vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-15 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: CA

Complaint narrative:
Subject : Formal Dispute or Inaccurate Information on My Credit Report Dear Credit Reporting Agency ( s ) : I am writing to formally dispute inaccurate information on my credit report that I believe harms my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as federal law requires. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against the credit reporting agencies for its failure to properly investigate consumer disputes, citing sham investigations and/or other unlawful practices. These practices, as outlined by the CFPD, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit repairs. I am deeply concerned that my dispute may be mishandled similarly.

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 2025-03-15 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: CA

Complaint narrative:
Subject : Formal Dispute or Inaccurate Information on My Credit Report Dear Credit Reporting Agency ( s ) : I am writing to formally dispute inaccurate information on my credit report that I believe harms my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as federal law requires. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against the credit reporting agencies for its failure to properly investigate consumer disputes, citing sham investigations and/or other unlawful practices. These practices, as outlined by the CFPD, include : Conducting inadequate investigations that fail to address consumer disputes properly. 
Reinserting previously disputed and inaccurate information without explanation. 
Failing to notify consumers about investigation results effectively These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit repairs. I am deeply concerned that my dispute may be mishandled similarly.

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 2025-03-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
in my TransUnion report i have 2 fraudulent hard inquiries from XXXX XXXX XXXX and 1 fraudulent hard inquirie from XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i sent 2 letters with my informationcopy of my Social Security card , ID, a bill confirming my address which they received and they answer was a letter explaining the identity theft and they put a fraud alert, i called TransUnion and they told me that i have to communicate with the bank and do the investigation, i sent a second letter and they answered the same and i received a letter from XXXX XXXX XXXXXXXX indicating that i must contact the credit agency, the 2 inquiries are fraudulent and still reporting on my credit report after 45 days, i received a letter from XXXX saying that they will not continue with the application and i put this information on the letter and that inquirie is on my credit report

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 2025-03-15 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>, my Chase bank checking account had been charged {$1500.00} from XXXX XXXX. I had contacted XXXX first to then find out my account with XXXX had been compromised and someone had gotten access to my account and changed my account login information, making me unable to login. I have a direct deposit setup with XXXX and my Chase bank checking account. Which allowed the person who accessed my account to withdrawal money from my checking account without my authorization. I then contacted Chase on XX/XX/year> and set a claim up with them and explained the situation as to how I didnt authorize the payment to XXXX securities and how my account with them had been compromised. Then on XX/XX/XXXX, they responded to the claim and denied saying that because I had a direct deposit with them they couldnt move forward with the claim. I had also asked Chase to unlink my account to the XXXX app and they havent done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: WA

Complaint narrative:
Recently, I reviewed my credit report from Transunion and found some fraudulent accouts. 
Please remove these accounts from my credit report. 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 2025-03-15 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:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in XXXX. My name is XXXX XXXX, and XXXX believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. Sincerely, XXXX XXXX. 

Account Name : XXXX XXXXXXXX XXXX  XXXX Account XXXX : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account

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 2025-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: KY

Complaint narrative:
Im suppose to have a fixed mortgage and seems every year MR Cooper mortgage company increases my payment saying its because of escrow increases. I have contacted my insurance company ( XXXX ) and there is no increase with insurance and I am 100 % tax exempt XXXX veteran as taxes go. They have destroyed my credit by rejecting my regular payment the first time they did this, increasing my mortgage by 110 % ( mortgage went from {$800.00} to {$2000.00} ) now they are doing it again and I cant breathe financially anymore. Please please please any help!!!!!???

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: WI

Complaint narrative:
The dates dont align with the payments and the payments were made beforehand, which is on time and made in the same month one month XXXX was paid and negotiated to pay the balance in full and there would not be late payments, yet the company did not honor their word or payment plan.

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 2025-03-15 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: MOHELA
State: IA

Complaint narrative:
XXXX XXXX has violated my privacy by accessing my private data through the department of education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
My loan originated in XXXX as a XXXX XXXX XXXX for the purchase of my home. Shortly thereafter, it was assigned to XXXX  XXXX XXXX due to the Great Financial Crisis and subsequent failure of XXXXXXXX XXXX 

Since then, my loan has been sold over and over several times in the past 17 years and nobody has ever been able to provide me with an accurate accounting of my payments and how the money has been applied to my loan. 

In XXXX my home was put into foreclosure status, and has remained there ever since. 

Over the past 17 years I have attempted to contact the many mortgage servicers to reconcile the situation with little to no success. 

I have been forced to file XXXX XXXX  bankruptcy twice ( XXXX & XXXX ) in order to stop attempted foreclosure sales of my home. 

Over the past 17 years, I have paid XXXX of XXXX of dollars in mortgage payments and attorneys fees to save my home from foreclosure and still do not have a clear understanding of where and how payments have been applied to the loan. 

The loan is currently with a company called Fay Servicing who claims to be a Loan Servicer for the actual borrower who is listed as XXXX XXXX 

I have contacted XXXXXXXX XXXX dozens of times and they claim to have no records whatsoever regarding my loan, my property, my name, nor my social security number. 

