vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
Upon reviewing my Equifax credit report dated XX/XX/XXXXXXXX XXXX XXXX I identified multiple accounts that are inaccurately reported, outdated, or unverifiable. These entries are negatively impacting my credit profile despite being inactive or closed for several years. 

XXXX XXXX Balance : {$660.00} This account, listed as a collection, lacks updated balance information and no proper validation of debt ownership is provided. The original creditor is listed as " XXXX XXXX XXXX XXXX XXXX' without sufficient supporting details. This item may be unverifiable or improperly placed. 

XXXX XXXX XXXX XXXX Balance : {$500.00} This account shows late payment history but has had no activity since earlXXXX XXXX  The continued derogatory reporting of this closed account appears to be outdated. 

XXXXXXXX XXXX Balance : {$0.00} This account has been closed since XXXX but still shows negative payment history. Since its been more than four years with no open balance, this reporting seems outdated and unnecessarily damaging.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am instructed by counsel to report in every felony thats identified so yesterdays complaint about having access to the account entirely restricted isnt the complaint today. The complaint is that its been discovered that the account is actually quite intact and theyre purposefully making sure that I can not get access to it Along with the people who work at the branch and customer service. Its becoming more and more clear as I speak to the people at the bank that they are more confused than aggressive towards me and with a little bit more discussion from several very kind representatives over the Chase organization, its become clear that this is a punitive campaign not just one or two acts theyre targeting and quite illegally in their activities that unfortunately Im involved in and still have no idea why. Nonetheless, you cant look at people that make less than what they consider to be as honorable amount of money and treat them accordingly because its unfortunately for them America. the kicker is that I have a private investigator working on this as well because Im at a loss for whats going on and Im certainly not going to be uneducated while theyre making moves that are affecting my financial abilities so Ive uncovered some things that I would like a little more time on. If these indicators are Factual, were looking at a global issue from Chase Bank actually XXXX XXXX XXXX itself, but let me get back to you on this because again I took an oath to defend the constitution of California against fraud and I think were all being defrauded. Its actually big enough to where even the president and his ideology on consumer protections would feel violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX  HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX Account number : XXXX  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 any 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: PA

Complaint narrative:
received a letter via USPS from Transworld trying to collect a debt for XXXX XXXX. No details, no line item charges, just a total. I believe the amount is incorrect, OR if the debt is even valid. I wrote the following letter ( below ), used the debt collector 's envelope and their letter with their address, and mailed it on XX/XX/XXXX. I did not receive any response. 

XXXX XXXXTransworld Systems Inc : I am disputing the amount of {$230.00}. I need the following detailed information in a line-item format for individual alleged items with : Alleged charges and/or credits Date and time Employee name and ID of who authorized the charge Physical office location and address Detailed reason I still need access to my original XXXX XXXX account. You ran me in circles for many weeks and I finally gave up trying. 

Furthermore, do not report this to the credit bureaus because this is under dispute. If you already have, immediately contact all credit bureaus and have them remove and delete it. 

Regards, They sent me another electronic communication in XXXX with the same amount, without any further details. I mailed them another letter on XX/XX/XXXX ( see below ) again disputing the debt, with no response. 

XX/XX/XXXX XXXX XXXXTransworld Systems Inc : I previously disputed the amount of {$230.00}, which was dropped in the mail on XX/XX/XXXX. I never received any letter or any other legitimate response ( in writing ), but you illegally reported my account to the credit bureau ( s ). You will contact the credit bureaus, inform them that this account has been under dispute since XX/XX/XXXX and they remove this account from my credit report entirely. If this has not been rectified AND communicated to me via mail within 14 days from today ( XX/XX/XXXX ), I will file complaints with PAs attorney generals office, FTC, and/or the Consumer Financial Protection Bureau XXXX XXXX XXXX. 

Please see a copy of the original letter mailed on XX/XX/XXXX, and send all correspondence including complete answers to all my questions to my mailing address below. 

Regards, Today ( XX/XX/XXXX ) another debt collector sent me another electronic communication via email from another collector XXXX XXXX XXXX ). I will not respond to any electronic communication from any debt collector due to widespread online scams.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX XXXX Manger sent the wire transfer on XXXX XX/XX/2025 to Chase bank account instead of correct recipient who has bank account at Chase. Since then XXXX XXXX  has been trying to have Chase correct the wire information but Chase is not responding to any communication. The transaction reference is XXXX  XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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 XXXX XXXX Experian

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: MOHELA
State: CT

Complaint narrative:
I am writing as a concerned borrower to bring to your attention the ongoing mismanagement and financial harm inflicted by MOHELA under the SAVE forbearance which started XX/XX/XXXX. 

MOHELA has continued to accrue interest on my loan and as a result, my loan principal has actually increased during forbearance. 
As of today XX/XX/XXXX, my Direct consolidated subsidized loan increased to {$61000.00} from {$60000.00} on XX/XX/XXXX and my direct consolidated unsubsidized loan increased from {$200000.00} on XX/XX/XXXX to {$200000.00} on XX/XX/XXXX. 

I urge your office to investigate MOHELAs conduct, particularly the legality and transparency of interest accrual during supposed forbearance periods. Borrowers need immediate intervention, accountability, and restitution for the financial and emotional toll this system has inflicted. 

Thank you for your attention to this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: LA

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: AL

Complaint narrative:
The total is XXXX $ were purchase all the way from XX/XX/year> to XX/XX/year>. During that time i lost my phone and the card was link in that phone, i set automatic pay for the credit card so everything during that time i don't know and i'm not the one who made those purchase. Discover credit card make me wait 90 days for investment and gave me the answer that they can not get back my money and the fraud by losing card is not accept, also they can not get back the money from where the purchase got made. So now Discover want me to pay back the money that i'm not the one who make the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
In reviewing my Experian credit report dated XX/XX/XXXX, I found several accounts that are being reported inaccurately or in a misleading way, causing continued harm to my credit profile despite inactivity or resolution. 

XXXX. XXXXXXXX XXXX ( Opened : XX/XX/XXXXXXXX  ) This account was charged off and closed in XXXX with a balance of {$280.00}. However, it continues to report a " charge-off '' status each month through XX/XX/XXXX. This pattern appears to artificially re-age the debt and extend the derogatory impact beyond what is fair under the Fair Credit Reporting Act ( FCRA ). The last payment was made in XX/XX/XXXXXXXX XXXX  I believe this account should no longer be updated monthly as charged off and should be corrected or removed. 

XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) This account, also closed and charged off in XXXX, is reported monthly through XXXX with a balance of {$590.00}. The last activity on the account occurred in XXXX. Like the XXXX account, this suggests the account is being improperly re-aged or unnecessarily updated to appear recently delinquent. 

XXXX. XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) This account had a very low original balance of {$12.00} and was closed as paid in XXXXXXXX A 90-day late payment is listed for XX/XX/XXXX. Given the minor nature of the account and its timely resolution, I am requesting a review to determine whether this late mark is reasonable or should be removed as excessive. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXk Accounts Both of these accounts show late payments from XXXX and early XXXXXXXX  but have since been closed with a {$0.00} balance. These accounts have not been active for years, yet their late payment histories continue to affect my credit standing. I am requesting a review to confirm whether these late marks should still be reported under current FCRA guidelines. 

I have not opened or made payments on any of these accounts in over three years. I believe these reporting practices do not reflect my current credit behavior and unfairly damage my credit score. I request an investigation and appropriate updates or deletions in compliance with the 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 explanation
Consumer complaint received 2025-05-02 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XXXX XXXX, XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX # XXXX - Date Opened XXXX XXXX, XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
As a victim of the XXXX XXXX XXXX of XXXX XXXX, XXXX, I lost everything. I decided to sell my burnt lot so I can move on and start over. In order to close escrow, I needed a letter from TRUIST BANK to show my loan with them was paid off. In XXXX I requested and received a payoff quote for the loan, which was good until XX/XX/XXXX. I sent the mortgage statement back with the insurance payoff check ( for the entire coverage for my lost home ), along with an additional check ( to cover the difference on the remaining loan balance, as the insurance alone was not enough ), via XXXX  XXXX ( so that I have proof of receipt ). They got the money on XX/XX/year>. Since then, I have called Truist many times, been placed on hold and have spoken with people in their insurance department, the loss draft department, the mortgage department, the home retention department, and even tried their insurance claim check website portal, but none of them can provide an acceptable response. All of the people in those departments have acknowledged receipt of the funds on XX/XX/XXXX. My escrow was supposed to close today, XX/XX/XXXX, but I failed to perform ( I didn't get the letter to show the loan was paid off in time. ) On the last call, I was told that Truist needs a copy of the payoff quote ( that they produced ) in order to start the process, which can take up to 30 days! So I was transferred back to the mortgage department to get a copy of their quote sent again, and was told it can take up to 30 days. It seems their protocols don't allow them to simply communicate between departments. I am tired of wasting time on phone calls that accomplish nothing. This is on a XXXX XXXX loan, so I'm hoping someone from the government can step in to assist here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: LA

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 2025-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: NY

Complaint narrative:
I am submitting a follow-up complaint regarding {$3100.00} in payments that were not applied to my student loan account. Below are the key details : Timeline & Payments : Between XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I made 9 monthly payments of XXXX ( totaling XXXX ). 

These payments do not appear on my account statement, and my loan balance remains unchanged. 

My servicer has not provided an explanation for the unapplied funds. 

I have no record of misdirected paymentsall transactions cleared my bank. 

Previous Complaint Reference : # XXXX ( if additional context is needed ). 

I expect a timely resolution. Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: GA

Complaint narrative:
The personal information on my credit report were outdated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I recently requested that Equifax delete a XXXXXXXX XXXX debt for {$240.00} They wrote back a letter saying that my submitted documents weren't legible. I admitted the same documents in a previous complaint that was sent here, the CFPB. 

I recently filed a complaint here. ( complaint ID # XXXX ). There XXXX XXXX says that the debt has been paid and has a XXXX balance. 

Now I would like Equifax to delete the collection from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief