vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: NC

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 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 2025-10-09 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: NC

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 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 2025-10-10 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: CA

Complaint narrative:
Incorrect Information and Unauthorized Security Freeze on My TransUnion File Dear CFPB Team, I am writing to report an issue with my TransUnion credit file. Someone appears to be using my personal information and has placed a security freeze ( credit freeze ) on my file without my authorization.

The screenshot attached shows a verification request that is not connected to my current phone number or email address. This suggests that unauthorized access has occurred.

I would like TransUnion to : 1. Verify that the freeze and contact information were added by me.

2. Remove any unauthorized freeze or access restrictions.

3. Secure my file aga y further unauthorized activitv.

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 2025-10-10 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: WA

Complaint narrative:
I hope this message finds you well. I am reaching out to follow up on the correspondence I previously sent regarding an accounts that reflects a late payment. Upon reviewing my credit report, I noted an entry indicating a late payment, and I am writing to request that Experian, Equifax, and TransUnion credit bureaus correct this error promptly. It is imperative that these accounts be accurately represented on my credit report to ensure the integrity of my financial profile. Therefore, I kindly ask for your assistance in rectifying this matter. Below, I have outlined the specific details of the accounts that require correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NC

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

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

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 2025-10-09 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: NC

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

All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Selene Holdings LLC
State: FL

Complaint narrative:
The company is altering my original agreement with XXXX as per " post XXXX FHA Guideline ''.. They are insisting the " XXXX FHA Guideline '' that I must be delinquent and now stating that I owe {$12000.00} and will be placed on the back of my loan. This is unacceptable as I was current in my account when I requested for assistance with Dovenmuehle due to medical hardship and had an agreement of XXXX would be XXXX yrs and nothing will be placed on the back of my loan after I they approved me on the trial payment. I have emailed them in response to their letter of attachment to this case. Below is the body of my email : Dear Selene XXXX, I am writing to dispute and formally request clarification regarding your handling of my Trial Payment Plan and pending loan modification. This has been ongoing since XX/XX/XXXX. On XX/XX/XXXX, Selene Finance issued a Florida Partial Claim Note and Modification, stating that a past due balance of {$12000.00} would be placed on the back of my loan, contingent upon my execution of the Note and Mortgage by XX/XX/XXXX. To date, I have not executed this agreement, as I require clarification before proceeding. At the time I requested and entered into the Trial Payment Plan with XXXX, I was current on my account. The plan was approved on the basis of a medical hardship, and my loan term was extended from 15 years to 30 years. It was never represented to me that I needed to be delinquent, nor was I informed that any past due balance would be added to the back of my loan. Your current position that I must be behind on payments in order to receive a permanent modification is inconsistent with my original agreement and my understanding of FHA guidelines. Accordingly, I have written to XXXX XXXX  requesting a copy of the FHA guideline ( XXXX ) confirming that borrowers may be current and still qualify for a Trial Payment Plan due to medical hardship. I therefore request the following from Selene Finance : Written explanation and documentation supporting your position that delinquency is required for my FHA Trial Payment Plan to convert to a permanent modification. Full accounting of the {$12000.00} past due balance, including how this amount was calculated and why it is being placed on the back of my loan, when my agreement with XXXX did not provide for such a balance. Clarification of investor guidelines you are applying in this case, and how they differ from the FHA guideline under which my original plan was approved. Please note that I am not waiving any of my rights under applicable federal and state law, and I am seeking full transparency before signing any documents that may alter the terms of my mortgage. I look forward to your written response addressing these concerns.

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

Complaint narrative:
I attempted to use a Non-Chase ATM Machine to take out XXXX as in a XXXX  XXXX  which equals I guess {$220.00} when I attempted I got a error on the ATM Screen but no Money. This Happened twice I then tried a lower amount which equaled {$110.00} that was successful. 

I then noticed 2 days later that my account was deducted {$220.00} XXXX XXXX as well as the {$110.00}. For a total of {$2300.00} I immediately contacted them and filed a Claim/Dispute for every single one. 

Claim Numbers : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX All claims are closed. I won ALL of them except 3 of them so since they had issued me temporary credits they STOLE {$670.00}. 

I contacted them IMMEDIATELY to demand an Appeal and to request any and all information used to come to this INCORRECT decision. But my request have been ignored. Have contacted via their secure message, XXXX 

I went to County Court Website for Small Claims Court to get info on filing a Suit and instructed me to send a 10 Day Demand Letter which I sent to them via Secure Messaaging, XXXX  and Certified Mail with Return Receipt requested, as well as Fax Machine. It also has gone totally ignored and 10 day time limit expires at end of business day tomorrow XX/XX/year>. 

