vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-29 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: NC

Complaint narrative:
I am requesting the immediate deletion of the XXXX XXXX account # XXXXXXXX XXXX XXXX from all of my credit reports. This account was paid under a pay-for-deletion agreement, yet it is still reporting. 

The information being furnished is inaccurate and inconsistent, violating the Fair Credit Reporting Act, including : Different dates being reported by TransUnion and Equifax Different high credit limits being reported across bureaus Violations of FCRA 607 ( b ) ( maximum possible accuracy ) Violations of FCRA 623 ( a ) ( 1 ) ( A ) ( furnishing inaccurate information ) Failure to correct errors after dispute ( FCRA 611 ) These errors are actively hurting my credit profile and blocking me from purchasing my XXXX  home. 
I request that the CFPB require the following : Full deletion of the XXXX XXXX account from all bureaus Removal of all inconsistent dates and incorrect high-credit data Written confirmation of the deletion I have attached proof of payment and screenshots showing the inconsistent reporting. 
Thank you for your prompt attention. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
On XX/XX/XXXX, an ACH withdrawal for my full mortgage payment amount of {$3600.00} was initiated by Lakeview Loan Servicing ( XXXX ) despite my active forbearance with a required payment of XXXX dollars. My forbearance was approved on XX/XX/XXXX and is effective from XX/XX/XXXX through XX/XX/XXXX. 

XXXX website shows that my payment amount is XXXX XXXX  for XXXX, XXXX, and XXXX, and that no payment method is on file. During a call with a XXXX representative on XX/XX/XXXX, the representative confirmed that the forbearance was active and that I was not required to make any payments during this period. The representative also stated that they could not stop an autopay instruction due to transfer issues and advised me to contact my bank. 

Today, XXXX initiated an ACH withdrawal anyway, which overdrew my account. I turned off overdraft protection specifically to prevent this, but the withdrawal was processed as pending and attempted to take the full amount. The XXXX descriptor is ORIG CO NAME : XXXX XXXX XXXX XXXX  ENTRY DESCR : XXXX XXXX XXXX : XXXX XXXX XXXX This is a XXXX  unauthorized withdrawal attempt during the forbearance period. The first occurred on XX/XX/XXXX through the previous servicer ( XXXX XXXX XXXX  ), which is already the subject of another CFPB complaint. Both servicers have initiated payments during a XXXX payment forbearance despite written documentation and verbal confirmation. 

I am requesting CFPB assistance due to repeated unauthorized withdrawals, inability to stop autopay through the servicer, transfer errors, and significant financial harm.

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 2025-11-29 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: TN

Complaint narrative:
I disputed several inaccurate accounts with the credit bureau on multiple occasions, including XXXX XXXX  ( {$1000.00} ), XXXX ( {$3300.00} ), XXXX XXXX XXXX {$1800.00} ), and XXXX XXXX. I mailed my disputes beginning in XX/XX/year> and again in XXXX and XX/XX/year>. The bureaus marked the accounts as verified, but did not provide any documentation or explanation. Because the accounts still appeared inaccurate, I sent a formal Method of Verification request on XX/XX/year> asking for the verification procedure, the furnishers contact information, and the documents used to verify each account. 

Experian either did not provide the required MOV, provided no documents, or failed to address certain accounts altogether such as the XXXX account. TransUnion did not provide proper dispute results and instead sent a generic presorted postcard with no verification information. Equifax responded but did not provide the required MOV details or documents to support verification. 

I have repeatedly asked all three bureaus to show how these accounts were verified, and they have not supplied the information required by the Fair Credit Reporting Act. I am requesting that the CFPB require each bureau to either provide the complete Method of Verification with documentation or delete the inaccurate and unverifiable accounts from my credit 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 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Block, Inc.
State: MI

Complaint narrative:
I gave you a screenshot of the list of fraudulent charges in the communication with that company through email and a screenshot of my timeline where I was at at that time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
They sold the debt but are still reporting it to the credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/XXXX and XX/XX/year> XXXX checks for {$190.00} each posted to my checking account. The bank was notified and they still let the transactions post. I need the funds returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: Affirm Holdings, Inc
State: GA

Complaint narrative:
I BROUGHT A AIRLINE TICKET WITH XXXX THROUGH AFFRIM. I BROUGHT THIS TICKET AROUND XX/XX/XXXX. I CANCEL THIS TICKET AROUND XX/XX/XXXX WELL WITH IN THE GUIDE LINE AND XXXX PRODUCE ME WITH A RECEIPT WHICH I IN RETURN SUPPLY AFFRIM WITH IT. THEY WILL NOT ACKNOWLEDGE THE RECEIPT IN THE AMOUNT OF AROUND {$750.00} THIS IS MY PROBLEM WITH A COMPANY THIS BIG NOT DOING THEIR BOOKS THANK YOU

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: TX

Complaint narrative:
Subject : Urgent Complaint Regarding Withheld Account Funds Risk of Homelessness if Not Resolved by XX/XX/XXXX ( Chime Bank ) Dear CFPB, I am submitting an urgent complaint regarding Chime Banks continued failure to release the remaining balance of my closed account. 

Amount owed : {$3500.00} Issue date : I have been waiting since XX/XX/XXXX for the final check. 

Despite multiple calls to Chimes customer service, I have been unable to obtain any direct contact with the back office handling my account. Each representative provides inconsistent information some say the check was mailed, others say I must continue waiting and no one can confirm tracking, mailing details, or provide written proof of any action taken. 

Chime refuses to issue the funds via direct deposit and insists on mailing a physical check, which I still have not received after several months. Representatives also appear to rely on incomplete or inaccurate account notes, leading to conflicting updates each time I call. 

This situation is now critical. If I do not receive my funds by XX/XX/XXXX, I will be unable to pay my rent and am at serious risk of becoming homeless. I am currently unemployed and relying on these funds for basic living expenses. 

It has been several months with no resolution, no reliable updates, and no access to my own money. I respectfully request the CFPBs immediate assistance in compelling Chime Bank to release the {$3500.00} owed to me and to provide verifiable confirmation of the payment status. 

Thank you for your time, understanding, and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
On my XX/XX/year> mortgage/escrow statement, Mr. Cooper shows an escrow balance of about {$10000.00}. My XXXX XXXX XXXX property taxes are {$9600.00}, and my annual insurance is {$2700.00}. Despite having enough funds, Mr. Cooper did not pay the XXXX property taxes from escrow, putting me at risk of penalties/interest. 
The same statement shows a monthly escrow collection of {$850.00}, which appears too low. Based on taxes + insurance, the monthly escrow should be about {$1000.00} ( a shortfall $ XXXX ). I believe the escrow analysis is inaccurate and the escrow cushion may be misstated. 
On XXXX XXXX, XXXX, I sent the servicer a RESPA/Reg X Error Resolution and Request for Information by email and mail. I asked them to : Pay the XXXX taxes from escrow immediately and send proof ( check/ACH images and county receipt numbers ) ; Provide a corrected escrow analysis showing the proper monthly amount and a cushion not exceeding one-sixth of annual escrow ; Explain any internal holds/flags that blocked tax payment and confirm removal ; Provide the full life-of-loan transaction history ( Official Form XXXX format or equivalent ) and copies of all XXXX with invoices ; Credit any penalties/interest caused by delay. 
As of today, the taxes remain unpaid and I have not received the requested documentation or a corrected analysis. Im asking the CFPB to help ensure the servicer promptly pays the taxes, corrects the escrow analysis, and provides the required records and credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: AR

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF XXXX  OR XXXX  LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER XXXX LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY XXXX  AND XXXX  DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-11-29 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: AR

Complaint narrative:
Bankruptcy Reference Number : XXXX Dear CFPB, This is not a dispute of the bankruptcy itself. 
This is a dispute of the bureaus failure to verify public record accuracy under : FCRA 611 ( a ) ( 7 ) : Method of verification FCRA 607 ( b ) : Reasonable procedures FCRA 611 ( a ) ( 1 ) : Maximum accuracy requirement All three credit bureaus ( XXXX, TransUnion, XXXX ) are reporting the bankruptcy, but I have written confirmation from : The XXXX Bankruptcy XXXX XXXX XXXX that they do not furnish, verify, or report bankruptcy information. 

The credit bureaus refused to provide a XXXX XXXX XXXX, the source of data, or the furnisher of information. Since the court does not verify data and the bureaus have no original furnisher, this record is not verifiable at the source. 

I am demanding deletion of the bankruptcy due to the credit bureaus failure to supply the required XXXXXXXX XXXX XXXX. 

Please reopen this case. 

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 non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/year> Capital One Attn : General Correspondence P.O. XXXX XXXX XXXX XXXX XXXX, UT XXXX Subject : Request for Form XXXX ( Cancellation of Debt ) To Whom It May Concern, I am writing to request a copy of IRS Form XXXX for the account referenced below : Original Account holder name : XXXX XXXX Accounts XXXX  last XXXX digits : XXXX and XXXX To ensure my tax records are accurate and up to date, I need confirmation of any cancellation of debt that may have occurred on these accounts. As required by IRS regulations, creditors must issue a XXXX when a debt is canceled, forgiven, or discharged. I am requesting that you provide me with a copy of this form if it has already been issued, or notify of its status. 

Please send the requested documentation to the mailing address lifted above. If additional information is needed, you may contact me via email at XXXX. 
Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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:
I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1300.00}, XXXX XXXX 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 2025-11-29 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-11-29 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I went to XXXX XXXX and agreed to the purchase price of XXXX USD for a plate. The merchant on the square app put XXXX USD without telling me. I swiped my credit card under the assumption i would be spending XXXX USD. We asked for a receipt but said he couldn't print XXXX. I did not find out about the bait and switch till I left the island

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 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: MD

Complaint narrative:
I am disputing several items on my credit report that I believe were reported inaccurately, without proper verification, or without my authorization. Multiple accounts and hard inquiries were added to my credit report without my consent, and several collection agencies are reporting debts that have not been validated as required under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). I requested verification from the credit bureaus and the companies involved, but the information continues to be reported even though it is inaccurate, incomplete, or can not be verified. Some of these accounts may also be the result of unauthorized use of my personal information. These inaccurate and unverified items have caused harm to my credit score, limited my ability to obtain credit, and do not reflect my actual credit history. I am requesting the CFPB 's assistance to have these issues properly investigated and corrected.

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 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
- they advertised were going to check to see if I was pre-approved with no impact to my credit score - then Capital One did a hard ( pull ) inquiry on my credit with all 3 credit bureaus - then they asked me to send them 2 bank statements, 2 check stubs and my W-2 's from last year???

I have good credit .. cards with XXXX XXXX 2 with XXXX XXXX  cards and a XXXX plus another one with XXXX Bank XXXX they never ask me for all of this?? 

So I stop filling out the short form and don't intend to them my W-2 'S and 2 bank statements

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing a formal complaint regarding a fraudulent account that has been opened in my name with Regions Bank. I did not authorize the creation of this account, nor have I ever initiated any service or applied for any credit through Regions Bank. This unauthorized account has been opened under my name without my knowledge or consent, and it is negatively impacting my credit report. 

Details of the Complaint : An account has been opened in my name with Regions Bank without my knowledge or consent. 

I have never applied for any credit, loan, or banking services with Regions Bank. 

I did not authorize anyone to open an account or incur charges under my name. 

Despite my efforts to report this issue to Regions Bank and the credit reporting agencies, the fraudulent account remains on my credit report. 

Account Information : Balance : {$1300.00} Balance Updated : XX/XX/year> Credit Limit : {$3500.00} Account Number ( last XXXX digits ) : 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