vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am really overwhelmed seeing unauthorized inquiries still showing on my credit report this morning, and I truly do not know why this problem continues. The unauthorized inquiries did not get removed at all when I refreshed my browser. I am begging for the documents I provided to be reviewed immediately so I can stop worrying about this nightmare.

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 2025-12-01 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: DLF Law Group, LLC
State: WI

Complaint narrative:
I have just got paperwork that Dobberstein law firm gave me a summons over a debt that is over 6 years old which is past Wisconsin statute of limitations. Original date of loan was XXXX XXXX. Its now XXXX. XXXX. This account was added recently and was told they wouldnt be taking me to court and now here we are. I was not even told this account was added I just happened to see when I went to pay a different arrangement.Very crude practices to wait days until statute is up and take someone to court. It is also very difficult to get a hold of anyone or get a response. They simply want me to be naive so they can win a judgment against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: GA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
There are several fraudulent transactions on my account as followed : XXXXXXXX XXXX XXXX Between now and XX/XX/XXXX my account has been charged {$21.00} 24 times for a total of {$500.00}. I did not authorize this charge while I do have a subscription to XXXX it's a {$10.00} subscription that I can see that is correct. This charge has been deemed online as a fraudulent charge that numerous people have suffered from based on the vendors information on chase. 

There's a secondary charge for this vendor. 

XXXXXXXX XXXX XXXXXXXX Between now and XX/XX/XXXX my account has been charged {$29.00} 8 times for a total of {$230.00} There's also a charge from another vendor that numerous users online claim they have been fraudulently charged. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Between now and XXXX of XXXX this account has been charged {$36.00} 16 times for a total of {$590.00} There is also several smaller fraudulent charges from XXXX, XXXX, and XXXX XXXX. I have never had these subscriptions ever. 

Between now and XXXX of XXXX I have been charged a total 29 times at {$5.00} each for a total of {$170.00} I will be canceling My card but at this time I am missing a total of XXXX. I really would like these funds back however possible. 

Quite frankly there have been other charges as well Like something called XXXX  XXXX  but these are the primary offenders that I would like dealt with and my money returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in 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 2025-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I lost my cash app card and immediately called the number to speak to an employee. The employee proceeded to tell me that to make sure the app was working correctly, XXXX separate instantly refundable transactions must be made to assure the app was working properly. I was directed to download XXXX XXXX app and I was directed to send payments that werent refunded and I was intimidated as well and I have screen shots, Im poor, I dont know any of the people the money was sent to. I had to go to a food bank for a month just to survive. Part of the money was my moms, shes a XXXX XXXX XXXX XXXX XXXX and shes dealt with this stuff before. Initiate an internal investigation find employees responsible and hold them accountable and refund the victims. Should be simple but now we are struggling just to make it by and I cant even use cash app to invest anymore safely. The community must learn about these crimes and Im making sure people know because I have proof. 

Thank you for your time, please please look into it, I keep getting told the same response but the section asking if i received any items for the XXXX dollar scam it says skipped like they skipped giving me my money back because it was supposed to be a refund like I stated but they chose to steal I think. Im so concerned about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I XXXX XXXX deposited money into my account on XXXX XXXX. I was able to transfer funds and make purchases on that day. The next day my account was gone. I asked TD Bank why was my account closed even though I bought a current on the day of closure, it doesnt make sense that account still closes even on the XXXX day if you brought it to a current status and then I talk to several people and they said they were going back-and-forth from the back office about my money they dont know where my money went. Why doesnt nobody know where my money went I can show you where my money went. I have XXXX XXXX transactions about where my money went and I also have questions about being reported to XXXX XXXX XXXX as delinquent or charged off because it shouldnt be every bank account that is charged off with a balance is reported to XXXX XXXX  whether the client knows it or not to open another bank account other banks look at that I want my money. I want a reason why my account was closed. I wan na date and time of that closure because I deposited money on that exact same day so my account shouldnt have been closed whether it was processing or not my account was still brought current.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aargon Agency, Inc.
State: IL

Complaint narrative:
Amount {$480.00} Opened : XX/XX/year> This item is inaccurate and can not be verified.

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 2025-12-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Continental Finance Company, LLC
State: SC

Complaint narrative:
I notice a account on my credit that looked suspicious and I reached out to the company

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 2025-12-01 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:
The data provided is neither complete nor accurate with respect to my financial history. I request a formal evaluation and subsequent update.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
My mortgage servicer reported my account as XXXX  days late to XXXX  even though the payment never reached XXXX full days past due. 
According to the FCRA and XXXX Credit Reporting Guidelines , XXXX furnisher can only report a XXXX late status once the payment is a full XXXX  days delinquent. 
The reporting was made prematurely and is therefore inaccurate. 

I request immediate correction of the account status, removal of the delinquency from XXXX, and an updated report to all credit bureaus reflecting the accurate payment history. 

Please investigate and require the servicer to provide the exact date they claim the delinquency began and justify why they reported it before a full XXXX  days had passed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: NJ

Complaint narrative:
My mortgage servicer reported my account as XXXX  days late to Experian even though the payment never reached XXXX full days past due. 
According to the FCRA and XXXX Credit Reporting Guidelines , XXXX furnisher can only report a XXXX late status once the payment is a full XXXX  days delinquent. 
The reporting was made prematurely and is therefore inaccurate. 

I request immediate correction of the account status, removal of the delinquency from Experian, and an updated report to all credit bureaus reflecting the accurate payment history. 

Please investigate and require the servicer to provide the exact date they claim the delinquency began and justify why they reported it before a full XXXX days had passed.

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 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I believe the late payments and delinquent status appearing on my credit are in error. The accounts were not late under the agreed terms, so those remarks should be deleted. Please update the accounts to Paid as Agreed and eliminate any delinquent status.

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 2025-12-01 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:
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 : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX  FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
XXXX XXXX XXXX IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, I submitted a complete and updated FTC Identity Theft Report and affidavit to Equifax via email, postal mail, and the CFPB portal. That same day, I confirmed with an Equifax representative by phone that my documentation had been received. 

As of XX/XX/XXXX ( over four business days later ), Equifax has failed to validate or act on the report. When I called today for an update, a supervisor named XXXX provided Ticket # XXXX but acknowledged that no action had been taken to process the report. Equifax claims the four-business-day period to begin handling my identity theft claim under the Fair Credit Reporting Act ( FCRA ) had not started, citing internal " validation '' as the required trigger. 

This is a misrepresentation of the law. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the four-business-day period begins upon receipt of the identity theft documentation, not when Equifax chooses to internally `` validate '' it. Their delay violates FCRA timelines and compromises my ability to resolve fraudulent accounts still appearing on my credit file. 

It is important to note that I am a documented victim of the XXXX Equifax data breach, which exposed my personal information to identity thieves. Equifaxs failure to act promptly and in compliance with federal law is particularly alarming and negligent given their prior breach and the risk it created for consumers like me. 

I also experienced similar delay tactics from TransUnion, which were only resolved after escalation through the CFPB. I am concerned that Equifax is engaging in a systemic delay of legitimate disputes and identity theft reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: WA

Complaint narrative:
I am requesting the CFPBs help in having Experian correct inaccurate and unverified information. The following items require proper reinvestigation. 

XXXX. CHARGED-OFF ACCOUNTS ( Experian ) XXXX Acct : XXXX Date : XX/XX/XXXX Balance : XXXX XXXX XXXX  XXXX  Acct : XXXX Date : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Balance : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Balance : XXXX. INQUIRIES ( Experian ) XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  LATE PAYMENTS ( Experian ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Acct : 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 2025-12-01 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: TX

Complaint narrative:
Im writing this complaint regarding several automobile related hard inquiries that appear on my Experian consumer report between XX/XX/year> and XX/XX/year>. These inquiries were made by multiple auto dealerships and lenders during a period in which I was shopping for a vehicle, but NO contractual relationship was ever established, and no credit was extended. I have not purchased a vehicle, signed any installment contract, or opened any auto loan with any of these entities. 

Under FCRA 604 ( a ) ( 3 ), a hard inquiry requires : XXXX. A permissible purpose ; and XXXX. A legitimate credit transaction or intent to extend credit. 

Because no vehicle was purchased, no credit was approved, no financing occurred, and no accounts were opened, these companies did not have a permissible purpose to retain a hard inquiry on my consumer file. Under FCRA 604 ( f ), access to my consumer report without permissible purpose is strictly prohibited.

Under FCRA 611 ( 15 U.S.C. 1681i ), Experian must : Conduct a reasonable reinvestigation, Verify each furnishers permissible purpose in writing, or DELETE the inquiry immediately. 

Because there is no auto loan, no financing contract, and no authorization for ongoing reporting, these inquiries constitute improper access. I am requested the immediate removal of the following hard inquiries, as they do not meet the requirements of FCRA 604 : 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 These inquiries are causing active damage to my credit profile and have resulted in : multiple loan denials, adverse credit terms, credit score reductions, and financial harm.

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 2025-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
REQUESTING OMBUDSMAN & ESCROW DEPARTMENT TO AUDIT MY EQUITY LOAN ACCOUNT XXXX, CAUSED BY SPS CREATING A FALSE ESCROW COLLECTIONS YEARS XX/XX/XXXX TO XX/XX/XXXX AND FALSE CORPORATE ADVANCE/PROPERTY PRESERVATION DISBURSEMENT FEES, CONSIDERING IN THE LAST 12 YEARS I HAVE PAID MY PROPERTY TAXES MYSELF, AND THERE WAS NEVER ANY ESCROW ACCOUNT ON MY EQUITY LOAN. 
SPS REFUSES TO REFUND AND MAIL MY FULL OVERAGES DUE TO THEIR MISCALCULATION AND UNETHICAL SELF-SERVICE. XX/XX/XXXX {$37.00}, XX/XX/XXXX {$18.00}, XX/XX/XXXX {$18.00}, XX/XX/XXXX {$18.00}, XX/XX/XXXX {$95.00}, XX/XX/XXXX {$95.00}, XX/XX/XXXX {$32.00}, XX/XX/XXXX {$40.00}, XX/XX/XXXX {$30.00}, XX/XX/XXXX {$95.00}, XX/XX/XXXX {$95.00} PLUS MORE. 
ANY & ALL PROPERTY VALUES CAN BE OBTAINED FOR FREE ON SEVERAL PLATFORMS, INCLUDING XXXX. ALSO, SPS NEVER PROVIDED ME ANY PROOF, SUCH AS A LICENSED FLORIDA STATE APPRAISER, WHICH IS NOT REQUIRED FOR MY EQUITY LOAN ACCOUNT FROM XX/XX/XXXXXXXX SEVERAL YEARS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 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: MI

Complaint narrative:
I spent 2 hours marking off fraudulent charges on my checking account that were seemingly innocuous subscriptions. Several of which have been named online as scams that have hit several people 's accounts. After spending hours marking each one from XX/XX/year> until now, the app kicked me off. XXXX is known to do this and has taken {$700.00} from my account monthly. Same with a proven fraudulent adobe charge that's hit TWICE a month for the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Accuracy in the credit information they report and may be liable under 15 U.S.C. 1681 accuracy and Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible and fairness of credit reporting. Also, in XXXX XXXX XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX 2018 ).

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 2025-12-01 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: LA

Complaint narrative:
This complaint is submitted under FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that TransUnion, Experian, and XXXX  block from my consumer credit report all information resulting from identity theft and fraud within XXXX  ( XXXX  ) business days of receipt. The disputed information involves a personal credit card account.

These fraudulent accounts have led to multiple unauthorized XXXX  inquiries and false collection entries on my XXXX  credit report. I have attached both a list of these inquiries and a copy of my consumer credit report reflecting the fraudulent items.

I do not acknowledge or authorize any of the reported accounts, collections, or inquiries. None of them were opened, initiated, or made by me, as they are the direct result of identity theft and fraud. For verification, I have attached a copy of the FTC Identity Theft Criminal Complaint No. XXXX, which confirms that these accounts, collections, and inquiries stem from identity theft.

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