vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as my formal notice that a hard inquiry from XXXX, dated XXXX XXXX, appears on my credit report without a resulting account, transaction, or any ongoing relationship. 
Under FCRA 604 ( a ) ( 3 ), a hard inquiry is only permissible when there is a legitimate consumer-initiated transaction or request. No account was ever opened following this inquiry, and no transaction or business relationship with XXXX was established. Therefore, there was and is no permissible purpose for this inquiry to remain on my credit file. 
You are required by law to maintain only accurate, verifiable information on my consumer report. Failure to remove this unverifiable inquiry constitutes a violation of the FCRA and entitles me to seek damages. 
Accordingly, I demand : Immediate deletion of the XXXX inquiry from all versions of my credit report, Written confirmation of the deletion, Disclosure of any documentation you relied upon to verify the existence of a permissible purpose.

Should you fail to comply within 30 days under FCRA 611, I will not hesitate to pursue all available remedies, including but not limited to filing formal complaints with the CFPB, FTC, and state Attorney General, and initiating a civil lawsuit for willful noncompliance under FCRA 616.

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 2025-04-30 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:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : 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 XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-04-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: V and H Portfolio
State: CA

Complaint narrative:
I was unaware of this debt and did not have an opportunity to dispute this account. If you believe you sent proper notification, please provide certified mail with receipt displaying my signature, if not please delete account as soon as possible from my report or I will be forced to take legal action thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
Chase Bank has been formally notified of the identity theft involving my personal information, as well as a police report. Despite this, I have been informed that my request for reimbursement has been denied. Let me be clear : I have provided substantial proof that these accounts and transactions are fraudulent and not mine. I have made repeated attempts to resolve this matter with Chaseboth independently and alongside my husband. My husband and I have also contacted the accounts below, and they told us to go through Chase. I have taken every responsible step, including filing a police report, freezing my credit with all major bureaus, and reaching out multiple times to their fraud and claims departments. These efforts have been thoroughly documented. I want to make it absolutely clear that I will not stop until my money is returned. I am prepared to take this as far as necessaryescalating to federal regulators, pursuing legal representation, and filing formal complaints. I am also prepared to share my experience publicly if needed. Chase has a Zero Liability policy, and under federal law, you are required to protect customers from unauthorized transactions when reported promptly and supported by evidencewhich I have provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to make it absolutely clear that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I expect my dispute to be handled in full compliance with federal law. 
Furthermore, I am aware that Equifax, Experian, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes. For example, the Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax {$15.00} XXXX for inadequate handling of credit report disputes. This demonstrates a clear pattern of non-compliance with federal regulations, and I want to ensure that my dispute is processed correctly. 
I also understand that credit bureaus often send automated stall letters or claim that disputes were not submitted directly by the consumer. I want to be very clearthis dispute is 100 % from me. Any attempt to claim otherwise will be considered a direct violation of my consumer rights. 
I am requesting that you send a written response to me at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to make it absolutely clear that this letter and all enclosed documents have been sent by me personally. I am fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and I expect my dispute to be handled in full compliance with federal law. 
Furthermore, I am aware that Equifax, Experian, and TransUnion have been the subject of recent enforcement actions and litigation related to their failure to properly investigate consumer disputes. For example, the Consumer Financial Protection Bureau ( CFPB ) recently fined Equifax {$15.00} XXXX for inadequate handling of credit report disputes. This demonstrates a clear pattern of non-compliance with federal regulations, and I want to ensure that my dispute is processed correctly. 
I also understand that credit bureaus often send automated stall letters or claim that disputes were not submitted directly by the consumer. I want to be very clearthis dispute is 100 % from me. Any attempt to claim otherwise will be considered a direct violation of my consumer rights. 
I am requesting that you send a written response to me at the following address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
My mortgage is serviced by Newrez, LLC. On XX/XX/, I received notice that a 100 % tax abatement on my property was approved. The same day I contacted Newrez, requested an escrow analysis, and sent all supporting documentation, which they have on file. 

On XX/XX/XXXX, a partial escrow refund was dispersed, of {$4100.00}, which did not account for any escrow payments made in XXXX, XXXX, or XXXX. 

On XXXX XXXX, another refund was dispersed, or {$4300.00}, which still was not the full amount due to me. There is a remaining {$2900.00} remaining. 

What I thought would be the final analysis to be completed was due on XX/XX/XXXX is not complete. I called Newrez on XXXX XXXX to follow up and was told that the case had been tagged to be expedited and would be completed on XXXX XXXX or XX/XX/XXXX. 

It is not complete and I have a payment on XX/XX/XXXX, which includes {$490.00} of escrow. That will bring the total that is being held by Newrez, and due to me to {$3400.00}. 

After my XX/XX/XXXX payment is made, I will have to request yet another escrow analysis to get the portion of my XXXX payment returned. If it is not processed before XX/XX/XXXX, this cycle starts again. 

Newrez is mismanaging my money and is not proactive in resolving this issue. It is the worst experience I have had with a loan servicer in my XXXX years of being a home owner.

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 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This is a supplemental filing to Complaint # XXXX. Truist has since issued a force-placed insurance threat ( XX/XX/year> ) despite prior compliance. Full details already submitted. This new documentation was not accepted through the portal, so I am filing separately to add the record.

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 2025-04-30 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: CA

Complaint narrative:
UNFORTUNATELY I AM A VICTIM OF IDENTITY FRAUD, WHICH HAS CAUSED ME A LOT OF ISSUES IN MY LIFE. SOMEONE USED MY IDENTITY FRAUDULENTLY. PLEASE HELP ME REMOVE THESE ACCOUNTS THAT I HAVE REPORTED TO YOU.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Auto Loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown in collection and late payment shown only on Experian and Equifax but not shown on TransUnion which is being inconsistently reported among the national credit bureaus.

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 2025-04-30 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:
In accordance with 15 U.S.C. 1681e ( b ), you are required by federal law to maintain procedures ensuring maximum possible accuracy in the preparation and reporting of consumer credit information. Upon reviewing my credit reports, I have identified inaccuracies pertaining to the collections accounts : Auto Loan account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account is shown in collection and late payment shown only on Experian and Equifax but not shown on TransUnion which is being inconsistently reported among the national credit bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE. I WANT THESE TO BE PERMANENTLY REMOVE OFF MY CREDIT REPORT. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
please remove these fraudulent accounts and inquiries from my credit profile immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I signed up for what I thought was a loan for an air conditioning unit for {$10000.00}. It turns out this was a store card account from Synchrony Bank. 
There is a {$69.00} 'activation fee ' on the account that I was not made aware of. The contract I signed says {$10000.00} and Synchrony won't send me a copy of what they have for at least 30 days.

They said the terms and conditions are on their website, but i wasn't aware of the fee or even Synchrony Back until the invoice landed in my mailbox today. 
I have spoken to XXXX different people, the first woman told me it was a 2 % fee, well 2 % of {$10000.00} is not {$69.00}. And told me it's in the contract i signed with the A/C company- it's not. 
I spoke to XXXX other supervisors and none will waive this fee. They claim they can't. Which i don't believe for XXXX moment. 
This is a deceptive fee designed so they can recoup the deferred interest if the account isn't paid in full by the XXXX  month interest free period.

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 2025-04-30 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-04-30 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company 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 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: General Motors Financial Company, Inc.
State: TN

Complaint narrative:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: DApps Platform, Inc.
State: NH

Complaint narrative:
I have a XXXX cryptocurrency account, and was sent a message saying account was compromised. I called the number in the message. Was told someone tried to access my account from XXXX had to lock my account and I should transfer to a wallet I already owned but I had to download an app called Trust wallet. I downloaded the app and proceeded to move funds, as I moved funds scammer drained my account of {$54000.00} dollars out of the trust app. I tried contacting trust wallet support and app is just a cut and paste app that actually doesnt do anything. Im completely distraught about this situation because there isnt any protection for consumers when it comes to these low life scammers that have no morals. I would like to know any actions that can be taken. Ive also reported it to the apple XXXX XXXX to report trust wallet with no response yet.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Credit Collections is showing a paid collection on my credit report that they started reporting XX/XX/year> when I was residing in a shelter for battered wives. 

This outdated information is making it extremely hard for me to rebuild my credit at normal interest rates. 

Can you please ask them to delete this negative information? 

Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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