vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-20 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:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: MD

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the past five years that I was away from the United States, my personal information was stolen and used to open accounts at Bank of America. After returning to the United States in XXXX of this year, I contacted BoA to investigate and determined that I was not responsible for those accounts. However, to this day, I am still unable to open any accounts at Bank of America. I tried to register for an account twice, but both times it was closed by their risk department the next day without any reason.

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 2025-08-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Zap Solutions, Inc.
State: FL

Complaint narrative:
To whom it may concern : I deposited {$10000.00} into this " STRIKE '' account ( user name : XXXX ) and they were reviewing my information and they came back and told me that this looks like a " SCAM '', which believe me, this is not true. So, they shut my account down, and told me that they were going to wire my money back into my Checking Account on XX/XX/2025 @ XXXX, but this never happened. Now, it's six days later and no money yet. I'm writing this complaint on XXXX @ XXXX XXXX. I called my banks wire department numerous times ( XXXX ), and they tell me they don't see this wire transfer from STRIKE also known as ( ZAP SOLUTIONS INC ). I just checked my bank account ( @ XXXXXXXX XXXX ) as I'm writing this complaint and still no {$10000.00}. 

So, here I am, still waiting for my money.!. 

Thank You! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to 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 2025-08-21 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: TX

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-20 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: FL

Complaint narrative:
I am a victim of identity theft and I'm just trying to get my life back in the right direction...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-20 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: GA

Complaint narrative:
XXXX Update XXXXXXXX XXXX XXXX XXXX  XXXX XXXX I am submitting this update to my existing CFPB complaint against XXXXXXXX XXXX. 

Since my initial filing, XXXXXXXX XXXX XXXXas transferred servicing of my mortgage to XXXX XXXX XXXX while a Qualified Written Request ( QWR ) was still pending. This is a direct violation of RESPA ( 12 U.S.C. 2605 ( e ) ( 2 ) ), which requires a servicer to fully respond to a QWR before transferring servicing. 

Timeline of Events : 1. I submitted multiple QWRs to XXXX XXXX  requesting the Security Deed, Chain of Title, and proof of servicing authority. XXXXXXXX XXXX failed to provide these documents. 
2. Instead of complying, XXXXXXXX XXXX transferred servicing to XXXX XXXX XXXX in XX/XX/2025. 
3. I have since received late payment notices from XXXX, but they too have not provided any validation of ownership or authority despite my demand. 
4. XXXX records show XXXXXXXX XXXX as Inactive, and XXXX XXXX XXXX XXXX listed as Active for this loan. This further raises concerns about who the lawful servicer actually is. 

Current Concerns : XXXXXXXX XXXX violated RESPA by transferring during a pending QWR. 
XXXX XXXX XXXX is attempting collection without validating their servicing rights. 
Neither party has produced the Security Deed or Chain of Title proving lawful ownership.

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 2025-08-20 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:
Complaint Update XXXX XXXX XXXX XXXX XXXXXXXX XXXX I am submitting this update to my existing CFPB complaint against XXXX XXXX. 

Since my initial filing, XXXX XXXX  has transferred servicing of my mortgage to XXXX XXXX XXXX while a Qualified Written Request ( QWR ) was still pending. This is a direct violation of RESPA ( 12 U.S.C. 2605 ( e ) ( 2 ) ), which requires a servicer to fully respond to a QWR before transferring servicing. 

Timeline of Events : 1. I submitted multiple QWRs to XXXX XXXX  requesting the Security Deed, Chain of Title, and proof of servicing authority. XXXX XXXX  failed to provide these documents. 
XXXX. Instead of complying, XXXX XXXX  transferred servicing to XXXX XXXX XXXX in XX/XX/2025. 
XXXX. I have since received late payment notices from XXXX, but they too have not provided any validation of ownership or authority despite my demand. 
XXXX. XXXX XXXX XXXX XXXX XXXX  as Inactive, and XXXX XXXX XXXX XXXX listed as Active for this loan. This further raises concerns about who the lawful servicer actually is. 

Current Concerns : XXXXXXXX XXXX violated RESPA by transferring during a pending QWR. 
XXXX XXXX XXXX is attempting collection without validating their servicing rights. 
Neither party has produced the Security Deed or XXXXXXXX XXXX XXXXXXXX proving lawful ownership.

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 2025-08-20 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: AL

Complaint narrative:
I requested to put my credit card into a settlement instead of going into delinquent status. They have put it on my credit report without calling me, without a follow up, nor me receiving any mail. I want this off of my credit report and to see if a settlement can occur. I'll call tomorrow to put in my application for it. I was told that I had to wait to apply in which I've done. This needs to be removed off my credit report as I'm trying to settle so I don't continue to get behind due to high interest rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 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: TX

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

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 2025-08-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: The Savings Group, Inc.
State: VA

Complaint narrative:
I was preapproved with XXXX XXXX to refinance my vehicle that I just recently purchased for a XXXX  XXXX XXXX. I went ahead and submitted the application for the preapproval and it pulled several hard inquiries on my credit report. After speaking with auto pay, who I have the preapproval for, come to find out that they are in fact, not the financial institution that I would be refinancing from. They also came back to me today after speaking with them yesterday that I was approved, that Im now not approved and that they cant give me any better terms than what I already have. I have the screenshot of the preapproval from where I would have gone from 13.59 % XXXX point something percent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I went to a Chase ATM to deposit cash. I made XXXX separate deposits : The first deposit was {$700.00}, which was successfully processed. 

The second deposit was {$5300.00}. During this transaction, the ATM encountered an error, failed to process the deposit, and did not return my cash. 

I immediately contacted Chase to report the issue and requested an investigation. Despite multiple follow-up calls, the bank denied my claim and refused to return my funds. I also requested the camera footage from the ATM during the transaction, but Chase denied access. 

This has caused significant financial hardship, and I believe Chase has not properly investigated the matter. I am requesting CFPBs assistance to recover my missing {$5300.00} and ensure a fair investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I am a victim of identity theft. I recently discovered that I was listed as part of the Equifax data breach where my personal information has been exposed. My identity has been stolen and I am so sad. Please help assist me in the matter. Im seeking that my consumer rights be implemented in the FCRA Section 605B ( 15 U.S.C. 1681c-2 ). As an individual whos a victim of identity theft, I have the right to request that any fraudulent information be removed from all of my credit reports. This law states that credit reporting agencies promptly eliminate any information that originated from identity theft once they receive appropriate notification. Please remove these account in 4 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NY

Complaint narrative:
I am writing to express my deep concern regarding the disputed accounts currently appearing on my credit report. I have raised these inaccuracies multiple times and consistently requested thorough investigations. However, despite my continued efforts, I have not received a resolution or seen any meaningful progress. These erroneous accounts are having a serious impact on my credit standing and are creating significant barriers in my everyday life. The consequences of these reporting errors have caused ongoing hardship, and I am left with no alternative but to urgently seek your assistance in resolving this matter. I respectfully request a comprehensive investigation into each disputed account and that immediate corrective action be taken to update my credit report accordingly. Restoring the accuracy of my credit file is essential to regaining control over my financial future. I urge you to treat this matter with the highest priority and take swift, decisive action. Thank you for your prompt attention and support.

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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
On XX/XX/year> a debt collector claiming to be from Structured Settlement contacted me regarding a debt I owe from a loan I took out with XXXX XXXX. I was not able to answer the phone at the time the debt collector, whose name is XXXX XXXX, called so he left a voicemail. On the voicemail XXXX stated he worked for Structured Settlement and that he had already contacted my payroll department and verified my employment income. XXXX also put the last XXXX digits of my social security number in the voicemail. I have XXXX issues with XXXX, Structured Settlement and the voicemail left on my phone. XXXX ) my account is in collections with Nationwide Capital Services not Structured Settlement and can be seen listed on XXXX XXXX and XXXX  as in collections with Nationwide Capital Services. 2 ) I am currently not employed and therefore XXXX used deceptive practices when he said he had contacted my payroll department to verify employment income. He was attempting to use scare tactics to get me to make immediate payment on the debt and if I were employed I may have believed XXXX deceptive statements about him contacting my employer. XXXX ) Stating the last XXXX digits in a voicemail is extremely risky and bad business practice. A lot of companies use your name, date of birth, and last for of your SSN to verify identity. Had that voicemail been left on the wrong number someone would have both my name and social security number, XXXX out of the XXXX most common identity verification methods.

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 2025-08-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: CrossCountry Mortgage LLC
State: NC

Complaint narrative:
I am filing this complaint regarding an unauthorized hard credit inquiry conducted by CrossCountry Mortgage , LLC. I was explicitly informed via email that only a soft credit pull would be performed. Contrary to this representation, a hard inquiry was placed on my credit report without my consent.

This action violates the Fair Credit Reporting Act ( FCRA ), which requires prior authorization for hard inquiries. The misrepresentation and subsequent impact on my creditworthiness are unacceptable and warrant regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian is reporting XXXX inaccurate addresses on my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses do not belong to me. I have already sent Experian proof of my correct address ( drivers license and utility bill ), yet the inaccurate addresses remain on my report. 

This issue is directly tied to the problems identified in XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where Experians Fraud XXXX Indicators caused consumers addresses to be incorrectly flagged as high risk or non-residential. Experian settled that case for {$22.00} XXXX and agreed to change its procedures, yet they continue to report false addresses in violation of the Fair Credit Reporting Act. 

These errors harm me by creating the appearance of fraudulent or high-risk activity, which could impact my credit opportunities.

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 2025-08-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX. Account Number : XXXX, Account name : CHILD SUPPORT ENFORCEM. Account Number : XXXX, Account name : XXXX XXXX XXXX. Account Number : XXXX, Account name : XXXX XXXX XXXX Account Number : N/A has violated my rights. 

And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
They called me from XXXX. Caller ID showed Chase and they knew my name but did not verify and information. They claimed to be from Chase stating I opened a checking account online and tried to XXXX two people. They wanted me to call XXXX with the following claim # s and cancellation numbers for the two supposed XXXX transactions. 
Case # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I XXXX  the XXXX # and it appears its a scam #

Company response to consumer: Closed with explanation