vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: FL

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL, XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Account name XXXX XXXXXXXX XXXX XXXX Your Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: OH

Complaint narrative:
These accounts do not belong to me, please block and remove according to 15 USC 1681c-2 Accounts were reinserted on credit report after CFPB had them removed, please block and remove according to 15 USC1681i ( a ) ( 5 ) ( B )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I have fraud alerts on all three of my reports but when I open new credit lines they do not contact 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 non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: PA

Complaint narrative:
b'XXXX XXXX XXXX account 30002 charge off.  Request delete charge off 15 U.S. code 1681(c) 2'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I hope all is well. The reason for my complaint I dont know what the minimum amount I need to pay on my XXXX XXXX for my bill. Im not able to pay my bill if I dont know what amount to pay. Please tell me what amount I need to pay to keep my account current? I did not receive a bill in the mail. I need to know the minimum amount I need to pay for my XX/XX/year> bill and going forward. Thank you for your time. Have a wonderful day!!

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 monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
This is a final legal notice and formal demand for immediate deletion and permanent blocking of all unauthorized and fraudulent accounts appearing on my credit report, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), Section 605B 15 U.S.C. 1681c-2.

I am a victim of identity theft and did not authorize, open, closed, charged-off, hard inquiries, collection or consent to any of the fraudulent items listed below. You are legally obligated to : Block and delete the following items within XXXX business days Fully update and correct my credit file within 15 calendar days

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: MOHELA
State: NY

Complaint narrative:
Mohela is past due on the complaint filed by myself from the CFPB. The original complaint XXXX has still not been answered or fixed. They are over the 60 days threshold. I am still experiencing issues with applying for a home loan because of this issue. Mohela claims to have fixed the issue but it is not fixed. This complaint has been ongoing since the beginning of XX/XX/year> since finding out i was not able to get a home loan due to the double reporting on my credit account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-06-09 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: SC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Mandarich Law Group, LLP
State: OR

Complaint narrative:
I received notice from XXXX XXXX that a lien had been attatched to my property for a credit card debt thatbwas not mine from XXXX  XXXX. I contacted the company called mandarich law. I informed him that I was never served any legal documentation and I did not live at the address that they had served legal docs and I gave them my correct address. I requested identity theft documentation. I had that documentation notarized and returned it to them. then I received paperwork saying that I was gon na be garnished. I contacted them again and they said that I didnt have enough proof to show that it was identity theft I told them that it had been five years and I didnt have any proof because it had been five years and had already told the original credit card people at that time that it was not my debt and I didnt know what else to do but notarize the documentation and send it to them. so now I have a lien on my property and I have also been served with garnishment paperwork for a debt. Thats not mine, which is accruing interest and have been forced to pay money on a credit card debt that was not mine or else be garnished I do not know what else to do about the contact your department to see if theres anything I can do to get help with this matter. Im being forced to pay for something that was identity theft originally and this law firm said that they serve me legal paperwork which they never did so I really dont know what to do at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian- XXXX XXXX Date opened- XX/XX/XXXX Last payment Date- XX/XX/XXXX Date last active- XXXX, XXXX, XXXX Paid in settlement {$370.00} written off I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all 3 credit bureaus. 



Equifax- XXXX XXXX Date opened- XXXX XXXX Date last payment- XX/XX/XXXX Date last active- XXXX, XXXX, XXXX Collection/Chargeoff- XX/XX/XXXX I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all XXXX credit bureaus. 

Transunion- XXXX XXXX Date opened- XX/XX/XXXX Date last active- XX/XX/XXXX Date last payment- N/A Original Chargeoff {$370.00} I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all 3 credit bureaus.

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 2025-06-08 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: GA

Complaint narrative:
Experian- XXXX XXXX Date opened- XX/XX/XXXX Last payment Date- XX/XX/XXXX Date last active- XXXX, XXXX, XXXX Paid in settlement {$370.00} written off I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all 3 credit bureaus. 



Equifax- XXXX XXXX Date opened- XXXX XXXX Date last payment- XX/XX/XXXX Date last active- XXXX, XXXX, XXXX Collection/Chargeoff- XX/XX/XXXX I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all XXXX credit bureaus. 

Transunion- XXXX XXXX Date opened- XX/XX/XXXX Date last active- XX/XX/XXXX Date last payment- N/A Original Chargeoff {$370.00} I sent a letter asking to be provided proof of the inaccuracies of this account, failure to do so the item must be deleted. After receiving a response and no changes, I requested a re-investigation and there were still no proof sent, no changes made to my credit report and the item was not removed. Below are a copy of both letters I sent to all 3 credit bureaus.

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 2025-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
I am filing this complaint regarding multiple unauthorized hard inquiries on my credit reports. I did not apply for credit or authorize the following inquiries : XXXX XXXX  XX/XX/XXXX XXXX Experian ) XXXX XX/XX/XXXX ( TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XX/XX/XXXX ( TransUnion ) XXXX XXXX  XX/XX/XXXX ( Experian ) XXXX XXXX  XX/XX/XXXX ( TransUnion ) These inquiries were not authorized and are believed to be the result of identity theft. Disputes have been submitted to Experian and TransUnion under FCRA 605B with a valid FTC Identity Theft Report and proper documentation. We request that the CFPB enforce Irmas rights under the FCRA and assist in the removal of these inquiries, which are damaging her credit and were made without consent.

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 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
The company says they found proof that I made this purchase, but I do not have any authorized users on my card, and I have never been to this place that was charged. So l would like to know how there is proof I made this purchase. I would hate to have to close this card and take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Equifax and Transunion want me to pay a monthly fee of {$24.00} to keep my credit report up to date. It has not been updated since XX/XX/year> by both credit bureaus. And this has resulted in an unfair credit score of XXXX at Equifax and XXXX at TransUnion. On the other hand, XXXX  has been keeping my credit report current. Which is Exceptional at 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 2025-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I have deep concerns regarding my safe deposit box at the Chase branch in XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX. Ive been misled by management and treated unprofessionally despite my longstanding relationship and documented physical limitations and distance from the branch. 
After losing my box key, I contacted the branch and XXXX number. I was told to make an appointment in person. The branch manager referred me to a teller, who submitted a request. I received no follow-up, and my calls were repeatedly routed to the XXXX number with no real help. 
I even reached out to other branches. A helpful manager from another branch contacted mine, prompting a callbut still no clear answers or appointment date. 
XX/XX/XXXX, the day I left XXXX, I received a voicemail around XXXX XXXX  stating someone would be at the branch between XXXX XXXX  to open my box. This was the only proactive communication from the branch. I stayed at a XXXX for two nights awaiting the appointment. 
I called the number in the voicemail and spoke to the manager. Rather than explain their lack of contact, he made a false accusation that I used profanitya defensive move during my emotional but respectful attempt to address the matter. He ended the call abruptly, avoiding accountability and resolution. 
Additionally, the box fee stopped being withdrawn from my account without explanation, raising red flags about billing transparency and the handling of my property. 
Its unacceptable that this issue has escalated with no clear resolution. I need confirmation of my propertys status in a transparent response that reflects the seriousness of this matter. 
Respectfully, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: MI

Complaint narrative:
This is a government-backed mortgage with Fannie Mae XXXX Sold to XXXX, who have done nothing but mess up this account over & over. 

I requested a FORBEARANCE due to XXXX in XXXX XXXX. 
This was approved. 
Then I was given TRIAL PAYMENTS for a slightly lesser amount of {$1700.00} starting on XX/XX/XXXX. 
This was paid EARLY on XX/XX/XXXX for {$1700.00}. 
The next payment was due on XX/XX/XXXX. 
I paid that also EARLY on XX/XX/XXXX for {$1700.00}. 
The next payment is not due until XX/XX/XXXX. 
I have not missed a single payment. I have not paid anything late. This is a govt.-backed loan and was in forbearance due to XXXX. 
Now XXXX XXXX XXXX XXXX just reported to XXXX  the following : " XXXX XXXX  account has become 180 Days Late Between XX/XX/XXXX and XXXX XXXX, XXXX, your SHELLPOINT MORTGAGE mortgage status changed from " Current '' to " 180 Days Late ''. '' Dropping my score XXXX points. 
They also reported to Experian my payments are XXXX days late. 
Dropping my score almost XXXX points. 
My payments are NOT late. 
Shellpoint does not have the authority to report a government-backed mortgage in approved forbearance due to COVID or job loss or cutbacks due to XXXX as " LATE. '' XXXX XXXX needs to fix this immediately. 
In addition, this mortgage is no longer in " forbearance '' as is being reported to the Credit Reporting Agencies. 
This account is not " XXXX XXXX account has become 180 Days Late, '' it is being paid regularly and on-time.

Being in forbearance due to COVID is NOT the same as paying 180 days late. 
XXXX can remove this from my credit reports, or I'm filing a lawsuit against them and Fannie Mae. 
My payments were in forbearance due to XXXX. 
Now they're in a slightly lower payment plan. 
All payments have been made early. No payments are due, past due, or late. 
This mortgage is with XXXX XXXX. 
They have continued discriminating against me as a 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 2025-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
We had exited and hand over key there was no communication that our lease date is not ended. 

When we asked to include XXXX name in the contract as it was not included, the apartment front office deceitfully changed the lease end date which we were not aware. We signed the document thinking it was just name including without the knowledge they edited the original date to change additional to XXXX and half month. They did not say any date change. you ask ask them proof to change dates which we were not aware and exited as per the original lease dates and moved to another apartment. 

Even after our exit they have withdrawn Rents from our account which we were not aware. ( XXXX, XX/XX/XXXX, XX/XX/XXXX ) They have not given back our deposit money or send us the settlement after handing over the keys to them as per original lease end dates We had called the office that as per the dates in XXXX that we are moving out as XXXX is our end dates. There was no indication that our lease period is not ended. If they had mentioned we would not have moved to new apartment We get a evaluation letter in XXXX were we had exited officially handing over keys in XXXX I went and spoke to them but they were very disgracefully They have taken two months additional rent as well as not returned the deposit. So what is the collection for when we have over paid. 

They are Fraud please check their reviews on the website. We have overpaid where they need to refund. I had put complains in BBB but they later never responsded

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Accessing the Synchrony Bank website has become a regular challenge. Each time I attempt to log in to review my monthly statementswhich are sent via emailIm met with a recurring message : * We are currently experiencing technical difficulties and are unable to access your account. Please try again later or contact customer service for assistance. * Because of this ongoing issue, Im unable to verify whether my payments are being properly applied to principal and interest. If online account access is offered, I should be able to review my accounts at any time without repeated technical errors.

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