vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Requested for Transunion to remove inquiries from : XXXX. XXXX XXXX XXXX  ran inquirie ( XXXX ) in error

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 2025-05-07 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: MA

Complaint narrative:
On XX/XX/XXXX I went into XXXX of XXXX with a pre approval from XXXXXXXX XXXX XXXX XXXX which I fully intended on using to purchase a vehicle. However I was persuaded by the sales team to seek a better deal through their lender I was explicitly assured there would only be one single inquiry used to facilitate this process. Contrary to their promises multiple inquiries were made to various third party lenders without my signed authorization. This conduct not only violated federal laws but also directly damaged my credit profile resulting in the devastating loss of funding for my dream home. After several days of delays and no better offers I ultimately used my pre approval from XXXX XXXX XXXX XXXX  which made the numerous hard inquiries completely unnecessary deceptive and harmful.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Checkr, Inc
State: NY

Complaint narrative:
I am a rideshare driver for both XXXX and XXXX. In XX/XX/year>, both companies initiated their annual background checks through Checkr. I submitted my Social Security XXXX and any required documents. XXXX completed the background check and cleared me with no issues. However, Checkr stated that they could not complete the background check for XXXX and directed me to contact XXXX. XXXX, in turn, told me my background check failed and referred me back to Checkr. 

I have contacted both companies multiple times, but neither is providing a clear answer or resolution. This situation has directly impacted my ability to work and earn income. I am requesting an investigation into why my XXXX background check could not be completed despite the same report being cleared for XXXX. 

I believe my rights under the Fair Credit Reporting Act ( FCRA ) may have been violated, and I would like this issue addressed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
This a follow up complaint that was sent to XXXX XXXX XXXX 
XX/XX/year> I was coming out of forbearance and the mortgage co wanted a payment of XXXX for XXXX  months and so I did. Then they sent me a modification letter. My fixed rate of XXXX increased to XXXX and the missed payments were capitalized through the life of the loan. It was va XXXX page modification letter and the XXXX most important bits of info were on the XXXX page. Under the direction of va homes loans did loan dept the va elected not to allow the mortgage to put the missed payments on the rears of the loan. Eventhough XXXX XXXX from XXXX website states that it can be in the rears so the va did adhere to thier own binded standards. Carrington called me everyday and begged me to sign the modification letter and send it in. Im 100 % service connected vet and Im XXXX ( XXXX XXXX ). The XXXX XXXXXXXX XXXX dept didnt have any knowledge of My XXXX. Nor did they care. I learned the hard they are not my fiduciary. I Allway thought they were but theyre not they are on the side of the banks not the vets. so I returned The letter. 
My original Payment Was XXXX A month now XXXX a month I thought I could do it but I couldnt. 
So my last payment of XXXX Was in XX/XX/year>. I told the bank now that my monthly payment went up XXXX I can not afford it. Then in XX/XX/year> a new program called the XXXX program went into effect. I never heard of it till it was active. But to be eligible for the XXXX program I needed to make XXXX payment. I only made XXXX. I lost my eligibility for th XXXX XXXX program because of XXXX missed payment and thus lost the house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I had multiple unauthorized transactions to XXXX that I did not make. A device of mine was stolen with personal information including my bank account information and credit card information. My credit card providers and my other bank both resolved these fraudulent transactions deeming that I was not responsible and I was made whole, but Citizens Bank keeps denying my claim despite me having emails with XXXX where they even state I do not have an account with them, The total amount taken from my checking account was {$7200.00}. This is not a dispute with XXXX, but Citizens Bank as they will not reverse the fraudulent charges and will not give me a valid reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, but the errors have not been corrected. Attached are copies of the letters previously sent to each bureau. I have also included a table outlining the discrepancies across all three credit reports. I am requesting your assistance in resolving these issues promptly.

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 2025-05-07 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: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: Fairway Capital Recovery, LLC
State: NC

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, but the errors have not been corrected. Attached are copies of the letters previously sent to each bureau. I have also included a table outlining the discrepancies across all three credit reports. I am requesting your assistance in resolving these issues promptly.

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 2025-05-07 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: AL

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report, but the errors have not been corrected. Attached are copies of the letters previously sent to each bureau. I have also included a table outlining the discrepancies across all three credit reports. I am requesting your assistance in resolving these issues promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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. This fraudulent, inaccurate, and false information consists of : LIST OF ACCOUNTS TO BE REMOVED XXXX XXXX XXXX XXXXXXXX BALANCED {$6400.00XXXX XXXX XXXX BALANCED {$3400.00} XXXXXXXX XXXX XXXXXXXX XXXX BALANCED {$2000.00} XXXX XXXX XXXXXXXX BALANCED {$6800.00} XXXXXXXX XXXX XXXXXXXX BALANCED {$5600.00} XXXX XXXX BALANCED {$4200.00} XXXX XXXX XXXX XXXX BALANCED {$1600.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$3000.00} XXXX XXXX XXXX XXXX BALANCED {$390.00} XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$1500.00} These accounts has resulted in several appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent accounts. I do not recognize the aforementioned accounts, as reported. The aforementioned accounts, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Duvera Billing Services, LLC
State: TX

Complaint narrative:
I entered into a financing agreement with EasyPay Finance in XXXX, Texas, for a purchase made at a participating merchant. At the time of the agreement, I was not clearly informed either verbally or in writing that failing to pay off the balance within 90 days would result in a substantial increase in the amount owed. After the XXXX mark passed, my payment balance suddenly increased by 88.99 %, which was not transparently disclosed at the time of signing. I have a recorded phone call with XXXX representatives confirming this increase. When I inquired about it, I was told it was part of the " finance charge cap '' promotion, but this was never clearly presented to me, nor did I receive any prominent notification prior to or during the XXXX window. I believe this constitutes deceptive and unfair lending practices, including failure to disclose material terms in accordance with Texas consumer protection laws and federal truth-in-lending standards. I am requesting a formal investigation and resolution, including a correction of the charges and removal of any negative impact on my credit if applicable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whom It May Concern : I am writing to formally dispute an account on my credit report that is inaccurate and unauthorized. The account in question is listed as follows : Disputed Account : Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Status : Closed {$60.00} past due as of XX/XX/XXXX Balance : {$580.00} Credit Limit : {$300.00} I did not authorize this account, and I dispute both the accuracy and validity of the reported information. According to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( 2 ) and Section 605B, it is illegal to furnish or report information on my credit report without proper authorization.

I demand that this account be investigated and removed immediately from all records and reporting agencies. Please provide written confirmation of the deletion or results of the investigation within the legally mandated timeframe.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX of Birth : XX/XX/XXXX SSN : XXXX Phone : XXXX Email : 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 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am formally submitting this complaint regarding two unauthorized hard inquiries made by JPMCB Card ( Chase ) on my consumer credit reports dated XX/XX/year> and XX/XX/year>. I did not initiate any credit application or authorize any inquiry with JPMCB on or near these dates. The inclusion of these inquiries on my credit reports violates the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681b, which restricts the circumstances under which a credit report may be accessed. 

Despite sending a direct dispute to JPMCB Card, they have failed to remove the inquiries or provide permissible purpose documentation. Their continued reporting of these inquiries violates the following sections of the FCRA : 15 U.S. Code 1681b Access to credit reports must have a valid permissible purpose. No such authorization exists in this case.

15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) Furnishers must not report information known to be inaccurate or unverifiable.

15 U.S. Code 1681i ( a ) ( 1 ) A reinvestigation must be conducted upon notice of a dispute. No results of reinvestigation or method of verification have been provided to me.

15 U.S. Code 1681i ( a ) ( 6 ) The furnisher and credit bureaus are required to provide written results of the investigation within 30 days, which I have not received. 

The presence of these unauthorized inquiries is actively damaging my credit rating and has directly contributed to denials of credit applications. As a consumer, I have a right to fair and accurate credit reporting. Chases inaction and lack of compliance has obstructed that right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CA

Complaint narrative:
I reviewed my account statements and noticed a {$37.00} charge at XXXX that I did not authorize. I disputed the transaction with Chime, who issued me a new card and temporarily credited my account. About a week ago, I received an email saying the investigation was closed and that Chime determined the charge was legitimate. When I called for more information, Chime only provided my original dispute statement as their evidence-there was no real investigation. 
Additionally, all my previous XXXX  transactions typically include the store number and phone number in the description, but this particular charge just said chicken day, which doesnt match the usual format and looks suspicious. I dont understand why Chime didnt notice this discrepancy or contact XXXX  for more details before closing my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: OH

Complaint narrative:
I am disputing an auto loan account reported by Westlake Portfolio Management. The account is listed as in collections/charge-off and shows a payment history that ends in XXXX. This is factually incorrect. 

I made payments to Westlake well after XXXX including into XXXX and possibly XXXX but those payments are not shown in the payment history. This creates a misleading picture of my payment behavior and negatively impacts my credit report. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and complete information. I am requesting that the CFPB investigate this account and require Westlake Portfolio Management to update the payment history to reflect all actual payments made. If they can not provide accurate documentation of the payment record, I am requesting that this account be removed from my credit report.

Company response to consumer: Closed with explanation