So now if you can not resolve this issue I will have no other choice but to file Lawsuit but will be requesting more then the {$670.00} owed

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I have requested this account to be removed! I get harassed on the daily!!! Im scared for my life and my children ; s life

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CBC Companies, Inc.
State: NJ

Complaint narrative:
I have previously disputed with XXXX XXXX  and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor 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 badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXXXXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX  XXXX BANKRUPTCY XXXXXXXX XXXX XXXX XXXX XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
They wrongfully added a collection to my credit report and I want it to be removed because I do not recognize the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I deposited my first payroll cheque from the XXXX XXXX XXXX XXXX XXXX ( XXXX  ) into my BMO Harris account. This is a XXXX XXXX  cheque from one of the largest and most established public-school districts in California. 

BMO placed a seven-business-day hold on the deposit, which should have ended by Friday, XX/XX/XXXX. However, when I contacted customer service, I was told the funds would not be released until Monday, XX/XX/XXXX ( or later ) effectively a hold of ten calendar days or more. 

I have contacted BMO repeatedly by phone and email. Each time, I received inconsistent and vague explanations : one agent said the cheque required back-office review, another said after seven days, yet no one could provide a valid or compliant reason for such an extended hold.

After several calls, I received a written letter from BMO Harris Bank stating that they have confidential information leading them to believe the deposited funds may not clear. This claim is unfounded and misleading, as the cheque was issued by the XXXX XXXX XXXX XXXX XXXX, a verified XXXX public employer. Such a statement demonstrates a lack of due diligence and a serious misunderstanding of the source of the funds. 

Although this was my first paycheque from XXXX, it is from a reputable government institution, and there is no legitimate risk of non-payment. There is also no compliance justification under Regulation CC ( Availability of Funds ) for a delay of this length. 

Because of this unjustified hold, I have been unable to access my salary, pay bills, or cover essential expenses. My phone service is at risk of suspension, I have had to cancel a housing viewing, and the situation has caused significant XXXX  and XXXX. 

I respectfully request that the CFPB investigate BMO Harris Banks handling of this deposit, determine whether the extended hold violates Regulation CC, and require BMO to release the funds immediately. I also request written confirmation from the bank explaining the rationale for this excessive and damaging delay.

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 2025-10-10 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: NC

Complaint narrative:
Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurat-information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this By provisions of 15 US section 168li of the Fair Credit Reporting Acr these items need to be investigated. Please provide me with proof of thes items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

+ The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : XXXX Account Name : [ Account Name ] & Account Number : [ Account Numberl This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge 3 4 off for tax purposes and please update my credit report accordingly or delete immediately. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Ac please provide me with the description of the procedure used to determi the accuracy and completeness of the information, to be provided within XXXX For credit accounts if XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove this account from my credit reports due to violations in these consumer laws

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 2025-10-10 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: NC

Complaint narrative:
Concern, This letter is a formal complaint that you are reporting completely inaccurate and misleading information on my credit report. This inaccurat-information is not only stopping me from obtaining credit, it is damaging my financial well-being and seriously hurting my character. 
Enclosed with this letter are the details of the account in dispute, with all of my personal information to verify my identity to help expedite this By provisions of 15 US section 168li of the Fair Credit Reporting Acr these items need to be investigated. Please provide me with proof of thes items, specifically the contract bearing my signature. Failing that, please update the record to show as PAID IN FULL/AS AGREED or REMOVE this item from my credit report as soon as possible. This is a very serious matter affecting my everyday life.

+ The outlined item is completely inaccurate and a very serious error in reporting. Please update this information : XXXX Account Name : [ Account Name ] & Account Number : [ Account Numberl This account is listed as a collection/charged off account on my credit report but I have never received a 1099C for this charged off debt. Can you please provide me with a 1099C to accurately reflect this as a charge 3 4 off for tax purposes and please update my credit report accordingly or delete immediately. 
Pursuant to 15 US section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Ac please provide me with the description of the procedure used to determi the accuracy and completeness of the information, to be provided within XXXX For credit accounts if XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please remove this account from my credit reports due to violations in these consumer laws

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

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-10-09 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: CA

Complaint narrative:
XXXX XXXX falsely reported a repossession on my credit report ( Account XXXX. XXXX ). I never opened, authorized, or had any relationship with this account. This is a clear case of identity theft and/or a reporting error. 
I have submitted a formal written demand to the credit bureaus ( Equifax, Experian, and TransUnion ) requesting the immediate and permanent deletion of this fraudulent entry under 15 U.S.C. 1681c-2, which requires removal of identity theft information within four ( 4 ) business days.

Despite providing a valid FTC Identity Theft Report, government-issued ID, proof of Social Security number, and proof of current address, the bureaus, particularly Equifax, have failed to properly investigate and delete the false information. This failure constitutes willful noncompliance under 15 U.S.C. 1681n, making them liable for statutory damages of at least {$1000.00} per violation, plus any actual damages.

Company response to consumer: Closed with explanation