vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
A credit card from XXXX XXXX XXXX Bank was fraudulently opened in my name. With a balance of {$2100.00}. I filed a dispute with the bank and with Experian but they refused to remove the account from my credit report. I also filed a police 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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
This issue is distinct from my previous complaint XXXX. The current submission involves the original debt being caused by Navy Federals improper approval of a {$16000.00} overdraft, which I never authorized or opted into. The subsequent seizure of {$8900.00} from another account is a separate act of unauthorized collection on a bank-created error

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NJ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-16 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: FL

Complaint narrative:
I do not recognize these accounts and have reason to believe they are fraudulent. I request immediate action to investigate and remove them. Ive included evidence to support my claim.

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 2025-07-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
Good afternoon, I hope this note finds the person who is reading this well. At the beginning of XXXX My online saving account with Marcus by Goldman Sachs was restricted for some reasons. My son and I tried many times to call them about the issue and it was not helpful. Two months later, In XXXX, I received a statement that my account was closed and I had money in it. Since then my son and I tried to call to understand what is going to happen to the money I had in or when I will receive it and still no success. Since then I still have not heard anything and it is a reason why I am filing this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Detail dual-tracking, fees, and ignored requests ). 

I am writing to memorialize Shellpoints catastrophic breach of trust that has forced me into financial ruin. The facts are undisputed : On XX/XX/year>, during an active loan modification review, your Loss Mitigation XXXX XXXX XXXX directed me in writing to " disregard '' a Notice of Default because " we are working on a loan modification option. '' Relying on this written assurance, I reasonably believed foreclosure was halted per XXXX Civil Code 2923.6 ( c ). 

Without warning, you initiated foreclosure proceedings, creating an artificial emergency. 

To save my home, I was forced into a predatory hard money loan at exorbitant rates ( attached approval : % interest, $ _ monthly payment ). 

This would have been avoidable had Shellpoint : Honored its written promise ; Complied with XXXX  dual-tracking laws ; Provided accurate reinstatement figures when requested. 

Your actions constitute : Promissory Estoppel ( Shellpoints broken promise induced detrimental reliance ) ; Negligent Misrepresentation ( false assurance of foreclosure suspension ) ; Violation of CA Civil Code 2923.7 ( failure to assign competent single point of contact ).

Immediate Demands : Compensatory Damages of $ _______ representing : Difference between hard money loan costs and market-rate financing ; Fees/penalties incurred ; Emotional distress under CC 3294.

Written Apology from Shellpoints CEO acknowledging misconduct. 

Full Audit of all fees charged to my account since XX/XX/year>. 

Failure to resolve within 5 business days will result in : XXXX filing to halt foreclosure and unwind hard money loan ; Complaint to CA DFPI for unfair business practices ( Bus. & Prof. Code 17200 ) ; Lawsuit seeking punitive damages for intentional infliction of emotional distress.

This is your final opportunity to avoid litigation. Contact me immediately. 

Sincerely, XXXX XXXX XXXX XXXX | XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX\n\nExperian XXXX XXXX XXXX XXXX XXXX\n \nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.\XXXX XXXX XXXX XXXX\n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\nDavidson Oday'

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
This organization keeps calling, stating that my wife and I have been placed on their list to be served papers and that they will be coming to our home or place of business for signatures. Of course, they never show up. I know this is a scare tactic, and these bottom feeders keep buying up leads from each other. Most of the time, it is from Barclay, but they usually do not say anything and just threaten through a robo call. They call family and friends and threaten them as well. This has been going on for over 15 years.

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 2025-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$24000.00} XXXX XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$2300.00} XXXX XXXX  - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$7100.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XXXX, Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: PA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX - Credit card - opened XX/XX/XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) - collection - opened XX/XX/XXXX And the following inquiries were also never authorized by me and are fraud too : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: FIRST FINANCIAL BANCORP

Complaint narrative:
I do not agree with the below outcome. I want this entry to be deleted immediately from my XXXX  report as i did not Commit any fraud. I tried to open checking account online and they marked this activity as suspected fraud activity. I do not live in united states and can not travel to united states to show them my Id. This thing is hurting me badly both mentally and financially. I am unable to open business checking account due to this problem. They should immediately remove this entry from chexsystems or i plan to bring lawsuit. 

Below is the case. 

XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Date : XX/XX/year> Consumer ID : XXXX Dear XXXX XXXX, This letter pertains to communication that XXXX XXXX XXXX XXXX ( XXXX  ) has received about information contained in our files. XXXX  is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act ( FCRA ). 

What you need to know : The reinvestigation of the following disputed information is complete. If other information was disputed, you will receive additional written notification from XXXX  of those results. 

Source of Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, OH XXXX Phone Number : XXXX Reported For : SUSPECTED FRAUD ACTIVITY ; REPORT IS DISPUTED BY CONSUMER ( XXXX ), AND VERIFIED ACCURATE BY XXXX ; Reported Name : XXXX XXXX Reported Address : XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Reported SSN/ID : XXXX Driver 's License : XXXX State : IL Date of Closure : XX/XX/year> RTN/ACCT # : XXXXXXXX  Closure Status : NO MONETARY LOSS Closure Status Date : XX/XX/year>XXXX  The source has verified the information they submitted to be accurate and complete. As a result, it will remain on file at XXXX. 

The source has informed that you were flagged on XXXX, contact was made on XX/XX/year>XXXX  to inform you would need to provide proof of ID in person. You stated you were traveling. On XX/XX/year>XXXX  a closure letter was sent with a close date of XX/XX/year>, no response from received and proof of ID was not provided. 

Enclosed is a copy of the consumer disclosure report, which was created by using the identifiers provided to us. 

What you need to do : To obtain additional information about this matter, you may contact : Source : First Financial Bancorp - Courtesy Cash Department Contact Details : XXXX Unless you have questions about this letter, no actions are necessary. 


I have called XXXX  and bank at first both ao many times but they bully me and says that This entry will stay there for 5 years. 

I appeal you to remove this entry immediately as this is against my consumer rights.

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 2025-07-16 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: FL

Complaint narrative:
My payment history is consistently positive, making this late payment inaccurate. Please delete it and revise my credit information.

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 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I noticed in my credit report wrong addresses XXXX XXXX XXXX XXXX XXXX XXXX CA and I never associate with this also phone number 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 2025-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/year>, the Arizona Department of Revenue ( AZ DOR ) sent a levy release to Chase Bank regarding a partial levy on my account. AZ DOR has confirmation that the release was successfully transmitted on that date. 

Despite this, as of today ( XX/XX/XXXX ), Chase Bank is still holding all the funds in my account. I contacted Chase after spending 45 minutes on hold. The representative I spoke with confirmed that the bank received the levy release on XX/XX/XXXX. However, he could not explain why the levy had not been processed or why my funds remained inaccessible.

The representative stated that he would escalate the issue internally, but it could still take a few more days before the funds are released.

Adding to the urgency of this matter, my paycheck will be deposited into this account on XX/XX/XXXX. If the hold is not lifted by then, I will not have access to my wages. Additionally, I have several bills set up through bill pay that will not be processed, resulting in multiple late fees and further financial strain.

This delay has already caused significant financial hardship and emotional distress, and the situation is likely to worsen if immediate action is not taken. I am requesting assistance in resolving this matter as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes.

Creditor Name : [ XXXXXXXX XXXX XXXXXXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX  ] Account Number : [ XXXX ] Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ DEPT OF ED/XXXX  ] Account Number : [ 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