vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$5600.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened XX/XX/XXXX - Balance {$810.00} Account Name : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX - Balance {$1900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/year> XXXX {$8700.00} dollars Called them to renegotiate the debt or reduce interest and fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Issue : Bank account / Wire transfer fraud What happened : On XX/XX/year>, I wired {$4700.00} from my Bank of America account to what I later discovered was a fraudulent rental scam. I found the property on XXXX on XX/XX/year>, signed a lease on XX/XX/year>, and wired the funds the next day. Immediately after realizing it was a scam, I filed a fraud claim with Bank of America on XX/XX/year> ( Claim # : XXXX ). 
I also filed a police report with the XXXX Police Department in MA ( Incident # : XXXX ) and an FBI IC3 report ( Submission ID : XXXX ). Despite providing these documents, my claim was denied, and I was told the recovery was unsuccessful. 
Additional concerns : The funds were wired to a XXXX XXXX account controlled by the scammer. When I requested the account holders details, XXXX XXXX refused, citing privacy rules. This has prevented me from pursuing recovery or holding the fraudster accountable. Since I filed in XXXX XXXX small claims court ( Virginia ), I was also informed that small claims courts do not issue subpoenas for third-party bank records, leaving me without a legal avenue to obtain this critical information.

Why I believe this is unfair : Bank of America has denied my claim despite evidence of fraud and despite my prompt reporting. 
XXXX XXXX refuses to share even basic information about the recipient account, blocking my ability to pursue justice.

As a consumer, I am trapped between two large banks who disclaim responsibility, despite clear evidence of a criminal scam.

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 2025-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Issue : Chase Bank is not accurately reporting my credit activity to the credit bureaus. 

Details : Chase promptly reports even the smallest balance increases ( for example, as little as {$2.00} ), but consistently fails to report payments and balance reductions. This selective reporting practice results in an unfair, incomplete, and misleading representation of my credit usage. Accurate credit reporting should reflect both increases and decreases in balances, as well as timely reporting of payments. 

In addition, Chase closed my Freedom XXXX Credit Card account with a {$12000.00} credit limit and a {$0.00} balance without providing me with proper notice. I called to inform them that I never received any notice of closure, and they failed to resolve the issue. I did not request or authorize the account closure, and the lack of notice is both improper and damaging to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-17 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 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: NE

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Debt Management Incorporated
State: NJ

Complaint narrative:
The callers keep calling from multiple different phone numbers claiming they are calling from XXXX XXXX XXXX and they are collecting a debt from 2020. I never took a debt out in 2020 so I asked them to stop calling me and that i will call them back once I get proof mailed to me. They have the last 4 of my social so I made a police report.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CORELOGIC INC
State: MI

Complaint narrative:
I have a XXXX loan that is not escrowed per loan disclosures in closing documents. Confirmed by my current servicer, XXXX. My old lender was XXXX XXXX XXXX who made this error as well as CoreLogic. 

I paid my property taxes in the amount of XXXX. CoreLogic sent a payment a month later for the same amount to the XXXX of XXXX, MI XXXX which was returned by the XXXX on XX/XX/year> to CoreLogic. Check # XXXX The returned check was sent to XXXX XXXX XXXX, XXXX, TX XXXX. 

I have spoke to my current servicer who has verified that my loan is to not be escrowed and the loan currently reflects such. They performed a research ticket to locate the refund, but state no refund can be located. 

Prior to my loan transferring to XXXX, XXXX XXXX XXXX charged my escrow balance ( which I shouldn't have ) for the amount of XXXX. The loan was then transferred to XXXX that same month. I am now in an escrow shortage and being forced to pay back this money to escrow even though it is the error of XXXX and CoreLogic. My taxes were to never be escrowed and I am being charged an extra XXXX to cover their error until it is corrected. It is now several months later and they still can not locate their money and continue to make me pay it every month.

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 2025-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I am filing a complaint against Capital One Auto Finance regarding deceptive practices related to an auto loan agreement. 

On approximately XX/XX/year>, I requested documentation regarding my loan contract and payment history. 

After requesting clarity and a temporary payment hold while waiting for documentation, Capital One labeled my inquiry as sovereign citizen language, canceled my account, and repossessed the vehicle on approximately XX/XX/year>, despite my active efforts to communicate. 

After discovering a {$1600.00} charge labeled XXXX other charges and amounts paid to others on your behalf, which I was not clearly informed of at the time of signing. 