At this point, I feel helpless, at the mercy of whomever claims to be the responsible party for this loan. 

Please Help!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MS

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : LVNV FUNDING LLC Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX Your NAME : XXXX XXXX Your address : XXXX XXXX XXXX, XXXX, XXXX XXXX Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt. 

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: GA

Complaint narrative:
This is the same person who has previously been trying to prove a point that Cashapp the company has closed my account for no reason whatsoever and they keep saying that i violated my terms of service linked to my first account however I had provided my account statements from 2024 to this year and I dont be on cashapp like that so its pointless to closed my account without providing an explanation to how i violated the terms of service and rather not give me no explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-16 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: LA

Complaint narrative:
am writing this letter to exercise my rights as a consumer under the relevant laws, including the Fair Debt Collection Practices Act ( 15 USC 1692g ) and the Metro 2 laws, to dispute the alleged debt that you claim I owe. I kindly request that you provide me with verification of this purported debt. In accordance with the laws, I expect you to furnish proof that this debt is indeed mine. To satisfy the verification requirements, I demand a formal declaration, duly notarized, from an individual with first-hand knowledge of the matter, attesting to the accuracy of the statements and facts associated with this debt XXXX  Account Number : XXXX - Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Opened : XX/XX/XXXX - Current Status : {$1000.00} past due as of XX/XX/XXXX. 

XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX XXXX XXXX 
- Date Opened : XXXX XXXX, XXXX- XXXX XXXX : XXXX account. {$710.00} past due as of XX/XX/XXXX. XXXX XXXX {$710.00} XXXX XXXX XXXX - Account Number : XXXX - Original Creditor : XXXX XXXX  - Date Opened : XX/XX/XXXX - Current Status : Collection account. {$960.00} past due as of XX/XX/XXXX. Status Updated XX/XX/XXXX Dispute of Fraudulent Account Due to Identity Theft I am writing to dispute an account that has been fraudulently opened in my name. The account details are as follows : I did not open this account, and I am a victim of identity theft. Enclosed, please find a copy of my FTC Identity Theft Report and proof of my identity. I request that you investigate this matter, close the account, and confirm in writing that I am not responsible for any charges associated with this account. 

Additionally, I request that you cease reporting this account to the credit reporting agencies and remove any related negative information from my credit report as required by the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the actions taken.

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 2025-03-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
there are fraudulent inquires and address on my credit reports, the credit bureaus are unlawfully reporting unauthorized inquires on my consumer report. I did not give permission to access my credit profile

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 2025-03-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: OK

Complaint narrative:
On XX/XX/year>, XXXX XXXX instructed his team of Department o Government Efficiency ( DOGE ) to gain access to multiple internal systems within the Department of Education, including financial aid dataset that contains the personal information of millions of students enrolled in the federal student aid program. My information was among that dataset that has been compromised. The Family Educational Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-15 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: GA

Complaint narrative:
Subject : Dispute Related to Social Security Breach Dear Sir/Madam, I am writing to formally dispute any inaccuracies in my Social Security account resulting from the breach that occurred in 2024. My name is XXXX XXXX I believe that my personal information has been compromised, leading to unauthorized access and potential fraudulent activities. I request that you conduct a thorough investigation into my account and take the necessary steps to correct any discrepancies that may have arisen from this incident. Enclosed with this letter are copies of any relevant documents that support my claim, including [ list any relevant documents, such as identification or notices ]. I appreciate your prompt attention to this matter and look forward to your response. Thank you for your assistance. Sincerely, XXXX XXXX. 

Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NV

Complaint narrative:
Per my credit report from Equifax, TransUnion, and Experian ; they are reporting inaccurate information. Inaccurate information is reporting on my credit profile and is causing me to be denied purchasing a home as a retired Veteran. I'm requesting that the credit bureaus validate the debt by request the completed contract that was signed with a WET signature. I have been overseas per my military obligations. I am now retired and I and requesting that the credit bureaus not electronically verify, but to request from the company 's to provide a contract showing that I requested the company 's product and a signed contract with a WET signature on the contract. I received letters from company 's that stated that I was a part of several data breaches and my information is on the dark web XXXX. XXXX XXXX - Account : XXXX XXXX. XXXX XXXX - Account : XXXX XXXX. XXXX - Account : XXXX XXXX. XXXX - Account : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-15 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: NV

Complaint narrative:
Per my credit report from Equifax, TransUnion, and Experian ; they are reporting inaccurate information. Inaccurate information is reporting on my credit profile and is causing me to be denied purchasing a home as a retired Veteran. I'm requesting that the credit bureaus validate the debt by request the completed contract that was signed with a WET signature. I have been overseas per my military obligations. I am now retired and I and requesting that the credit bureaus not electronically verify, but to request from the company 's to provide a contract showing that I requested the company 's product and a signed contract with a WET signature on the contract. I received letters from company 's that stated that I was a part of several data breaches and my information is on the dark web XXXX. XXXX XXXX - Account : XXXX XXXX. XXXX XXXX - Account : XXXX XXXX. XXXX - Account : XXXX XXXX. XXXX - Account : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) Account : 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