vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
To Whom It May Concern : I am writing in response to the companys closure of my complaint with the explanation that the disputed inquiries are not currently on my TransUnion credit report. CFPB complaint # XXXX : This is factually inaccurate. 
In their response, TransUnion claimed : " After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. In response to your dispute request, we sent you a letter to inform you the information is not currently on your TransUnion credit report and included instructions on how to obtain a credit report. '' This statement is false. My full three-bureau credit report dated XX/XX/XXXX, clearly shows that the following unauthorized hard inquiries are still reporting on my TransUnion report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX This continued reporting is not only inaccurate, but it also violates multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 1681c-2 Failure to block identity theft-related items within 4 business days ; 1681i Failure to conduct a reasonable reinvestigation ; 1681e ( b ) Failure to maintain maximum possible accuracy ; 1681n & 1681o Civil liability for negligent or willful noncompliance.

I respectfully request that the CFPB reopen or escalate this complaint, as the company 's response was materially false. I am requesting full deletion of the listed inquiries and appropriate enforcement action under FCRA guidelines.

Thank you for your continued attention to this matter.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to formally dispute Experians repeated failure to protect my consumer rights under federal law, specifically statutes 15 USC 1681i ( a ), 15 USC 1681i ( b ), and 15 USC 1681i ( a ) ( 5 ) ( B ). Experian has neglected its legal obligations in the following ways : Failing to properly investigate debts that do not belong to me, which I had already disputed and had removed earlier this year, only for them to be reinserted into my credit report without notice or explanation.

Not responding to my dispute in a timely manner, nor providing any meaningful update or resolution as required by law.

Allowing unauthorized parties to access my credit report after my account was compromised and failing to follow proper security protocols, resulting in a second breach of my profile.

Your actions constitute gross violations of my rights under the Fair Credit Reporting Act ( FCRA ), which requires you to : Conduct a reasonable investigation of disputed information and notify me of the results.

Prevent the reinsertion of previously deleted inaccurate information unless proper procedures are followed.

Ensure the security and privacy of my credit file.

I demand that you immediately : Remove all inaccurate and unauthorized entries from my credit report.

Restore my report to its correct, previously verified status.

Provide a written explanation of why these failures occurred and what steps you will take to prevent further violations.

If you do not resolve this matter promptly, I am prepared to pursue all available legal remedies.

The first few months of the year you finally removed everything, yet she somehow get passed my freeze, and its costing me a lot now and will have no other course to pursue legal action against Experian for now twice violating my rights and ignoring the facts! 
Sincerely, XXXX XXXX XXXX  Via XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth- XX/XX/year> Last Four Digits of SSN XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-10 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:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent matter.

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 2025-06-10 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: NJ

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: DC

Complaint narrative:
I am writing to formally dispute certain information in my credit report that I believe to be inaccurate. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, I have the right to challenge the accuracy of the information in my credit file.

I have reviewed my credit report, and I noticed that my information has been furnished to your bureau without my prior written consent. According to 15 USC 1681b, a consumer reporting agency may furnish a consumer report only under specified circumstances and with proper authorization. I did not give written consent, nor did I authorize the furnishing of my information to your agency.

Please initiate an investigation into this matter. I request that you provide me with a copy of my complete credit report, along with the details of the creditor who reported the information in question. Additionally, I request that you remove any disputed information from my credit report until this investigation is complete. 

Enclosed with this letter are copies of my identification documents. Please confirm receipt of this dispute and update me on the status of your investigation within the time frame required by law. 

In accordance with the Fair Credit Reporting Act XXXX XXXX  [ XXXX XXXX ] has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish any of my information without my written consent or instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for any reason.

I will like a full investigation of this matter and receive results in a timely manner thanks in advance.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Account CREDENCE RESOURCE MANAGEMENT # XXXX, I am unaware of this debt and did not have the opportunity to dispute this account. Please provide " certified mail '' with a receipt displaying my signature. If not, please delete this account XXXX for the original creditoXXXX XXXX XXXX XXXX soon as possible from my credit report, or I will take legal action according to my rights under the FAIR CREDIT REPORTING ACT, specifically 15 U.S. Code ( s ) 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: LA

Complaint narrative:
am writing to formally dispute a series of unauthorized withdrawals totaling {$8500.00} from my Navy Federal account. The original dispute was submitted in XX/XX/XXXX, and again on XX/XX/XXXX, due to the continuation of unauthorized activity and unresolved transactions.

These transactions were not authorized by me and were not conducted with my knowledge or consent. I have made multiple attempts to resolve this issue through your customer service channels, but to date, the matter remains unresolved, and the funds have not been properly credited back to my account.

I am requesting the following : 1. Immediate re-investigation of all unauthorized withdrawals totaling {$8500.00}.

2. Refund of all disputed amounts in accordance with Regulation E ( Electronic Fund Transfer Act ).

3. A complete written explanation of any prior investigation ( s ) conducted, including the basis for any denial of my claim.

4. A stop-payment or fraud block on any recurring or suspicious activity still affecting my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
I been trying to get a modification since XXXX my conventional loan went up to XXXX. It was XXXX  a month I can not afford XXXX due to I lost my job in XXXX. I tried to do a modification to lower my mortgage payments back to {$2000.00} they denied me saying the house isnt worth it. The underwriter said it please help me to keep my house. I wrote in the hardship letter and they keep stringing me alone saying they have no programs. The only programs they have is payment option, which would be XXXX. I can not pay that. Please help to keep my house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
Greetings, I appreciate your attention to this matter. My name is XXXX XXXX. I have been notified that I am a victim of the Equifax data breach, which has resulted in the theft of my identity. I am requesting the enforcement of my consumer rights as specified in FCRA SECTION 605B ( 15 U.S.C. 1681c-2 ). Please remove all fraudulent information from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
It is unfair that my consistent track record of timely payments for this account is not being acknowledged. I implore you to ensure that my account accurately reflects this without any inaccuracies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: CBC Companies, Inc.
State: NC

Complaint narrative:
I have previously disputed with XXXX XXXX and XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have unauthorized hard credit inquiries on my credit report on the Experian credit bureau.

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 2025-06-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
I am disputing a debt in the amount of {$360.00} being reported by TrueAccord Corporation. This debt is not mine, and I have no knowledge or association with the account they are attempting to collect.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to dispute and request validation of any alleged debt. I have exercised this right and have not received any proper verification or documentation confirming that this debt belongs to me.

Additionally, under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, furnishing or attempting to collect inaccurate or unverified debt is a violation of federal law.

I am formally requesting that TrueAccord Corporation immediately cease all collection activity and that this account be removed from my credit report.

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 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXXXXXX XXXX XXXX, NY XXXX ACCOUNTS : INQUIRIES : XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
b'HSA Bank escheated my dads HSA Bank account to the GA Unclaimed Property division XXXX XXXX Unfortunately, I had misplaced the letter from HSA Bank proving this but I had noted the date and amount. For 2 1/2 years, I have periodically been trying to track down my dads money by contacting  HSA Bank and the Georgia Unclaimed Property Division to no avail. Georgia Unclaimed Property says they received XXXX  in XXXX XXXXnfrom HSA Bank. We are moving my dad and were\nlucky enough to come across the statement from\nHSA Bank indicating the XXXX amount escheated to GA. Georgia Unclaimed Property Division is still  indicating they only received XXXX and are unwilling to help. Georgia Unclaimed Property Division refers me to HSA Bank and HSA Bank refers me to the Georgia Unclaimed Property Division. I  have seen where other people are complaining about the same issue. I am having regarding HSA Banks escheatment process. I am  beginning to wonder if this is a common (and unlawful) practice of HSA Bank.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax 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 XXXXXXXX XXXX XXXXXXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$9700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
Reference number XXXX Person who lived at a different home in my neighborhood years ago and down the street from where I recently moved in just used MY address to apply for a Macys store credit card. XXXX is XXXX XXXX. I talked to the neighbors and I believe he XXXX be a bad actor. I spent an hour trying to get through the automated lines for Macys credit card services and can not get through to talk to anyone. This is incredibly frustrating and so I am reporting it hoping that you can please do something about it. These automated lines are unfair to the consumer and restrict us from being able to talk to a human to resolve unusual issues. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/scrub> 2025, Chase Bank placed a legal hold on my account for {$10000.00} based on a legal order. I was not informed in advance and did not receive any documentation explaining the source of the hold.

I attempted to contact Chase immediately by phone and secure message but have been unable to reach anyone who can provide a copy of the legal order or clarify the agency or entity that issued it. I submitted a secure message through their online system and received no timely response.

The hold is severely impacting my access to personal funds and is causing financial hardship. I need to understand the origin of the legal order and what actions I can take to resolve or dispute it.

I am requesting : - A copy of the legal order placed on my account- The name of the issuing agency or court - Any instructions on how I can dispute or respond to the hold Chase 's lack of communication has left me without critical information or recourse. Im requesting assistance from the CFPB to help resolve this issue.

Company response to consumer: Closed with explanation