My understanding was that my down payment would be applied directly to the principal of the loan, but instead, it appears to have been sent to a third party, likely the dealer or salesperson. 

I believe this action was retaliatory and unjust, and that the contract and its enforcement violate fair lending and disclosure practices. I am seeking a formal investigation, restitution, and return of my vehicle or compensation for its value.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: NC

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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. 15 U.S.C. 1681s-2 ( 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. XXXX, TransUnion and XXXX are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :

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 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I received a text message from old national bank asking if i authorized a charge. i responded with no. old national immediately called letting me know that i needed to transfer the money in my savings to my checking to cover the " unauthorized '' charges so there was money in there while we recover the pending fraudulent charges and ensure no penalties. once I did that they said they were opening a new checking account and asked if i could come to the branch, i replied with no I am work and they suggested i send money via apple pay immediately. 

I did this in XXXX straight payments totaling almost {$2600.00}. 

After i hung up i immediately called old national back who then stated that that was a scammer. old national then claimed i did not need to close my accounts or get a new dedit card as the account was not compromised. I requested them to put a stop on the pending transfers.

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 2025-09-17 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: AZ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 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: AZ

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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:
These questions arrived unexpectedly and may not be authorized. Please review the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: PA

Complaint narrative:
My wallet and phone was stolen and the person who stole my belongs took all my money out my chime account and transferred it from my chime account to my cash app account and brought bitcoins with my money all my money they took XXXX dollars from me and then another {$300.00} dollars from me thru cash app

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
Dispute ID XXXX Dispute number on my side # XXXX I had a tenant 5 years ago that paid me rent via XXXX. About a month and a half ago ( XX/XX/XXXX ) I saw she made a claim against a partial rent payment she made of {$750.00} ( PAYMENT MADE XXXX, XXXX XXXX ) on the XXXX  platform. Somehow XXXX  awarded her the {$750.00} back ( a partial rent payment she made to me XXXX years ago ). This made my XXXX  account go negative - {$750.00}. 

I then received a payment for {$650.00} ( XX/XX/XXXX ) from someone else that went towards the fraudulent debt of {$750.00}. 

I've tried to plead my case with XXXX  on the phone at least 3 times now. A dispute is created then I get sent a generic email saying that the decision has already been made and that I owe the remaining balance ( XXXX minus XXXX ) still. They don't want to hear my side for some reason and it's SO unfair. I don't understand how they can awarded her the claim after this partial rent payment was made XXXX YEARS ago. 

Law firms won't take my case because its too small. I'm considering also calling law enforcement to file a complaint. I have nowhere else to turn

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: KY

Complaint narrative:
I XXXX XXXX request a copy of the original purchase agreement or original contract that created this alleged debt. The contact that is sent, it must include signatures for all parties. Any agreement sent must be with the original creditor and must include the original terms and conditions of the agreement that created the alleged debt, including all addendums and riders. 

2. In addition, please send proof of chain of ownership of the alleged debt. And include proof of assignment for each change of ownership. Proof of chain of ownership must be from the original creditor to the current alleged owner without any break in the chain.

3. Also include a full accounting history from the original creditor including the date and amount of each payment and the Date of First Delinquency leading to the collection status EPs4 REPAIR 1. If any interest or fees have accrued or been added on TRA the balance, please send proof that such fees are lawful are son agreed upon in the original purchase agreement.

2. Proof that you are legally allowed to collect on alleged debts in the state of YOUR STATE, including your Third-Part Debt Collection Bond XXXX XXXX Also send proof that you sent the legally required notices to me before reporting this alleged debt to any consumer reporting agencies, including copies of the original notice and any letter tracking your Firm maintains. FTC XXXX XXXX XXXX XXXX XXXX makes clear that it " debt parking '' without proper notices is a violation of consumers rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Cloud Willis & Ellis, LLC
State: TN

Complaint narrative:
I applied through fasfa for this loan, The school is saying i didnt submit fasfa and are trying to take me to court to pay them directly

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-17 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: OH

Complaint narrative:
These accounts on my credit report are the result of 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 non-monetary relief
Consumer complaint received 2025-09-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Main Line Recovery Solutions, Inc.
State: DE

Complaint narrative:
I have no ownership or knowledge of this debt. The original debtor XXXX XXXXXXXX XXXX XXXX, did not have consent to sell my debt to Collection Recovery Services. The balance owed is {$670.00}, last reported on XX/XX/year>.

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 2025-09-17 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: AL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief