vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I made a purchase from XXXX totaling {$750.00}. UPS tracking number XXXX shows the package was originally marked Delivered to XXXX, FL on XX/XX/year>, but my shipping address is in XXXX, FL. I never received the package. 

XXXX days later, on XX/XX/year>, UPS updated the status to Returning to Sender due to an address issue. I did not initiate this return UPS rerouted the package automatically. On XX/XX/year>, the tracking confirms delivery to XXXX warehouse in XXXX, CA with a recorded weight of XXXX lbs, contradicting XXXX later claim that they received nothing or an empty box. 

Chase initially credited my account but reversed the decision after XXXX denied the claim, stating that the item was delivered to the correct location. That conclusion is factually incorrect based on the UPS record. Chase has told me they can not do anything further. I am seeking a formal review.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-27 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Equifax, Experian 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. This fraudulent, inaccurate, and false information consists of - XXXX  ( Account number XXXX XXXX XXXX XXXX XXXX )- XXXX  ( Account number XXXX XXXX XXXX XXXX XXXX  )- XXXX XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ) - XXXX  XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ) - XXXX XXXX  ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ) - XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ) - XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ) - XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ) - XXXX ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ) - XXXX  ( Account number XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account number XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: MI

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I requested a fraudulent account be removed from my credit report. I submitted documentation to equfax, XXXX, XXXX  and XXXX XXXX, to include my FTC report. All bureaus launch investigation. I received a letter of removal from XXXX. Equifax and XXXX  just closed the account, but it is still on my report and affecting my credit. Equifax removed it then added it back. I know this because during the home buying process chase did a soft pull to pre approve me. Now as I am getting ready to close and the Hard inquiry is done this account is back and my score has dropped to where I am now XXXX POINT under where I need to be for approval. This is ridiculous to play with peoples lives like this. I called XXXX XXXX they sent me an email telling me to send a police report OR my FTC Report which I already had done. Please help me!! I need this apple account off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: LA

Complaint narrative:
I requested a fraudulent account be removed from my credit report. I submitted documentation to XXXX, XXXX, equifax and XXXX XXXX, to include my FTC report. All bureaus launch investigation. I received a letter of removal from XXXX. XXXX  and Experian just closed the account, but it is still on my report and affecting my credit. XXXX  removed it then added it back. I know this because during the home buying process chase did a soft pull to pre approve me. Now as I am getting ready to close and the Hard inquiry is done this account is back and my score has dropped to where I am now XXXX POINT under where I need to be for approval. This is ridiculous to play with peoples lives like this. I called XXXX XXXX they sent me an email telling me to send a police report OR my FTC Report which I already had done. Please help me!! I need this apple account off my report immediately.

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 2025-05-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NV

Complaint narrative:
I submitted an application for a school mis-conduct discharge. The application was denied which is unlawful. I have been paying my loans for over XXXX XXXXXXXX a month. to where I can not buy a house, car, and I have no credit to even own anything. My credit report is the lowest it can be. I can't even file XXXX  because all i have is student loans. I have sent in all my credit reports showing that I can not pay this back. After I have been struggling for YEARS!!! to now find out just last year that XXXX XXXX discharged anyone that hadn't paid in over a year. They had to fill out no paper work, fight for the discharge nothing. but. yep that got the loans discharged, Now for me I have been paying for XXXX years and have STRUGGLED!!!!!!! I can't get my discharged. 

The school is part of the XXXX XXXX XXXX ( XXXX XXXX ) Law suit. It was a For - Profit school. They took from the XXXX ( like me ) first to go to college in family and took advantage of me. So this company can profit and make me take out private loans so they can take the money. A perfect steam of taking from the poor to make the rich, richer. 

I have sent over all the law suit, my credit score, a letter and the application. They don't work with me on payments and the fact they are dis-charging others but not mine is unlawful and wrong. 

I am to the bare XXXX and have nothing. This school lied to me and many others about jobs, the education etc. I graduated from XXXX XXXX XXXX XXXX XXXX XXXX but all the loans are under a school I NEVER attended, XXXX XXXX XXXX Which again is against the law to change the school and name in the loan. This whole situation is wrong and unlawful to any American citizen. 

The fact that they discharged loans of people that haven't paid in over a year, last year. but I paid for XXXX  years and I get treated like XXXX. The private loan company steals your money, harasses, calls, and threatens you in ways that you can't even live and mess with your mental health and well-being. 

They need to be fair and everyone that went to the schools listed in the law suit should be discharged. not only a few that did nothing to fight for it or pay at all. BE FAIR!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My Experian credit report contains multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), specifically the requirement under 15 U.S.C. 1681e ( b ) to ensure maximum possible accuracy of consumer information. My full legal name is XXXX XXXX XXXX XXXX, my only current address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX, and my only employer is E.E. PHOTOGRAPHY. However, my report inaccurately lists the following names, which are not mine and must be permanently removed : XXXX XXXX XXXX and XXXX XXXX. It also shows several addresses I have never lived at, including : XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ; XXXX XXXX XXXX, XXXX, NJ XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX. Additionally, the employers listed as XXXX XXXX XXXX and XXXX XXXX PHOTOGRAPH are entirely false and should not be associated with my credit file. These misrepresentations are misleading, damaging to my creditworthiness, and a direct result of Experians failure to verify the accuracy of the data they report. I demand immediate correction of these errors and written confirmation once my file reflects only accurate, verified information. If not resolved promptly, I will escalate this matter and seek legal remedies under 15 U.S.C. 1681n and 1681o for negligent or willful noncompliance.

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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I 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 rectifytheseissues. 
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 2025-05-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX Social Security Number : [ Private ] Date of Birth : [ Private ] Subject : Request for Blocking of Fraudulent Information Under FCRA XXXX ( 15 U.S.C. 1681c-2 ) Dear [ Credit Reporting Agency ] , I am submitting this formal complaint in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 605B ( 15 U.S.C. 1681c-2 ), to request that you block certain information from my consumer credit report. This information is the result of identity theft and must be removed within XXXX ( XXXX ) business days of your receipt of this request. 
The disputed information includes a personal credit card account that was fraudulently opened in my name, as well as several unauthorized hard inquiries and collections that have subsequently appeared on my consumer FICO credit report. 
I do not recognize these accounts, collections, or inquiries, and I did not authorize or initiate any of them. 
These entries are fraudulent, inaccurate, and not reflective of any legitimate financial activity on my part. They are entirely the result of identity theft. 
To support this request, I have included the following documentation : A list of the fraudulent hard inquiries in question A copy of my consumer FICO credit report showing the disputed accounts, collections, and inquiries A copy of the FTC Identity Theft Report ( Complaint # [ Private ] ) verifying that I am a victim of identity theft and that the above items were fraudulently created Please act promptly in compliance with FCRA 605B and block all fraudulent accounts, collections, and hard inquiries as outlined above from my credit file. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I did not authorize for this account to be opened please remove or delete permanently from my account under Section 605B ( 15 U.S.C. 1681c-2 ) you have 4 days to permanently remove or delete.

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 2025-05-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
On several occasions I have submitted documentation to USAA for a legal name change. They have rejected all documents despite the fact that said documents are on their list of acceptable documents. Documents sent included a copy of the certified marriage certificate as well as a copy of my real ID driver 's license from the dmv. At some point them not using my legal name will become an issue as I am no longer on my accounts and the person who is listed on my accounts no longer exists. I fail to understand why once again USAA can not accept the documentation that they have requested and once again make life difficult for one of their veteran customers.

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 2025-05-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: PA

Complaint narrative:
To Whom It May Concern, I am writing regarding a debt you claim I owe. I am requesting that you provide proper validation of this debt as required under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Please provide the following information : The name of the original creditor. 

The amount of the alleged debt, including any interest or fees. 

A copy of any judgment, if applicable. 

A detailed explanation of how the amount was calculated. 

Proof that you are authorized to collect this debt. 

Verification that this debt is within the statute of limitations for collection in my state. 

Please treat this letter as a formal request to cease all collection efforts until you have provided proper documentation validating the debt. Additionally, if you report this debt to any credit reporting agency without providing proper validation, you will be in violation of the FDCPA. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX, which falls under XXXX  according to XXXX XXXX XXXX  XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the XXXX. I have provided all needed documentation as well as a victim determination letter according to XXXX ( b ) ( XXXX ). 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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: CA

Complaint narrative:
I was looking at my credit report and i saw XXXX account that was opened fraudulently. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-27 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:
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 XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/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 explanation
Consumer complaint received 2025-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: UT

Complaint narrative:
b"Prior complaint did not resolve the issue yet was closed once the company replied. Where can i go for help if the mortgage company is not helping and the CFPB is not holding them responsible or even checking their responses. Initial complaint is XXXX  - responded to and closed out today yet not solved. Response notes the payments were not received for the following dates yet i've send proof of payment several times. \nwe show no record for payment XXXX XXXX, proof attached. We show no record for payment XXXX XXXX proof attached. We show no record for payment XXXX XXXX proof attached. The company went into great detail about the account being behind and when it was brought current. Yet, only noted no payment received for dates above but again, i have sent proof of these payments from my bank acct showing the balance after the payment was in fact made just like they asked me to send, and i spoke with a customer service rep that CONFIRMED the payments and now they say they weren't received. Please help."

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