vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-05 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-05 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:
XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}

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 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Friday, XX/XX/XXXX, I completed a XXXX transfer in the amount of {$2000.00} from my XXXXXXXX XXXX account to my Chase Bank account, concluding with account number XXXX. As of XXXX XXXX XXXXhat evening, the funds had not yet been deposited into my Chase account. I received an email from Chase stating that I had received the {$2000.00} from XXXX and that the amount had also been deducted from my XXXX checking account. I contacted Chase to clarify the situation, and they informed me that there was nothing they could do on their end, advising that I needed to reach out to XXXXXXXX XXXX. I subsequently contacted XXXXXXXX XXXX and submitted a claim, numbered XXXX. XXXXXXXX XXXX reached out to me the following day to inform me that my claim had been denied and that I needed to contact Chase Bank once more. After speaking with numerous representatives and remaining on the phone for over an hour and a half, I found myself no closer to resolution, with no one willing to assist me again. I was instructed to call XXXX. I have the impression that both banks are deflecting responsibility onto each other, and I am currently facing a negative balance in my Chase bank account, with bills due for payment. I acknowledge that both banks maintain E & O ( Errors and Omissions ) accounts, designated for situations such as this, yet neither has utilized these resources. I sincerely hope you can provide assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I bank at Chase. In XX/XX/year> I mailed my landlord a check. The check was stolen in the mail and cashed at a XXXX XXXX. 
We initiated a fraud dispute. The claim was denied because the check was cashed by a thief. We should not be liable for fraud. The landlord and myself both signed sworn affidavits saying we were robbed. Instead of protecting my money, chase has allows me to be stolen from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
PHH used a third party to post papers on my gate again stating I have a sale la date for XX/XX/XXXX. I called in to PHH on XX/XX/XXXXXXXX  to confirmed the status of my account and they told me I did not have a sales date. When I saw the papers posted on my gate XX/XX/XXXX I called in again to inquire why are they having a third party harass me again the resolution rep confirmed again I do not have a sale date. 

PHH has tried to fraudulently claim my home Vacant last year. I have evidence of all the calls of lies and disrespect and unprofessional interactions. I believe so PHH reported my grass being overgrown last year XXXX and also recently XX/XX/XXXX. I am being harassed while trying to save my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: AL

Complaint narrative:
I called Equifax and notified them that there was improper inquiries and report on my credit. The Equifax rep asked me to verify my name, Date of birth, address and phone number. I provided all information and was then verified. After reviewing the inquiries and the 30 day late report, the rep stated there was nothing he could do

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are XXXX  and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I received letters from lawyers stating Navy federal is trying to sue me. This debt has been charged off and paid by being sold to a collection agency. I want a validation of credit and original contract with wet signature that I owe this money to collection company.

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 2025-06-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report. 
Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ).

"

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 2025-06-05 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: KY

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 2025-06-05 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: KY

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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
On multiple occasions, I have the debt collector to stop calling me. I asked for a purchase agreement on XXXX XXXX, 2025. No purchase agreement was ever given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 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: VT

Complaint narrative:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX VT XXXX Please delete and block the following accounts from my credit report Accounts XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7700.00} XXXXXXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} Inquiries XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  Date : XX/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 non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
b'Summary of the Issue\nXXXX XXXX XXXX XXXX  I attempted to make a payment of XXXX to my active credit card (ending in XXXX) using the Bank of America mobile app. However, due to the presence of an expired payee still listed as active in the app, the payment was misrouted to a closed card (ending in XXXX).\n\nPayment Confirmation Number: XXXXnIntended Recipient: Active Credit Card XXXX XXXX XXXX XXXXnErroneously Sent To: Expired Card ending in XXXXDate of Transaction: XXXX XXXX XXXXAmount: XXXXThis occurred due to a defect in the Bank of America mobile app, which displayed and allowed selection of expired cards. The expired card should have been deactivated from the payee list.\n\nBanks Mishandling and Consumer Harm\nUpon discovering the issue, I contacted Bank of America. I was first told by a manager that it would be resolved within 710 business days. On follow-up, a second manager told me the issue could take up to 60 days, and no provisional credit was provided during the review period.\n\nThis delay and lack of interim protection is causing significant financial impact, including the risk of delinquency on the valid account. Additionally, the bank has not provided a clear path to escalate the issue or accept accountability for the defect in its system.\n\nRegulatory Concerns\nI believe Bank of America has violated the following:\n\nElectronic Fund Transfer Act (Regulation E): Specifically 1005.11, which outlines requirements for error resolution and provisional credit during investigation.\nCFPB and OCC guidelines on fair banking practices and consumer protection, including timely correction of bank errors and maintaining safe, transparent digital banking tools.\nFailure to mitigate known UI/systemic risks by allowing expired payees to remain selectable, resulting in direct consumer harm.\nRequested Regulatory Actions\nI respectfully request that your office:\n\nInvestigate this matter and the broader risk it poses to other consumers.\nEnsure Bank of America provides immediate correction of the XXXX  misdirected payment and applies it to the correct account.\nConfirm that provisional credit is issued in accordance with Regulation E during dispute resolution.\nRequire Bank of America to remediate the app design flaw to prevent future occurrences.\nDetermine if systemic noncompliance or consumer risk exists in their mobile payment infrastructure.\nMy Contact Information\nName: XXXX XXXXAddress: XXXX XXXX XXXXEmail: XXXXPhone: XXXX XXXXBank: Bank of America, N.A.\nAccount Ending: XXXXnThank you for your attention to this matter. I am also sending a copy of this complaint to Bank of Americas Office of the CEO.\n\nSincerely,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 2025-06-05 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:
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!

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 2025-06-05 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-05 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: CA

Complaint narrative:
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!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Prosper Marketplace, Inc.
State: KS

Complaint narrative:
So in XXXX I found bankruptcy however my credit card company prosper did not close my account due to the bankruptcy. XXXX assuming that their department was behind in notifications so they close my account in XXXX for bankruptcy however by that time my bankruptcy was voluntarily dismissed. I called the company. I explained that to them I sent them proof that my bankruptcy was dismissed by me. I understood they could not open my account back up. I was totally fine with that, however Going forward they told me starting in XXXX when I tried to make my payment that they could not accept payments from me. They can only accept them from a trustee. I no longer had a trustee I sent them all of the documentation that they asked for me. They still will not accept payments for me. This all begin in XX/XX/XXXX so they begin reporting late payments to my credit report after advising me that they could not take payments for me. I called in multiple times. I have multiple emails from that company of me trying to make payment. Finally they allow me to make one payment so I try to set up future payments. My future payments were returned. Well they not they didnt go through at all. I called the company and asked why didnt they take the money out of my bank account they told me once again this is now XXXX of XXXX that they couldnt accept my payment. I asked the company if they couldnt take my payments to please stop reporting late to my credit report. I sent proof to XXXX the email that the company sent to me, stated that they could not receive my payments and experience still wont remove the late payment as well

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