vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
Got a car loan in XXXX or XXXX for {$9500.00} from Trustmark Bank in XXXX, Ms.over the phone while I was North Carolina. Came home and about a month or XXXX later my girlfriend wrecked the car. Well at the time I just wasn't able to handle it.So I just ended up not having any talks with them that I remember. Well time went on and as far as I can remember they never contacted me about it. Now it's XXXX and I'm selling my Mom and Dad 's house that they bought through the XXXX XXXX don't completely own the house because there is a XXXX XXXX XXXX for {$12000.00} and a XXXX XXXX for {$10000.00} that has to be paid in order to get the complete free title to the house. As far as what I have found the bank loan should have become XXXX XXXX after 4 years in Mississippi. The closing attorney said the bank put a lien on the house for this debt and I don't own it out right. The grant has to be paid back if I sell it before 3 years. So I'm not really getting a lot of money for the house. I just want to ( I'm XXXX ) move to XXXX to be with my nieces and nephews and to get out of this what it is becoming a bad XXXX neighborhood. I definitely feel threatened here. I'm also a XXXX Veteran. Please help me. Thanks The picture of the house was the work done for the {$10000.00} grant.

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 2025-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, I received an email from chime financial mobile banking. They stated that there was a dispute filed regarding an unauthorized pay anyone transfer that took place on XX/XX/XXXX. Chime stated that after proper investigation they determined there was fraudulent activity and deducted {$220.00} from my checking account and pay the person that filed this dispute. 
Chime did this in error and refuses to pay me back the money they took. They refuse to take accountability that it was their error they should have never taken that money for me.

1. The person that filed the dispute committed fraud and lied to chime.

2. Chime did not do a proper investigation because they would have seen the day I opened the account on XX/XX/XXXX, I received {$220.00} from someone. Minutes later, I returned {$200.00} back to the person. 
XXXX. The transaction history clearly shows this transaction that took place. The only mountain question should have been {$21.00} not {$220.00}. I did not return the full amount of {$220.00} because I was told to keep {$21.00} for gas in my time.

4. Chime Mobile banking policy also does not accept disputes regarding pay anyone transfers. But they did in this case and ended up paying the other party twice 5. They refuse to take accountability and give me back my money. They call it an " adjustment '' and they tell me that the system does not give the option to reverse it. 
I have gotten absolutely nowhere trying to get my money back and it has put me in a serious financial hardship because that was all the money I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: BROKER SOLUTIONS, INC.
State: NV

Complaint narrative:
I applied for this mortgage loan with my relatives but New American Funding would not talk to me to manage our account. I was the one paying and managing this account. When our insurance company failed to renew our homeowner 's policy which we were not aware since this should have been automatic renewal. XXXX placed a very expensive insurance premium ( around {$4000.00} premium ) when we failed to submit a new policy and our payment went from {$5200.00} to {$6600.00}. Me not being able to talk to them even more delayed the process. When we provided our new policy which is only around $ XXXX yr. Our payment still remain at {$6100.00} which still very high from our previous fixed payment of {$5200.00}. Our realtor contacted them and was told that a {$3000.00} refund should be credited to our escrow account to lower our payment but still nothing changed. They also charged an exorbitant late fee of {$200.00}!!. Because of this high payment created financial hardship that we may have to lose our home. PLS HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX Balance : {$0.00} I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX Balance : {$0.00} XXXXXX/XX/XXXX Inquired on XX/XX/scrub>XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
There are unauthorized loans/accounts on my report that were opened without my knowledge. Please help get these removed

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 2025-05-26 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: IL

Complaint narrative:
There are unauthorized loans/accounts on my report that were opened without my knowledge. Please help get these removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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:
Today XX/XX/year>, I obtained a copy of my credit report, and I noticed several fraudulent accounts, that I did not authorize. I also noticed personal information that was inaccurate along with several inquiries I have no recognition of approving. These accounts and inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As stated I did not approve of any of said accounts listed above or any transactions associated with said accounts along with inquiry listed above. According to the FCRA these are a violation of my consumer rights, and as a result I demand that said accounts and inquiries be removed off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: IL

Complaint narrative:
There are unauthorized loans/accounts on my report that were opened without my knowledge. Please help get these removed

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 2025-05-26 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: NY

Complaint narrative:
I am filing a formal complaint regarding inaccurate information listed on my credit report that I believe is in violation of the Fair Credit Reporting Act ( FCRA ). Specifically, I am disputing several accounts that are incorrectly reported or showing inaccurate data. Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$8800.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-26 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: NY

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant distress and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-05-26 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: CA

Complaint narrative:
I reviewed my Experian credit report and discovered multiple incorrect variations of my legal name. My legal name is XXXX XXXX XXXX XXXX, as reflected on my drivers license. However, the report shows several inaccurate and fragmented names, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These names do not match my legal identity, and I have never used them. I submitted a dispute directly to Experian in XX/XX/year>, including a copy of my government-issued ID and a utility bill for verification. Despite this, Experian has failed to remove the incorrect names or provide any valid justification for keeping them on file. 

This inaccurate reporting is causing confusion and may lead to mixed credit data or improper verification outcomes. I am requesting that Experian remove all inaccurate name variations and only report my correct legal name. 

I seek CFPB assistance to compel Experian to comply with their obligations under the Fair Credit Reporting Act to ensure accurate and verifiable consumer information. 
am requesting that Experian permanently delete all inaccurate and unauthorized name variations from my credit file and retain only my legal name : XXXX XXXX XXXX XXXX, as reflected on my government-issued ID. The name variations currently reportedsuch as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and othersare incorrect and do not belong to me.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681g and 1681i ), I have the right to dispute any inaccurate or incomplete information on my credit file, and Experian is required to conduct a reasonable reinvestigation and correct or delete any inaccurate or unverifiable information within 30 days.

Additionally, under FCRA 1681e ( b ), Experian has a legal obligation to follow reasonable procedures to assure maximum possible accuracy of the information it reports. The inclusion of multiple inaccurate aliases violates this standard of accuracy. 

I also request that Experian take steps to block or suppress the re-reporting of these incorrect name variations in the future, and that a notice of correction be sent to any party that received my report within the last 6 months as provided under FCRA 1681i ( d ).

Furthermore, the CFPB has stated that credit bureaus must ensure the personal information reported is both accurate and attributable to the consumer. If not, it is considered inaccurate personal identification information, which must be 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 2025-05-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. I sent a letter to the credit bureau but I never received a response from them. These accounts must be validated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
XXXX XXXX Subject : Cease and Desist Demand Dear XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your recent communications.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that a debt collector stop contacting me. Therefore, you are hereby notified to cease and desist all communication with me, including, but not limited to, phone calls, letters, emails, or any other form of contact. 

If you believe I owe a debt, please provide any verification of the debt, including the name of the original creditor, and any supporting documentation. Otherwise, I consider this matter closed. 
Be advised that failure to comply with this request may result in a complaint being filed with the Federal Trade Commission, the Consumer Financial Protection Bureau, and/or my states attorney generals office. 

I request that you honor this demand immediately. Please be aware that this letter does not acknowledge or imply any liability or responsibility for the alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
XXXX XXXX Subject : Cease and Desist Demand Dear XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your recent communications.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that a debt collector stop contacting me. Therefore, you are hereby notified to cease and desist all communication with me, including, but not limited to, phone calls, letters, emails, or any other form of contact.

If you believe I owe a debt, please provide any verification of the debt, including the name of the original creditor, and any supporting documentation. Otherwise, I consider this matter closed.

Be advised that failure to comply with this request may result in a complaint being filed with the Federal Trade Commission, the Consumer Financial Protection Bureau, and/or my states attorney generals office.

I request that you honor this demand immediately. Please be aware that this letter does not acknowledge or imply any liability or responsibility for the alleged debt. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-26 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: GA

Complaint narrative:
XXXX XXXX Subject : Cease and Desist Demand Dear XXXX XXXX, I am writing to formally request that you cease all communication with me regarding the alleged debt referenced in your recent communications.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I have the right to request that a debt collector stop contacting me. Therefore, you are hereby notified to cease and desist all communication with me, including, but not limited to, phone calls, letters, emails, or any other form of contact.

If you believe I owe a debt, please provide any verification of the debt, including the name of the original creditor, and any supporting documentation. Otherwise, I consider this matter closed.

Be advised that failure to comply with this request may result in a complaint being filed with the Federal Trade Commission, the Consumer Financial Protection Bureau, and/or my states attorney generals office.

I request that you honor this demand immediately. Please be aware that this letter does not acknowledge or imply any liability or responsibility for the alleged debt. 

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 2025-05-26 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: CA

Complaint narrative:
I am filing this complaint against Experian, as I have been facing an ongoing issue with their negligent handling of disputed accounts and refusal to correct inaccurate reporting since XX/XX/XXXX. 

On XX/XX/XXXX, I attended a small claims court hearing against Experian. During this hearing, Experians representative claimed they had no knowledge of the hearing. However, I am attaching proof that they were fully aware of the court date and proceedings. This proof includes multiple letters, dispute records, and CFPB complaint filings that Experian received prior to the hearing. I plan to submit these documents as evidence to the court. 

In addition, Experian has refused to respond to my ongoing CFPB complaints, claiming that due to the ongoing litigation, they are unable to reply. This is unacceptable and demonstrates a lack of accountability and transparency in handling consumer disputes. 

I won a prior court case against Experian on XX/XX/XXXX, which demonstrated Experians negligence and failure to conduct a reasonable investigation into my disputed accounts. Despite this judgment, Experian has continued to update and verify disputed accounts based solely on the word of the creditor, without conducting a proper investigation or providing me with the required Method of Verification documentation.

I am also currently pursuing arbitration against Experian, as they have failed to fulfill their obligations under the Fair Credit Reporting Act ( FCRA ) and continue to report inaccurate information that damages my credit standing. 

In summary : Experian falsely claimed in court they had no knowledge of the hearing. 
They refuse to respond to my CFPB complaints, citing litigation.

They continue updating disputed accounts without proper verification.

They have not provided a Method of Verification.

I have a prior court ruling against them demonstrating their negligence.

I am now forced to seek arbitration to resolve these ongoing issues.

I am requesting that the CFPB thoroughly investigate Experians practices, hold them accountable for these violations, and impose appropriate fines. I also request that the CFPB assist in compelling Experian to correct my credit report and cease reporting inaccurate information. 

Attached are proof of Experians knowledge of the hearing, previous complaints, court rulings, and Experians responses.

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 2025-05-26 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: FL

Complaint narrative:
Today XX/XX/year>, I obtained a copy of my credit report, and I noticed several fraudulent accounts, that I did not authorize. I also noticed personal information that was inaccurate along with several inquiries I have no recognition of approving. These accounts and inquiries include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Followed by inquiry XXXX XXXX stated I did not approve of any of said accounts listed above or any transactions associated with said accounts along with inquiry listed above. According to the FCRA these are a violation of my consumer rights, and as a result I demand that said accounts and inquiries be removed off my credit 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