vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-07 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: MD

Complaint narrative:
Kindly block and eliminate the unauthorized accounts from my credit report at your earliest convenience. I neither initiated nor approved these accounts, nor do I know their source. Pursuant to USC 1681g, I am requesting their removal within 15 days. I have attached the relevant documents for your thorough examination. Additionally, there are discrepancies in the account information being reported across the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Mandarich Law Group, LLP
State: CA

Complaint narrative:
Mandarich Law Group first contacted me via email with aggressive collection threats regarding an alleged debt. On XX/XX/2025, I exercised my rights under the FDCPA and submitted a formal debt validation request. On XX/XX/XXXX, I followed with a certified Notice of Intent to Arbitrate, which was delivered and signed for on XX/XX/XXXX. They ignored both. Instead of responding as required, they escalated by sending a Notice of Intention to Sue on XX/XX/XXXX. This continued harassment, despite written notice and proof of receipt, is a blatant violation of federal law and a refusal to honor arbitration terms. I am on XXXX XXXX XXXX and this conduct has caused significant emotional distress, intimidation, and financial pressure. They are acting in bad faith and abusing their position as a law firm to scare consumers into paying invalid or unverified debts.

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

Complaint narrative:
This is to formally notify you that a data breach resulted in fraudulent accounts on my credit report. Under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their immediate blocking and removal 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 XXXX NC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5800.00} XXXX XXXX XXXX  - Account XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$280.00} XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} Inquiries XXXX XXXX  XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX  Date XXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 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: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XX/XX/year>, I discovered multiple fraudulent and unauthorized charges on my closed American Express credit card account. These transactions were not made or authorized by me. I obtained copies of the statements and attempted to file a formal dispute with American Express, providing details of the fraudulent activity. 

However, American Express refused to accept my dispute, stating that the account had been sold to a third-party debt collector and therefore they would not investigate or resolve the issue. Despite the fact that the charges occurred while American Express still owned the account, they directed me to contact the debt buyer instead. 

This is unacceptable. Under the Fair Credit Billing Act ( FCBA ), American Express has a legal obligation to investigate unauthorized or disputed transactions that occurred while they still owned the account. 

Furthermore, the collections agency does not appear on my credit report the account is still listed as being held by American Express, meaning they continue to be the party reporting the debt and therefore bear responsibility for ensuring the information is accurate and lawfully reported. Their refusal to investigate and correct these unauthorized charges has a direct negative impact on my credit and violates federal consumer protection laws. 

I am requesting that the CFPB require American Express to accept and investigate my dispute, remove any negative credit reporting related to these fraudulent charges, and resolve this matter in compliance with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/year> the amount ot XXXX was deducted from my account which is chime Bank that's a rewards checking account this charge that was deducted of XXXX was unauthorized. I filed a dispute on XX/XX/XXXX that same day the XXXX unauthorized charge was taken from my rewards checking account and the only this the dispute ticket and department of chime say to me is it in the final stages of processing the refund. It just sits on permanent prosses stage and hasn't moved since XX/XX/XXXX I have called and called chime bank and all they do is transfer me from a chime department then straight to chimes automated system then to a automated voice mail every time. Nothing has been done to resolve or even look like my funds will be given back to me I need my funds back please help me resolve this issue and repermade chimes management and employees for doing nothing to help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-06 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: CA

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 XXXX XXXX XXXX XXXX  XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX * * * * * * * * * * *, Date Opened : XX/XX/XXXX, Balance : {$36000.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-06 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: AZ

Complaint narrative:
I am writing to formally dispute the presence of an account on my credit report that I did not open or authorize. This account reflects fraudulent use of my personal information and was opened without my knowledge or 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 2025-06-06 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:
Following a serious data breach, fraudulent accounts have been added to my credit report. 
Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request their removal and blocking 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 XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$2300.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$11000.00} XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: LoanCare, LLC
State: TX

Complaint narrative:
XXXX pay : I will use bill pay to pay my mortgage in full. They tell me Im not allowed to pay this way. But still take my funds. They place my money on a suspense account holding it. Then tacks on a late fee. Even when Ive sent proof regarding the payments being taking.

Due to an error on my end setting up bill pay. I sent a check to my own self instead of the company. I ment to send electronically from my bank to loan care llc. I was grounded from my online account for over 6 months due to a silly mistake : meaning I could access no information, no bill history absolutely nothing. I was told I had to pay in person or western union my money. Which is crazy to me.

I had to pay over {$180.00} the 1st time in late fees even when I was late. I paid then turn around and spoke with a different agent. This agent told me I owed more fees. Its every time I get on the phone with them. 

Fast forward same issue is happening again and again. I make my payments they place in a suspension account I have to call have them remove it and apply it to my upcoming payment. Since I pay early. And still tell me I have outstanding late fees. 

Every agent Ive spoken with has told me differently. One tells me Im in good standing. The next tells me I havent made a payment in months.

Its a on going cycle. Every month at that. My account notes are so long it surprises some workers.

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 2025-06-06 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: MO

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXXXXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX CO Date : XX/XX/XXXX XXXXXXXX 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 2025-06-06 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: MO

Complaint narrative:
In light of a recent data breach, fraudulent accounts have been added to my credit report. 
Under Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please remove and block them 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXXXXXX XXXX XXXX Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXXXXXX - Account Number : XXXX * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} Inquiries XXXX XXXX XXXX : XX/XX/XXXX XXXX CO Date : XX/XX/XXXX XXXXXXXX XXXX Date : XX/XX/XXXX

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

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
I am submitting a formal complaint regarding XXXX, Equifax, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ). I am a verified victim of identity theft and have an extended fraud alert on my credit file. Despite sending formal dispute letters and providing proof of my identity, the credit bureaus have failed to remove or correct the following : Inaccurate and outdated addresses Unauthorized hard inquiries Unverified collection accounts Inaccurate late payments Outdated or incorrect employer information These items continue to damage my credit, and the agencies have not provided documentation to validate any of the disputed data as required under FCRA Sections 609, 611, and 623. 

I am requesting the CFPB to investigate these failures and require full deletion of any unverifiable or inaccurate information. Attached are my formal dispute letters and supporting documents for your review.

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

Complaint narrative:
I am submitting a formal complaint regarding XXXX, Equifax, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ). I am a verified victim of identity theft and have an extended fraud alert on my credit file. Despite sending formal dispute letters and providing proof of my identity, the credit bureaus have failed to remove or correct the following : Inaccurate and outdated addresses Unauthorized hard inquiries Unverified collection accounts Inaccurate late payments Outdated or incorrect employer information These items continue to damage my credit, and the agencies have not provided documentation to validate any of the disputed data as required under FCRA Sections 609, 611, and 623. 

I am requesting the CFPB to investigate these failures and require full deletion of any unverifiable or inaccurate information. Attached are my formal dispute letters and supporting documents for your review.

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 2025-06-06 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: NC

Complaint narrative:
This CFPB complaint has bee

n filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Exper
ian 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. The following items do not belong to me and is a result of fraud that I did not authorize : 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  XXXX XXXX NC XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$80.00} INQUIRIES : XXXX  Date : XX/XX/XXXX 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 2025-06-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I filed complaint number XXXX. My problem isn't resolved. My original lender told me nothing will change and it did! PLEASE review another document from my original lender and help me get my interest rate back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am disputing two late payment entries reported by XXXX XXXX XXXX on my credit reports from all three credit bureaus. The first is an entry dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX, and the second dated XX/XX/XXXX with account number ending in XXXXXXXX XXXX XXXX XXXX XXXX. Both items are inaccurately reported as late payments, which has negatively impacted my credit profile. 

These late payments do not reflect my payment history accurately. Given the consistent issues with data handling and security breaches that have affected credit reporting in recent years, it is highly likely these inaccuracies are due to data errors stemming from a broader data breach or improper information transmission. The emotional and financial toll caused by these incorrect late payments is significant, as they affect my ability to access credit and secure fair loan terms. 

The Consumer Financial Protection Bureau ( CFPB ) has documented ongoing problems with credit reporting agencies, including failures to conduct proper reinvestigations. Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus are required to conduct a reasonable reinvestigation within 30 days upon dispute. If the information can not be verified, it must be deleted or corrected immediately under 15 U.S.C. 1681i ( a ) ( 5 ). I expect all bureaus to honor this obligation and ensure my credit file reflects accurate information.

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 2025-06-06 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: FL

Complaint narrative:
I am formally requesting the immediate deletion of the following closed and derogatory account from my credit report with Equifax. 
The account is reporting inaccurate, incomplete, and unverifiable information, which violates my rights under the Fair Credit Reporting Act ( FCRA ) 609 ( a ), 611, and 623.

I previously requested verification and documentation for the account including a signed contract and full payment records which have not been provided as required by law.

Because the account remain unverifiable and inaccurate, I demand that it be immediately removed from my credit report. 
Account Details : Creditor Name : XXXXXXXX XXXX  Account Number : XXXX XXXX I request written confirmation of removal within 10 business days.

Company response to consumer: Closed with non-monetary relief