credit Reporting Act ( FCRA ) to ensure that all information reported is completely accurate and verifiably associated with the correct consumer. In this case, that standard is clearly not being met. This is a violation of my rights, and I wont accept inaccurate data remaining on my file for even one day longer than necessary.

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 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LJ Ross Associates
State: VA

Complaint narrative:
I am filing this complaint because L. J. Ross is inaccurately reporting a collection account on my credit report for a XXXX XXXX account that is paid in full and tied to an old address. I provided proof of payment to the credit bureaus, including bank records and XXXX confirmations, yet this collection is still being reported as past due with a balance and negatively affecting my score. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) 602, 607, and 611, which require data furnishers to report only accurate and verifiable information, and to correct or delete inaccurate data after receiving proof. It is also a violation of the Fair Debt Collection Practices Act ( FDCPA ) to continue reporting a debt as owed after it has been paid. 

This same item was previously removed by XXXX, which further proves it is inaccurate and should not be on my credit at all. It appears the account has been reinserted or updated improperly, which is illegal without proper certification and notice to me under FCRA 611 ( a ) ( 5 ). 

The continued reporting of this paid account is causing financial harm, including denial and delays of mortgage refinancing and credit opportunities. I am requesting that this item be permanently deleted from all three credit bureaus ( XXXX XXXX XXXX ) and that XXXX and L. J. Ross immediately cease furnishing inaccurate or outdated information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

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 2025-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding my auto loan with XXXX XXXX. 

I have been on auto pay with XXXX XXXX since the inception of my loan. However, as of XX/XX/year>, I was unexpectedly removed from auto pay without my knowledge or authorization. This caused my account to become delinquent, which then triggered a repossession attempt on my vehicle. As a result, a {$200.00} repossession fee was assessed to my account. 

Once I became aware of the delinquency, I took immediate action. By XX/XX/year>, I brought my account current. On XX/XX/year>, I spoke with a XXXX XXXX XXXXepresentative regarding a late balance. During that conversation, I again brought my account current, and the representative assured me that the {$200.00} repossession fee would be removed so that I could resume auto pay. 

Despite my compliance and efforts to resolve this matter, I remain concerned about : Why I was removed from auto pay without notification. 

The negative impact to my account and credit due to this issue. 

The accuracy and fairness of the {$200.00} fee assessment. 

I request that XXXX XXXX  : Remove the {$200.00} repossession fee from my account, as their representative promised. 

Restore and maintain my auto pay enrollment. 

Correct any negative credit reporting associated with this issue. 

I have acted in good faith to keep my account current and should not be penalized for an auto pay error outside of my control.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-20 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: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/year>, I had 30 fraudulent transactions on my account from XXXX * Store in XXXX, Wa and XXXX XXXX. Each transaction was for XXXX, XXXX and XXXX. Adding up to {$700.00} dollars. I have contacted the bank BMO XXXX XXXX, XXXX and they put in a fraud claim. They have given me {$200.00} good faith money. But as if now it it 40 days now and nothing has happened. I called today and the lady I talked to said she would put in another claim for the rest. I dont understand why its taking so long to get my money back. Thank you 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 non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
Although the complaint category I selected referenced financial hardship, the core issue here is that the mortgage servicer and foreclosure attorney have repeatedly violated my legal rights under the FDCPA, RESPA, and CFPB servicing rules. 

I submitted multiple debt validation requests via certified mail, asking for basic, lawful documentation : name and address of the current creditor, original note, payment history, chain of title, assignments/securitization details, legal authority to collect, and a breakdown of all charges and fees. 

Despite confirming receipt, they refused to provide the requested information, continued foreclosure actions while the loan is under dispute, and even claimed I wasnt entitled to the documentation I had lawfully requested, which is flatly false under 15 U.S.C. 1692g and 12 CFR 1024.41. 

In addition to this failure, representatives came to my private home on two separate occasions, XX/XX/XXXX and XX/XX/year>, to tape foreclosure warnings to my door. The foreclosure attorney later admitted only one such notice is required by law ( Utah Code 57125 ( 1 ) ( b ) ), meaning the second visit was unnecessary and served no legal purpose. This repeated conduct caused emotional distress for my family and constitutes a clear pattern of harassment, intimidation, and public shaming. 

I was fully engaged in communication with both Shellpoint and the attorneys office throughout this time, including notifying them of my CFPB complaint, and they still proceeded as if my legal rights and dispute process meant nothing. 

I am respectfully asking that the CFPB investigate this further, as my lawful request for validation was dismissed, I was misled about my rights, and my family has been subjected to repeated and escalating abuse of process during a time we were actively seeking legal clarity.

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 2025-10-20 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: NJ

Complaint narrative:
XX/XX/XXXX - {$6200.00}- Mohela On XX/XX/XXXX, I received a notice stating that several of my loans were delinquent and being referred to collections. This was the first and only communication I received regarding overdue payments since enrolling with their services on XX/XX/XXXX. Both my digital and paper account statements have consistently reflected that all loans were in deferment from the date of enrollment through XX/XX/XXXX. 

When I contacted a representative, I was informed that they could not immediately provide written confirmation regarding the status of my account or the ongoing investigation. I was also advised that the investigation process could take up to 120 days. Additionally, the representative was unable to confirm that my loans would be protected from collections during this period, which raises serious concerns about potential impacts on my credit and my eligibility for Public Service Loan Forgiveness ( PSLF ).

Company response to consumer: Untimely response
Consumer complaint received 2025-10-20 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: AL

Complaint narrative:
The listed entries remain unverified and appear inaccurate. Despite numerous efforts to have these discrepancies properly addressed, no substantial action has been taken. I have submitted all necessary documentation and followed up multiple times, yet the errors continue to appear. This ongoing inaction has resulted in financial difficulties and has negatively impacted my overall well-being. The mental and emotional strain caused by these unresolved issues has been considerable. Under the Fair Credit Reporting Act ( FCRA ), I have the right to an accurate and fair credit report, which includes the removal of any incorrect or unverified information. I strongly urge you to take prompt action to investigate and correct these items, as continued failure to do so may constitute a violation of my rights under federal 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 explanation
Consumer complaint received 2025-10-20 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: VA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: TX

Complaint narrative:
I am extremely frustrated to see that inaccurate late payments are still appearing on my credit reports this morning. I refreshed my browser and nothing changed. I need the documents I submitted to be carefully reviewed immediately so I can stop stressing about this ongoing issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
I sent a letter to all bureaus and to each consumer asking for original purchase documentation and it was never received. Only update I got, was that the information is accurate. It is not correct, as I notified any creditor of cancellation and then months later I receive amounts owed into collections. The bottom line is I have requested all documentation in regards to the collection account on my report and never got that documentation. Please remove immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: IL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-10-20 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: IL

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: DC

Complaint narrative:
Chime app froze and never came back online and stole money while frozen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
XXXX Date : XX/XX/year> Dispute : National Credit Account # XXXX {$890.00} To Whom It May Concern, I am formally filing a dispute under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) regarding an alleged debt currently being reported by National Credit for {$890.00} under reference/account # XXXX. 
I do not acknowledge, confirm, or accept this debt and hereby demand full validation pursuant to 15 U.S.C. 1692g ( b ). Until legally validated, any collection activity or credit reporting must cease under 15 U.S.C. 1692g & 1692e. 
I am requesting the following documentation, all of which is REQUIRED under federal law before collection or reporting may continue : A copy of the original signed contract or agreement bearing my wet signature A complete breakdown of how the alleged {$890.00} was calculated The name and address of the original creditor, including account opening date Proof that National Credit is legally authorized to collect or has ownership of this debt Where payments are legally required to be remitted, if valid If National Credit or any data furnisher can not fully validate this debt within a reasonable timeframe, you are required under 15 U.S.C. 1681s-2 ( b ) to immediately delete this account from all consumer reporting agencies ( XXXX XXXX XXXX  ) . 
This is an urgent compliance notice. 
I am asserting my rights under 15 U.S.C. 1681i and 1692g and expect confirmation of your investigation and corrective action. 
Please provide all responses in writing only to the address above. 
Thank you for your immediate attention to this matter. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 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: NC

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
Navy Federal Credit Union is reporting an account on my credit report that I have disputed multiple times. Despite my prior disputes and requests for verification, they have never provided documentation or proof that the account or balance is accurate. This account continues to appear on my credit report without verification. Reporting unverified or inaccurate information is a violation of my rights under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i and 1681s-2 ). This account is negatively affecting my credit and is inaccurate and unverifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: FL

Complaint narrative:
I have reviewed my credit repoet and found these unverified items. Please remove, update or correct these items.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-20 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: WA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation