vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TransUnion LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Dispute XXXX XXXX XXXX ( Account # XXXX ) RE : FCRA 1681s-2 ( b ) Investigation Request To Whom It May Concern, I am formally disputing the accuracy of the XXXX XXXX account ( # XXXX XXXX currently reported on my TransUnion credit file. 

This account has recently been reported as charged off, but previously appeared as 100 % paid off on my report. In addition, multiple charge-offs appear to be reported each month, which raises serious concerns about whether XXXX XXXX is furnishing information correctly under the Fair Credit Reporting Act.

Under FCRA 1681s-2 ( b ), I am requesting a reinvestigation into this tradeline. 

Please ensure XXXX XXXX provides the following : A full, itemized payment history A copy of the original signed agreement Evidence of compliance with all charge-off notification procedures If the data can not be verified with complete documentation, I respectfully request that the inaccurate information be removed immediately.

Please respond in writing with the results of your reinvestigation within the required 30-day period. 

Thank you, 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 2025-06-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Freedom Mortgage Company

Complaint narrative:
My mortgage was sold to Freedom Mortgage and they are trying charge {$480.00} over what my original monthly payment is supposed to be. They are claiming I am deficient in my escrow balance but my husband is certified XXXX  % XXXX veteran and does not pay property taxes. We have been going back and forth with this company, the tax assessor and treasury XXXX for over a month. Our mortgage payment was due on XX/XX/XXXX and we can not afford what they are charging. How can we resolve this? We have sent them proof of tax exemption and explained the situation multiple times and even had a XXXX way call with the assessors office today in which they explained it to them. Someone 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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I was alerted that my trust account was overdrawn. I immediately checked and there was a check that was not associated with my account posted causing an overdrawn status. I immediately called XXXX and was told to wait XXXX days to see if it fell off, which it did. 
In the meantime Chase alerted the XXXX  XXXX about the status of my account and an investigation was opened. When I contacted Chase for a letter clarifying that it was a bank mistake the branch sent me to online services. Online services sent me to the branch. 
Now I need to close the account per the XXXX XXXX directive. The again the branch sent me to online services and I just got off the phone again with a manager who again referred me to the bank

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
Kindly remove and block the unauthorized accounts listed on my credit report at your earliest convenience. I did not authorize these accounts, nor am I aware of their source. In accordance with USC 1681g, I am submitting a formal request for their removal within 15 days. Please find the attached documents for your review. Additionally, the account details being reported differ between the bureaus and contain errors.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: PA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Incorrect personal information in 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 2025-06-03 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:
Finding XXXX accounts, XXXX inquiries, and false XXXX information made or reported without my knowledge or agreement completely stunned and XXXX me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Issues with repayment — 
Company: Payactiv, Inc.
State: AZ

Complaint narrative:
I am submitting this complaint due to repeated XXXX deductions from my XXXX by XXXX, in violation of the XXXX XXXX Transfer Act ( XXXX ). I revoked authorization for all future deductions on XX/XX/XXXX via XXXX XXXX XXXX XXXX  acknowledged receipt of my revocation. 

Despite that, on XX/XX/XXXX, XXXX withdrew {$740.00} from my paycheck without authorization. I contacted XXXX immediately, and a representative named XXXX admitted the deduction was a mistake. On XX/XX/XXXX, I was told I would be receiving a refund that same day. However, due to internal delays which are part of a consistent pattern with XXXX the refund was not processed until XX/XX/XXXX. 

On XX/XX/XXXX, I sent an additional written revocation via email, and later that day I revoked authorization again during a XXXX  with XXXX agent XXXX, who confirmed that my account was XXXX and no further deductions would take place. 

However, on XX/XX/XXXX, XXXX once again deducted {$860.00} from my paycheck despite my clear and repeated revocations, a prior refund confirming fault, and explicit confirmation from their support team that all future deductions had been halted. 

I followed up again on XX/XX/XXXX, XXXX, and XXXX, contacting XXXX through both email and phone. Each time, I was told the issue would be escalated and that a XXXX  or XXXX would get in touch. On XX/XX/XXXX, I was told that I would receive a call and email from the XXXX department the following day. It is now XX/XX/XXXX, and I have received no call, no email, and no refund. 

As a result of XXXX repeated XXXX withdrawals, I am facing significant XXXX XXXX including : Multiple XXXX XXXX XXXX XXXX XXXX payment penalties A XXXX  balance in my XXXX account XXXX to my XXXX XXXX from missed payments My XXXX XXXX XXXX XXXX XXXX  and this has created XXXX XXXX XXXX on our household at a critical time

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TN

Complaint narrative:
Subject : Rebuttal Failure to Remove Unauthorized Inquiries Despite Identity Theft Report I am submitting this rebuttal in response to Experians inadequate resolution of Complaint ID XXXX, originally filed on XX/XX/XXXX, regarding XXXX unauthorized hard inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries were not authorized, and I submitted an FTC Identity Theft Report ( Report # XXXX ) along with government-issued ID, SSN, and proof of addressas required by FCRA and the FTC guidelines.

Issues with Experians Response : 1. Experian ignored the FTC Identity Theft Report, which under FCRA 605B, mandates the blocking of fraudulent data, including unauthorized inquiries.

2. They failed to conduct a reasonable investigation under FCRA 611 ( a ) and provided a form response claiming the inquirers had a permissible purpose without any proof of authorization or signed application.

3. FCRA 604 ( a ) ( 2 ) explicitly requires written authorization for any hard inquiry. No such documentation has been provided.

Violations Involved : FCRA 604 ( a ) ( 2 ) : No permissible purpose or written authorization provided FCRA 605B ( a ) : Failure to block fraudulent information after identity theft report FCRA 611 ( a ) : Failure to conduct reasonable reinvestigation FCRA 609 ( a ) ( 1 ) : Failure to disclose records of consent upon request I request that the CFPB enforce Experians compliance with federal law and : 1. Immediately remove both hard inquiries as identity theft under FCRA 605B.

2. Provide confirmation and a corrected copy of my credit report.

3. Investigate why the FTC Identity Theft Report was disregarded, and if necessary, refer Experian for civil penalties and regulatory review. 

I will also file a complaint with the FTC and state attorney general if this is not resolved properly.

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 2025-06-03 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:
In XX/XX/XXXX, I identified XXXX information on my credit report. This involves an account that I never authorized and that is completely unknown to me. The account was opened without my knowledge or consent, and it appears to be the result of identity theft or the misuse of my personal information. The fraudulent account that I am requesting to be BLOCKED and removed is : XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, I have noticed XXXX  inquiries that I did not recognize or authorize, made by the following entities : XXXX  XXXX, date of inquiried on XX/XX/XXXX XXXX, date of inquiried on XX/XX/XXXX Please help me by ensuring that these accounts are blocked and removed from my credit report as soon as possible.

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 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
PayPal account has been charged amount {$350.00} For XXXX XXXX XXXX XXXX receipt XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX 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 XXXX XXXX  They are non compliant with the FCRA. These erroneous reports XXXX XXXX  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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
In XX/XX/year>, I deposited check # XXXX from Chase Bank into my XXXX  XXXX XXXX account. Three months later, both banks continue to claim that the other bank has the money. In late XXXX, I filed a complaint with the CFPB against XXXX  XXXX XXXX because the online app would only allow me to file a complaint against one company. Three weeks later, XXXX  XXXX XXXX stated that Chase Bank has the money, and they are unable to communicate with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete 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 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX  - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXXXXXX XXXX XXXX Account Number : XXX * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX 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 explanation
Consumer complaint received 2025-06-03 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: VA

Complaint narrative:
I recently became aware that my personal information was exposed due to a data breach, resulting in fraudulent accounts on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete 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 XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$6500.00} XXXX  - Account Number : XXXX * * * * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$970.00} XXXXXXXX XXXX XXXX Account Number : XXX * * * XXX, Date Opened : XX/XX/XXXX, Balance : {$8700.00} XXXX - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$13000.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$20000.00} Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My name is XXXX XXXX. My date of birth is XX/XX/year>. my XXXX XXXX number is XXXX. This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit XXXX XXXX XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These accounts have resulted in several fraudulent XXXX  inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the XXXX XXXX  items. I do not recognize the XXXX accounts, collections, or XXXX  inquiries as reported. The XXXX  accounts, collections, and XXXX inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the XXXX accounts, collections, and XXXX inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing this to you so you XXXX help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief