vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year>XXXX XXXX XXXX, which is my bank requested a balance transfer in the amount of {$700.00} to my credit card account at Chase bank. Chase Bank claims they never received the request. After going back and forth for 5 months my bank finally gave me the Trace number for the transaction. I spoke with XXXX at Chase Bank on XXXX and was told there's nothing they can do regarding the transfer. She said it was already researched and Chase Bank found no evidence of the transfer. I had previously submitted a complaint against XXXX XXXX  and they finally responded with the trace number. Now I am hoping that Chase Bank will follow up regarding this balance transfer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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:
Im reaching out to dispute fraudulent accounts resulting from a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove 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 XXXX XXXX  XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$2800.00}

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 2025-05-28 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:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ] Creditor Name : [ XXXX XXXX XXXX XXXX  XXXX ] Account Number : [ XXXXXXXX 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 2025-05-28 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: SC

Complaint narrative:
XX/XX/year> - I purchased a new car and while trying to unfreeze my credit reports ( which I placed years earlier ), I was unable to log into Experian. The email and phone number on the account with my social security number had been changed and is not mine. I attempted to call Experian that day and on Tuesday, XX/XX/year>, without any help or ability to speak to someone to take care of this issue.

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 2025-05-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I have previously told them I can not be called during working hours ( Approximately 3 months ago ). In the call today XX/XX/year> I informed the lady representing Transworld Systems that I could not talk during working hours. I work XXXX - XXXX Monday - Friday I informed her. I also told her that I had already told Transworld systems rep that I can not be called darning working hours. The lady continued to ask me questions to verify my address instead of apologizing and ending the call for a later time. I had to tell the lady there is a reason I can not take calls at work and she still was questioning me. I also told her that USPS ( informed delivery program ) as notified me i will be receiving a letter in mail from Transworld System. She was still trying to keep me on the phone by asking questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MD

Complaint narrative:
The XXXX administration had removed and paid off the loan. Its been on there over almost close to 30 years. I asked them to remove it off my credit. Why is it still there the others has been removed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
Company is buying and selling multiple debts that do not belong to me. Nor do I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
XXXX XX/XX/XXXX, I discovered that a federal student loan from XXXX is being reported under the name XXXX  XXXX. I did not apply for, authorize, or receive this loan. On XX/XX/XXXX, I submitted a formal dispute letter along with an FTC Identity Theft Report requesting full validation, including a signed promissory note or other legal proof I agreed to the loan. No documents have been provided, and the account remains on my credit reports. 

The loan is being reported by all three credit bureaus with inconsistent and inaccurate information, including different balances, open dates, and comments. These errors violate the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting and proper responses to disputes. 

I am a confirmed victim of identity theft and was impacted by the XXXX Equifax data breach. I believe this loan was fraudulently created using my compromised personal information. 

This account is harming my credit and has never been validated. I am requesting immediate and permanent deletion. I have attached my FTC Identity Theft Report and a copy of my formal dispute letter as proof of my efforts to resolve this matter properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XXXX XX/XX/XXXX, I discovered that a federal student loan from XXXX is being reported under the name DOE XXXX. I did not apply for, authorize, or receive this loan. On XX/XX/XXXX, I submitted a formal dispute letter along with an FTC Identity Theft Report requesting full validation, including a signed promissory note or other legal proof I agreed to the loan. No documents have been provided, and the account remains on my credit reports. 

The loan is being reported by all three credit bureaus with inconsistent and inaccurate information, including different balances, open dates, and comments. These errors violate the Fair Credit Reporting Act ( FCRA ), which requires accurate reporting and proper responses to disputes. 

I am a confirmed victim of identity theft and was impacted by the XXXX XXXX  data breach. I believe this loan was fraudulently created using my compromised personal information. 

This account is harming my credit and has never been validated. I am requesting immediate and permanent deletion. I have attached my FTC Identity Theft Report and a copy of my formal dispute letter as proof of my efforts to resolve this matter 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 2025-05-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: NH

Complaint narrative:
My loan was sold to XXXX XXXX XXXX XXXX Mr. Cooper effective on XX/XX/XXXX. For property located in XXXX, NH XXXX I received a letter from Mr. Cooper dated XXXX XX/XX/XXXX for Flood Hazard insurance requirements with 45 days timeframe to provide Mr. Cooper with coverage for flood hazard insurance. I called Mr. Cooper on XX/XX/XXXX ; requesting the proof and justification of why they have determined that our property requires flood hazard insurance coverage. They said their determination to requires flood hazard insurance was due to XXXX XXXX that was effective on XX/XX/XXXX according to them. That's a serious coincident. I've spoke to all my surrounding neighbors and they said they aren't required to have flood insurance by their loan servicers. There is nothing on XXXX websites that shows our property is close to any water source. I've also visited the XXXX XXXX XXXX XXXX, XXXX  and their website and they said my property is not in the flood zone. Our property was a new construction that's built in XXXX. 

Mr. Cooper sent an encrypted PDF document in a zip file format titled " Request_Documents.zip '' which requires a login/password to view. That's supposedly was from the recent XXXX mapping indicating the change on our property from a Zone X to a Zone A ; as their ( Mr. Cooper ) proof and justification for the requirement for flood insurance. The PDF document is blank. Tried to view it on my XXXX and work laptop without any success. Will keep that on my work laptop as future proof. 

I've submitted an application of Letter of Map Amendment to XXXX on XX/XX/XXXX ; to avoid any serious issues and submitted all documents including deed, tax map, and other supporting documents. Hopefully XXXX can respond as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
XXXX checking accounts were opened with Wells Fargo without my permission on XX/XX/year>.

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 2025-05-28 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: TX

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: FL

Complaint narrative:
Hi, Im sending this complaint becuz Equifax is reporting a collection account from XXXX XXXX XXXX with account number XXXX and a balance of {$150.00}. I wan na make clear that I dont recognize this debt and I never got any letter, notice, or info about it before it just showed up on my credit file. 

I never agreed to this debt, and under the Fair Debt Collection Practices Act ( FDCPA 15 U.S.C. 1692g ) I have the right to ask for validation, which means real proof that this debt is mine. Up to now, no ones shown me any contract, statements, or anything that proves its legit.

Also, under the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681i and 1681g ), I have the right to dispute and reinvestigate any info thats not 100 % accurate and complete. I already r
equested this from Equifax but havent received anything valid or detailed in response.

This is damaging my credit, and its not fair to keep something on my report that no one can even prove belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: GA

Complaint narrative:
This letter is to notify you that I was a victim of a data breach, and fraudulent accounts now appear on my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C.

1681c-2 ( a ) ), I demand blocking and deletion 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 GA XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$45.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7300.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$5500.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$93.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4800.00} XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$330.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} Inquiries 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 2025-05-28 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: NM

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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:
It has came to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports I noticed some accounts I am not familiar with I have asked the CRA 's for validation, however the information has not been provided as of XX/XX/year>. Due to my information being exposed I have submitted a FTC complaint reporting the information I am not familiar with. 

please find the attached a copy of My ID, the FTC complaint a copy of the Equifax data breach showing that my information has being exposed in a national data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: IL

Complaint narrative:
I disputed a XXXX  XXXX credit card tradeline with a balance of approximately {$1300.00} on Experian because it was missing reporting for XXXX and XX/XX/, and it did not reflect a payment I made in XX/XX/XXXX  under a payment arrangement. 

I mailed my dispute letter to Experian on XXXX, XX/XX/, and just three days later, on XXXX, XX/XX/XXXX, the account was suddenly updated to closed, and XXXX and XXXX reporting was added. However, the XXXX payment I made still is not showing, and this update caused my credit score to drop by XXXX points. 

The timing strongly suggests Experian only updated the tradeline after receiving my dispute and failed to verify or investigate the missing payment or timeline discrepancies. 

In addition, XXXX  and XXXX  have not been updated at all, which makes the reporting inconsistent across bureaus a violation of FCRA and Metro 2 guidelines requiring furnishers to report accurately and uniformly.

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 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am writing to formally dispute multiple unauthorized accounts and inquiries that appear on my credit report. I have sent each bureau everything attached to this claim prior to escalating to this step and have received stall tactics saying my identity cant be verified, or an inaccurate item coming back as verified in less than 24 hours which shows first a real person did not investigate but instead an EOSCAR SYSTEM. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I am entitled to dispute any information that I believe to be inaccurate or incomplete.

I have identified accounts and inquiries listed on my credit report that I did not authorize or provide written consent for. This is a total breach of privacy and trust when it comes to consumer reporting. 
Accounts : XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX Inquiries : 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 2025-05-28 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:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I request that you block and remove the following accounts from my report 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 XXXXXXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$570.00} Inquiries XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief