vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
On XXXX XX/XX/year> I transferred XXXX dollars to what I believed and USAA verified was MY account. That money was never received into my account it was routed to another account at XXXX. USAA is not helping resolve the issue in a timely manner. I have submitted multiple inquiries and all the answers are the same. XXXX XXXX is not responding to the inquiry and USAA isnt pursuing the issue. They make the attempt and close the inquiry without notification it has been closed.

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I am filing this formal complaint against Ally Financial ( ALLY FINCL ) for reporting inaccurate, outdated, and unverifiable negative information on my credit report. Despite previous disputes, Ally Financial has failed to provide sufficient documentation or verification, and continues to report late payments and delinquent information that can not be validated.

Under the Fair Credit Reporting Act ( FCRA ) : - 15 U.S. Code 1681e ( b ) requires furnishers to report only accurate and current information.- 15 U.S. Code 1681i requires a full and reasonable reinvestigation upon notice of dispute.- 15 U.S. Code 1681s-2 mandates that furnishers must correct and update any inaccurate or unverifiable information promptly.

Ally Financial has not complied with these provisions. They have failed to provide a Method of Verification ( MOV ) or proof such as a signed contract or itemized transaction records. Their continued reporting of this tradeline without proper validation is a direct violation of FCRA compliance requirements. This ongoing inaccuracy negatively affects my credit profile and causes substantial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
A {$500.00} charge was made to my BMO account on XX/XX/year>, from a merchant named XXXX XXXX XXXX, which I never authorized or interacted with. I never visited their website, placed an order, or received any goods. The merchants website is no longer active, further raising suspicion of fraud. 

I contacted BMO to dispute the charge, but they denied my claim and provided what appears to be a fabricated receipt. It includes my personal information name, address, email which may have been used without my consent, possibly due to a past data breach I was affected by.

BMO claimed the order was placed and fulfilled, but I never received anything and did not authorize any purchase. I requested a proper investigation, a chargeback, and a refund, but BMO refused, despite clear signs of fraud. The merchant can not be contacted, and their online presence no longer exists.

This has caused serious concern, as BMO has sided with a fraudulent entity and dismissed my claim without validating the legitimacy o
f the website or confirming delivery of any products. Im now seeking assistance through CFPB for a full investigation and refund.

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 monetary relief
Consumer complaint received 2025-05-29 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: NV

Complaint narrative:
I did not give XXXX XXXX permission to view and obtain my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: PROVIDENT FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
In XXXX XXXX, a XXXX late payment was reported by Provident Bank on my mortgage account. The payment was delayed due to an autopay disruption that occurred while refinancing the loan through a title company. Unfortunately, the title companys processing delay caused a timing issue that interrupted the normal payment process. 

I contacted Provident Bank after the issue and explained the situation, and the loan was refinanced successfully that same month. I have since maintained responsible financial behavior and had no other issues with this or any other account. 

I requested a goodwill adjustment from Provident Bank to remove the late mark, as it was a one-time situation during an otherwise well-managed account. Despite my explanation and efforts, they refused to consider a removal. 

I am respectfully asking the CFPB to review this situation and encourage Provident Bank to offer a resolution, such as removing the negative reporting or reclassifying the mark, as a matter of good faith. This single late payment is having an outsized negative impact on my credit score, which I am actively working to rebuild.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I contacted chase when i realized my card has been compromised ( not physically, through XXXX XXXX ) for {$180.00} charged under XXXX. I called and gave the agent all the dates where I had fraudulent charges starting from XX/XX/XXXX for {$2.00} and a couple more throughout XXXX and the big one on XX/XX/XXXX for {$180.00}. I tried contacting them again about why my XXXX of XXXX charge XXXX refunded or returned saying it exceeded the XXXX rule but when I first called the agent they failed to inform me about the XXXX rule, I wouldve just ignored the {$2.00} charge on the XXXX of XXXX and claimed the ones that dont exceed the XXXX to include my {$180.00} but as I said the agent failed to relay the important information. They said nothing could be done even though I know they can re open the case and give me my money back. This is beyond unacceptable, I have bills to pay and responsibilities so please if u could help me out I would greatly appreciate it. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
1. Institution applied my payment to my daughters loan. They corrected it but never removed the late payments from the experian bureau.

2. I used a skip a pay promotion and the coupon said the loan maturity would be extended by 1 month. They did not do this upon maturity.

3. I deferred a payment during Covid and requested the repayment policy for these and never received it.

4. I requested a loan to date statement at maturity to verify they correctly reapplied the payments from issue 1 and never received it.

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 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Larry H. Miller Group of Companies
State: MI

Complaint narrative:
I am submitting this formal complaint against XXXX XXXX XXXX ( PRESTIGE FNL ) for the continued reporting of inaccurate and unverified negative information on my credit report. The account in question has been disputed, yet XXXX XXXX has failed to provide proper validation or verification of the alleged delinquencies and continues to report outdated and unverifiable data. 
Under the Fair Credit Reporting Act ( FCRA ) : - 1681e ( b ) requires data furnishers and consumer reporting agencies to maintain maximum possible accuracy.- 1681i mandates a reasonable reinvestigation of disputed information.- 1681s-2 outlines the responsibilities of data furnishers to correct and update any inaccurate, incomplete, or unverifiable information. 
Prestige Financial has not provided a valid Method of Verification ( MOV ) in response to my previous disputes. No original signed agreement, account breakdown, or accurate payment records have been provided to support the derogatory tradeline. Instead, Prestige continues to report this data without meeting their legal obligations under the FCRA. 
This non-compliance is harming my creditworthiness and constitutes a willful violation of federal consumer protection statutes. The reporting is neither substantiated nor updated, which puts it in direct conflict with FCRA regulations concerning data integrity.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: Penn Credit Corporation
State: MI

Complaint narrative:
I disputed an alleged DTE Energy debt that Penn Credit Corporation attempted to collect. On XX/XX/year>, I sent a formal written debt validation request under 15 U.S.C. 1692g, asking Penn to provide proof that the debt was valid, including a signed contract, billing history, and authorization to collect. 

Penn received the letter on XX/XX/XXXX and replied with documents that did not include any signed contract, itemized billing, or proper validation just a XXXX account lookup sheet and a privacy policy. This does not satisfy federal debt validation requirements. 

On XX/XX/year>, I sent a final cease and desist letter demanding they stop collection attempts. Despite this, they sent XXXX more letters on XX/XX/XXXX, continuing to claim the debt was verified without offering any new or adequate proof. 

This violates the FDCPA ( continued communication after cease and desist, and attempting collection without proper validation ) and potentially the FCRA if the debt is being reported to the credit bureaus. I am requesting that Penn Credit Corporation be required to either properly validate this debt with legally sufficient documentation or delete all associated reporting immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
In 2020, New Rez was named as a nominal defendant in an easement dispute between our adjacent neighborsboth attorneysand my wife and me, both senior citizens. Newrez was included solely because it holds a deed of trust on our property.


According to our attorney, New Rezs involvement in the case was minimal : it filed only an Answer to the Complaint and attended a few court hearings. No discovery was served on New Rez, no depositions were taken, and no motions were filed against it. Despite this limited participation, New Rez is now seeking to recover {$14000.00} in alleged attorneys fees and litigation costswithout providing any itemized billing or justification. We have repeatedly contacted our loan servicer to dispute these improper charges on our mortgage statements, including submitting a formal online dispute. All our efforts have been ignored. To address this, we retained our own attorney, incurring additional legal expenses, to correspond with New Rez and request a breakdown of the charges. That request, too, was ignored. Notably, when New Rez sought dismissal from the case, all remaining parties agreed to release New Rez from the action and stipulated that each party would bear their own attorneys fees in connection with New Rezs involvement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX, XXXX, HI, XXXX XXXX XXXX XXXX, XXXX XXXX, AS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, HI, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is : XXXX XXXX XXXX XXXX XXXX WA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: NJ

Complaint narrative:
I am submitting this follow-up to my complaint regarding TransUnions unlawful and repeated reinsertion of XXXX XXXX accounts into my credit file ( account # XXXX and XXXX ). These accounts were deleted and have now been reinserted XXXX separate times without proper notice or certification, in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) ( ii )- ( iii ). Despite these accounts being removed through previous disputes, TransUnion continues to allow them to reappear without providing any written notice, documentation, or lawful certification. No explanation or verification has ever been supplied as required by law, and these repeated reinsertions have occurred without following FCRA reinsertion protocols. This conduct violates multiple provisions of the FCRA, including : 15 U.S.C. 1681b lack of permissible purpose ; 15 U.S.C. 1681e ( b ) failure to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) failure to conduct a lawful investigation. These violations have caused me emotional distress, financial harm, and repeated credit denials. Importantly, the CFPB has formally sued XXXX for nearly identical misconduct, citing sham investigations, failure to properly handle consumer disputes, and improper reinsertion of previously deleted accounts. That lawsuit mirrors my own experience with XXXX that these are not isolated incidents but rather part of a broader systemic issue among the credit reporting agencies. I have also submitted a formal FTC Identity Theft Report and a Consumer Fraud Report, along with supporting documentation, to further substantiate the illegitimacy of these accounts and the damage caused by their continued presence. I am demanding the immediate and permanent deletion of the XXXX accounts from my TransUnion credit file, written confirmation that they will not be reinserted again, and full documentation of any communications or investigations conducted. I further request that the CFPB take enforcement action to hold TransUnion accountable for these repeated FCRA violations, and to prevent this misconduct from continuing against other consumers.

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 2025-05-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
On XX/XX/XXXX I tried to purchase XXXX on XXXX and it said my accounts were froze. On XX/XX/XXXX I contacted Coinbase and was told my case was going to get escalated and unlocked. 1 hour later I was given this email saying I couldn't use my account and to transfer my cryptocurrency.

The problem is they are not letting me send my cryptocurrency even though they are claiming they are. I must sell it to get it out and I do not want to do that, I need to transfer my cryptocurrency to my private wallets

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: SC

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX 'm unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, pleasse provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account as soon as possible from my report or i will have to take legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
I placed an order for {$450.00} on XX/XX/year>, through XXXX using my Discover card. The merchant has not provided any tracking number or valid proof of delivery. I submitted a timely dispute to Discover with documentation, including screenshots from XXXX interface showing no shipment or delivery. However, Discover is denying my dispute and has not provided a clear reason or resolution. This is a clear violation of my rights under the Fair Credit Billing Act. I am seeking a full reversal of the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Stenger & Stenger, P.C
State: OH

Complaint narrative:
I have tried sending the proper documentation and police report that was filed for the identity theft but they will not respond, now they are taking me to court and I have already won an identity theft case with this exact company! They will not listen or help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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: CITIBANK, N.A.
State: NV

Complaint narrative:
I did not request any financing from Best Buy and did not authorize Citibank to view my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Self Financial Inc.
State: GA

Complaint narrative:
To : Consumer Financial Protection Bureau Subject : Complaint Regarding Inaccurate and Potentially Unlawful Credit Reporting by Self Financial / Lead Bank Creditor : Self Financial / Lead Bank Account Number : XXXX Date Opened : XX/XX/XXXX Reported Charge-Off Date : XX/XX/XXXX Balance : {$140.00} ( Charged-off and Past Due ) Summary of Complaint : I am filing this complaint against Self Financial / Lead Bank due to what I believe is inaccurate, incomplete, and potentially unlawful reporting on my credit profile. The account in question is listed as charged off with a balance of {$140.00}, and there has been no communication indicating the status of the debt or issuance of a 1099-C ( Cancellation of Debt ) form.

I am concerned that the creditor is reporting the account as charged off while still listing the full balance as due, with no clear indication of whether collection efforts are ongoing or if the debt was canceled. This lack of clarity appears to violate both Fair Credit Reporting Act ( FCRA ) obligations regarding accuracy and completeness, and IRS rules requiring issuance of a 1099-C when a debt is canceled.

What I Am Requesting : 1. A formal investigation into the reporting practices of Self Financial/ Lead Bank related to charged-off debts and compliance with federal requirements.

2. Clarification as to whether the account has been canceled or remains due.

3. If the debt has been canceled : a. Immediate correction or deletion of the account from my credit reports.

b. Issuance of a Form 1099-C, as required under IRS regulations .

4. If the debt is still being collected : a. Validation of the debt and proof that ongoing collection is lawful.

b. An accurate update to all credit reporting agencies reflecting current status.

Supporting Information : The account continues to show a balance of {$140.00} charged off as of February 2024.

No 1099-C form has been issued to my knowledge.

No payments or collection attempts have been made or documented since the charge-off.

The account is harming my credit profile and may remain on record until XXXX, which would be inappropriate if the debt has been forgiven. 

Thank you for your time and for reviewing this complaint. I respectfully request CFPBs assistance in ensuring fair and lawful handling of this account and my consumer rights. 
Sincerely,

Company response to consumer: Closed with explanation