vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There were some checks deposited into my account and I did not know until I checked my account and it was $ XXXX. I called the bank and told them that I was unaware of these deposits and because I had already spent the credit that was deposited into my account, they reversed it and caused my account to go negative. There were 4 different checks deposited in the amounts of {$200.00}, {$140.00}, {$100.00}, and {$94.00}. I have asked for pictures of the checks, but they did not send me anything and I am unable to see the original checks that were deposited because the images are unavailable. What they said was that the items were posted in error and they have a reference number. I have no way of paying this back because I am going through financial hardship and can not make a payment at all. The only checks that I authorize to be deposited are the ones that my job gives me direct deposit for, but other than that those 4 checks were unauthorized and I was unaware of them. I bank with Chase and have been since I was XXXX XXXX XXXX, but I do not feel like I am being protected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 2025-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal 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 non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are inaccuracies on my credit report that needs attention

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 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are inaccuracies on my credit report that needs attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
My profile includes some inaccurate personal information please review the relevant documents that have my correct details.

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 2025-07-09 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX  This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX/DOFED XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I am writing to file a formal complaint against Nissan Motor Acceptance Corporation ( NMAC ) for failure to respond to my dispute letter dated XX/XX/year> regarding the inaccurate reporting of my account as a charge-off on my credit report. Despite the fact that my account currently shows a {$0.00} balance across all three major credit bureaus ( XXXX XXXX XXXX XXXX  ), NMAC continues to report the account as a " Charge-off '' status, which is incorrect. I have disputed this information multiple times, and yet the account remains inaccurately reported. 
I have enclosed a summary of the credit report entries below for your reference : XXXX  : Account shows " Charge-off '' with {$0.00} balance owed. 


XXXX XXXX Account shows " Charge-off '' with {$0.00} balance owed. 


XXXX : Account shows " Charge-off '' with {$0.00} balance owed. 


This inaccurate reporting of the account as a " Charge-off '' is harmful to my credit score and financial wellbeing. I am requesting that Nissan Motor Acceptance Corporation ( NMAC ) remove this account from my credit report entirely as it is being reported incorrectly. 
The following points explain the basis of my complaint : No balance owed : My credit report clearly indicates that there is no balance owed on this account, yet the account is still being reported as a " Charge-off '' by NMAC, which is misleading and incorrect.

Failure to resolve dispute : I sent a dispute letter to Nissan Motor Acceptance Corporation ( NMAC ) in accordance with the Fair Credit Reporting Act ( FCRA ), and despite the fact that the dispute was not resolved, the account continues to appear inaccurately on my credit reports. 


Violation of the FCRA : Under the Fair Credit Reporting Act ( FCRA ), I believe NMAC has failed to properly investigate and address my dispute in a timely manner. The account is being reported inaccurately, which is negatively affecting my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: Synovus Bank
State: GA

Complaint narrative:
IM DEMANDING Original Creditor, Balance Owed :, Date Opened, date of first delinquency, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am submitting this complaint to formally dispute two inaccurate late payment entries currently appearing on my TransUnion credit report, both of which are causing undue harm to my credit standing despite being fully resolved and showing a {$0.00} balance. These accounts are not only closed and paid, but they also carry no past-due balances yet are still being presented as derogatory. 

One of the accounts in question is from XXXX, account number XXXX XXXX XXXX XXXX XXXX with a reported late payment date of XX/XX/2022. This account has long since been satisfied in full and does not carry any delinquency or open balance. The second account is from XXXX, account number XXXX XXXX XXXX XXXX XXXX marked with a late payment on XX/XX/2022. This account, too, is paid, closed, and shows no remaining past-due amount. 

What makes this issue even more frustrating is that Ive worked tirelessly to maintain a clean and accurate credit history, including timely disputes, consistent account monitoring, and diligence in communication with both furnishers and the bureaus. Yet despite all of this, TransUnion continues to report these as delinquent events. These types of errors dont just misrepresent my financial behavior they mischaracterize my integrity and make it significantly harder for me to qualify for essential credit-based services, such as refinancing, housing, or even certain forms of employment.

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are legally required to ensure the information they report is both accurate and up-to-date. Section 1681e ( b ) specifically mandates that every consumer reporting agency shall follow reasonable procedures to assure maximum possi
ble accuracy. TransUnions continued publication of accounts that are both paid and non-delinquent directly violates this principle. Additionally, when I previously disputed this information, no valid evidence or billing statements justifying these late notations were provided, which further violates Section 1681i, which requires the bureau to remove or correct information that 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 non-monetary relief
Consumer complaint received 2025-07-09 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: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am submitting this letter to formally dispute the reporting of the following charged-off account currently listed on my XXXX  credit report : Account Name : NAVY FEDERAL CR UNION Account Number : XXXX Account Type : Credit Card Responsibility : Individual Date Opened : XX/XX/XXXX Status : Charged off {$14000.00} written off, {$14000.00} past due as of XX/XX/XXXX Status Updated : XX/XX/XXXX Balance : {$14000.00} Balance Updated : XX/XX/XXXX Since this account has been charged off and the debt has been written off as uncollectible, I am requesting that it be removed from my credit file in accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ). The presence of this derogatory information is unfairly harming my credit profile and should be corrected immediately if it can not be verified as accurate. 
I have enclosed a copy of my credit report highlighting the account in question. Please investigate this matter and notify me of the results in writing. If the account can not be fully verified or has exceeded legal reporting limits, I respectfully request that it be permanently deleted from my report. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company continues to violate regulation F established by the cfpb And has not provided me with a Purchase agreement, Chain of assignment and a full debt validation I would like the account removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Starting in XX/XX/year>, Shellpoint Mortgage Servicing increased my payment {$530.00} per month with no notice or explanation. In reaching out to Shellpoint, they informed me that a second insurance policy was added in the amount of {$3500.00}. This was not authorized by myself nor was it authorized by shellpoint. I have asked for a proof of payment in this amount and an insurance declaration page which they are unable to provide. They have acknowledged that this is a phantom policy, however, they do not know how to remove it or how to stop charging me. I was advised to call the insurance XXXX who has no record of me as a client. In the meantime i have been charged {$530.00} extra each month for the past 3 months. I have spent 10+hours calling Shellpoint to only be cursed at, hung up on and given the run around. I have never missed a payment and do not know how to proceed as they are fraudulently taking {$530.00} extra out of my bank account each month. I requested an escrow analysis on XX/XX/XXXX and again on XX/XX/XXXX. Each time I was told it would take 7 business days, however, each time they have informed me that there is nothing they can do. How can they charge me for a policy that they have no paid for or enforced?

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 2025-07-09 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: NC

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX, DEPTEDXXXX XXXXXXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-09 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: Happy Money, Inc.
State: MD

Complaint narrative:
I have reviewed my credit reports across multiple consumer reporting platforms and identified significant inconsistencies in the data being reported by XXXX. Specifically, the accounts labeled as XXXX, Happy Money, XXXX XXXX XXXX, and Payoff Inc. do not belong to me and were opened without my knowledge or authorization.

Additionally, it appears these accounts are being reported under different names or aliases depending on the platform being used. This inconsistency raises serious concerns regarding the accuracy and integrity of the information furnished to XXXX, and may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to report information that is accurate, complete, and verifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-09 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: MOHELA
State: MD

Complaint narrative:
I have reviewed my credit reports across multiple consumer reporting platforms and identified significant inconsistencies in the data being reported by Equifax. Specifically, the accounts labeled as Mohela, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX do not belong to me and were opened without my knowledge or authorization. 

Additionally, it appears these accounts are being reported under different names or aliases depending on the platform being used. This inconsistency raises serious concerns regarding the accuracy and integrity of the information furnished to XXXX, and may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires data furnishers to report information that is accurate, complete, and verifiable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation